| Re: where to locate original loan application?
You can send a qualified written request for the documents. They are required to keep them for several years. You should send that request to the broker, lender, and title company. That way you should get all of the finger pointing out of the way all at one time as to why none of them have your 1003 (your application).
As for TILA violations, the application is not a place to look, but it could be a good fraud in the inducement case, or counterclaim. You need the TIL, the note, mortgage and the other disclosures to discover TILA violations. Do you have the closing package? |