·  Truth-in-Lending Disclosure
      Also known as a “TIL,” this document discloses the

      total cost of receiving the loan, including the Annual

      Percentage Rate (APR) and other fees. The APR includes

      the interest rate, points, and any other charges you're

      required to pay.

·   A Home Buyer's Guide to Settlement Costs
      This guide is a government publication that describes

      the closing or "settlement" process, associated costs

      and your rights.

·   Adjustable-Rate Mortgage (ARM) Disclosure
      Because ARM loans are tied to a specific index and will  

      adjust at different times for different loans, this

      document discloses the specifics for your loan, including

      the history of the index chosen. You will also receive the

      "Consumer Handbook on Adjustable-Rate Mortgages."

·   Annual Percentage Rate (APR) Information
      This is the cost of credit expressed as a yearly rate. The

      APR includes the interest rate, points, and any other

      charges you're required to pay. Importantly, the APR is

      not the same as the interest rate because of the other

      expenses that are considered when it is calculated.

·   Good Faith Estimate
      Also known as the “GFE,” this document discloses all

      of the specific costs you will be charged for at the loan’s

      closing.