Fill out HUD Good Faith Estimate (GFE) online
The Good Faith Estimate (GFE) is a HUD-mandated form that provides borrowers with an estimate of settlement charges they are likely to pay at closing. While replaced by the CFPB Loan Estimate for most transactions after October 2015, the GFE is still used for reverse mortgages (HECMs) and certain other transactions not covered by the TILA-RESPA Integrated Disclosure (TRID) rules.
How to fill out HUD Good Faith Estimate (GFE)
Review loan summary
Check the loan amount, interest rate, loan term, and monthly payment at the top of the form. Note whether the rate is fixed or adjustable and how long the rate lock is valid.
Examine settlement charges
Review the itemized settlement charges in Blocks 1-11, including origination charges, title services, government recording charges, and transfer taxes.
Compare with other lenders
Use the GFE "Shopping Chart" section to compare key figures (loan origination charge, interest rate, settlement charges) side-by-side with estimates from other lenders.
Understand tolerance limits
Note which charges cannot change at closing, which can increase by up to 10%, and which can change without limit. This helps you identify unexpected charges at settlement.
About HUD Good Faith Estimate (GFE)
Who needs this form
Lenders prepare the GFE for borrowers applying for reverse mortgages (HECMs), home equity lines of credit (HELOCs), and other transactions not covered by TRID rules. For standard purchase and refinance mortgages, the CFPB Loan Estimate has replaced this form.
Where to submit
The lender provides it to the borrower within 3 business days of receiving a loan application. The borrower retains it for comparison with the final settlement statement. It is not filed with any government agency.
Source and content freshness
- Filing deadlines may shift for weekends and holidays. Verify due dates with official instructions.
Common mistakes to avoid
- Not comparing the GFE to the final HUD-1 Settlement Statement to verify charges are within tolerance
- Ignoring the "Important dates" section, which shows how long the interest rate and estimate are valid
- Not shopping around - the GFE is designed to help borrowers compare offers from different lenders
- Confusing the GFE with the CFPB Loan Estimate (which replaced it for most standard transactions)
Frequently asked questions
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Has the Good Faith Estimate been replaced?
For most residential mortgage transactions, yes. The CFPB Loan Estimate replaced the Good Faith Estimate on October 3, 2015, as part of the TILA-RESPA Integrated Disclosure (TRID) rules. However, the GFE is still required for reverse mortgages (HECMs), home equity lines of credit (HELOCs), and other transactions not covered by TRID.
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