I never received a Loan Estimate. What can I do?
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If you did not get a Loan Estimate within three business days of submitting an application for a mortgage loan, contact your lender and ask if the Loan Estimate has been sent and when it was sent.
The lender is required to send you a Loan Estimate within three business days of receiving your application.
The lender is not required to provide you a Loan Estimate if the lender denies your application before the end of the third business day after receiving your loan application. Learn more about what to do if your application was denied.
Note: You will not receive a Loan Estimate or Closing Disclosure if you are shopping for:
- A reverse mortgage
- A home equity line of credit (HELOC)
- A manufactured housing or mobile home loan not secured by real estate
- A subordinate loan through certain types of homebuyer assistance programs
For these kinds of loans, you should receive Truth-in-Lending disclosures. If you are shopping for a reverse mortgage, you will also receive a Good Faith Estimate (GFE) and a HUD-1 or HUD-1A Settlement Statement.
If the lender refuses to send you a Loan Estimate, consider working with another lender. You can also submit a complaint to the CFPB online or by calling (855) 411-CFPB (2372). We’ll forward your complaint to the lender and work to get a response, generally in 15 days.