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hello and welcome my name is Arturo Castillo with become a signing agent on net today I'm going to be covering two very important documents that you'll be encountering and all refinancing loans they are the closing disclosure and the settlement statement now they both are partially similar but we're going to take a look at them individually so let's start off with the closing disclosure now the closing disclosure as of August 2015 the closing disclosure replaced the HUD one and the Atilla the truth-in-lending act in all refinance seller buyer commercial and construction loans the borrower will generally receive this document three days before the signing so they have plenty of time to review it and go over any questions they may have with their loan officer now let's take a look at the closing disclosure a little bit closer now if you take a look at the top left hand corner under closing information you will see it has the closing date dispersement date property information and in this

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