TRID Resources
BairdLaw is dedicated to helping our clients thrive in the new lending environment.
Below is a collection of useful resources to help lenders prepare and understand the Loan Estimate and Closing Disclosure.
CFPB issued example
Loan Estimate
- Blank model Loan Estimate fields annotated to show rule citations
- Blank model loan estimate form illustrates the application of the rule’s content requirements
- Blank model Loan Estimate that illustrates the application of the optional alternative tables for transactions without a seller
- Sample of completed Loan Estimate for fixed rate loan
- Sample of completed Loan Estimate for interest only, adjustable rate loan
- Sample of completed Loan Estimate for refinance
- Sample of completed Loan Estimate for balloon payment
- Sample of completed Loan Estimate for negative amortization
Closing Disclosure
- Blank Closing Disclosure with field annotated to show rule citations
- Blank Closing Disclosure that illustrates the application of the rule’s content
- Blank Closing Disclosure that illustrates the alternative disclosures and modifications permitted for transactions without a seller
- Blank Closing Disclosure that illustrates disclosure provided to seller
- Blank page 2 of Closing Disclosure that illustrates modifications to closing cost detail
- Sample of a completed Closing Disclosure for fixed rate loan (companion to sample loan estimate above)
- Sample of a completed Closing Disclosure for refinance (companion to sample loan estimate above)
- Sample of a completed Closing Disclosure for refinance transaction where the closing costs have increased in excess of the good faith requirements
- Sample of a completed Closing Disclosure for refinance in which the consumer must pay additional funds to satisfy the existing mortgage loan securing the property and other existing debt to consummate the transaction
- Sample page 3 of Closing Disclosure (summaries of transactions) for disclosure of consumer funds from a simultaneous second-line credit transaction
- Sample page 3 of Closing Disclosure (summaries of transactions) for disclosure of funds paid outside of closing
Other Forms
- Blank model form for Written List of Settlement Service Providers
- Sample of Written List of Providers you can shop for
- Sample of Written List of Providers you cannot shop for
- Blank model form of the Escrow Cancellation Notice
- Texas Disclosure – T-64 for purchase transactions with title insurance (form prepared by Title Company; T-64 form promulgated by Texas Department of Insurance)
Helpful TRID Links
- Consumer Financial Protection Bureau (CFPB) TRID Resources Page
- Mortgage Bankers Association (MBA) TRID Resources Page
- Wolters Kluwer TRID Resources Page
- American Land Title Association (ALTA) TRID Resources Page
- American Land Title Association (ALTA) 3-Day Delivery Flowchart
- Consumer Compliance Outlook Live Webinars (Guidance and Q&A)
- eRegulations 12 CFR 1026 (TRID Rule)
- CFPB Small Entity Compliance Guide for TRID
- CFPB Guide to the Loan Estimate and Closing Disclosure forms