Underwriting requesting closing disclosure from a previous deal

[D'Andre B.]

Hello BP community, i'm in the final hours of a deal and underwriting is all of a sudden requesting that I hand over the closing disclosure from a deal that I closed 5 months ago. Has anyone ever experienced this? 

The other deal was an FHA owner occupied duplex. (My home) and the credit union wants to see the closing disclosure from this transaction. Why?

The new property is going to be used a rental, conventional loan, 15% down, and the credit union intends to sell to fannie mae.  

[Jeff Dulla]

D'Andre - it may be that the loan is not pulling up on your credit report yet. it is too new. It could be that they are confirming who exactly is on the loan/title. It could be for a bunch of different reasons. But I believe per Fannie/Freddie, any property purchased in the last twelve months or so much be documented via CD or what used to be the Settlement Statement. 

I wouldn't jump to any major conclusions about it and they probably should have asked for it a while ago. That is the problem with a lot of lenders - they miss conditions they should have required ahead of time. Then the timing of their request is really what starts to make people nervous.