Happy Fall Ya'll!
Erin Kirouac
We can't believe how fast this year is flying by! We'd like to send out a big THANKS to everyone we've had the pleasure of working with so far this year.
Along with the weather and the leaves, we've got some big changes happening this fall.
As of October 3rd, new closing disclosures will be required for most mortgages as well as a new timeline associated with your closing. The CFPB (Consumer Financial Protection Bureau) hopes that the improved forms will better help consumers understand their options, choose the deal that’s best for them, and avoid costly surprises at the closing table.
![New Closing Dosuments](https://images.squarespace-cdn.com/content/v1/543d3c0be4b022ed09122e9a/1444072588686-EZYQ9LPSAN9XVYBUX2N1/CFPB_Know_Before_You_Owe_LOAN_ESTIMATE_AND_CLOSING_DISCLOSURE%5B1%5D.jpg)
![CFPB Tools](https://images.squarespace-cdn.com/content/v1/543d3c0be4b022ed09122e9a/1444072698583-TUWSEUEGITE5D2F1UC9F/CFPB_Know_Before_You_Owe_OWNING_A_HOME%5B1%5D.jpg)
![Home Loan Toolkit](https://images.squarespace-cdn.com/content/v1/543d3c0be4b022ed09122e9a/1444073446703-AKSA0HRX0IP3AME8U1MN/CFPB_Know_Before_You_Owe_TOOLKIT%5B1%5D.jpg)
![Know Before You Owe: Making the mortgage process easier for you](https://images.squarespace-cdn.com/content/v1/543d3c0be4b022ed09122e9a/1444075225381-QCDG6LA51C0X3QF4YGIF/image-asset.jpeg)