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Appendix H to Part 1026 — Closed-End Model Forms and Clauses

H-28(C) Mortgage Loan Transaction Loan Estimate - Spanish Language Refinance Sample Description: This

• • 1026 (Regulation Z)

Comment for 1026.42 - Valuation Independence

“Covered persons” include creditors, mortgage brokers, appraisers, appraisal management companies, real

• • 1026 (Regulation Z)

Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)

For example, the assumption clause commonly used in mortgages sold to the Federal National Mortgage Association

• • 1026 (Regulation Z)

Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling

Under § 1026.43(e)(5)(ii)(B), a qualified mortgage under § 1026.43(e)(5) may be sold, assigned

• • 1026 (Regulation Z)

Comment for 1003.2 - Definitions

purchase of the dwelling securing the existing obligation, if the resulting obligation is a closed-end mortgage

• • 1003 (Regulation C)

§ 1022.30 Obtaining or using medical information in connection with a determination of eligibility for credit.

(B) A consumer meets with a loan officer of a creditor to apply for a mortgage loan.

• • 1022 (Regulation V)

Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans

A creditor meets the rural-or-underserved test for any higher-priced mortgage loan consummated during

• • 1026 (Regulation Z)

Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans

transaction activity does not, the creditor satisfies this condition for exemption for a higher-priced mortgage

• • 1026 (Regulation Z)

Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans

creditor satisfies the criterion in § 1026.35(b)(2)(iii)(C) for purposes of any higher-priced mortgage

• • 1026 (Regulation Z)

Comment for 1024.38 - General servicing policies, procedures, and requirements.

For example, if a mortgage loan was originated on January 1, 2013, a servicer is not required by § 

• • 1024 (Regulation X)

Comment for 1026.41 - Periodic Statements for Residential Mortgage Loans

status if it retains a subservicer, as that term is defined in 12 CFR 1024.31, to service any of its mortgage

• • 1026 (Regulation Z)

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)

Comment for 1003.5 - Disclosure and Reporting

The following language is suggested but is not required: Home Mortgage Disclosure Act Notice The HMDA

• • 1003 (Regulation C)

§ 1024.2 Definitions.

the borrower's monthly income, the property address, an estimate of the value of the property, the mortgage

• • 1024 (Regulation X)

§ 1024.8 Use of HUD-1 or HUD-1A settlement statements.

used for transfer taxes, interest charges, reserves or escrow, or any type of insurance, including mortgage

• • 1024 (Regulation X)

§ 1024.41 Loss mitigation procedures.

If a transferee servicer acquires the servicing of a mortgage loan for which a complete loss mitigation

• • 1024 (Regulation X)

§ 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

• • 1026 (Regulation Z)

§ 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

• • 1026 (Regulation Z)

§ 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

• • 1026 (Regulation Z)

§ 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

• • 1026 (Regulation Z)

§ 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

• • 1026 (Regulation Z)

§ 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 A to Part 1008 - Examples of Mortgage Loan Originator Activities

prospective borrower is not responsible for verifying that information - for example, the individual is a mortgage

• • 1008 (Regulation H)

Appendix A to Part 1004 — Official Commentary on Regulation D

(by telephone, for example) and use to verify the annual percentage rate applied to the alternative mortgage

• • 1004 (Regulation D)