Appendix H to Part 1026 — Closed-End Model Forms and Clauses
H-4(D)(1) Adjustable-Rate Mortgage Model Form for § 1026.20(c)
- 1026 (Regulation Z)
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H-4(D)(1) Adjustable-Rate Mortgage Model Form for § 1026.20(c)
18(s)(2)(iii) Introductory Rate Disclosure for Amortizing Adjustable-Rate Mortgage
(d) Reverse mortgage model form and sample form (d)(2) Sample form
Not be used as a direct offset to the mortgage payment.
(B) A creditor must verify the consumer's current obligations, including any mortgage-related obligations
The consumer's high-cost mortgage is scheduled to be consummated prior to the due date for the next payment
If a creditor does not require earthquake insurance to be obtained in connection with the mortgage loan
The disclosures required by this section shall identify the mortgage loan that was sold, assigned or
(C) Is not a higher-priced mortgage loan, as defined in § 1026.35(a).
(B) Is a step-rate mortgage, as defined in § 1026.18(s)(7)(ii);
H-4(E) Fixed Rate Mortgage Interest Rate and Payment Summary Model Clause
Fees paid to an affiliate of the creditor or a mortgage broker.
The consumer in bankruptcy reaffirms personal liability for the mortgage loan; or
Using the term “counselor” in an advertisement to refer to a for-profit mortgage broker or mortgage creditor
(ii) On the second line, the number of months for which mortgage insurance premiums are to be paid by
(i) Non-standard mortgage.
Dwelling-secured fixed-rate closed-end balloon-payment mortgage loans and dwelling-secured fixed-rate
A creditor or mortgage broker “recommends or encourages” default when the creditor or mortgage broker
statement of intention that provides, as applicable, for the maintenance of payments due under the mortgage
A consumer makes a partial or periodic payment on the mortgage loan despite the consumer in bankruptcy
Assume that a $3,000 private mortgage insurance premium charged on a closed-end mortgage loan is payable
is a debtor in a case under chapter 12 or if a consumer's bankruptcy plan modifies the terms of the mortgage
A statement that a consumer has received counseling on the advisability of the high-cost mortgage means
A creditor may make a mortgage loan that will be transferred or sold to a purchaser pursuant to an agreement
statements provided in appendix H-30 of this part to remove language that could suggest liability under the mortgage