Disclosure: . Cost of Borrowing: What is it? How should it be disclosed? Where does it have to be disclosed? What has to be disclosed to the client in the borrower disclosure document? When does the disclosure have to be made? What goes in the fees section? Can you say that the fees are approved by the FSRA, or under the MBLAA? Can you estimate the lawyer's fees if you don't know the exact amount? (yes) What risks do you have to disclose? What about if the client is being offered a cashback option, where does that get disclosed? What about NSF fees? If they are going to be charged, where does that get disclosed? If the agent is going to get a commission from the lender, does this have to be disclosed? If so, how and where? What about prepayment privileges? Does this have to be disclosed? If so, where? Is the disclosure document a contract? What happens if the client signs it, are they now bound by the contract? When must they sign it? Is there a waiting period? How does that work? If the lender is a private lender, what type of disclosure must you give to the private lender? What must you also provide? (proof of value of property) arch