Sam Rosenblatt

NMLS# 75844

Mortgage Planner



Learn more about TRID and how these changes affect borrowers, lenders, and real estate professionals. See videos below.

Mortgage Lending Is Changing

The Consumer Financial Protection Bureau published revisions to the TILA and RESPA mortgage regulations that went into effect in October 2015. These changes have made it easier for borrowers to read and understand the cost of getting a mortgage loan.

The revisions are known as the TILA/RESPA Integrated Disclosures (TRID) or "Know Before You Owe". The revision includes two new disclosure forms - the Loan Estimate and the Closing Disclosure. Surveys by ALTA (the American Land Title Association) show that 18% more homebuyers are reviewing their mortgage documents now than before the new regulations went into effect.

Learn more about these forms and other important impacts on mortgage lending in the following videos.

More Videos

  • The New Loan Estimate
    The new Loan Estimate is an entirely new disclosure form that combines the Good Faith Estimate and the initial Truth-In-Lending forms.
  • The New Closing Disclosure
    Get to know the new 5-page Closing Disclosure that replaces the final TIL and HUD-1 settlement statement.
  • New TRID Waiting Periods
    Understand the waiting period requirements imposed by the new Closing Disclosure to minimize surprises or delays.
  • TRID and New Home Construction
    The unique challenges TRID presents with new home construction and how planning and communication will reduce the impact.

The New Loan Estimate


The New Closing Disclosure


New TRID Waiting Periods


TRID and New Home Constructions


NMLS# 75844

State Lic: DE: MLO-75844; NJ: 75844; NC: I-109203; MD: 237; FL: LO31872; PA: 28407; VA: MLO-6487VA; DC: MLO75844;

Corp Lic: DE: 010825; NJ: 3113; NC: L-143680; MD: 12423; FL: MLD241; PA: 22177; VA: MC-5196; DC: MLB3113;

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