In GA, the HUD-1 is always prepared by the closing attorney's office. They prepare the HUD based on the lender's clsoing package. That is normally send out anywhere from one day prior to a few days before the closing date. The lender's closing department cannot send out the closing package until your loan is 100% Clear to Close by the Underwriter. If you still have any outstanding conditions, then your loan is not yet ready. You will not be given a copy of the HUD-1 until the lender has reviewed and approved it.
All fees associated with the closing must be listed on the HUD-1. This includes all closing costs, pre-paids, prorations, and real estate commissions.
Sr Loan Officer / FHA 203K Renovation / HomePath Specialist
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