{"id":4804,"date":"2018-07-30T16:02:46","date_gmt":"2018-07-30T16:02:46","guid":{"rendered":"http:\/\/gohome.fastforwardstories.com\/?p=4804"},"modified":"2018-07-31T12:59:27","modified_gmt":"2018-07-31T12:59:27","slug":"how-long-must-creditors-keep-real-estate-loan-records","status":"publish","type":"post","link":"https:\/\/secure.titlecompanywebdesign.com\/unitedamericantitleagency\/2018\/07\/30\/how-long-must-creditors-keep-real-estate-loan-records\/","title":{"rendered":"How Long Must Creditors Keep Real Estate Loan Records?"},"content":{"rendered":"<p><script src=\"https:\/\/fast.wistia.com\/assets\/external\/E-v1.js\" async><\/script><\/p>\n<div class=\"wistia_responsive_padding\" style=\"padding:56.25% 0 28px 0;position:relative;\">\n<div class=\"wistia_responsive_wrapper\" style=\"height:100%;left:0;position:absolute;top:0;width:100%;\">\n<div class=\"wistia_embed wistia_async_rkatepkl7r dnt=1 videoFoam=true\" style=\"height:100%;position:relative;width:100%\">&nbsp;<\/div>\n<\/div>\n<\/div>\n<p>Under the TRID rule, creditors must retain Escrow Cancellation and Partial Payment Policy disclosures for two years; Loan Estimate records for three years after loan consummation and Closing Disclosures for FIVE years.<\/p>\n<p>If a creditor sells or transfers their interest they must provide a copy of the Closing Disclosure to the new owner or servicer and both parties must retain it for the remainder of the 5-year period. Records CAN be stored digitally but it is NOT required.<\/p>\n<p>TRID does not define how long consumers should keep disclosure records.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; Under the TRID rule, creditors must retain Escrow Cancellation and Partial Payment Policy disclosures for two years; Loan Estimate records for three years after loan consummation and Closing Disclosures for FIVE years. If a creditor sells or transfers their interest they must provide a copy of the Closing Disclosure to the new owner or [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":""},"categories":[25],"tags":[],"_links":{"self":[{"href":"https:\/\/secure.titlecompanywebdesign.com\/unitedamericantitleagency\/wp-json\/wp\/v2\/posts\/4804"}],"collection":[{"href":"https:\/\/secure.titlecompanywebdesign.com\/unitedamericantitleagency\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/secure.titlecompanywebdesign.com\/unitedamericantitleagency\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/secure.titlecompanywebdesign.com\/unitedamericantitleagency\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/secure.titlecompanywebdesign.com\/unitedamericantitleagency\/wp-json\/wp\/v2\/comments?post=4804"}],"version-history":[{"count":1,"href":"https:\/\/secure.titlecompanywebdesign.com\/unitedamericantitleagency\/wp-json\/wp\/v2\/posts\/4804\/revisions"}],"predecessor-version":[{"id":5255,"href":"https:\/\/secure.titlecompanywebdesign.com\/unitedamericantitleagency\/wp-json\/wp\/v2\/posts\/4804\/revisions\/5255"}],"wp:attachment":[{"href":"https:\/\/secure.titlecompanywebdesign.com\/unitedamericantitleagency\/wp-json\/wp\/v2\/media?parent=4804"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/secure.titlecompanywebdesign.com\/unitedamericantitleagency\/wp-json\/wp\/v2\/categories?post=4804"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/secure.titlecompanywebdesign.com\/unitedamericantitleagency\/wp-json\/wp\/v2\/tags?post=4804"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}