CRAM ARCADE Open App

A lender mails the Closing Disclosure on Tuesday, March 4th. There are no federal holidays. What is the EARLIEST the loan can close?

Federal Mortgage Law · 24% of the SAFE exameasy

Show the answer and explanation

Correct answer: Wednesday, March 12th

Step 1 — Mailbox rule: mailed Tuesday + 3 business days = Friday March 7th (presumed received). Step 2 — 3-day CD waiting: received Friday(day 0), then Sat(1), Mon(2), Tue(3) = earliest close Wednesday March 12th. Remember: Saturday counts as a business day for CD waiting period purposes.

Drill 2,078 more questions like this, free

CRAM ARCADE has the full NMLS question bank, timed practice exams, focus drills on your weakest category, flashcards and spaced repetition. No credit card.

Start studying free