The closing disclosure disclosed all of the following except?

The closing disclosure is a crucial document in the real estate transaction process, which outlines the final terms of a mortgage loan and the costs involved. It is designed to provide transparency and clarity to borrowers about the financial obligations they are undertaking.

The reason why rate lock information is not included in the closing disclosure pertains to the nature of what this document covers. The closing disclosure primarily focuses on the finalized details surrounding the loan, such as the loan amount, interest rate, monthly payments, and any applicable fees. Rate lock information, which indicates the duration a lender guarantees a specific interest rate for a borrower, is typically discussed earlier in the mortgage process and is not a required disclosure at the closing stage.

On the other hand, details such as the assumption of the mortgage loan, escrow account information, and negative amortization features are all pertinent to understanding the obligations and conditions tied to the mortgage at the time of closing, thus justifying their inclusion in this document.