Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans
mortgage-related insurance required by the creditor before the consummation of a higher-priced mortgage loan
- 1026 (Regulation Z)
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Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans
creditor to establish an escrow account before consummation of a first-lien higher-priced mortgage loan
- 1026 (Regulation Z)
Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans
A consumer of a higher-priced mortgage loan subject to § 1026.35(c) may not waive the timing requirement
- 1026 (Regulation Z)
Comment for 1026.39 - Mortgage Transfer Disclosures
comments 39(c)(1)-2, 39(c)(3)-1 and 39(c)(3)-2 regarding transfers of a partial interest in the mortgage loan
- 1026 (Regulation Z)
Comment for 1026.39 - Mortgage Transfer Disclosures
If multiple covered persons each acquire a partial interest in the loan in separate transactions and
- 1026 (Regulation Z)
Comment for Appendix H - Closed-End Forms and Clauses
Creditors may make several types of changes to closed-end model forms H-1 (credit sale) and H-2 (loan
- 1026 (Regulation Z)
Comment for 1026.18 - Content of Disclosures
payment can increase in the manner described in § 1026.18(s)(3)(i)(B), even if it is not the type of loan
- 1026 (Regulation Z)
§ 1026.32 Requirements for high-cost mortgages.
The term bona fide discount point means an amount equal to 1 percent of the loan amount paid by the consumer
- 1026 (Regulation Z)
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
affirmative or negative answer to the question, and under such question disclosed as a subheading, “Does the loan
- 1026 (Regulation Z)
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
Labeled “Closing Costs Financed (Paid from your Loan Amount),” the sum of the amounts disclosed under
- 1026 (Regulation Z)
Comment for 1026.17 - General Disclosure Requirements
The disclosure given under § 1026.18(k) may state, for example, “If you prepay your loan on other
- 1026 (Regulation Z)
Comment for 1026.18 - Content of Disclosures
If an amortizing loan is an adjustable-rate mortgage with an introductory rate (less than the fully-indexed
- 1026 (Regulation Z)
Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans
Institutions subject to the requirements of FIRREA and its implementing regulations that make a loan
- 1026 (Regulation Z)
Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans
requirements for a manufactured home classified as personal property under the Title I Manufactured Home Loan
- 1026 (Regulation Z)
Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)
change must precede the label “Step Payment” (e.g., “5 Year Step Payment”) followed by the name of the loan
- 1026 (Regulation Z)
Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)
disclosure required by § 1026.37(m)(1) states that the creditor will provide an appraisal, even if the “loan
- 1026 (Regulation Z)
Comment for 1026.40 - Requirements for Home-Equity Plans
A disclosure is not required merely because a loan calls for non-amortizing or partially amortizing payments
- 1026 (Regulation Z)
Comment for 1026.41 - Periodic Statements for Residential Mortgage Loans
Additional information about the loan is often included on or inside the front or back cover, or on filler
- 1026 (Regulation Z)
Comment for 1026.41 - Periodic Statements for Residential Mortgage Loans
For example, assume that a mortgage loan has a monthly billing cycle, each payment due date is on the
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
Under § 1026.43(c)(5)(ii)(A)(1), the creditor must determine a consumer's ability to repay a loan
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
Assume further that, based on the calculation of the maximum loan amount required under § 1026.43
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
The loan conforms to the relevant standards set forth in the Fannie Mae Single-Family Selling Guide or
- 1026 (Regulation Z)
Comment for Appendix K - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions
The calculation of total annual loan cost rates under appendix K is based on the principles set forth
- 1026 (Regulation Z)
Comment for 1026.25 - Record Retention
applicable Federal law relating to the plan, copies of the plan and amendments thereto in which individual loan
- 1026 (Regulation Z)
Comment for 1026.26 - Use of Annual Percentage Rate in Oral Disclosures
For example, the creditor may be unable to state a precise annual percentage rate for a mortgage loan
- 1026 (Regulation Z)