{"id":4804,"date":"2015-06-24T16:02:46","date_gmt":"2015-06-24T16:02:46","guid":{"rendered":"http:\/\/gohome.fastforwardstories.com\/?p=4804"},"modified":"2015-06-24T16:02:46","modified_gmt":"2015-06-24T16:02:46","slug":"how-long-must-creditors-keep-real-estate-loan-records","status":"publish","type":"post","link":"https:\/\/trumantitle.com\/2015\/06\/24\/how-long-must-creditors-keep-real-estate-loan-records\/","title":{"rendered":"How Long Must Creditors Keep Real Estate Loan Records?"},"content":{"rendered":"<p><script src=\"https:\/\/fast.wistia.com\/assets\/external\/E-v1.js\" async><\/script><\/p>\n<div class=\"wistia_responsive_padding\" style=\"padding:56.25% 0 0 0;position:relative;\">\n<div class=\"wistia_responsive_wrapper\" style=\"height:100%;left:0;position:absolute;top:0;width:100%;\">\n<div class=\"wistia_embed wistia_async_8j3etcqr74 dnt=1 videoFoam=true\" style=\"height:100%;position:relative;width:100%\">\n<div class=\"wistia_swatch\" style=\"height:100%;left:0;opacity:0;overflow:hidden;position:absolute;top:0;transition:opacity 200ms;width:100%;\"><img src=\"https:\/\/fast.wistia.com\/embed\/medias\/8j3etcqr74\/swatch\" style=\"filter:blur(5px);height:100%;object-fit:contain;width:100%;\" alt=\"\" aria-hidden=\"true\" onload=\"this.parentNode.style.opacity=1;\" \/><\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>Under the TRID rule, creditors must retain Escrow Cancellation and Partial Payment Policy disclosures for two years; Loan Estimate records for three years after loan consummation and Closing Disclosures for FIVE years.<\/p>\n<p>If a creditor sells or transfers their interest they must provide a copy of the Closing Disclosure to the new owner or servicer and both parties must retain it for the remainder of the 5-year period. Records CAN be stored digitally but it is NOT required.<\/p>\n<p>TRID does not define how long consumers should keep disclosure records.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Under the TRID rule, creditors must retain Escrow Cancellation and Partial Payment Policy disclosures for two years; Loan Estimate records for three years after loan consummation and Closing Disclosures for FIVE years. If a creditor sells or transfers their interest they must provide a copy of the Closing Disclosure to the new owner or servicer&hellip;<\/p>\n","protected":false},"author":51,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":""},"categories":[14],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.6.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Long Must Creditors Keep Real Estate Loan Records? - Warrensburg, Higginsville, Lexington, MO | Truman Title, Inc.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trumantitle.com\/2015\/06\/24\/how-long-must-creditors-keep-real-estate-loan-records\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Long Must Creditors Keep Real Estate Loan Records? - Warrensburg, Higginsville, Lexington, MO | Truman Title, Inc.\" \/>\n<meta property=\"og:description\" content=\"Under the TRID rule, creditors must retain Escrow Cancellation and Partial Payment Policy disclosures for two years; Loan Estimate records for three years after loan consummation and Closing Disclosures for FIVE years. If a creditor sells or transfers their interest they must provide a copy of the Closing Disclosure to the new owner or servicer&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/trumantitle.com\/2015\/06\/24\/how-long-must-creditors-keep-real-estate-loan-records\/\" \/>\n<meta property=\"og:site_name\" content=\"Warrensburg, Higginsville, Lexington, MO | Truman Title, Inc.\" \/>\n<meta property=\"article:published_time\" content=\"2015-06-24T16:02:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/trumantitle.com\/wp-content\/uploads\/sites\/52\/2022\/11\/Truman_Title_SC_Logo.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"trumantitle.com\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"trumantitle.com\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/trumantitle.com\/2015\/06\/24\/how-long-must-creditors-keep-real-estate-loan-records\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/trumantitle.com\/2015\/06\/24\/how-long-must-creditors-keep-real-estate-loan-records\/\"},\"author\":{\"name\":\"trumantitle.com\",\"@id\":\"https:\/\/trumantitle.com\/#\/schema\/person\/711acd1c6ec028c5eb6aaa77997a095b\"},\"headline\":\"How Long Must Creditors Keep Real Estate Loan Records?\",\"datePublished\":\"2015-06-24T16:02:46+00:00\",\"dateModified\":\"2015-06-24T16:02:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/trumantitle.com\/2015\/06\/24\/how-long-must-creditors-keep-real-estate-loan-records\/\"},\"wordCount\":113,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/trumantitle.com\/#organization\"},\"articleSection\":[\"TRID\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/trumantitle.com\/2015\/06\/24\/how-long-must-creditors-keep-real-estate-loan-records\/\",\"url\":\"https:\/\/trumantitle.com\/2015\/06\/24\/how-long-must-creditors-keep-real-estate-loan-records\/\",\"name\":\"How Long Must Creditors Keep Real Estate Loan Records? 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