{"id":10799,"date":"2015-06-24T16:02:46","date_gmt":"2015-06-24T16:02:46","guid":{"rendered":"http:\/\/gohome.fastforwardstories.com\/?p=4804"},"modified":"2024-05-06T20:32:54","modified_gmt":"2024-05-06T20:32:54","slug":"how-long-must-creditors-keep-real-estate-loan-records","status":"publish","type":"post","link":"https:\/\/kelleygrantlaw.com\/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_02snmzupib 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\/02snmzupib\/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","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":131,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":""},"categories":[27],"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? - Boca Raton, West Palm Beach, Fort Lauderdale FL | Kelley, Grant, &amp; Tanis, P.A.<\/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:\/\/kelleygrantlaw.com\/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? - Boca Raton, West Palm Beach, Fort Lauderdale FL | Kelley, Grant, &amp; Tanis, P.A.\" \/>\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:\/\/kelleygrantlaw.com\/how-long-must-creditors-keep-real-estate-loan-records\/\" \/>\n<meta property=\"og:site_name\" content=\"Boca Raton, West Palm Beach, Fort Lauderdale FL | Kelley, Grant, &amp; Tanis, P.A.\" \/>\n<meta property=\"article:published_time\" content=\"2015-06-24T16:02:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-06T20:32:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/kelleygrantlaw.com\/wp-content\/uploads\/sites\/304\/2023\/10\/Social-Media-Photo.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"kelleyandgrantlaw\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"kelleyandgrantlaw\" \/>\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\":\"WebPage\",\"@id\":\"https:\/\/kelleygrantlaw.com\/how-long-must-creditors-keep-real-estate-loan-records\/\",\"url\":\"https:\/\/kelleygrantlaw.com\/how-long-must-creditors-keep-real-estate-loan-records\/\",\"name\":\"How Long Must Creditors Keep Real Estate Loan Records? - Boca Raton, West Palm Beach, Fort Lauderdale FL | Kelley, Grant, &amp; Tanis, P.A.\",\"isPartOf\":{\"@id\":\"https:\/\/kelleygrantlaw.com\/#website\"},\"datePublished\":\"2015-06-24T16:02:46+00:00\",\"dateModified\":\"2024-05-06T20:32:54+00:00\",\"author\":{\"@id\":\"https:\/\/kelleygrantlaw.com\/#\/schema\/person\/93c02eecf78250e9761adc9b9457ce9f\"},\"breadcrumb\":{\"@id\":\"https:\/\/kelleygrantlaw.com\/how-long-must-creditors-keep-real-estate-loan-records\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/kelleygrantlaw.com\/how-long-must-creditors-keep-real-estate-loan-records\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/kelleygrantlaw.com\/how-long-must-creditors-keep-real-estate-loan-records\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/kelleygrantlaw.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How Long Must Creditors Keep Real Estate Loan Records?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/kelleygrantlaw.com\/#website\",\"url\":\"https:\/\/kelleygrantlaw.com\/\",\"name\":\"Boca Raton, West Palm Beach, Fort Lauderdale FL | Kelley, Grant, &amp; Tanis, P.A.\",\"description\":\"Real Estate Attorney, Real Estate Law, Title Law, Title Company\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/kelleygrantlaw.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/kelleygrantlaw.com\/#\/schema\/person\/93c02eecf78250e9761adc9b9457ce9f\",\"name\":\"kelleyandgrantlaw\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/kelleygrantlaw.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/9083f949621cfd4408bcfc9673c3060d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/9083f949621cfd4408bcfc9673c3060d?s=96&d=mm&r=g\",\"caption\":\"kelleyandgrantlaw\"},\"url\":\"https:\/\/kelleygrantlaw.com\/author\/kelleyandgrantlaw\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How Long Must Creditors Keep Real Estate Loan Records? - Boca Raton, West Palm Beach, Fort Lauderdale FL | Kelley, Grant, &amp; Tanis, P.A.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/kelleygrantlaw.com\/how-long-must-creditors-keep-real-estate-loan-records\/","og_locale":"en_US","og_type":"article","og_title":"How Long Must Creditors Keep Real Estate Loan Records? - Boca Raton, West Palm Beach, Fort Lauderdale FL | Kelley, Grant, &amp; Tanis, P.A.","og_description":"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. 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