what information does respa require to be disclosed 
respa requires that borrowers receive various disclosures at different times first the lender or mortgage broker must give you an estimate of the total settlement service charges that you likely will have to pay this estimate is a good faith estimate however actual costs may vary the lender or mortgage broker also must provide a written disclosure when you apply for a loan or within the next three business days if they expect that someone else will be collecting your mortgage payments also referred to as servicing a loan 11