Know Before You Owe: You’ll get 3 days to review your mortgage closing documents - On October 3, 2015, the Know Before You Owe mortgage rule goes into effect. One of the important requirements of the rule means that you’ll receive your new, easier-to-use closing document, the Closing Disclosure, three business days before closing. This will give you more time to understand your mortgage terms and costs, so that you know before you owe.

1. www.libtitle.comwww.mlg-realestatelaw.com
Know before you close. Your CFPB readiness partner - every step of the way.
Disclaimer: This tool provides general information to real estate professionals and others in determining when transactions involving an applicable loan maybe consummated. The CFPB Rule that determines the time periods for consummation used in this tool also provides circumstances under
which these time periods may be shortened or extended. Each transaction is different and the final authority and responsibility for determining the actual consummation dates resides with the lender. Please consult your Escrow or Loan officer for the actual consummation date for your transaction.
Headquarters
275 West Natick Road
Warwick, RI 02886
P: 401-751-8090
F: 401-541-3835
marketing@libtitle.com
Nationwide coverage with
local service.
We can close in all 50 states.
Three-Day Closing Disclosure Rule
Mail Disclosure
Preceding
Thursday
Preceding
Friday
Preceding
Saturday
Preceding
Monday
Preceding
Monday
Preceding
Tuesday
Preceding
Wednesday
Preceding
Thursday
Closing Date
Disclosures Due
Monday Tuesday Wednesday Thursday
Preceding
Friday
Preceding
Saturday
Friday Saturday
Preceding
Tuesday
Preceding
Wednesday
Submit your title order today!
Email - titleorders@libtitle.com • Fax - 401-541-3835
*Acknowledge receipt
deadline if lender
is using E-Sign method
or physical CD acceptance

2. 0% Tolerance
10% Aggregate
Increase
Variations
Permitted
Creditor Paid
Mortgage Broker Paid
Paid to Affiliate of Creditor
or Broker
Unaffiliated Third Party if
Shopping Not Allowed
Transfer Taxes
Unaffiliated Third Party if
Shopping Allowed
Recording Fees
Services for which
Consumer may but does
not shop
Prepaid interest
Property insurance
premiums
Amounts placed in escrow
Charges paid to third-party
service providers not
included on written list
Charges paid to third-party
service providers not
required by the creditor
Change Circumstance
applies
www.libtitle.comwww.mlg-realestatelaw.com
Know before you close. Your CFPB readiness partner - every step of the way.
Disclaimer: This tool provides general information to real estate professionals and others in determining when transactions involving an applicable loan maybe consummated. The CFPB Rule that determines the time periods for consummation used in this tool also provides circumstances under
which these time periods may be shortened or extended. Each transaction is different and the final authority and responsibility for determining the actual consummation dates resides with the lender. Please consult your Escrow or Loan officer for the actual consummation date for your transaction.
Call or Email your
CFPB or TRID
Questions to
CFPB@libtitle.com
Submit your title
order today!
Email - titleorders@libtitle.com
Fax - 401-541-3835