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	Mortgage Glossary

Adjustable-Rate Mortgages

• ARM Benefits and Risks
• ARM Features: Index, Margin, Adjustment Period
• ARM Discounts and Payment Shock
• ARM Interest-Rate Caps, Carryovers
• ARM Payment Caps, Negative Amortization, Prepayment, Conversion
• ARM Mortgage Checklist, Compare Mortgages
• ARM Mortgage Glossary

Cancellation of PMI

• Cancellation of Private Mortgage Insurance: Automatic and By Request
• Cancellation of Private Mortgage Insurance: Savings, Home Appreciation
• Cancellation of Private Mortgage Insurance: Disclosures Required
• Cancellation of Private Mortgage Insurance: Complaints and Enforcement Authorities

Federal Income Tax Deductions

• Income Tax Deductions: Home Mortgage Interest
• Income Tax Deductions: Home Mortgage Interest FAQs
• Income Tax Deductions: Home Mortgage Points
• Income Tax Deductions: Home Refinancing Points
• Income Tax Deductions: Home Moving Expenses
• Income Tax Deductions: Selling Your Home
• Income Tax Deductions: Selling Your Home: FAQs

Sample Lender Complaint Letter

Mortgage and Lender Complaints: Federal and State Regulatory Agencies

• File a Complaint: Office of the Comptroller of the Currency (OCC)
• File a Complaint: The Federal Reserve Board
• File a Complaint: Federal Deposit Insurance Corporation (FDIC)
• File a Complaint: Office of Thrift Supervision (OTS)
• File a Complaint: National Credit Union Administration (NCUA)
• File a Complaint: Federal Trade Commission (FTC)
• File a Complaint: Farm Credit Administration (FCA)
• File a Complaint: Department of Housing and Urban Development (HUD)

Mortgage Settlement: Closing
Costs and Fees

• Mortgage Settlement: Closing Costs and Fees Overview
• Mortgage Settlement: Lender-Related Closing Costs and Fees
• Mortgage Settlement: Miscellaneous Closing Costs and Fees
• Mortgage Settlement: Closing Costs and Fees for Transferring Ownership
• Mortgage Settlement: Closing Costs and Fees to State and Local Governments
• Mortgage Settlement: All-in-One Pricing of Closing Costs and Fees
• Mortgage Settlement: Estimates of Closing Costs and Fees
• Mortgage Settlement: Examples of Closing Costs and Fees
• Mortgage Settlement: Worksheet for Closing Costs and Fees

HUD-1 Settlement Statement

• Blank HUD-1 Settlement Statement
• HUD-1 Section J (lines 100-303)
• HUD-1 Section L (lines 700-1400)

Real Estate Settlement Procedures Act (RESPA)

• RESPA: Purpose
• RESPA: Disclosures
• RESPA: Protections and Enforcement
• RESPA: FAQs
• RESPA: Escrow Account Protections and Limits
• RESPA: Escrow Account FAQs
• RESPA: Calculate Escrow Account Maximum Limits
• RESPA: Tips

Required Booklet: Buying Your
Home, Settlement Costs and Information

• Table of Contents
• Introduction
• Role of the Real Estate Broker
• Selecting an Attorney
• Terms of the Agreement of Sale
• Shopping For a Loan
• Selecting a Settlement Agent
• Securing Title Services
• RESPA Disclosures
• Processing Your Loan Application
• RESPA Protection Against Illegal Referral Fees
• Your Right to File Complaints
• Specific Settlement Costs
• Calculating the Amount You Need At Settlement
• Adjustments To Costs Shared By Buyer and Seller
• HUD-1 Settlement Statement
• Appendix

Mortgage Interest Rate Lock-Ins

• Mortgage Interest Rate Lock-Ins: Benefits, Fees, Options
• Mortgage Interest Rate Lock-Ins: Length, Expiration
• Mortgage Interest Rate Lock-Ins: Questions to Ask
• Mortgage Interest Rate Lock-Ins: Complaints and Enforcement

Home Rehabilitation Loans

• Home Rehab Loans: Section 203k
• Home Rehab Loans: Eligible Borrowers and Homes
• Home Rehab Loans: Eligible Condos
• Home Rehab Loans: Eligible Home Improvements
• Home Rehab Loans: Required Improvements
• Home Rehab Loans: Interest Rates and Loan Fees
• Home Rehab Loans: Application Process
• Home Rehab Loans: Application Process (continued)
• Home Rehab Loans: FAQs (1-9)
• Home Rehab Loans: FAQs (10-16)
• Home Rehab Loans: FAQs (17-25)
• Home Rehab Loans: FAQs (26-32)

Home Repair Loans

• Home Repair Loans: Streamline 203k
• Home Repair Loans: Contractors

Home Improvement Loan

• Home Improvement Loan: Title I
• Home Improvement Loan: Amounts, Lenders

Reverse Mortgages

• Reverse Mortgage Description, Eligibility and Considerations
• Reverse Mortgage Types, Shopping and Precautions
• Home Equity Conversion Mortgage (HECM) Description and Eligibility
• HECM Payment Options, Loan Amounts, Fees and Application

New Home Warranties

Servicemembers Civil Relief Act (SCRA) of 2003

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