guidance residential lawsuit guidance residential lawsuit

Enclosed is a copy of a letter which was sent to the borrower on June 30, 2021 which included a Customer Account Activity Statement. The Civil Intake sheet filed with Quasem's Complaint in the Circuit Court for Montgomery County states that it is a breach of contract claim for more than $20,000, but does not identify exactly how much or that Quasem suffered any other type of harm. After extensive market research and analysis, Guidance proceeded to invest its own funds to develop Shaza Hotels, a new luxury hotel brand that reflected the spirit of the East.. Details regarding the determination of the review can be found on the communication provided with this notice. It seems like you guys were waiting for the rates to go up. Here, the alleged violations arose out of a loan executed on or before February 25, 2005, but Quasem did not initiate this action until April 5, 2011. On February 25, 2005, he and his wife purchased a property located in Silver Spring, Maryland. Your request for loss mitigation* options has been carefully considered. f`b``3 1x4>F^ Learn more about sexual harassment here. 18 U.S.C. 0000006109 00000 n Jacqueline ** W******Senior Compliance Analyst. I applied for mortgage refinancing with Guidance Residential and my credit report was pulled on 06-12-20. 2007) (collecting cases); see also Gehron v. Best Reward Credit Union, No. After Quasem and his wife were unable to make the monthly payments on the loan, Guidance appointed attorneys of Shapiro & Burson, LLP as substitute trustees to commence foreclosure proceedings on the property. W******Senior Compliance Analyst, *Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. Learn more. A signed letter was sent 01-08-21 to remove the 2nd and 3rd inquiry with an average turnaround time of 30 days. 97% of home buyers recommended this. What Documentation Is Needed When Applying for Islamic Home Financing? 2009) (quoting Goodman v. Praxair, Inc., 494 F.3d 458, 464 (4th Cir. 0000001482 00000 n For Payoff information, you will need to either have signed an authorization or call Customer Service at 1-877-402-0537 and provide the contact information for the 3rd party and authorize the release of the information to the 3rd party. My file was sitting there for no reason. The complaint must contain sufficient well-pled facts to "state a claim to relief that is plausible on its face." Accordingly, all claims against them will be dismissed without prejudice. This case was filed in Sacramento County Superior Courts, Sacramento County Carol Miller Justice Center located in Sacramento, California. . The company started operation in 2002 to provide Shariah compliant, riba-free (free of interest or usury) home financing contracts to Muslim American home buyers. A copy is enclosed for your review. This substantial settlement clearly sends the message that the Department of Justice is committed to the vigorous enforcement of federal laws that protect servicemembers., The incredible sacrifices our servicemembers make when they deploy and move frequently should never create financial or legal hardships for them, said G. Zachary Terwilliger, U.S. Attorney for the Eastern District of Virginia. The Justice Department today announced that PRG Real Estate Management and several related entities have agreed to pay up to $1,590,000 to resolve allegations that they violated the Servicemembers Civil Relief Act (SCRA) by obtaining unlawful court judgments against military tenants and by charging improper lease termination fees. The formation of Guidance Residential required creativity, skill, research, capital and a deep understanding both of the regulatory structures across the country and the needs and desires of U.S. Muslims. The independent administrator will locate victims and distribute payments at no cost to servicemembers. condominium boards regarding the Acts. The total amount of the refund (please see attached receipts) will be $584.00. Paul Hastings LLP is accusing Coca-Cola of attempting a "tactical gambit" to disqualify the law firm from representing a beverage cooling business in a $100 million trade secrets lawsuit against . We thank PRG for its cooperation in this case. 332 0 obj <>/Filter/FlateDecode/ID[<2ACEAD3D562D2A4B8FA0858DC911B0DB><1C5945D6DF336448ADDB7103BD5140AA>]/Index[317 29]/Info 316 0 R/Length 86/Prev 246943/Root 318 0 R/Size 346/Type/XRef/W[1 3 1]>>stream This letter is in response to the rejection that we received from the consumer regarding our response to the complaint ID listed above. Get legal help with matters related to work and residency GET LEGAL HELP About the Author Amanda Howe If he has not received the refund within the next 2-3 weeks, please do not hesitate to contact me at the email provided below. Its important that your financing [..]. Make your practice more effective and efficient with Casetexts legal research suite. Owning real estate under an LLC offers many advantages. Apply with Guidance Residential for financing pre-approval. Grab your free copy of Options 101: The Beginner's Guide ASAP. JPMorgan Chase Bank, National Association v. Cui Wen Zheng et al, Pentagon Federal Credit Union v. Yona Edelkopf et al, The Bank of New York Mellon FKA The Bank of New York, as Trustee for the Certificateholders of the CWALT, Inc., Alternative Loan Trust 2007-24 Mortgage Pass-Through Certificates, Series 2007- 24 v. Varune Persad et al. 0000009552 00000 n Additionally, we completed a review of all payments received since the borrower entered the forbearance plan and confirmed they were applied correctly. is a U.S. based Islamic home financing company headquartered in Reston, Virginia. The Purpose of an LLC in Islamic Home Financing, 11107 Sunset Hills Road, Suite 200, Reston, VA 20190. So are we. };y"R8yAj82 R3)A H]Bxl2Ky:LFVx9^X57k{}.euH+.= Cfbh 11107 Sunset Hills Road, Suite 300, Reston, VA 20190. When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints. Your credit score can change depending on how the information in your credit report changes. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. 3500.1-.23. They gave me a new lowered monthly payment. OMH COVID-19 Guidance - Adult and Children's Residential Documentation (4/13/2020) This guidance will be . The Fair Housing Act prohibits discrimination in housing because of: The Fair Housing Act covers most housing. Learn how and when to remove these template messages, Learn how and when to remove this template message, https://en.wikipedia.org/w/index.php?title=Guidance_Residential&oldid=1145071530, This page was last edited on 17 March 2023, at 03:49. Guidance Residential has operations in 22 states and has funded $2.3 billion of residential financing contracts since its inception. The Fair Housing Act makes it illegal to harass persons because of race, color, religion, sex (including gender identity andsexual orientation), disability, familial status, or national origin. Where a plaintiff has alleged "'facts sufficient to rule on an affirmative defense,'" such as "'the defense that the plaintiff's claim[s are] time-barred,'" the Court may reach the defense in ruling on a motion to dismiss under Rule 12(b)(6). As a result, it was determined at that time that the deferment would include the months of April 2020 through December 2020. and Lindquist & Vennum, 4200 IDS Center, 80 South Eighth Street, Minneapolis, MN 55402, counsel for defendant. underwriting review. Delay of the underlying proceeding was very much in Quasem's interest, since he would be able to retain his home that much longer. Guidance Residential will only charge a capped fee of $50 or less for late payments. It is our goal to provide financing to our customers, and we hope that we are able to complete this transaction for *** *****. We did substantial research and development, working closely with our strategicpartner, Freddie Mac, to create mortgage products that would meet the investment requirements of secondary market participants, including Freddie Mac. Please do not hesitate to reach out should any further questions or concerns need to be addressed. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. Home buyers increase their share over a period of time through a monthly payment. Erickson v. Pardus, 551 U.S. 89, 94 (2007) (quoting Estelle v. Gamble, 429 U.S. 97, 106 (1976)). Guidance Residential pays the amount shown due on the current year's tax bill. The customer explained that he made a payment in November 2020 that satisfied four of the payments which were outstanding due to the forbearance. Our research showed that U.S. Muslims faced very limited options for purchasing values-based financial services, which led us to imagine and create Guidance Residential as a new U.S. consumer finance company. See 12 C.F.R. --------. 18 U.S.C. R. Civ. 10] as to Counts I, II, IV, XI, XII, and XIII and DISMISSES the remainder of Quasem's claims. Contract ID ********** I am in the process of refinance my home loans from another lender, in regards to that I have received a payout statement from Guidance today, in which there are two charges I need clarification on and requested an amortization schedule starting from 01/0/2020, I called them and for two hours I been transferred from one department to another and still I am waiting, The only thing I was informed we will send you the statement, however, no one out of several people I have spoken to, was able to discuss the breakdown of these charges, it seems whatever computer has generated that all they know. If the customer requests the cash-out option in this example, Guidance could provide an additional $20,000 of financing by increasing its ownership in the property to 90%. Final Judgment will be entered in favor of Defendants and against Plaintiff. With the other lender, I had to spend another $1500 for a super urgent appraisal order. Without more, there is insufficient evidence to establish that this Court would have diversity jurisdiction over Quasem's state law claims. On June 21, 2021 we received an additional call from the customer during which he indicated that he feels that payments he made were misapplied. I will be responding to your concerns regarding the above-mentioned contract and appreciate the opportunity to do so. Website Approved by the NYS Department of Financial Services, An error occured while processing your request. 2601, et seq., and the Truth in Lending Act ("TILA"), 15 U.S.C. On April 5, 2011, Quasem filed the instant suit in Circuit Court for Montgomery County. HW]o]|?yH)U(EqKB?3WQt9!]z]ovk{] {?m?o7{r}v7o?nvN]o0?~pDybq7ttr {uvWoOmv;?L The fee covers the expenses involved in administering a late payment rather than the standard 5% penalty, and will not be profited by Guidance Residential. Published May 1, 2023 10:34 a.m. PDT SALT LAKE CITY - Gwyneth Paltrow will not recoup the attorneys' fees she paid to successfully defend herself against a lawsuit from a 76-year-old retired. Defendants. have confirmed that both credit inquiries from 06-18-20 and 01-05-21 were Our AEs advised all customers of this timeline to set expectations. . 0000012199 00000 n I appreciate the opportunity to address the concerns raised. Under the SCRA, if a landlord files a civil lawsuit against a tenant and the tenant does not appear, the landlord must file an affidavit with the court stating whether the tenant is in the military before seeking a judgment. After re-contacting ******* ****, they did advise us that a credit report was actually pulled on 06/18/20 as well as 01/05/21. 2010) (quoting Twombly, 550 U.S. 555). 1601, et seq., are barred by applicable statutes of limitations and should be dismissed. ******* **** also confirmed that they have no data in their 3:09-CV-333, 2009 WL 3614764, at *1 (E.D. Linkhorn Bay Apartments Virginia Beach, Virginia; The Courtyards of Chanticleer Virginia Beach, Virginia; Hilton Village Townhomes Newport News, Virginia; Heritage Trace Apartments Newport News, Virginia; Hyde Park Apartments Chester, Virginia; and. Guidance Documents. Our review of the account confirmed that we faxed the customer a buyout statement on June 16, 2021. Quasem's state law claims, insofar as any have merit, may presumably go forward in the state proceeding. 09 Civ. To finance the purchase, they executed a note and deed of trust in favor of Guidance in the amount of $375,000. The Department launched its investigation after Navy legal assistance attorneys in Norfolk, Virginia, reported that PRG had obtained eviction and money judgments against servicemember-tenants in Virginia state courts by filing affidavits that failed to accurately disclose the tenants military status. The Department of Justice announced today that it has published guidance on how the Americans with Disabilities Act (ADA) protects people with opioid use disorder (OUD) who are in treatment or recovery, including those who take medication to treat their OUD. We went from idea to solution in less than two years after the founding of Guidance Financial Group. TTY: 202-708-1455, Privacy Policy | Web Policies | Accessibility | Sitemap, Privacy Policy | Web Policies | Accessibility | Sitemap, Housing Discrimination Under the Fair Housing Act, Complaint Filing in Languages Other Than English, Requirements for Section 202 Supportive Housing for the Elderly Program, Requirements for Section 811 Supportive Housing for Persons with Disabilities Program, Requirements for Rental Assistance Demonstration, Requirements for Community Development Block Grant Program, Requirements for Community Development Block Grant Disaster Recovery and Mitigation Programs, Sex(including gender identityand sexual orientation), Set different terms, conditions or privileges for sale or rental of a dwelling, Provide a person different housing services or facilities, Falsely deny that housing is available for inspection, sale or rental, Make, print or publish any notice, statement or advertisement with respect to the sale or rental of a dwelling that indicates any preference, limitation or discrimination, Impose different sales prices or rental charges for the sale or rental of a dwelling, Use different qualification criteria or applications, or sale or rental standards or procedures, such as income standards, application requirements, application fees, credit analyses, sale or rental approval procedures or other requirements, Fail or delay performance of maintenance or repairs, Limit privileges, services or facilities of a dwelling, Discourage the purchase or rental of a dwelling, Assign a person to a particular building or neighborhood or section of a building or neighborhood, For profit, persuade, or try to persuade, homeowners to sell their homes by suggesting that people of a particular protected characteristic are about to move into the neighborhood (blockbusting), Refuse to provide or discriminate in the terms or conditions of homeowners insurance because of the race, color, religion, sex (including gender identity andsexual orientation), disability, familial status, or national origin of the owner and/or occupants of a dwelling, Deny access to or membership in any multiple listing service or real estate brokers organization, Refuse to make a mortgage loan or provide other financial assistance for a dwelling, Refuse to provide information regarding loans, Impose different terms or conditions on a loan, such as different interest rates, points, or fees, Condition the availability of a loan on a persons response to harassment, Threaten, coerce, intimidate or interfere with anyone exercising a fair housing right or assisting others who exercise the right, Retaliate against a person who has filed a fair housing complaint or assisted in a fair housing investigation. Get your pre-qualification status with Guidance Residential. This letter is in response to the Complaint received by Guidance Residential on May 4th, 2021. It is illegal discrimination to take any of the following actions based on race, color, religion, sex (including gender identity andsexual orientation), disability, familial status, or national origin: For more information about discrimination in mortgage lending, visit Fair Lending. The Account Executive that was assigned to this contract is no longer with Guidance Residential, and after we have completed a thorough review of all the documentation that we have on file, it. If this were to occur, the lawsuit would be under the name oftheLLC and notthehomeownersname. However, during the call we received the customer asked for clarification regarding the amount of $ 5,787.03 which appears on the statement as Unpaid other fees. UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MARYLAND. I called multiple times to make sure that everything was in order. After less than three years of operations, Dar Al Tamleek achieved the leading share of the Saudi mortgage market and won numerous local and regional awards for the quality of its customer service and products. The complaint does not indicate what items he is needing clarification of. Under the settlement, PRG will pay up to $1,490,000 million to compensate 127 servicemembers who had 152 unlawful default judgments entered against them and $34,920.39 to compensate 10 servicemembers who were charged early lease termination fees in violation of the SCRA. I never missed a single payment and I always called way ahead of time to make the payments. 1983)). Laws ofsettingoneupmay differ slightly by state, butonce set up, itprovidespeace of mind byprotecting the business owners personal assets. Sincerely,Customer Assistance*Loss mitigation refers to foreclosure alternatives such as forbearances, modifications, account restructures, short sales and deeds-in-lieu of foreclosure. However, prior to processing the deferment, because the deferment was intended for the months of April 2020 through December 2020, those payments were reversed and temporarily placed into a suspense account. Share sensitive information only on official, secure websites. Guidance Documents include memorandums, advisories, or similar documents that provide general information or guidance to assist regulated parties in complying with any statute, rule, or other legal requirement. II. We are truly sorry for the inconvenience this may have caused *** *******and his Family. Equity Residential is a . Your information is safe with us. 0000017846 00000 n 0000001677 00000 n As a matter of policy, BBB does not endorse any product, service or business. Due to the extreme price increases in homeowners insurance, my mortgage payment went up by almost $800 a month in less than two years. JRK Residential is a Nevada-based for-profit real estate investment firm and property management company that operates at least four apartment complexes in Pierce, Snohomish, and Kitsap Counties. Select this option if the following applies to you. Certain multifamily housing must be accessible to persons with disabilities. endstream endobj startxref 0000012102 00000 n In December 2020 he submitted another application for a 30 year refinance and was charged another credit reporting fee, as this was a new application. 2d 475, 478 (D. Md. This is how we can apply strict adherence to Sharia guidelines. PRG Real Estate Management to Pay $1.59 Million for Alleged Violations of the SCRA, Download prg_complaint_filed_2019-03-14.pdf, Download executed_prg_settlement_agreement_15_march_2019_0.pdf, Civil Rights - Housing and Civil Enforcement Section. 0000050601 00000 n Public Records Policy. Please try again later*, Fill out the form to schedule a free financing consultation with one of our expert licensed Account Executives. hb```b``5d`e`` @16 YYn100fgnc`vm[Va[n@~%e Without a private right of action, Count IV must be dismissed for failure to state a claim upon which relief can be granted. I want to make a complain about Mourad B****** and Melinda S*****. For more information about the Departments SCRA enforcement efforts, please visitwww.servicemembers.gov. endstream endobj 739 0 obj <>/Metadata 93 0 R/Pages 90 0 R/StructTreeRoot 95 0 R/Type/Catalog/ViewerPreferences<>>> endobj 740 0 obj <>/Font<>/ProcSet[/PDF/Text]/Properties<>>>/Rotate 0/StructParents 0/TrimBox[36.0 36.0 648.0 828.0]/Type/Page>> endobj 741 0 obj <> endobj 742 0 obj <> endobj 743 0 obj <> endobj 744 0 obj <>stream This case should remain open until both Credit Inquiries from 06-18-20 Because the Customer Account Activity Statement does not include the suspense balance, we have created and enclosed a spreadsheet which includes this additional information. Office locations may be found athttp://legalassistance.law.af.mil. Why my file was waiting for so long. He was charged for a credit report fee. Sign up for our newsletter to stay up to date with the latest on mortgage news, rates and more. Its very bad customer service. This may include agency guidance because HUD recognizes, consistent with Executive Order 13891, that a defendant may be obligated to follow agency guidance when it is so binding, or guidance was incorporated into a binding authority, such as a contract. The factual allegations must "permit the court to infer more than the mere possibility of misconduct." : PJM 11-1836 (D. Md. 2009) (citations omitted). 738 0 obj <> endobj Iqbal, 129 S. Ct. at 1950. The company finances residential homes through its Declining Balance Co-Ownership Program, also known as diminishing Musharaka. See Quasem v.. at (484) 270-1453 or via email at info@ktmc.com Kessler Topaz is one. If you do not agree with these terms, then do not use our website and/or services. 6801-6809; 16 C.F.R. The Fair Housing Act protects people from discrimination when they are renting or buying a home, getting a mortgage, seeking housing assistance, or engaging in other housing-related activities. This case will be dismissed and should go forward in state court as a foreclosure proceeding. This letter is a response to Complaint ID ********. On 01-05-21, without my consent, my credit report was pulled 3rd time and I escalated again on 01-05-21, since we didnt apply for an additional mortgage loan and previous loan was closed on 09-14-21, so why my credit was pulled 3rd time. View document checklist. Nemet Chevrolet, Ltd. v. Consumeraffairs.com , Inc., 591 F.3d 250, 255 (4th Cir. A claim under TILA must be brought within one year of the date of the violation. Quasem has always officially been pro se. Uhre v. Emmett A. Larkin Co., Inc., 205 F. Supp. 2007) (en banc)). We are truly sorry that the customer was unhappy with this transaction, but unfortunately the timeline to process a file at this time, and the increase in the rate, was something that we had little control over. 0000010126 00000 n More than likely, your attorney will recommend that you report the lawsuit to your insurance carrier. On February 6, 2012, the Court issued an Order granting Quasem an additional 20 days to file an opposition. When the borrower called on June 16, a request was submitted to provide the borrower with an amortization schedule which would provide information regarding how future payments would be applied. By letter dated February 24, 2012, Quasem advised the Court that the firm with which his attorney was associated had closed its "activities." 0000021475 00000 n knowledgeable team at Guidance Residential, Guidance Is Not a Bank: Why an LLC Makes All the Difference, Tips to maintain your productivity during Ramadan. \:/L|eP|eBt,x>3AAPH`l0P/I0 $Aa#>yxr~KL7 30fviy6`O 770 0 obj <>stream And ifprivacy is a concern, having an LLC is beneficial as it is not as easy to find public records, like how much was paid for the house when it was purchased underan LLCand not the owners name. I was promised that I will get refunded for one of them. On October 6, 2021, the court entered a consent order in United States v. The Declining Balance Co-Ownership Program of Guidance Residential has been endorsed by the Assembly of Muslim Jurists of America (AMJA) - an advisory group to the Muslim American public with experts in the Islamic jurisprudence. endstream endobj 745 0 obj <>stream If a tenant terminates a lease pursuant to the SCRA, the landlord may not impose any early termination fee. from 06-18-20. I got charged twice for credit check report. They then steered me in the direction of what they call their MAP program. and 01-05-21 are removed from my credit report. initiated by Guidance Residential and do show up in the ******* **** system. After the trial. 0000015557 00000 n calling ******* **** again to confirm if the request is sent in by Guidance financial damages . 226.1-.20. regulations and guidance.7 Furthermore, this guidance does not address SPCPs created by non profit organizations for the benefit oftheir members as that was outside the scope ofthe question presented to this office as requiring guidance. The customer was advised that the timeline for refinances in the Underwriting Queue was elongated up to 60+ days. 0000000975 00000 n This matter was handled jointly by the Civil Rights Divisions Housing and Civil Enforcement Section and the U.S. Attorneys Office for the Eastern District of Virginia. GUIDANCE RESIDENTIAL LLC Case Summary On 03/19/2018 AMRUDDIN, HOTAKI filed a Small Claim - Other Small Claim lawsuit against GUIDANCE RESIDENTIAL LLC. An LLC, or limited liability company, is a business structurethatallows the owner to not be personally liable for the companys business activities,debts, and liabilities. He also stated that he would like information sent to him regarding the portion of each payment which was applied towards the principal balance. 0000002919 00000 n These Counts must be dismissed pursuant to Rule 12(b)(6). Navis Capital Partners have completed more controlled buyouts in Asia than any of their peers and retain an extensive and loyal backing from local investors. We will launch a digital customer portal to give customers real-time insight into project status and timelines and provide a post-install communication and support tool. That leaves me no choice but to go to another lender 6 days before my closing date. endstream endobj 769 0 obj <>/Filter/FlateDecode/Index[95 643]/Length 44/Size 738/Type/XRef/W[1 1 1]>>stream Accordingly, Quasem's request for further delay, after an inexcusable period of delay, has little equitable appeal.Beyond that, as the Memorandum Opinion will explain, all of Quasem's purported federal claims are wholly without merit. Sale of the property was set for April 6, 2011. The U.S. financial services industry is heavily regulated at the federal, state and local levels. Secure .gov websites use HTTPS A plaintiff proceeding pro se is held to a "'less stringent'" standard than is a lawyer, and the court must construe his claims liberally, no matter how "'inartfully pleaded.'" Mar. The second issue was the customers request for additional information regarding a buyout statement received. The terms of the deferment were established prior to the payment being applied. Similar models utilized in the United States can only avoid trading in debt by keeping the contracts on their balance sheets and not selling contracts in the secondary market to Freddie Mac or Fannie Mae. Am., No. NEW YORK, April 28, 2023 (GLOBE NEWSWIRE) -- Bragar Eagel & Squire, P.C., a nationally recognized stockholder rights law firm, reminds investors that a class action lawsuit has been filed against . An LLC reduces risk by acting separately from any assets that a potential homebuyer may own, such as a 401k savings account and/or other business or personal assets. These options may vary depending upon investor participation and approval. I wasted the $ 575 appraisal fee and months of time also pain and panic that caused the whole family at the very last minute. But the court need not accept as true "legal conclusions, elements of a cause of action, and bare assertions devoid of further factual enhancement." There is no credit check and it takes less than 10 minutes to complete the online pre-qualification process. Mr. Dernoshek has not established that the "local controversy . I have been told since January 2021 that the issue will be resolved The Acts broadly protects applicants seeking housing and tenants throughout the state. 0 %PDF-1.6 % UniCourt uses cookies to improve your online experience, for more information please see our Privacy Policy. Our app is available on the App Store and Google Play. RgGo'W _z!+}gbMvv g0z CS+~6!\od }HxN^~VS6BPpi (/+h2 Although Quasem does not identify the RICO provision under which he seeks relief, each provision requires that a plaintiff allege, inter alia, a "pattern of racketeering activity." BBB Business Profiles are subject to change at any time. This letter is in response to the correspondence that we received from the BBB regarding the complaint ID listed above. This is why we are the only nationwide Islamic financial institution in the U.S. that has received the endorsement of the Assembly of Muslim Jurists of America, orAMJA. He claims that he is still unaware of how his non-public information was and continues to be used and disseminated. Guidance purportedly never provided Quasem or his wife with several required documents or other pertinent information at or prior to settlement, including a Servicing Transfer Disclosure Statement, a Notice of Transfer and Underwriting and Transmittal Summary Form, and the annual percentage rate on the Truth in Lending Disclosure Statement.