Locally Owned & Operated since 1982
(360) 676-8484
(800) 334-6314
Escrow Fax:
(360) 671-0982
Title Fax:
(360) 676-6675
Main Office:
2011 Young St.
Bellingham, WA 98225
507 Front St.
Lynden, WA 98264

In the past, federal law required two different disclosure forms to be provided to consumers at or shortly before their loan closing. The information on these forms, known as the final TIL (Truth In Lending) and HUD-1 (Housing and Urban Developement), was overlapping and often inconsistent.  Consumers often found these forms to be rather confusing. The Dodd-Frank Act directed the Consumer Financial Protection Bureau (the CFPB) to integrate those mortgage loan disclosures into a new single consolidated disclosure form.

The videos below better explain this new disclosre and walk you through each page of it in detail.