Home loan offers should be easier to decipher come Oct. 3, when mortgage lenders must begin using new consumer disclosure forms that explicitly break down the costs and terms associated with a loan.  This is designed to make the loan process more transparent for consumers, but could result in slightly longer time-frames for closings.  The forms were created by the Consumer Financial Protection Bureau.  Before you apply for a home loan, click on the graphic above and check out the new rules, then call OWN THIS HOME TEAM for help with ALL of your real estate needs!