§ 1026.32 Requirements for high-cost mortgages.
ii) of this section, as applicable, incurred by the consumer if the consumer refinances the existing mortgage
- 1026 (Regulation Z)
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§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.
A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification
- 1026 (Regulation Z)
Comment for 1026.17 - General Disclosure Requirements
Also referred to as payment-escalated mortgages, these mortgage plans involve scheduled payment increases
- 1026 (Regulation Z)
Comment for 1026.18 - Content of Disclosures
finance charge computed by application of a rate to the unpaid balance (for example, mortgages with mortgage-guarantee
- 1026 (Regulation Z)
Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans
1) requires creditors to establish an escrow account for payment of property taxes and premiums for mortgage-related
- 1026 (Regulation Z)
Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans
appraisal copy be provided three business days before consummation, does not apply to higher-priced mortgage
- 1026 (Regulation Z)
Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)
the term “homeowner's insurance” means the amounts identified in § 1026.4(b)(8); and the term “mortgage
- 1026 (Regulation Z)
§ 1026.41 Periodic statements for residential mortgage loans.
If a mortgage loan has a billing cycle shorter than a period of 31 days (for example, a bi-weekly billing
- 1026 (Regulation Z)
Comment for 1026.34 - Prohibited Acts or Practices in Connection With High-Cost Mortgages
For closed-end mortgage transactions that are not subject to RESPA, the counseling certification must
- 1026 (Regulation Z)
§ 1026.18 Content of disclosures.
(i) The term “adjustable-rate mortgage” means a transaction secured by real property or a dwelling for
- 1026 (Regulation Z)
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.
creditor shall not pay a contractor under a home improvement contract from the proceeds of a high-cost mortgage
- 1026 (Regulation Z)
§ 1026.43 Minimum standards for transactions secured by a dwelling.
(A) An adjustable-rate mortgage, as defined in § 1026.18(s)(7)(i), with an introductory fixed interest
- 1026 (Regulation Z)
§ 1026.43 Minimum standards for transactions secured by a dwelling.
(B) The qualified mortgage is sold, assigned, or otherwise transferred to a creditor that satisfies the
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
percent, which is the interest rate in effect at the time of consummation of this fixed-rate non-standard mortgage
- 1026 (Regulation Z)
Comment for Appendix H - Closed-End Forms and Clauses
illustrates the introductory rate disclosure required by § 1026.18(s)(2)(iii) for an adjustable-rate mortgage
- 1026 (Regulation Z)
Appendix Q to Part 1026 — Standards for Determining Monthly Debt and Income
portion of earnings not attributed to commissions would be sufficient to qualify the consumer for the mortgage
- 1026 (Regulation Z)
Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans
A creditor may make a mortgage loan that will be transferred or sold to a purchaser pursuant to an agreement
- 1026 (Regulation Z)
§ 1026.33 Requirements for reverse mortgages.
charges to the consumer, including the costs of any annuity the consumer purchases as part of the reverse mortgage
- 1026 (Regulation Z)
§ 1026.41 Periodic statements for residential mortgage loans.
(A) Mortgage loans voluntarily serviced by the servicer for a non-affiliate of the servicer and for which
- 1026 (Regulation Z)
§ 1026.43 Minimum standards for transactions secured by a dwelling.
(ii) The balloon-payment qualified mortgage is sold, assigned, or otherwise transferred to a creditor
- 1026 (Regulation Z)
Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)
The items disclosed under § 1026.37(f) include services that the creditor or mortgage broker require
- 1026 (Regulation Z)
Comment for 1026.41 - Periodic Statements for Residential Mortgage Loans
For purposes of § 1026.41(f), a consumer who has reaffirmed personal liability for a mortgage loan
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
A mortgage that only requires the payment of accrued interest each month does not meet the requirements
- 1026 (Regulation Z)
Comment for Appendix H - Closed-End Forms and Clauses
rate and payment summary table required under § 1026.18(s) for an adjustable-rate or a step-rate mortgage
- 1026 (Regulation Z)
Appendix Q to Part 1026 — Standards for Determining Monthly Debt and Income
applies, and the debt must be included in the underwriting analysis, if an individual applying for a mortgage
- 1026 (Regulation Z)