A pro forma invoice is the same as a commercial invoice which, when used in international trade, represents the details of an international sale to customs authorities.
TRID requires process changes to the loan origination life-cycle, particularly in the way that lenders approach the closing of loans. Under the new rule, the closing process needs to be at least three days ahead to meet the Closing Disclosure timing requirement.
Here in central Indiana, our USDA loans can take up to 90 days to close because our regional office is always so back logged. The loan must clear local lender underwriting fully before being sent to USDA.