small private mortgage company
how can i find out what state (ny) and federal laws apply to my mortgage, when it's coming from a small private mortgage company? ($200K / 25 yr / 10%)
meaning ,if there is no application, no preliminary documents whatsoever, no TIL or HUD statement, etc., no disclosures whatsoever - there is no way this can be legally sound, staying within NY state and federal laws, especially when where there's a mortgage broker involved, is there???