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PaperclipPerfector  3mo ago (text post)   3471 thread views

Friday Fun Thread for January 30, 2026

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In US now I think there are laws now in many states that require the loaners to tell you how much you will be paying in interest (and therefore overall) at least at some point of the process, and have you sign on that. So theoretically it shouldn't be a surprise, but practically of course not all people read that anyway.

Yes, that's what I meant, I was looking through the mortgage documents prior to signing them and saw the total interest.

They also tell you how much of what you're paying each month is principal/interest/escrow, which provided additional motivation.

Technical detail: States are all over the place for required mortgage disclosures, but there is a federal disclosure requirement. The cost of credit (finance charge) must be disclosed on the LE (loan estimate) at application and again on the CD (closing disclosure) at closing.

This has been the standard since TRID replaced the GFE/TIL in (I think) 2015, but before then the finance charge has been a required component of lending disclosures since the TIL (Truth in Lending) Act of 1968.

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