TIMING CHANGES
Will the timing changes impact when my real estate transaction can close?

Consummation is the day the borrower becomes legally obligated under the loan, which would be the date of signing, even if the loan has a rescission period. It is important to note the definition of consummation can be different than the closing date as defined in the purchase agreement where the buyer becomes contractually obligated to a seller on a real estate transaction.

The tool below will assist you in determining the earliest consummation date.

TRID CALENDAR
All of your date needs in 3 simple steps:




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  • If a federal holiday falls within the Delivery and/or Waiting Periods, the system adds an additional business day.

  • The three-day period is measured by days, not hours. Thus, disclosure must be delivered three days before closing, and not 72 hours prior to closing.

  • Disclosures may also be delivered electronically to the Delivery Period and may be signed in compliance with E-Sign requirements.

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