If you see an OLD GFE, you will see an OLD HUD.
If you see a NEW GFE, you will see a NEW HUD.
Some lenders, namely Wells Fargo, are already using the new GFE. We choose our HUD on a case by case basis depending on the type of GFE used.
The NEW GFE will be mandatory for RESPA covered transactions on January 1st.
We'll still be using the old style HUD for cash transactions and other transactions not subject to these RESPA guidelines.