Can't say as I've ever seen docs dated 3 months in advance - this is bizarre to say the least.
Bear in mind - sometimes docs have errors, sometimes the errors are with dates, and sometimes the effective date is intended to be a little in the future. Some lenders will never do future dates, some do it routinely. Some lenders will accept hand-corrected date changes, some won't and will do a re-draw.
Every lender has their own compliance guidelines, according to their own needs/decisions and according to the requirements of their own investors (and of course, the laws as they apply). While there is a lot that is uniform & standard, there is just as long a list of possibilities that are unique to each lender - and that doesn't arbitrarily make it wrong, illegal, or fraudulent. |
