Under RESPA, a lender is required to provide a borrower a:

Under the Real Estate Settlement Procedures Act (RESPA), a lender is mandated to provide a borrower with a good faith estimate of settlement costs and a HUD book, which contains detailed information about settlement procedures and the costs involved. This requirement aims to ensure transparency in the borrowing process, making it clear to borrowers what costs they can expect at closing.

The good faith estimate outlines important details like anticipated fees for services related to the mortgage transaction, enabling borrowers to make informed decisions and compare costs between different lenders. The HUD book, officially known as "Your Home Loan Toolkit," provides vital information regarding the loan process, helping borrowers understand their rights and the responsibilities of the lender throughout the transaction. Together, these components fulfill RESPA's objective of fostering an informed and empowered borrower.

The other options present aspects related to real estate transactions but do not directly meet the specific disclosure requirements outlined in RESPA. For instance, the right to rescind typically applies to refinances under the Truth in Lending Act rather than RESPA. Advertising materials are not mandated disclosures for loan agreements, and while the annual percentage rate (APR) is essential information, it is not part of the disclosures required specifically by RESPA. Thus, the answer that accurately reflects the requirements under RESPA is the