A Good Faith Estimate is the ONLY binding document a company can give a borrower. Many companies are giving borrowers worksheets or other documents in place of the GFE. Any document given to a borrower other than the 4 page GFE is invalid and simply doesn't matter. The reason companies give these other documents is so they WILL NOT BE HELD ACCOUNTABLE TO THE NUMBERS ON THE DOCUMENT. In order to get a GFE a borrower has to complete an application (with credit pulled), if the borrower does not complete an application then legally a GFE can not be provided.
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