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John Shellington
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I've been in residential lending for 38 years and I also have held a real estate broker's license for the past 27 years
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Please visit http://www.johnshellington.com for my profile and additional mortgage guidelines
John Shellington answered:
Any lender has to comply with Regulation Z (advanced disclosure).. The tough part to prove is whether they adtually disclosed in a timely matter. This is a very touchy issue and one that I think Wells Fargo should be sensitive about. The only thing I can recommned is to continue to try and reach management to get a complete explanation from Wells on how this event took place. They should have documentation proving that they complied with Reg Z. Good Luck.
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