From A To Regulation Z

Ever heard of Regulation Z?  No?  How about Truth In Lending?  Still nothing?

That's okay - I'd be willing to bet most agents haven't even heard of Regulation Z (sounds top secret, doesn't it?).  Nevertheless, I received information from a mortgage professional, Tom Vanderwell, that I thought important enough it needed to be shared here.  Tom, thanks for sending me this.

First, some background.