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Reply to "First time buyer - help me understand how to “shop” for the best mortgage rate "
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[quote=Anonymous]OP here. I just did some research and unless I am missing something from what I can tell a HUD 1 is only provided if you got a loan prior to 2015 or if you’re applying for a reverse mortgage. It says for mortgages now you’re required to get something called a closing disclosure 3 days prior to closing - which is an update to the information that should have been provided to you in the loan estimate document that you should have received 3 business days after you apply for a mortgage. https://www.consumerfinance.gov/ask-cfpb/what-is-a-hud-1-settlement-statement-en-178/[/quote]
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