IDTBS - Initial Disclosures To Be Signed
The definition of mortgage term: Initial Disclosures To Be Signed
IDTBS stands for Initial Disclosures To Be Signed. The Initial Disclosures reflecting the loan application, GFE, TIL, federal and state disclosures which are required to be signed by the borrower before submitting to underwriting. Hence, the initial disclosures, to be signed, because at the IDTBS point, they are not yet signed.
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