Mortgage lenders are under incredibly tight protection laws from the Consumer Financial Protection Bureau, CFPB. As a result, lenders must send disclosures every single time there is a change to the loan amount, loan program, fees, apr, any aspect of the payment including principal and interest, taxes, insurance or mortgage insurance, think of it like this, despite the annoyances of receiving 3 to 4 loan disclosures during the loan process wouldn’t that full transparency be better, then than receiving one set of loan disclosures and having there be a change later on at the closing table? The mortgage loan officer whom you’ve hired to help you with your loan should be able to go over any questions that might arise from new sets of loan disclosures. Always best to check in with your lender to see how things are going during the process unless of course, the lender you’re working with proactively updates you* a sign you’ve chosen a true professional.
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