Have you read all 341 pages? I am getting there...but of course I skipped straight ahead to the new HUD-1 and the rules governing it. There is much more than just a facelift here. I find the changes to the listing of charges for the 1100 series very interesting. Please look at the new GFE too, in particular the Instructions on Page 3. The 10% tolerance applies only to "title services and lender's title insurance (if we select them or you use companies we identify)." How can you be an "identified" company? Do you want to be? If you are not an "identified" company, are you then not subject to the 10% tolerance? Do you want to not be subject to the tolerance? If you see the GFE, will you charge less to be competitive and get the business?

A bigger question is how can we help you get more business under the new rules. What is your vision of an electronic workflow with your lenders ? How will the lenders ever get the recording fees and transfer taxes correct without coming to you first. (Even then we know it can be tricky because deals change.) We need your feedback!