then fine. But that's not the case in the vast majority of other states. In most every purchase closing I've done, the buyer has had the essentials of the HUD noted (or already provided) to them by the LO or broker when told how much their check should be for.
I always give the latest HUD to the agent(s) and ensure they are OK with it, and then make sure the check matches the HUD amount. If they have any qustions, I let the LO/broker handle them.
There'sa difference between "describing" a doc, and "explaining" it. On the note, I show them
their interest rate, term, payment, first payment date, and that they don't have a prepayment penalty. As long as they are OK with the numbers, there's no need to go thru each individual paragraph. Same with the other docs.
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