Posted by River City on May 04, 2005 at 06:24:23:
I am not familiar with California disclosures, so I do not know California law very well. When I found the California GFE, it does not appear that it must be signed by the applicant, although there is a signature line. It states that the applicant should not sign the disclosure unless they understand the disclosure, which can imply that signatures are not required.
For this reason, it would be your word against the brokers as to whether the disclosure was ever delivered. The broker could state that the disclosure was placed in the mail. I know that my mail delivery messes up on a consistant basis and I have a (community)locked mailbox. All the broker has to do is have a copy of the GFE in their file with an indicator that it was placed in the mail to you. It would be next to impossible to prove otherwise.
There are several websites that indicate required federal disclosures to mortgage loan applicants. Before going for another loan, I would suggest that you familiarize yourself with those disclosures. You can even go to Bankers Online and go to the “Ask a Banker” section. They are very helpful.
I hope your closing goes/went well.