Homebuyer Eduction
Know Your Numbers: Understanding Your HUD-1 & Closing Disclosure
Clear, local guidance so you always know exactly what you're signing.
What These Documents Are
Your HUD-1 — or for most loans after 2015, your Closing Disclosure — gives you a complete breakdown of every cost between you and the seller. No surprises, no confusion.
What's a Closing Disclosure?
A Closing Disclosure (CD) is a simple, five-page summary of your final loan terms, your projected monthly payments, and all closing fees. It's your final "truth sheet" before you sign.
When You Receive It
You'll get your CD at least three business days before closing. That gives you time to review it, compare it to your Loan Estimate, and ask us anything you need — we've got your back every step of the way.
We Review It With You
With the Galindo Team, you don't face confusing paperwork alone. We explain every line in plain English, making sure you feel confident and ready for closing day.
Your Closing Disclosure, Made Simple
See exactly what your final loan terms look like — no confusion, no surprises.
Your Closing Disclosure (CD) lays out every important detail of your mortgage: your loan terms, interest rate, projected monthly payments, and the full breakdown of closing costs. It's the final snapshot of your loan before you sign.
We walk you through each section — line by line — so you understand what you're paying, why you're paying it, and what's changed since your original Loan Estimate.
With the Galindo Team, you don't just get paperwork. You get clarity, confidence, and a local team that explains everything in plain English.
Loan Terms
Your rate, loan amount, and type at a glance.
Monthly Payments
Principal, interest, taxes, and insurance broken down.
Closing Costs
Every fee itemized — no hidden charges.
Personal Review
We walk you through it line by line.
Questions About Your Closing Documents? We're Here to Help.
Whether you're a first-time buyer or refinancing, the Galindo Team reviews your closing disclosure with you — so you sign with confidence.
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.
Information provided is for educational purposes only. It should not be construed as financial or legal advice or instruction. Citywide Home Mortgage does not guarantee or assume liability for the accuracy, completeness or timelines of the information. You should conduct additional research before making any mortgage related decisions.
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Maria DiMaggio Hickman NMLS #818509
Product Branch Manager
maria.hickman@citywide.com
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