Contracts

A Tennessee buyer who receives the Closing Disclosure three days before closing and wants to review it carefully before proceeding should know that:

AThe three-day period is the lender's requirement and cannot be waived
BThe buyer may waive the three-day waiting period in specific bona fide personal financial emergency circumstances✓ Correct
CThe closing will automatically proceed regardless of the buyer's review
DThe three-day period only applies to refinance transactions

Explanation

Under TRID rules, the three-day waiting period between Closing Disclosure delivery and closing can only be waived by the borrower in cases of bona fide personal financial emergency. The waiver must be in writing. The three-day period exists to protect consumer review rights.

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