What Loans Are Covered by TRID Disclosures
Posted by Info @ Homes For Sale Team on Friday, February 7, 2020 at 7:22 PM
By Info @ Homes For Sale Team / February 7, 2020
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What Kinds Of Loans Do TRID Disclosures Cover?
TRID rules apply to MOST consumer credit transactions secured by real property. These include mortgages, refinancing, construction-only loans closed-end home-equity loans, and loans secured by vacant land or by 25 or more acres.
The rule does NOT apply to Home Equity Line of Credit transactions reverse mortgages mortgages secured by a mobile home or other dwelling that is not attached to real property. Also, TRID rules do NOT apply to loans made by a person or business that makes 5 or fewer mortgages in a calendar year.
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