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[PDF File]CRA Special Lending Programs - Federal Reserve System
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being examined. For residential mortgage lending products, CRA assessments consider the distribution of loans across low-, moderate-, middle-, and upper-income borrowers, with a special focus on lending to low- and moderate-income borrowers.3 For small business lending products, assessments consider the distribution of small loans (loans

[PDF File]ABILITY TO REPAY AND QUALIFIED MORTGAGE
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ABILITY TO REPAY AND QUALIFIED MORTGAGE UNDERWRITING REFERENCE January 1, 2019 In case of any queries regarding the information available in this guide, please reach us at qmteam@swmc.com . Sun West Mortgage Company, Inc. (NMLS ID 3277) in California holds a Finance Lenders Law License (#6030119) approved by

[PDF File]CRA 101: An introduction to the Community Reinvestment Act
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Proportion of total loans within assessment area. Distribution within low-, moderate-, middle- and upper-income census tracts. Distribution of home mortgage loans to low-, moderate-,middle- and upper income . individuals.

[PDF File]What the new high cost mortgage protections mean for consumers
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2 WHAT THE NEW HIGH-COST MORTGAGE PROTECTIONS ME AN FOR CONSUMERS, JANUARY 2013. If a lender offers you a high-cost mortgage, where the annual percentage rate (APR) or points and fees charged exceed certain threshold amounts, the Home Ownership and Equity Protection Act (HOEPA) provides you with special consumer protections.

[PDF File]Basic guide for lenders - Consumer Financial Protection Bureau
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Basic guide for lenders What is a Qualified Mortgage? EXTRA NOTE: Even if a loan is not a qualified mortgage, it can still be an appropriate loan. You can originate any mortgage (whether or not it is a QM) as long as you make a reasonable, good-faith determination that the consumer is able to repay the loan based on common underwriting factors.

STATE OF NEW YORK MORTGAGE AGENCY LOW INTEREST RATE MORTGAGE ...
STATE OF NEW YORK MORTGAGE AGENCY LOW INTEREST RATE MORTGAGE PROGRAM SELLER'S GUIDE PART I - GENERAL SECTION 1.1 - DEFINITIONS. (a) Application The Participation Application from Seller in which Seller seeks approval to participate in the Low Interest Rate Mortgage Program.

Low amount mortgage loans