Walk A TRID Change Before Closing
Use a disclosure-timing walkthrough to decide whether changed loan terms require delay, correction, or escalation.
The lender changes a buyer from a fixed-rate product to an adjustable-rate product one day before closing, and the team wants a yes-or-no answer immediately. TRID timing walkthrough: classify the change, find the timing rule, count from delivery or receipt, and state what action is allowed today. The common trap is to ask whether the borrower is willing to waive delay. Consumer willingness does not itself cure a timing requirement or fee restriction. Classify the change Ask precisely what changed: loan product, APR, prepayment penalty, cash to close, fees, or clerical data. The rule depends on the category. A vague…
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