The TILA-RESPA Integrated Disclosure (TRID) finale rule is being implemented on October 3, 2015. Are you ready?

1. TRID Is Coming.
Are You Ready?

2. October 3, 2015:
Final Implementation Date
 TILA-RESPA Integrated Disclosure (TRID) final rules
published on November 20, 2013.
 August 1, 2015 implementation date was pushed
back in June 2015.
 New, final implementation date is October 3, 2015.

3. Who Is Affected?
Anyone who handles, facilitates, or processes real
estate transactions including:
Lenders
Real Estate Attorneys
Real Estate Brokers
Settlement Agents
Title Companies

4. There Will Be No Grace Period
 Lenders and Settlement Agents must be prepared to use
the new forms on October 3, 2015.
 No delayed enforcement period is expected.
 Failure to use the new forms means compliance
violations, fines, and penalties.

5. The New Forms
TRID Consolidates 4 Real Estate Closing Forms Into
Just 2:
Early Truth In Lending (TIL) and Good Faith Estimate
Forms become the new Loan Estimate (LE) Form.
Final TIL and HUD-1 Settlement Statement become
the new Closing Disclosure (CD) Form.

6. Who Prepares the Forms?
 Loan Estimate Form:
• Prepared by Mortgage Broker or Lender
 Closing Disclosure To Buyer:
• Prepared by Settlement Agent or Lender
 Closing Disclosure to Seller:
• Prepared by Settlement Agent

7. Who is Responsible for
Accuracy?
The Lender is responsible for the accuracy
of both the Loan Estimate and
Closing Disclosure Forms.

8. Additional Changes
 Timing Requirements
 Records Retention
 Definition of Application
 Changes in Variances
 Itemization of Charges
 Disclosure of Broker Compensation and Discount
Points

9. No Room For Error
 Compliance requires unprecedented level of precision.
 No margin for error in estimating fees.
 No margin for error in collecting and providing
information to consumers.
 No margin for error in submitting data to the lender.

10. Painless Compliance Is Possible
 Easy Soft software is 100% compliant with TRID.
 Built-in safeguards ensure data accuracy.
 Software automates the real estate closing process,
improves productivity, and reduces closing time by
as much as 80%.
 Software is fully MISMO-compliant for data
security.

11. You Need HUD and CDF
 You will still use the old HUD-1 and HUD-1A
settlement statements for some closings.
 You will need the new Closing Disclosure Forms for the
vast majority of real estate closings.
 Both Easy HUD and EasyCDF will be needed.
 Both EasyCDF and Easy HUD are available in the
EasyRealEstate Suite.

12. Software For Solo Practitioners
and Small Law Firms
 Easy Soft programs are designed specifically for
small and solo law firms so you can keep closings in-
house.
 EasyRealEstate Suite is a complete real estate
closing software solution.
 Guaranteed 100% TRID & MISMO compliance.
 You are guided through the process step-by-step.
 Save money over hiring additional staff.
 Just fill in the blanks.

13. Step-by-Step Streamlined
Closings
1. Generate TRID-compliant HUD and Closing
Disclosure Forms.
2. Enter Case Data.
3. Generate Real Estate Forms.
4. Balance Closings and Print Checks.
5. File 1099-S Forms Electronically.

14. Easy Pricing
 EasyRealEstate Suite starts at $49 per user per
person for the desktop version or $59 per user per
person for the Cloud version (both billed annually).
 Subscribe to the Suite. Download only the programs
you need, but maintain access to the entire Suite.

15. We Are Here For You
Every Step of the Way
Easy Soft Resources:
Ongoing Educational Seminars
Easy Soft Website
Easy Soft Blog
Easy Soft Support Portal for Users
Live-by-Phone Technical Support valid during your
subscription.

16. Download EasyRealEstate Suite
Today
Contact Easy Soft at 1-800-905-7638 or
info@easysoft-usa.com.
Learn more about the Suite at
www.easysoft-usa.com.
Download the Suite online today!