I am not clear on when the Loan Estimate is required on land loans. Currently there is the 25 acre exemption as well as land only with none of the proceeds used to finance the construction of a permanent residence. I understand that as of August 1, 2015, 25 acres is no longer an exemption, but if the purpose of the application is for a consumer to purchase a residential lot, none of the proceeds being used for construction of a permanent residence, is the Loan Estimate required?