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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

What should I do if I don’t understand one of my mortgage closing documents?

Answer:

If you don't understand a closing document, ask your lender about it right away.

If you have an attorney, you should also ask your attorney. If you don’t have an attorney, ask your settlement agent.

You can also explore our interactive guide to the Closing Disclosure.   

For other key closing documents, including the Promissory Note, Deed of Trust, Initial Escrow disclosure, and Notice of the Right to Rescind (for refinances), check out our guide to closing forms .

You can also look for additional information on Ask CFPB.

If you have a problem with your mortgage closing process, you should discuss the problem with your lender. You can also submit a complaint to the CFPB online or by calling (855) 411-CFPB (2372). We’ll forward your complaint to the lender and work to get you a response, generally in 15 days. You may also wish to get your own attorney to take a look at your issue.

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.