According to the TILA-RESPA Integrated Disclosure (TRID) rule, the borrower must receive the Closing Disclosure (CD) at least 3 business days prior to loan consummation. This waiting period gives the borrower adequate time to review the final terms and costs associated with the mortgage loan. If there are significant changes to the terms of the loan after the CD is issued, a new 3-day waiting period may be required.
References:
* TILA-RESPA Integrated Disclosure Rule (TRID), 12 CFR §1026.19(f)
* CFPB Closing Disclosure Guidelines

Under TILA, the term finance charge includes any fees related to the cost of borrowing, such as daily or per diem interest paid by the borrower. The finance charge encompasses all charges imposed by the creditor as a condition of extending credit, including interest, points, and loan origination fees.
* Seller's points (B) are not part of the finance charge because they are paid by the seller.
* Standard application fees (C) and document preparation fees (D) are typically excluded unless they are specifically tied to the cost of obtaining credit.
References:
* Truth in Lending Act (TILA), 12 CFR §1026.4
* CFPB Finance Charge Definition

The SAFE Act requires states to have systems in place to sanction individuals who act as mortgage loan originators without a valid license or registration. This includes the ability to impose civil money penalties.
"Each state must have... the authority to impose civil money penalties... for failure to comply with licensing requirements, including acting as a mortgage loan originator without a valid license or registration."
- 12 USC § 5104; SAFE Act Section 1517
Other activities may be sanctionable under different laws (e.g., RESPA, ECOA), but the SAFE Act specifically addresses unlicensed activity.
References:
SAFE Act, Section 1517, 12 U.S.C. § 5116
NMLS Uniform State Content Outline

FHA loans are available for primary residences, including manufactured homes, if they meet HUD standards.
FHA loans are not available for vacation homes, investment properties, bed and breakfasts, or commercial real estate.
"FHA will insure mortgages on manufactured homes that are principal residences and meet HUD requirements."
- HUD 4000.1 FHA Single Family Housing Policy Handbook
References:
HUD, FHA Manufactured Homes Guidelines
FHA Single Family Housing Policy Handbook (4000.1)

The VA funding fee can be financed into the loan amount. The fee is calculated as a percentage of the base loan ($200,000 x 2.15% = $4,300). The total loan amount is thus $204,300.
"The VA funding fee may be included in the loan. The total loan amount is the base loan plus the funding fee."
- VA Lender's Handbook, Chapter 8: Loan Approval and Closing
References:
VA Lender's Handbook, Chapter 8
CFPB, VA Loan Funding Fee