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Changes to the Closing Disclosure That Re-start the 3 Day Waiting Period
 Once the lender issues the new Closing Disclosure (CD) and the borrower evidences receipt of the document, the three day mandatory waiting period begins before the borrower is allowed to sign the loan documents. The day the borrower evidences receipt of the CD is day one. Sundays and holidays do not count in the three day waiting period. Lenders are allowed to revise the CD during this waiting period and this happens frequently. Most revisions do not re-start the three day waiting period. The three changes to the CD that would re-start the 3 day waiting period are change in loan program, addition of a pre-payment penalty or increase in the APR of more the .125% for fixed rate loans or more than .25% for ARM loans. Waiting Period for Loan Document Signing Once the lender issues the new Closing Disclosure (CD) and the borrower evidences receipt of the document, the three day mandatory waiting period begins before the borrower is allowed to sign the loan documents. The day the borrower evidences receipt of the CD is day one. Sundays and holidays do not count in the three day waiting period. Lenders are allowed to revise the CD during this waiting ... more

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