Utah required documents

For high-cost mortgages, if points and fees exceed 8% of the loan amount, lenders must provide specific disclosures at least three business days before consummation (Utah Code § 61-2d-105). Additionally, at closing (or within three business days if by mail), lenders must give the borrower a complete set of all transaction documents at no cost (Utah Code § 61-2d-109). No additional state-specific documents are required at application.