*EXCEPTION: ITG will permit certificates to be issued in CAP on or after January 1, 2021 provided that the certificate is based on a commitment which was issued in CAP prior to January 1, 2021 (“Existing CAP Transactions”). ITG will honor the Transaction Quotes generated in CAP prior to January 1, 2021 for Existing CAP Transactions.
If you anticipate a CERTIFICATE WITH NO COMMITMENT being issued on or after January 1, 2021 you must disclose the January 1, 2021 rates on the Loan Estimate and collect the appropriate premium on the Closing Disclosure at the time of closing.