landtech xml frequently asked questions-a xml frequently asked questions.pdffrequently asked...
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Landtech GFE HUD FAQ The following is a compilation of the most common and frequently asked questions regarding data entry into the new GFE HUD received since the release of Landtech XML.
800 Section Q. I am unable to access the Offset Credit selections in the dialog box for line 801. How do a get access to them? A. The Offset Credits are controlled from line 802. Open the dialog box for line 802 selection. The selections will translate to line 801.
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Q. I have made entries on lines 801 and 802. The amounts are showing outside (to the left) of the charge column on both lines. How do I get the charges to show in the charge column? A. The new regulations require charges on lines 801 and 802 to show outside the charge column (to the left of the charge column) and never in the charge column. Line 803 is the total of lines 801 and 802 and is shown in the charge column. Q. My question regards YSP (yield spread premium). My broker says we need to show a charge to the buyer for the yield spread premium and then show a credit from the lender. How do I show the yield spread premium correctly on the new GFE HUD? A. Here are a couple of ways you can show it.
1. Enter the yield spread premium on a blank line in the 800 section as a GFE 3 charge. Enter it in the Lender POC field only and then click on the Lender Deposited and Disbursed check box. This shows the charge in the Borrower(s) charge column and also shows the Lender POC in the POC column. In addition, it creates a credit on line 802 to offset the charge to the borrower. Make sure the Apply LD POCs check box is checked in the dialog box for line 802. If it is not checked, this entry will result in a credit to the borrower on line 204 on page 1 instead of line 802. You may also elect not
2. Enter the yield spread premium on a blank line in the 800 section as a GFE 1 charge. Enter it in the Lender POC field only and then click on the Lender Deposited and Disbursed check box. This will show the Lender POC in the POC column on the line you entered it on however, it will not show in the
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Borrower’s charge column on that line. Instead, the yield spread premium will be added to line 801. A credit will be given on line 802 to offset the increase in line 801. Make sure the Apply LD POCs check box is checked in the dialog box for line 802. If it is not checked, this entry will result in a credit to the borrower on line 204 on page 1 instead of line 802. With this method you can elect to not itemize the charge on page 2 if the lender requests that you not show it. This cannot be done with a GFE 3 charge.
These are examples of how the Yield Spread Premium can be shown. There may be other ways to show it as well depending on lender requirements. Therefore, you will want to follow the lenders instructions on how to show the Yield Spread Premium. Q. I am trying to enter an amount on line 801 and 802. When they combine and put the total on line 803, the description on line 801 disappears and is replaced with **. How do I override this? I need a description on line 801? A. The ** on line 801 and *** on line 802 indicates that there are footnotes at the bottom of the HUD for both lines 801 and 802. You will not see them on the screen but you will see them on the printed HUD. If you need a description for line 802, it has to appear as a footnote at the bottom of the page since there is no room to print one on line 802. If you have a footnote entered for line 802, the program will automatically create footnotes for both 801 and 802 at the bottom of the page. According to the regulations, this is acceptable. To get a description to print on line 801 delete the footnote for line 802.
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You will need to open the dialog box for line 802 to do that. There is a field in the middle of the dialog box called Line 802 Footnote. Delete the footnote and leave that field blank. Your line 801 description will then print on line 801.
900 Section Q. I entered all the required information for 2 days negative interest, but the interest credit does not show on line 901. How do I fix this? A. Open the dialog box for line 901 and click on the override flag for both the Interest From and Interest To dates. Make sure the flags are red for both dates. That will cause the interest credit to appear on line 901.
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1100 Section Q. How do I enter information in the 1100 Section on page 2 of the HUD? A. Line 1101 shows the total of all title service fees including the lender’s title insurance premium. However, you do not enter a total and in most transactions you will not input on line 1101. First, enter the lender’s title premium on line 1104. Then enter your other title service fees on lines 1102 and/or other blank lines in the 1100 section. Make sure you select GFE 4 for the charges. The program will total all GFE 4 charges, including the lender’s title premium, and show a total on line 1101 of all GFE 4 charges. You enter the owner’s title premium on line 1103. The owner’s title premium is a GFE 5 charge and is displayed in the column on line 1103. There is a video available in Landtech Media TV that demonstrates how to enter charges in the 1100 section. To view the video, click on Help on the menu bar in Landtech and select Landtech Media TV. It is at the top and is entitled Entering 1100 Title Service Fees. Q. How do I get the charges I entered in the 1100 section to be included in the total amount on line 1101? A. Open the dialog box for each charge and make sure you have GFE 4 selected for the GFE number and the Show Outside Borrower Column option selected. Line 1101 is the total of all GFE 4 charges so the charge must be designated as GFE 4 to be included in line 1101. The charge must also show outside the charge column (to the left) in order for it to be included. If the
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charge is in the charge column, it cannot be added to line 1101 which results in the borrower being charged twice.
Q. The lender has requested that we move our title service fees on page 3 from the Charges That In Total Cannot Increase More Than 10% section to the Charges That Can Change section. However, they still need to show in the 1100 section of page 2. Can that be done? A. Yes. Open the dialog box for each of the 1100 section charges needed and click on the Borrower Selected check box. That will move the charges to the Charges That Can Change section.
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Then click on the GFE button on the toolbar. This will display the GFE HUD Totals dialog box. Uncheck the Total check box for GFE 4 and GFE 5. This will ensure nothing is left in the 10% section. The 1100 section charges will now be in the Charges That Can Change section. They will be listed separately and not as a total of line 1101. If the lender instead wants to see a total for line 1101 do the following. Once again click on the GFE button on the toolbar to open the GFE HUD Totals dialog box. This time click on the Display Itemization Options button. Then click on the Do Not Itemize HUD‐3 check box for GFE 4B. This will cause a total to be shown for line 1101 instead of listing each 1100 charge separately in the Charges That Can Change section.
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Q. We need to reflect that the borrower chose the title agent. When we check the Borrower Selected check box to move the title charges to the Charges That Can Change section of page 3, the actual charge moves down to that section, but the GFE amount for these charges still shows in the Charges That In Total Cannot Increase More Than 10% section. How do we remove the charges completely from the 10% section? A. Click on the GFE button on the toolbar. This will display the GFE HUD Totals dialog box. Uncheck the Total check box for GFE 4 and GFE 5. This will completely remove the charges from the 10% section. Q. How do I move the owner's title premium from the Charges That In Total Cannot Increase More Than 10% section on page 3 to the Charges That Can Change section.
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A. Open the dialog box for line 1103 and click on the Borrower Selected check box. That will move the owner's premium to the Charges That Can Change section of page 3. Q. I want lines 1103 and 1104 for owner’s and lender’s title insurance to show both our company name and the underwriter’s name. However, on line 1107 I just want our company name to show and on line 1108 I just want the underwriter’s name to show. Is there a way to do that? A. Yes. There is a system setting which will accomplish this. Click on Settings on the menu bar and select Options. On the dialog box that is displayed, click on the Global Settings button. Scroll down to item 17, Print/Show Underwriter on HUD Line 1103/1104. Click on it and you will see the selections to the right. Click on PayTo/Underwriter. Click Save. Then, of course, you must select your company as the payee in the Payable To/From field and the underwriter in the Policy Underwriter field in the dialog box for the title insurance.
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Q. The endorsements are adding to the owner’s title premium instead of the lender’s title premium. How do I make them add to the lender’s title premium? A. You must make sure that the endorsements are specified as lender endorsements. To do that, go to the Endorsements screen and make sure the amount in the Amount column has an L suffix as in 50L. Without the L, the program considers the endorsements as owner endorsements and they will get added to the owner’s premium on line 1103 instead of to the lender’s premium on line 1104 and subsequently line 1101. The total of the endorsements will show on line 1109.
Q. I have selected three endorsements. However, line 1109 simply says “Endorsements” and shows the total charge for the endorsements. How do I show the breakdown of the endorsements I’ll be issuing?
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A. The new regulations specify endorsements are to be included in the title premiums at lines 1101/1104 and line 1103 and are no longer itemized on the HUD. We do, however, provide an option to show the lump total of endorsements at line 1109. For the full detail of endorsements we have provided a Title Insurance and Endorsements Report. This is available from the Forms menu on the menu bar. It is called Title Insurance and Endorsements Report. It is also on the Print dialog box where you print the HUD. You may select this when you print the HUD.
Q. Why does the 1100 Series Income Report lack a check box for the settlement fee on line 1101? A. The settlement fee is now line 1102. Line 1101 is now the total for the entire 1100 section. That is why there is no selection for 1101. You need to select 1102 for the settlement fee. Non GFE/
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HUDs that have the settlement fee on line 1101 will be included in the 1102 selection.
Paid Outside Closing Q. When we enter a charge as a Buyer POC with a balance owed in the borrower’s charge column (example $400.00 is POC and $50.00 is due at settlement), Landtech creates a credit on line 204 for the $400.00 POC amount. We don't want this credit on line 204. Is there some way around this? A. There are several ways to enter POC charges. You must make the proper entry to get the desired result. In this example, you enter the total amount of the charge, 450, in the Buyer Amount field. Then enter the amount paid outside closing of 400 in the Buyer POC field. Finally, click on the Figure POC in Column check box. This will make the calculation for the amount remaining to be collected. The $50 charge will show in the Borrower's charge column, the $400 POC will show in the POC column and there will be no credit on page 1.
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HUD Page 3 Q. The lender wants all fees listed outside the columns on page 3 to be removed. They just want to see the total of the charges in the columns without the itemization to the left of the column. How do I do this? A. There are two ways to do this. One way is opening the dialog box for each charge and click on the No Itemization HUD‐3 check box.
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The other way is to click on the GFE button on the toolbar. This will display the GFE HUD Totals dialog box. Click on the Display Itemization Options button. You will see the options for itemizing the charges on page 2 and page 3. Click on the Do Not Itemize on HUD‐3 check box for each GFE section that needs to have the itemization removed.
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Q. HUD page 3 is not showing the actual dollar amount or % increase on the line that says Increase between GFE and HUD‐1 Charges in the Charges That In Total Cannot Increase More Than 10% section. There is a difference so why doesn’t it show? A. This is due to the difference being considered a negative increase. This is when the total of the GFE column is greater than the total of the HUD‐1A column. A negative increase is not required to be shown. The program defaults to showing zero for a negative increase. A difference will only be shown if it is positive because this is when a potential violation can occur. That is when the total of the HUD‐1 column is greater than the total of the GFE column. However, some lenders have wanted the negative increase shown. If that is the case with your lender, there is an option to
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show it. Click on the GFE button on the toolbar. This will display the GFE HUD Totals dialog box. Click on the Print Negative Increase on HUD‐3 check box. That will make the program show the negative increase.
Q. The lender is requesting that the section titled Charges That in Total Cannot Change More Than 10% on page 3 show the difference when it is negative. Right now it shows zero. How do I do that?
A. Click on the GFE button on the toolbar. That will display the GFE HUD Totals dialog box. Click on the Print Negative Increase on HUD‐3 check box. This will make the program show the negative increase.
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Q. How do I get a $150 Appraisal Review Fee to show in the GFE column on page 3 of the HUD but not in the HUD‐1 column? In other words, it was disclosed on the GFE but it is not being charged on the HUD? A. Open the dialog box for the particular line item. Enter the amount quoted on the GFE in the GFE field. The program will automatically enter this amount in the Quick Charge Entry field. However you can change it. Click in the Quick Charge Entry field and enter 0 (zero). Enter the description for the charge in the Charge Description field. Entering the charge in this manner will show an amount in the GFE column and nothing in the HUD‐1 column on page 3.
Q. If we enter the amounts from the Good Faith Estimate in the GFE HUD Totals dialog box, the individual charges that make up that total show to the left of the columns on page 3. Only the
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total is shown in the columns. The lender wants the individual charges to show in the columns, not the total. How do I do that? A. If the Total check box is checked on the GFE HUD Totals dialog box for a particular GFE section, a total for the section will show in the columns and the charges that make up that total will be itemized to the left of the columns on page 3. If the Total check box is not checked, a total is not shown and the charges will be itemized in the columns. Therefore, in this case, you would click on the GFE button on the toolbar to open the GFE HUD Totals dialog box and uncheck the Total check box for the section that you want to itemize in the columns. However, when you uncheck the Total check box, the GFE amount for each charge defaults to the actual charge entered for that line. If the GFE amount is not the same as the actual charge, you need to open the dialog box for that charge and enter the amount quoted on the GFE in the GFE field. Do not change the actual amount. Q. Page 3 is showing the charges for items such as the appraisal, credit report, flood certification, etc. combined into a lump sum total in the columns and the charges itemized to the left of the columns. The lender is requesting that each charge be shown separately in the columns and not as a total. How do I make the system do that?
A. Click on the GFE button on the toolbar. The GFE HUD Totals dialog box will be displayed. Uncheck the Total check box for GFE 3. This will move the charges into the columns.
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Q. I had to show $315 in the GFE column on page 3 and zero in the HUD‐1 column for owner’s title insurance. However, the $315 amount in the GFE column shows as a red (negative) figure. Why is it red and what does it signify? A. When the amount is shown in red in the GFE column, it does not represent a negative amount and does not subtract from the total of the GFE column. The GFE amount always shows in red when there is no amount in the HUD‐1 column. It is nothing more than an indicator so you will notice it in case it is something you need to correct. You made the entry correctly the first time with $315 showing in red in the GFE column and nothing showing in the HUD‐1 column. Q. How do you get a GFE amount to appear on page 3 when the actual amount to be paid is zero? For instance, the lender
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disclosed a $600 figure for Homeowner’s Insurance on the Good Faith Estimate, but we are not charging for homeowner’s insurance. A. Open the dialog box for the charge on page 2, in this case Homeowner's Insurance, and enter the amount quoted on the Good Faith Estimate in the GFE field. Then enter 0 in the Quick Charge Entry field as the actual charge. The charge will be disclosed on page 3 showing the amount quoted on the GFE in the GFE column and nothing in the HUD‐1 column.
Q. The lender quoted a charge on the GFE but there was no actual charge for it on the HUD. I have made the proper entry to show an amount in the GFE column on page 3 and no actual charge in the HUD‐1 column, however, the lender wants me to show 0 in the HUD‐1 column instead of it being blank. How can I make a zero print in the HUD‐1 column?
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A. Click on the GFE button on the toolbar. That will display the GFE HUD Totals dialog box. Check the box labeled Print Zero in HUD‐1 Column on HUD‐3. This will make 0 print in the HUD‐1 column. There is also a check box to print 0 in the GFE column called Print Zero in GFE Column on HUD‐3. You can select it also if necessary.
Q. I understand that a recent update introduced a new interactive HUD page 3. How do I access it? A. If you go to page 3 of the HUD on your screen, you will see a button at the top of page 3 called HUD‐3 Overrides. Click this button to access the interactive page 3.
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We recommend that you only use the interactive page 3 as a last resort in the event you are unable to make the original page 3 match your lender's page 3. Most everything can be accomplished with proper entries on page 2. However, if you need it, it is available. Be aware this is a completely separate page 3. When you first open it, it will have all the data from the original page 3. You may then modify all entries, however, the changes do not reflect on the original page 3. You will only see your changes on the interactive page 3. If you make changes on the interactive page 3, then that is the page 3 that will print when you print your HUD. This is done automatically. You do not have to select it. However, there are selections for both the original page 3 and the interactive page 3 on the Print dialog box. Expand the first selection, HUD GFE Pages, and you will see selections for both. You can print either one or both.
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Q. The lender wants me to itemize the appraisal fee, credit report and tax service fee under the GFE and HUD‐1 columns in the Charges That In Total Cannot Increase More Than 10% section of page 3. I believe that is wrong. I believe a total should show in the GFE and HUD‐1 columns with the individual charges itemized to the left of the columns which is how my page 3 shows now. What is the correct disclosure on page 3 and how do I move the charges into the columns if that becomes necessary? A. The HUD Guidance document addresses this only by saying that the charges must be itemized on page 3. It does not state whether the itemization is to be in the columns or to the left of the columns. Most of the lenders are requesting the itemization to be in the columns. You must follow the lender requirements. To get the charges into the columns, click on the GFE button on the toolbar. That will open the GFE HUD Totals dialog box. Uncheck
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the Total check box for GFE 3. That will move the charges into the columns. Q. We have been asked to move some fees from the Charges That In Total Cannot Increase More Than 10% section on page 3 to the Charges That Can Change section. How do I do this? A. Open the dialog box for each charge you need to move and click on the Borrower Selected check box. That will move the charges to the Charges That Can Change section of page 3.
HUD Page 3 ‐ Loan Terms Q. How do I enter the loan terms on HUD page 3? A. Open the New Loan Amount dialog box from line 202. That is where you enter the loan terms.
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You should also see a button on that dialog box called HUD 3 Loan Terms. That will open another dialog box which allows override calculations made by the program to help match the lender numbers for HUD page 3.
Q. How do I get the "X" inserted in the check box for Mortgage Insurance on the page 3 loan terms. A. Go to line 1003, Mortgage Insurance, and enter 0 months at $/month. The dollar amount you enter will be added to the initial payment and the Mortgage Insurance box will have an X in it.
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Q. When I enter the MIP amount into the escrows on the second page of the HUD, line 1003 Mortgage Insurance, it does not add the amount into the monthly payment on the 3rd page in the loan terms. A. Actually it does. It is just not where you think it should be. The MIP is added to the payment amount in the section called "Your initial monthly amount owed for principal, interest, and any mortgage insurance is" on page 3. Notice that the Mortgage Insurance box in that section has an X in it. And also notice the name of the section has "mortgage insurance" in it. This is where MIP gets added to the payment. If you take the MIP out of the escrows on page 2, you will notice that the payment amount in that section is reduced by that amount. The escrows are shown in the last box on page 3, "Total monthly amount owed including escrow account payments". The total payment in that section includes the MIP. The MIP is just shown in a different section. This is how HUD wants it shown under the new regulations. Q. My lender want me to show MIP (Mortgage Insurance Premium) added into the escrows in the "Total monthly amount owed including escrow account payments" section of the loan terms on page 3. How can I do that? A. If the lender wants the MIP to be included in the escrows, there is an option which enables this. Click on the GFE button on the toolbar. This will display the GFE HUD Totals dialog box. Click on the Include Mortgage Insurance in Escrow on HUD‐3 check box. This will add it to the escrow amount in that section. However, be aware that the total of the initial monthly payment listed in the
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"Your initial monthly amount owed for principal, interest, and any mortgage insurance is" section and the amount shown for the escrows will not equal the monthly payment shown in the "Your initial monthly amount owed for principal, interest, and any mortgage insurance is" section. The monthly payment is actually correct. It just does not equal the total of the initial monthly payment plus escrows. That is why this disclosure is incorrect. However, if that is what the lender wants, you can do it.
Q. I have a lender doing an adjustable rate loan. The first interest rate change date is 3/1/13 and the first payment change date is 4/1/13. The system is not letting me enter the 4/1/13 change date. It re‐enters 3/1/13. How can I fix this?
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A. On page 3 of the HUD, just above the loan terms is a button called New Loan Terms. If you click on that button, you will be presented with a screen that will enable you to override any of the loan terms on page 3. You can make the change there.
Q. How can I have the loan terms on HUD page 3 show the initial monthly payment as interest only and not put an X in the Principal box. A. Open the New Loan Amount dialog box from line 202 and enter I+0 (that's a zero, not the letter O) in the Payment ‐ P&I field just above the First Payment field. That is the macro code for interest only payments. The interest only payment will be computed and shown as the initial monthly payment in the loan terms on page 3. The Principal check box will be blank and the Interest check box will have an X in it indicating an interest only payment.
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Q. My lender wants me to show the breakdown of principal and interest on the initial monthly payment in the loan terms on page 3. Is there a way to do that? A. Yes. Click on the GFE button on the toolbar. That will open the GFE HUD Totals dialog box. Click on the Itemize Principal and Interest on HUD‐3 check box. You will now see what portion of the initial monthly payment is principal and what portion is interest on page 3.
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GFE Q. When I input the GFE fees into the GFE HUD Totals dialog box in Landtech, why are these fees not automatically inserted into the HUD? A. Because the amounts you enter there are the totals for each GFE section. The total can be made up of several charges. The program does not know which charges make up the total so it cannot enter the individual actual charges. The total amounts will show in the GFE field of the charge dialog boxes but you still must enter the actual charge. However, it is recommended that you do not enter the GFE amounts in the GFE HUD Totals dialog box. Just open the dialog boxes for each charge line and enter the actual charge. That amount will automatically be shown in the GFE field
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as well. If the GFE amount is different, you can change it in the GFE field. The GFE amounts on the GFE HUD Totals dialog box will take care of themselves if you enter data in this manner. Q. If a charge is disclosed on the Good Faith Estimate but the charge is normally paid by the seller, how do I show it on the HUD? A. According to the new regulations, if a seller charge is disclosed on the Good Faith Estimate, it must still be shown as a buyer charge on page 2. However, there must also be a credit to the buyer on page 1 to offset the charge and a charge to the seller on page 1 so that the charge remains a seller charge. The program is designed to take care of this automatically. Open the dialog box for the charge line that you are entering the charge on and enter the charge as a seller charge in the Seller Amount field. Then click on the Add to Borrower Credit from Seller check box. This will cause the charge to be moved to the buyer's charge column. A credit will be given to the buyer on line 209 and a charge will be shown against the seller on line 509 on page 1. All of this is done automatically. The end result is that the seller is still paying the charge. It is disclosed on page 1 instead of page 2.
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Borrower Costs Paid By Seller Q. Is there a way to automatically generate an itemization of the total amount of Borrower Costs Paid By Seller on lines 209/509 of HUD page 1? A. Yes. We have provided a report entitled HUD Page 1 Adjustments Report. You may view this on the screen by clicking on Forms on the top menu bar and selecting the report from the drop‐down menu. You may also print the report. It is a selection in the list of documents on the Print dialog box where you print the HUD from.
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The report lists all charges which make up the total on lines 209/509.
Q. My HUD has an amount showing on line 209/509. I don’t know where it came from and I cannot remove it. I need to remove it. How do I do that? A. If the seller is paying any of the borrower’s closing costs, the amount that the seller is paying is shown on lines 209/509. These are any charges from page 2 that have been marked as the seller paying for the borrower. In that situation, you cannot edit lines 209/509 directly. There is a report called the HUD Page 1 Adjustments Report that you may print to see which charges are included in that total. You can view it on the screen by clicking on Forms on the menu bar and selecting the report from the drop‐down menu. You can print it by going to the Print dialog box where you print the HUDs and selecting it to print. That will show you what charges you need to look at on page 2.
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Open the dialog box for each charge and see if either the Add to Borrower Credit from Seller or the Seller Paying Borrower Charge check box is checked. Make any needed. If you do not find any charges with those check boxes checked, then another place to examine is in both the Sales Price dialog box and the New Loan Amount dialog box. Open both of those dialog boxes and see if there is an entry for Portion of Costs Paid By Seller. This will also cause an entry on lines 209/509. Remove the entry if it is not supposed to be there.
Address Addendum Q. Why does an address page print with my new HUDs? A. Because under the new regulations it is required that an address addendum be printed if more than 1 buyer and/or 1 seller is involved in the transaction, even if they are husband and wife. The lenders may require this form. You are supposed to enter the address for the second person in the Seller or Buyer dialog box. You can duplicate the address of the first buyer or seller by clicking on the Buyer 2 or Seller 2 buttons. If there is only 1 seller and 1 buyer, the address addendum will not print as it is not necessary. Their addresses are already on the HUD. Q. How can I keep the address addendum page from printing when I print the HUD? A. The HUD Page 1 Address Addendum is a selection on the Print dialog box. You can deselect it when you print the HUD if you do not want it to print. When you go to the Print dialog box to print the HUD, expand the first item, HUD GFE Pages. You will see a selection for HUD GFE Page 1 Address Addendum. You can uncheck it and it won't print. In later versions of the program, the
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selection for the address addendum was added to the main document selection list just under HUD GFE Pages. Q. The address addendum page is not printing. How can I get it to print? The addresses are entered into the system just like they always have been. A. The address addendum only prints if there is more than 1 buyer or 1 seller. If you have only 1 buyer and 1 seller, it will not print. It is not necessary because their addresses are already printed on the HUD. It is only necessary when you have multiple buyers or sellers because the additional buyers and sellers addresses are not printed on the HUD.
General Questions Q. How do I convert an old HUD (non GFE HUD) to a new HUD (GFE HUD)? A. Open the closing file first. It will be in the old HUD format. Then click on File on the menu bar and select Convert to GFE HUD. That will perform the conversion to a new GFE HUD. Be sure you want to convert the file because once it is converted to a new GFE HUD, it cannot be converted back to an old non GFE HUD.
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Q. May I create signature lines for the parties on the 3rd page of the new HUD? A. Yes you may, however, a signature layout template is already available for page 3. When you go to the Print dialog box to print the HUD, you will see two fields near the middle of the dialog box. One is called Form and the other is called Selected Template. Click on the down arrow for Form and select HUD Page 3. Then click on the down arrow for Selected Template and select the layout template. That will give you signature lines. Q. Sometimes when we import a non GFE XML file it works properly and creates the closing file as a non GFE HUD. However, most of the time the closing file is created as a GFE HUD. Why is that? A. You must make sure you are in the old Landtech for Windows program when you do the import. If you are not sure what program you are in, close Landtech completely and reopen it. On the File Open screen, there is a button called Non GFE/HUD. Click on it and the old Landtech for Windows program will open. Then you can do the import.