When can the delivery method for initial disclosures be changed?

The delivery method for initial disclosures can be changed with the borrower's agreement. This is rooted in the understanding of consumer rights and the importance of ensuring that the borrower is comfortable and informed throughout the mortgage process.

In practice, when a loan officer or mortgage lender initially presents disclosures, they typically select a delivery method—such as electronic delivery or hard copy mail. However, if the borrower prefers a different method after the initial disclosures have been issued, their request can be accommodated as long as both parties communicate and agree on the change. This flexibility not only enhances the borrower’s experience but also aligns with regulations intended to protect consumer rights.

The other options suggest either an inflexibility regarding the delivery method or limitations based on internal policies, which do not reflect the practical reality that borrower consent is key in determining how disclosures are delivered.