Mortgage resources

Origination

• Ability to repay and qualified mortgages (ATR/QM)
• High cost mortgages (HOEPA)
• Home mortgage disclosure reporting requirements (HMDA)
• Rules governing mortgage appraisals and other written valuations under ECOA
• Rules governing appraisals for higher priced mortgages
• Rules governing escrows for higher priced mortgages
• TILA-RESPA integrated disclosures (TRID)

Licensing

• Rules governing loan origination practices
• Secure and fair enforcement of mortgage licensing (SAFE Act)

Servicing

• Rules on mortgage servicing

General

• Quality control standards for automated valuation models
• Real Estate Settlement Procedures Act (RESPA)

Some entities that do business in rural or underserved counties are exempt from certain regulatory requirements.

• Review the rural and underserved counties lists
• Use the rural and underserved areas tool

Lenders can use our find a housing counselor tool to meet RESPA requirements to generate a list of housing counseling agencies for each applicant.

• Locate housing counselors in your area