Need some guidance on this one...

Customer is purchasing a mixed use property with plans to make the upper level his primary residence and use the ground level for his business. The loan will be in the name of the business which is owned by the customer, and he will also be a guarantor.

My first instinct is that this is a loan to an entity so TRID would not apply, but the fact that this will also be his primary residence makes me question whether or not TRID does apply.

Any advice?

If the loan is to a non-natural person (other than possibly a trust), it's exempt from Reg. Z in its entirety.

But, if deemed for a consumer purpose, not exempt from RESPA.

I also have a question too.

We do a lot of Amish lending both commercial and residential.

Loan in name of consumer. They are purchasing a property that includes a primary residence and out buildings for business purposes. It has been deemed that the business purpose buildings exceeds the residence in "square feet" so it has been put in as a commercial loan. Does TRID apply.