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TRID Frequently Asked Questions

The following are questions raised by CalHFA lenders. These answers are not legal advice and are only applicable to the delivery of subordinate loans to CalHFA. They may not be appropriate for other investors. Additionally, this is not a substitute for the TILA-RESPA rule. Lenders should consult with their legal and compliance departments to ensure that they are complying with all the regulatory requirements.

The information provided is subject to change based on additional regulator guidance. Check back often for new or update information. If you have questions about this resource or TRID as it relates to CalHFA, please contact

Can lenders combine disclosures or provide the subordinate information on the 1st lien disclosure?
Should I use a TIL or CD for a ZIP loan?
If we charged a MERS fee to borrower for the ZIP loan, what disclosure should we use?
When must a lender use the TIL disclosure for a ZIP loan?
Can a lender provide a CD instead of a TIL for a ZIP loan, or vice versa?
It does not make sense to have a TIL if there is no interest, payments or fee. How does the lender fill out the TIL?
Does a lender have to use CalHFA's TIL form?
We are unable to provide an Itemization of Amount Financed. Is there another acceptable form or documentation? Why do I need to itemize non-financed amounts for the ZIP TIL?
How do lenders complete disclosures on the CD for the loan features of a CalHFA subordinate loan?
Does the lender have to use CalHFA's form?
Does CalHFA require borrower to sign the CD?
Does CalHFA require borrower to sign the TIL?
What fees does CalHFA allow for MyHome and ZIP loans?
What is CalHFA's policy in regards to re-disclosure of the CD on the day of closing?
Does CalHFA want lenders to type in "CalHFA Subordinate Loan" for the "Loan Type" on page 1 of the CD?
How will CalHFA handle reimbursements needed to cure tolerance issues identified after closing?
What if the lender does not provide a CD or TIL to the borrower for subordinate liens?
What if I provided the incorrect disclosure to the borrower?
What if I provided the incorrect disclosure to the borrower?
What if I thought the costs of the ZIP loan were going to be more than 1% and we provided the borrower an LE. At closing, the costs were actually less than 1%, requiring a TIL? Can I cure this?

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Updated 04/25/2019


News & Updates

Dates for May Lender Training have been posted

Program Bulletin #2019-10 - CalHFA Opens Reissuance of MCCs to any Lender

Program Bulletin #2019-09 - CalHFA's Deed of Trust Title Change

Enews announcements can be found on our Archived Page

Suspense Inquiries

For suspense items, refer to our MAS

Files in suspense status will only be reviewed once all suspense items are uploaded into MAS. Files are reviewed in date order and are given a rush review.

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