Transcript: Sickle cell anemia is a genetic disease that affects hemoglobin, the oxygen transport molecule in the blood. The disease gets its name from to the shape of the red blood cells under certain conditions.
â¢ The MDS completion date (Item Z0500B) must be no later than 14 days from the ARD (i.e., ARD + 14 calendar days) and no later than 14 days after the determination that the criteria for a SCSA were met.
If they know that they lack the capacity to close an average refinance loan in under 30 days, they will not allow refinances to be locked for that time frame. Their minimum lock term may be 45 or 60 days.