We disclosure in the property disclosure and we offer to pre-pay their flood insurance for 1 year.

But if you and your wife have the opportunity to create a safe, sound and F/C home for the part of your life when you are raising children (it's so short, trust me)...DO IT.Full disclosure: Parenting has been my best gig to date.

Lead disclosures weren't made or there were inconsistencies from lease to lease.

Teresa, I have attended similar seminars that have this same type of doom and gloom mentality, and while I do believe that because disclosures will potentially, and initially more than likely will, slow things down with the mandatory 3 days to present to buyers and for them to sign off on them, I do not believe that ultimately 30-day closings for non-cash buyers will be a thing of the past.  

I was obtaining a pre-qualification for a home loan, and was asked to sign the: Rate Lock Agreement,  Disclosure Notices, Servicing Disclosure Statement, Right to Receive Copy of Appraisal, Appraisal Delivery Timing Waiver, GFE Acknowledgment, Notice of Intent to Proceed, Flood Insurance Determination, Certification and Authorization, Transcript of Tax Return, Insurance Disclosure, Truth in Lending Disclosure, GFE, Housing Counseling Agencies Notice, Uniform Residential Loan Application.Should I sign these documents? 

Like everyone else said, get full disclosure in writing.

It's how they play and in their fine print there are all kinds of disclosures about what they can choose to do etc.

Received an annual escrow account disclosure statement for my home which I just purchased 7 months ago.

The disclosure aspect is what I was really wondering about.

uh ohhhh full disclosure: I have taken more than 11 weeks on mixed use and commercial flips.