Updated 5/2015. 1  Disaster relief volunteer work with the Red Cross. 2  Sometimes seeing the world just is not enough. 3  There is a gnawing need inside, a pull to do more, to have an impact, to make a difference.  Sometimes, it is hard to sit by and just watch the earthquakes, floods, famine and war unfurl on the news.
As a consequence, wise sellers sometimes give the disclosure statement to the buyer even before the deal is made! As soon as an interested buyer is found, the seller presents the disclosures (of course getting the buyer to sign when they were received).
Closing Disclosure Timeline Overview. The Closing Disclosure (CD) is a form which went into effect Oct. 3, 2015 and replaces the HUD-1 and final Truth-in-Lending Disclosure in a mortgage closing transaction. This five page document provides final details about the mortgage loan your buyer has selected.