Good Faith Estimate (GFE) is a form that lists basic information about the
terms of a mortgage loan for which a consumer has applied. The GFE includes the estimated costs related
to the home loan and provides basic information about the loan itself, which helps
lender or the mortgage broker must provide a GFE within three (3) business days
of receiving the loan application or other required information. Loan Fees
(except for credit report fees) cannot be charged until a GFE is received and
the borrower indicates that they plan to take out the home loan. GFE’s are considered private information and
cannot be provided to real estate agents without the client’s prior consent.
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