the real estate settlement procedures act requires the lender to give the borrower a) a loan estimate at the time of loan application or mail the loan estimate to the borrower within three business days. b) a closing disclosure and a special information booklet at the time of loan application or mail the closing disclosure to the borrower within three business days. c) a good-faith estimate of settlement costs. d) a closing disclosure at the time of loan application or mail the closing disclosure to the borrower within three business days.