** When they sign the RTC is states they received 2 copies. If they are to receive them later on, then they shouldn't sign the RTC, because they have not received them. **
Just my opinion, but if I'm the borrower, and the signing agent begins by telling me that he doesn't have a set of borrower's copies for me, I'm not signing ANYTHING. If the lender doesn't think I deserve to get copies of the loan package at the time of the closing, they don't deserve my business.
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