The changes will merge the HUD-1 Settlement Statement, the Good Faith Estimate, and the Truth-in-Lending disclosure form into two new closing forms: a Loan Estimate and a Closing Disclosure.Expect delays with closings going forward!

The changes will merge the HUD-1 Settlement Statement, the Good Faith Estimate, and the Truth-in-Lending disclosure form into two new closing forms: a Loan Estimate and a Closing Disclosure.Expect delays with closings going forward!

The changes will merge the HUD-1 Settlement Statement, the Good Faith Estimate, and the Truth-in-Lending disclosure form into two new closing forms: a Loan Estimate and a Closing DisclosureExpect delays with closings going forward!

You also need to look at the most popular deceptive and predatory practices that are generally discussed as "predatory lending".There you will find examples of predatory dealing in general, it's not all specific to lenders, you'll see that there are underlying deceptions of Realtors, construction contractors, appraisers and settlement agents that aids in the conspiracy of predatory lending practices.

I am the 1031 Exchange Guy and I have NOT been able to get even a draft settlement statement or a response to my questions - and I mean basic questions. - Are you using the same wiring instructions as were used for the EMD? 

Here you go, understand what the requirements are and you should not have a problem finding a title company and settlement agent, so long as you follow the rules. :)http://www.alta.org/images/pdf/09-05-15_uniformgen...

Authority Settlements in Urbana can close fully insured titles FAST!

Here are exemptions to Due on Sale(d) Exemption of specified transfers or dispositions With respect to a real property loan secured by a lien on residential real property containing less than five dwelling units, including a lien on the stock allocated to a dwelling unit in a cooperative housing corporation, or on a residential manufactured home, a lender may not exercise its option pursuant to a due-on-sale clause upon— (1) the creation of a lien or other encumbrance subordinate to the lender’s security instrument which does not relate to a transfer of rights of occupancy in the property; (2) the creation of a purchase money security interest for household appliances; (3) a transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety; (4) the granting of a leasehold interest of three years or less not containing an option to purchase; (5) a transfer to a relative resulting from the death of a borrower; (6) a transfer where the spouse or children of the borrower become an owner of the property; (7) a transfer resulting from a decree of a dissolution of marriage, legal separation agreement, or from an incidental property settlement agreement, by which the spouse of the borrower becomes an owner of the property; (8) a transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property; or (9) any other transfer or disposition described in regulations prescribed by the Federal Home Loan Bank Board.

You can rely on numbers that can't be fudged: Current lease agreements, obtain a letter of verification from tenants prior to settlement.

@Stan Hrincevich this could potentially be a RESPA violation (Real Estate Settlement Procedures Act.)