Under HUD guidelines all lenders through establish escrow companies are required to provide preliminary closing statements for a given real estate transaction to the buyer and seller to review with the estimated closing date.Likewise the lender is required to provide the borrower with the Truth in Lending Disclosure as well as all loan documents well before close of escrow. Under federal law, all borrowers have a 3 day time period to cancel the loan after signed.I suggest that you consult with a real estate attorney about any further questions that you may have concerning the matter you are writing about.