Which two disclosures are now included within the loan estimate that were previously standalone disclosures?

The answer highlights the integration of two essential disclosures into the loan estimate that were previously provided separately. The servicing disclosure informs borrowers about how their loan may be serviced throughout its term, detailing aspects like potential loan transfer and payment processing. The right to receive a copy of the appraisal disclosure grants borrowers access to the appraisal conducted on the property, which helps ensure transparency and can influence their understanding of property value.

Combining these disclosures within the loan estimate streamlines the mortgage process, making it easier for borrowers to access critical information and understand their rights up front, thereby enhancing their decision-making capabilities before they finalize their loan transactions. This change reflects a shift toward greater clarity and efficiency in the loan application process, a goal shared by regulatory bodies in the mortgage industry.

The other options do not accurately represent the specific disclosures that have undergone consolidation into the loan estimate, which distinguishes the correct answer in terms of recent regulatory developments in mortgage lending practices.