If your borrower is waiving escrow, estimated taxes and insurance payments do not need to appear on the Truth-in-Lending form.
However, Point 7.6 prints those two amounts on the TIL every time. If your borrower has waived escrow, there is a simple work-around to keep taxes and insurance from printing on the TIL in those situations.
All you need to do is remove them from page 2 and enter them on the Fees Worksheet instead.
If you want step-by-step instructions with screen shots, please visit our Knowledge Base article #755.