If we are doing a refi on a farm with a homestead located on it and it is FSA guaranteed we don't have to do TRID correct since this would be considered a commercial loan correct.
It may depend on the exact details behind the loan, but probably not. As Comment 3(a)-8 of Regulation Z states, “The [agricultural] exemption also applies to a transaction involving real property that includes a dwelling (for example, the purchase of a farm with a homestead) if the transaction is primarily for agricultural purposes.” Remember, you look at the purpose of the loan, not necessarily the purpose of the collateral.
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