HUD's FAQs - In Lieu of Providing a "Written List" of Providers, May the Loan Originator Disclose to the Borrower That if They Wish to Shop for Their Own Provider, but Have Difficulty They May Contact the Originator to Identify a Provider?

Compliance > Regulation X - RESPA > GFE and HUD-1 > HUD's FAQs
Q: In lieu of providing the "written list" of providers, may the loan originator disclose to the borrower that if they specifically wish to shop for their own provider, but have difficulty finding a provider for a service at the disclosed price that they may contact the loan originator to ask the loan originator to identify a provider?

A: No. Where a loan originator permits a borrower to shop for third party settlement services, the loan originator must provide the borrower with a written list of settlement service providers at the time of the GFE, on a separate sheet of paper.

This can be found in GFE-Written List of Providers – FAQ #6 of HUD’s FAQs.  HUD’s FAQs can be found at

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