I just read the previous thread on this topic and was quite surprised by how many don't go over the HUD. I can't count how many times I've had people look at the bottom line and be ready to stop the signing because they weren't expecting to have to pay anything. A review of the FACTS (not opinions or interpretations) detailed on the HUD has helped them to understand where the numbers came from and prevented what would probably have been a no-sign. The LO isn't always available - but sometimes it isn't necessary to call them, if you know how to read a HUD.
Just by way of example, in my county property tax is due early next month and for the the last couple of months, most lenders have required it to be included on the HUD (unless it's the same lender and the BO's had an impound account that would take care of it). LOs seldom seem to be aware of this or just forget to mention it to people. Also, people frequently don't get that a whole month's interest is included on there, effectively. There's no need to go into specifics of how a number is calculated, but it seems to me that an experienced loan signer should be able to point those things out to a borrower!
I also can't count how many times I've had people say that they'd already seen the HUD or knew what they were looking at, so we skip the review, only to later be asked a question that would have been answered with a simple review of the HUD.
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