Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
The transaction will meet the definition of a qualified mortgage if the creditor underwrites the loan
- 1026 (Regulation Z)
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§ 1026.31 General rules.
A creditor or assignee in a high-cost mortgage, as defined in § 1026.32(a), who, when acting in
- 1026 (Regulation Z)
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.
Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted
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§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.
A payoff statement, as described in paragraph (a)(9)(i) of this section, for a high-cost mortgage shall
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§ 1026.35 Requirements for higher-priced mortgage loans.
(B) An area is “underserved” during a calendar year if, according to Home Mortgage Disclosure Act (HMDA
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§ 1026.41 Periodic statements for residential mortgage loans.
a breakdown showing how much, if any, will be applied to principal, interest, and escrow and, if a mortgage
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§ 1026.41 Periodic statements for residential mortgage loans.
In addition to any other provisions of this paragraph (f) that may apply, with regard to a mortgage loan
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§ 1026.43 Minimum standards for transactions secured by a dwelling.
(A) A creditor or assignee of a qualified mortgage, as defined in paragraph (e)(2), (e)(4), (e)(5), (
- 1026 (Regulation Z)
Appendix H to Part 1026 — Closed-End Model Forms and Clauses
H-25(D) Mortgage Loan Transaction Closing Disclosure - Borrower Satisfaction of Seller's Second-Lien
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Appendix H to Part 1026 — Closed-End Model Forms and Clauses
H-27(A) Mortgage Loan Transaction - Written List of Providers - Model Form Description: This is a blank
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Comment for 1026.17 - General Disclosure Requirements
to conditions in the due-on-sale clause contained in the loan document, assume the remainder of the mortgage
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Comment for 1026.17 - General Disclosure Requirements
In a mortgage transaction subject to § 1026.19(a)(1)(i), the creditor must disclose the notice contained
- 1026 (Regulation Z)
Comment for 1026.20 Disclosure Requirements Regarding Post-Consummation Events
new disclosures are required when the variable-rate feature is invoked on a renewable balloon-payment mortgage
- 1026 (Regulation Z)
Comment for 1026.20 Disclosure Requirements Regarding Post-Consummation Events
An adjustable-rate mortgage, as defined in § 1026.20(c)(1)(i), is a variable-rate transaction as
- 1026 (Regulation Z)
Comment for 1026.20 Disclosure Requirements Regarding Post-Consummation Events
An adjustable-rate mortgage, as defined in § 1026.20(d)(1)(i), is a variable-rate transaction as
- 1026 (Regulation Z)
Comment for 1026.33 - Requirements for Reverse Mortgages
All costs and charges to the consumer that are incurred in a reverse mortgage transaction are included
- 1026 (Regulation Z)
Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)
1026.37(c)(1)(i), the periodic payment is the regularly scheduled payment of principal and interest, mortgage
- 1026 (Regulation Z)
Comment for 1026.39 - Mortgage Transfer Disclosures
For example, if a covered person acquires a mortgage loan on March 15, the disclosure must be mailed
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Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
loan, after paying his or her monthly payments for the covered transaction, any simultaneous loans, mortgage-related
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Comment for Appendix K - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions
The computation of the total annual loan cost rate is based on the assumption that the reverse mortgage
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Appendix Q to Part 1026 — Standards for Determining Monthly Debt and Income
creditor must verify that the consumer will have sufficient income or cash reserves to support the mortgage
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Comment for 1026.18 - Content of Disclosures
the same estimate for taxes and insurance except that the estimate should reflect changes in periodic mortgage
- 1026 (Regulation Z)
Comment for 1026.41 - Periodic Statements for Residential Mortgage Loans
41(f)(3)-1.ii for a discussion of the treatment of a bankruptcy plan that modifies the terms of the mortgage
- 1026 (Regulation Z)
§ 1026.18 Content of disclosures.
date on which the increase will occur, labeled as “first adjustment” if the loan is an adjustable-rate mortgage
- 1026 (Regulation Z)
§ 1026.18 Content of disclosures.
For an amortizing adjustable-rate mortgage, if the interest rate at consummation is less than the fully-indexed
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