The Loan Estimate. Replacer of the Good Faith Estimate and the Initial Truth-in-Lending Statement. The Closing Disclosure. Replacer of the HUD Settlement Statement and the final Truth-in-Lending Disclosure. Consistency, conformity, and clarity. That’s what these two critical tools in the mortgage loan originator’s toolbox deliver. So how well do you know them? Well, similar to how a physician needs to know how to properly use a tongue depressor, the NMLS National Exam requires you to be intimately familiar with these two critically important tools of your trade. The TRID – Part II training video is just what the doctor ordered!