=IF(SUM(Closing_Costs) - SUM(Loan_Estimate_Costs) > (Loan_Estimate_Costs * 0.1), "허용한도 위반", "준수")
Reconciling the Closing Disclosure (CD) is the final, crucial step in the mortgage process, ensuring that all fees and terms match the initial Loan Estimate and the final agreement. This guide outlines the broker's responsibility in reviewing the CD for accuracy, focusing on the 'tolerances' established by the TRID (TILA-RESPA Integrated Disclosure) rule. Certain fees, such as lender charges and transfer taxes, have a zero-tolerance for increases, while others may have a 10% tolerance. Brokers must meticulously compare the CD to the latest Loan Estimate to identify any unauthorized changes or errors that could delay the closing. The guide also emphasizes the importance of the three-day mandatory review period, which gives the borrower time to examine the CD before signing. Senior brokers must be able to explain every line item to the client, from the final interest rate and monthly payment to the total 'cash to close' required. Effective reconciliation prevents last-minute surprises and ensures a smooth, compliant closing process. By acting as a final check on the lender's work, the broker protects the client and maintains the integrity of the transaction, reinforcing their role as a dedicated advocate throughout the entire home-buying journey.ADVERTISEMENT - IN-ARTICLE
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종결 공개의 3일 규칙은 무엇입니까?|대출 기관은 대출 문서에 서명하기 최소 영업일 기준 3일 전에 대출자에게 CD를 제공해야 합니다.|CD에 실수가 있으면 어떻게 되나요?|오류에 따라 대출 기관은 수정된 CD를 발행하고 잠재적으로 3일의 대기 기간을 다시 시작해야 할 수도 있습니다.