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months and at six months and is fixed thereafter, where mortgage insurance is not required, and where no escrow

provides for a balloon payment as the final payment, where no mortgage insurance is required, and no escrow

documentation), disbursing funds, collecting mortgage payments and otherwise servicing the loan (e.g., escrow

payment or in two or more partial payments) sufficient to cover principal, interest, and, if applicable, escrow

time of consummation, to insurance companies for the cost of insurance, or to realtors for taxes and escrow

To the extent a loan originator requires that such insurance be part of an escrow account, the amount

insurance would terminate for purposes of § 1026.37(c)(1)(i)(C) in the third year, and where no escrow

Estimates of prepaid interest, property insurance premiums, and amounts placed into an escrow, impound

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