Required TRID Information
To keep your loan on track and meet federal disclosure deadlines, we need the following information as soon as your purchase contract is executed.
What Is TRID?
TRID stands for the TILA-RESPA Integrated Disclosure rule. It combines two longstanding federal disclosure requirements — the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA) — into a single, streamlined set of mortgage disclosures designed to protect you as a borrower.
Under TRID, your lender is required to provide you with a Loan Estimate within three business days of receiving a completed loan application. This document outlines your estimated interest rate, monthly payment, closing costs, and other key loan terms so you can make informed decisions.
Information We Need From You
Please provide the following items so we can issue your Loan Estimate on time.
Property Address
The full street address of the property being purchased, including unit number if applicable.
Purchase Price
The agreed-upon sale price as stated in your executed purchase contract.
Seller Information
The seller’s full legal name as it appears on the contract and title documents.
Real Estate Agent / Realtor
Your agent’s full name, brokerage company, phone number, and email address.
Title Company
The name, address, and contact information for the title or closing company handling the transaction.
HOA Information
If applicable — monthly or quarterly dues, the HOA management company name, and contact information.
Homeowner’s Insurance
A hazard insurance quote or the name and contact information of your selected insurance provider.
Why We Need This Information
Federal law requires lenders to deliver a Loan Estimate within three business days of receiving a completed application. The items listed above are the final pieces we need to generate an accurate estimate of your loan terms, monthly payment, and closing costs.
Delays in providing this information can push back your Loan Estimate — and potentially your closing date. The sooner we have everything, the sooner we can keep your transaction moving smoothly toward the finish line.
After you receive your Loan Estimate, you'll also receive a Closing Disclosure at least three business days before your scheduled closing. This gives you time to review the final terms and ask any questions before you sign.
Ready to Submit Your Information?
Upload your documents securely or give us a call. We're here to help keep your loan on schedule.
Abel Medero, NMLS #1010813. VMA Lending, LLC, NMLS #2734596. Licensed mortgage broker, State of Florida. This is not a commitment to lend. All loan programs are subject to borrower and property qualifications. Rates, terms, and conditions are subject to change without notice. Equal Housing Opportunity.