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1026.31—General rules. | Bankers Online
If high-cost mortgage, HCM disclosure 3 business days prior to closing (each borrower/consumer w/ right to rescind) _____ Written Certification of Counseling Obtained (if high-cost mortgage) _____ If high-cost mortgage: Ability to Repay using third-party verification: _____ Income or Assets
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[DOC File]REFINANCE (Adjustable Rate Mortgage/HMDA)
https://info.5y1.org/high-cost-mortgage-disclosure_1_1eb7dc.html
GA Disclosure of Net Tangible Benefit. 4235 (upon request) A high-cost home loan refinancing a home loan consummated within the prior 5 years. GA. CODE ANN. § ... A refinancing of a residential mortgage loan with a high-cost mortgage loan or a higher-priced mortgage loan. ME. REV. STAT. ANN. tit 9-A, § 8-506(5) (2011); 02-030-550 ME. CODE R ...
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Prepayment Penalty. A loan is a high-cost mortgage if a prepayment penalty is: More than 36 months after closing, or . In an amount more than 2% of the prepaid amount. Disclosure. If a loan is a high-cost mortgage, the high-cost mortgage notice must be provided at last three business days before closing. The text of the disclosure follows:
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[DOC File]REFINANCE (Adjustable Rate Mortgage/HMDA)
https://info.5y1.org/high-cost-mortgage-disclosure_1_3fbbfe.html
Other changes = Revised disclosure at closing. Received at least 3 (Precise) Business Days Before Closing (If secured by principal dwelling): If not in person, assume receipt 3 business days later _____ 1. If high-cost mortgage, HCM disclosure 3 (precise) business days prior to closing (each borrower/consumer w/ right to rescind)
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[DOC File]Best-Ever Consumer Compliance Checklists
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_____ 5. Pre-payment Penalty Disclosure (at time of application) _____ 6. Notification of changes to your loan in process form(s) _____ 7. Language Disclosure form _____ 8. Mortgage Awareness Program (MAP) Counseling Notification (for loans that are considered to be a “High Costs Mortgage” _____ 9. Calculations for High Cost Triggers
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[DOC File]COMPLIANCE CHECKLIST
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HMDA PROCEDURES . DATA COLLECTIONThe following procedures are designed to guide you through the data collection process under the Home Mortgage Disclosure Act (HMDA) for applications received on or after January 1, 2018.HMDA Loan Application Register (LAR) data fields and their corresponding source documents have been outlined.
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High cost mortgage disclosure