James,
Since you're in CA often the final HUD isn't included in the package. Instead a preliminary Estimated Settlement Statement is there. (That's because CA is an escrow closing state and the final HUD isn't prepared until disbursement.)
Also, the Lender's HUD isn't the final one. The title company (or settlement company) prepares the HUD to include all the title charges. The lender provides the title company with a lender's preliminary HUD or settlement instructions to prepare the HUD. The HUD is then sent to the lender for approval. It's the title company's responsibility to ensure the borrower gets the HUD.
In table closing states, such as FL, the final HUD needs to be provided at the signing. For those loans that qualify for a three day rescission period, the final HUD may prove not to be truly final, but still must be presented at the time of signing subject to modification during the rescission period. |
