Veteran's Day Lock Desk Hours

Carrington Mortgage Services (CMS) offices, including the Lock Desk, will be closed Monday, November 12, 2018 in observance of Veteran’s Day, which is a Federal Holiday. Normal Lock Desk hours will resume on Tuesday, November 13, 2018.
Locks that expire on the holiday will automatically roll to the next business day. In addition, there are some important disclosure considerations associated with the holiday:

• Monday, November 12, 2018 cannot be included in the rescission period for refinance transactions
• Monday, November 12, 2018 cannot be included in the seven (7) business day waiting period between the date the initial Loan Estimate (LE) was provided to the borrower and the consummation of the loan
• When re-disclosure of the LE is required, Monday, November 12, 2018 cannot be included in the four (4) business day waiting period between the date the revised LE was provided to the borrower and the consummation of the loan
• When re-disclosure of the Closing Disclosure (CD) is required, Monday, November 12, 2018 cannot be included in the three (3) business day waiting period between the date the revised CD was provided to the borrower and the consummation of the loan

Issues related to locks should be sent via email to lockdesk@carringtonms.com.