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

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 won’t receive a Closing Disclosure if you applied for a mortgage prior to Oct. 3, 2015, or if you're applying for a reverse mortgage. For those loans, you will receive two forms – a HUD-1 Settlement Statement and a final Truth-in-Lending disclosure – instead of the Closing Disclosure. If you are applying for a HELOC, a manufactured housing loan that is not secured by real estate, or a loan through certain types of homebuyer assistance programs, you will not receive HUD-1, but you should receive a Truth-in-Lending disclosure.

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.