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GENERAL DISCLOSURES

Loan Estimate Guide

What is TRID?

What is RESPA?

TRID Disclosure Guide

TRID Glossary

TRID Delivery & Business Day Guide

TRID Timeline for Purchase Loans

TRID Timeline for Refinance

TRID Tolerance Guidelines

General Process Flow

Encompass TRID SOP Checklist

Encompass Disclosure Pipeline Tracker

Change of Circumstance (COC)

Clearing Fatal Errors in General Disclosures

1003 URLA

VA Funding Fee

Childcare Expense (For VA Loans Only)

Mortgage Rate Buydowns

Checking Impounds Set-Up

Lead Source

ARM Loan Type - General Fatal Errors

Updating Document Type

Credit Inquiry Worksheet Screen

HUD Forms and Case #s (For FHA and VA Loans Only)

Updated Pulled Loan Pricing and Pricing Exemption (PE) If Applicable

State Specific Disclosures (For Tax Loan Only)

2015 Itemization

2015 Itemization Sections

2015 Itemization Checklists

SmartFees Guide

Title Fees Guide

Impounds Aggregate: Verification and Setup Guide

Revised Loan Estimates Guide

Running Mavent - Compliance Review

Sending Initial Disclosure - Loan Estimate

Mark Disclosure as Ready to Ship

Loan Estimate Checklist

Moving Milestone to Qualification Finished

LOAN ESTIMATE

Loan Estimate Overview

Loan Estimate Page 1 Review Guide

Loan Estimate Page 2 Review Guide

Loan Estimate Page 3 Review Guide

Calculating Cash to Close

Alternative Calculating Cash To Close & Adjustable Payment Tables

Loan Estimate Review Guide for Loan types

Loan Estimate (LE) Checklist Guide

Mastering Initial Loan Estimates and End-to-End Disclosure Workflow is a practical, step-by-step course designed for mortgage professionals who must deliver compliant, accurate, and on-time Initial Loan Estimates (LE) and related disclosures. From understanding disclosure types and process flow to pulling SmartFees, opening title and escrow, and completing the 2015 Itemization, you’ll learn the exact actions to take, in the right order, to avoid costly re-disclosures and compliance pitfalls. Packed with real-world checklists and knowledge checks, this course helps you translate guidelines into action—reviewing purchase contracts, entering earnest money deposits, validating title fee statements, calculating impounds aggregate, and tracking critical documents with confidence. Whether you’re new to disclosures or seeking to standardize team performance, you’ll finish with a clear, repeatable workflow that reduces errors, speeds cycle times, and improves borrower experience. By the end, you’ll know what to do, why it matters, and how to do it right the first time.

General Disclosure: Loan Estimate

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            <p>Every accurate, timely Initial Loan Estimate sets the tone for a compliant, transparent mortgage experience. This course equips you to master the end-to-end disclosure workflow—from understanding general disclosure requirements to executing precise fee calculations and documentation tracking—so you can issue a compliant LE the first time. You’ll learn the core terminology that drives disclosure logic, identify the different types of disclosures you’ll encounter, and apply a general process flow that minimizes re-disclosures and costly delays.</p>

<p>Built around practical operations, the curriculum walks you step-by-step through the real tasks you perform daily: reviewing the purchase contract, entering earnest money deposits, completing file contacts, and opening title and escrow. You’ll practice pulling SmartFees and validating the Title Fee Statement, calculating impounds with the aggregate method, and completing the 2015 Itemization accurately. Along the way, you’ll learn how to track title and escrow documents, spot and avoid fatal errors, and confirm data integrity before the LE goes out. Knowledge checks throughout the course reinforce mastery at key milestones—Introduction, Definitions, Process Flow, SmartFees, and Itemization—so you leave confident in both the what and the how of Initial Loan Estimates and the complete disclosure process.</p>
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