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Chapter 12 Insurance Closings 12 1 Initial Closing HUD  Form

Chapter 12 Insurance Closings 12 1 Initial Closing HUD Form

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hey everyone um this is Holly Kaufman I am a real estate agent in Houston Texas and I have with me today one of my mortgage lenders uh Stephanie Drury from CNT mortgage um she has gone she has volunteered her time to go through a closing disclosure with us uh because I usually get a lot of questions and I like to say hey ask your lender but I think it's you know great education for everyone to be able to kind of walk through slowly so she's going to stop and explain little sections and sections that she normally gets questions on uh regarding our closing disclosure so Stephanie I'll let you take it away awesome thank you yeah like Holly said I am Stephanie I'm with CNT mortgage and I have been with them for quite a few years now so um like like Holly said kind of want to break down the closing disclosure a little bit what most people don't know is the only items A lender controls on the closing disclosure is the interest rate and the lender fees

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