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Friday, June 26, 2009. Slowing Down The Mortgage Process. Here comes the Housing and Economic Recovery Act (HERA), Mortgage Disclosure Improvement Act effective July 30 2009. HERA will require early disclosures to be provided to the borrower no later than 3 business days following loan application and at least 7 business days before. Lenders will also not be allowed to collect fees of any kind except a reasonable. Credit report fee until such time that the borrower receives their initial. According to a ...
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