1. GOOD FAITH ESTIMATE the new 2010 changing for

2. “ ” THERE IS NOTHING WRONG WITH CHANGE IF IT’S IN THE RIGHT DIRECTION. winston CHURCHILL

3. NOV 2008 HUD AMENDS RESPA

4. TRANSPARENCY changes to provide

5. STANDARDIZE how loan fees are DISCLOSED

6. the new GFE different WAYS in many

7. 1 2 3 PAGES three

8. BUNDLED costs are together

9. WHO COSTS doesn’t show is paying the

10. MONTHLY PAYMENT doesn’t show

11. LOAN PROGRAM doesn’t show

12. Initial GFE is binding and can only be changed under certain circumstances.

13. act of GOD

14. INFORMATION change of

15. GFE 2010 STIPULATIONS

16. Can’t issue a GFE without a complete application.

17. THESE SIX ITEMS APPLICATION make a complete NAME SOCIAL SECURITY # MONTHLY INCOME PROPERTY ADDRESS PROPERTY VALUE LOAN AMOUNT

18. LIMITATIONS tolerance 0% 10% Unlimited

19. FORWARD moving

20. client REALTOR STAFF CLOSING AGENT LENDER TEAM ENVIRONMENT providing advice in a

21. PROCESS refined

22. “ ” The greatest danger in times of turbulence is not the turbulence; it is to act with yesterday’s logic. peter DRUCKER created by: