HeartBeat Fall 2015 | Page 19

A copy of the new Home Loan Toolkit booklet can be found at this location: http://files.consumerfinance.gov/f/201503_cfpb_your-home-loan-toolkit-web.pdf A copy of the new Loan Estimate form can be found at this location: http://files.consumerfinance.gov/f/201403_cfpb_loan-estimate_fixed-rate-loan-sample-H24B.pdf A copy of the new Closing Disclosure form can be found at this location: http://files.consumerfinance.gov/f/201403_cfpb_closing-disclosure_cover-H25B.pdf Borrowers may have questions about the new forms and how they can affect the dates for their loan closing. FCS Financial has trained its staff on the new forms and can assist with answering your questions. The timing requirements for the new disclosures may affect the ability to change closing dates at the last minute. If you are signing a contract to purchase a property, please be sure to allow sufficient time in the contract for the closing of the purchase. Because of the new disclosure timing requirements, it may no longer be possible to close transactions within thirty days of signing a purchase contract. Three ways to earn Learn more at myfcsfinancial.com scholarship Each year, FCS Financial honors the dedicated young men and women continuing their studies. We award up to thirtyfive $1,500 scholarships to Missouri high school seniors whose parents or grandparents are current FC L