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These initial disclosures provide a description of the evidence you currently have in your possession to support your claims, including a list of your potential witnesses and a list of documents that support your claims and defenses.
Initial disclosures are the preliminary disclosures that must be acknowledged and signed in order to move forward with your loan application. These disclosures outline the initial terms of the mortgage application and also include federal and state required mortgage disclosures.
Does a closing disclosure mean your loan is approved? No, a closing disclosure does not always mean your loan is approved. You may find incorrect information or something you want to change. Your lender also has the opportunity to back out if they find something new that makes them change their mind.
This document is used to describe what evidence and witnesses that you already have or are aware of at the beginning of your case. You do not send this document or any evidence you have to the court?initial disclosures are only sent to opposing counsel.
Think of the Initial Closing Disclosure like a permission slip. By e-signing it, you are starting the mandatory clock and allowing the lender to collaborate with the title company to prepare the accurate Final CD.