Population of the United States by Race and Hispanic/Latino Origin, Census 2000 and 2010. .2. NOTE: Percentages do not add up to 100% due to rounding and because Hispanics may be of any race and are therefore counted under more than one category.
The real estate agents involved in the sale transaction and the lender are often the best people to coordinate the closing arrangements. Most lenders require at last 3 to 5 days advance notice of the closing date in order to prepare the loan documents and get them to the closing agent. There are standard documents and exhibits that are commonly required for a loan closing, regardless of jurisdiction.
According to the Consumer Financial Protection Bureauâs final rule, the creditor must deliver the Closing Disclosure to the consumer at least three business days prior to the date of consummation of the transaction. (Note that the Closing Disclosure and Loan Estimate must be implemented by Oct. 3, 2015, on certain loans. In the final rule, the CFPB said creditors may use settlement agents to provide the Closing Disclosure, provided that the settlement agents comply with the final ruleâs requirements for the Closing Disclosure.