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Tag: redisclosure

1 article tagged “redisclosure”
Mortgage

The Disclosure Desk: Change of Circumstance, the Redisclosure Clock, and What an AI Agent Is Allowed to Reset

Every fee increase on a mortgage either fits a valid changed circumstance or the lender eats it at closing. The disclosure desk is where that determination gets made, on a three-business-day clock, and it is one of the highest-defect functions in origination. Where an AI agent sits in the redisclosure process, what it computes, the tolerance baseline it is allowed to reset, and the line between a documented changed circumstance and a manufactured one.

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