Martin Luther King, Jr. Holiday

Carrington Mortgage Services, LLC (CMS) is closed Monday, January 21, 2013 for Martin Luther King Day, which is a Federal Holiday.
The Lock Desk will be closed on Monday and normal lock hours will resume on Tuesday, January 22, 2013.
As a reminder, pursuant to the Lock Policy all lock extensions need to be requested prior to their expiration. If a lock expires on Monday, January 21, 2013, it will need to be extended no later than Friday January 11, 2013.
In addition there are some important disclosure considerations associated with the holiday.

• Monday, January 21, 2013 cannot be included in the rescission period for refinances.
• Monday, January 21, 2013 cannot be included in the seven (7) business day waiting period between the date the initial TIL was provided to consummation.
• When re-disclosure of the TIL is required, January 21, 2013 cannot be included in the three (3) day business waiting period between the date the revised TIL was provided to the borrower and the consummation of the loan.