Folio Company
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How FOLIO’s Teams are Structured
Haga clic aquí para ver Como se estructuran los equipos de FOLIO en Español
In this brief, we will explain how our teams work together to support all participants in a closing to achieve...
Avoiding Wire Transfer Fraud
Haga clic aquí para ver como Evitar el Fraude en las Transferencias Electrónicas en Español
"Wire fraud continues to affect the real estate industry, now with direct attack...
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Could My Loan Costs Exceed The Loan Estimate?
Yes, within defined limits.
Service charges for which YOU shop and select a provider may change; the creditor is NOT responsible for providers who are NOT on their written list.
In addition, prepaid interest, property insurance premiums and escrow or reserve d...
What Will The TRID Loan Estimate Tell Me?
The Loan Estimate documents the essential facts and terms of an approved real estate loan. It includes:
loan terms
projected payments and loan costs
cash and costs at closing time
the services for which you CAN and CANNOT...
How Long Must Creditors Keep Real Estate Loan Records?
Under the TRID rule, creditors must retain Escrow Cancellation and Partial Payment Policy disclosures for two years; Loan Estimate records for three years after loan consummation and Closing Disclosures for FIVE years.
If a creditor sells or transfers their inter...
What Is A ‘Business Day’ For Real Estate Loan Disclosures?
“Business day” is defined slightly differently for Loan Estimates and Closing Disclosures.
For Loan Estimates, each day on which a creditor’s offices are open to the public count as a business day. Loan estimates must be delivered or placed in t...
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