Appendix H to Part 1026 — Closed-End Model Forms and Clauses
H-25(I) Mortgage Loan Transaction Closing Disclosure - Modification to Closing Disclosure for Disclosure
- 1026 (Regulation Z)
Search for terms in the sections, interpretations, and appendices in the Bureau regulations we currently have online.
H-25(I) Mortgage Loan Transaction Closing Disclosure - Modification to Closing Disclosure for Disclosure
Any delay of consummation of the new high-cost mortgage beyond the payment due date of the existing loan
(the 2017 TILA-RESPA Amendments) is mandatory with respect to transactions for which a creditor or mortgage
When a creditor holds a mortgage or deed of trust on the consumer's dwelling and that mortgage or deed
In calculating the maximum loan amount for an adjustable-rate mortgage that is a negative amortization
(v) includes these recurring property taxes in the evaluation of the consumer's monthly payment for mortgage-related
payment for the new loan is “materially lower” than the monthly payment for an existing non-standard mortgage
term “fully indexed rate” in § 1026.43(d)(5)(i)(A) for calculating the payment for a non-standard mortgage
The total annual loan cost rate for a reverse mortgage transaction must be determined by first solving
“covered transaction” (defined in § 1026.43(b)(1)), but (2) meets the criteria for a qualified mortgage
1026.32 at least three business days prior to consummation or account opening of a high-cost mortgage
payments that the consumer will receive from an annuity that the consumer purchases as part of the reverse mortgage
A creditor that extends a high-cost mortgage shall not steer or otherwise direct a consumer to choose
Except as provided in paragraph (e)(3)(iii) of this section, a covered transaction is not a qualified mortgage
H-25(H) Mortgage Loan Transaction Closing Disclosure - Modification to Closing Cost Details - Model Form
Charges that take account of some but not all reductions in principal, such as mortgage guarantee insurance
section when, as a result of a merger, corporate acquisition, or reorganization, the ownership of a mortgage
servicer satisfies paragraph (e)(4)(ii)(A) of this section, the servicer is evaluated based on the mortgage
the Bureau, and the link or uniform resource locator address to the Web site: www.consumerfinance.gov/mortgage-estimate
(i) For an adjustable-rate mortgage, as defined in § 1026.18(s)(7)(i), the expiration of the period
(iv) The balloon-payment qualified mortgage is sold, assigned, or otherwise transferred pursuant to a
H-27(B) Mortgage Loan Transaction - Sample of Written List of Providers Description: This is a sample
An example of a third-party charge included in the finance charge is the cost of required mortgage insurance
, other than a fee for obtaining a consumer's credit history, until the consumer receives the early mortgage
For example, the assumption clause commonly used in mortgages sold to the Federal National Mortgage Association