76 FR 79704 - Annual Indexing of Basic Statutory Mortgage Limits for Multifamily Housing Programs
Federal Register 2010, 2011, 2012, 2013, 2014
2011-12-22
... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5592-N-01] Annual Indexing of Basic Statutory Mortgage Limits for Multifamily Housing Programs AGENCY: Office of the Assistant Secretary for Housing--Federal Housing Commissioner, HUD. ACTION: Notice. SUMMARY: In accordance with Section 206A of...
76 FR 10387 - Annual Indexing of Basic Statutory Mortgage Limits for Multifamily Housing Programs
Federal Register 2010, 2011, 2012, 2013, 2014
2011-02-24
... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5388-N-02] Annual Indexing of Basic Statutory Mortgage Limits for Multifamily Housing Programs AGENCY: Office of the Assistant Secretary for Housing--Federal Housing Commissioner, HUD. ACTION: Notice. SUMMARY: In accordance with Section 206A of...
75 FR 5800 - Annual Indexing of Basic Statutory Mortgage Limits for Multifamily Housing Programs
Federal Register 2010, 2011, 2012, 2013, 2014
2010-02-04
... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5388-N-01] Annual Indexing of Basic Statutory Mortgage Limits for Multifamily Housing Programs AGENCY: Office of the Assistant Secretary for Housing--Federal Housing Commissioner, HUD. ACTION: Notice. SUMMARY: In accordance with Section 206A of...
78 FR 26383 - Annual Indexing of Basic Statutory Mortgage Limits for Multifamily Housing Programs
Federal Register 2010, 2011, 2012, 2013, 2014
2013-05-06
... this number through TTY by calling the toll-free Federal Relay Service at (800) 877-8339. SUPPLEMENTARY...) on the effective date of the Consumer Financial Protection Bureau's adjustment of the $400 figure in the Home Ownership and Equity Protection Act of 1994 (HOEPA) (Pub. L. 103-325, approved September 23...
46 CFR 356.31 - Maintenance of Mortgage Trustee approval.
Code of Federal Regulations, 2011 CFR
2011-10-01
... causing such failure. Upon learning that a Mortgage Trustee fails to meet the statutory or regulatory... disapproval notice, the disapproved Mortgage Trustee must either transfer its fiduciary responsibilities to a... following publication of the notice in the Federal Register and pending transfer of the Mortgage Trustee's...
46 CFR 356.31 - Maintenance of Mortgage Trustee approval.
Code of Federal Regulations, 2014 CFR
2014-10-01
... causing such failure. Upon learning that a Mortgage Trustee fails to meet the statutory or regulatory... disapproval notice, the disapproved Mortgage Trustee must either transfer its fiduciary responsibilities to a... following publication of the notice in the Federal Register and pending transfer of the Mortgage Trustee's...
46 CFR 356.31 - Maintenance of Mortgage Trustee approval.
Code of Federal Regulations, 2012 CFR
2012-10-01
... causing such failure. Upon learning that a Mortgage Trustee fails to meet the statutory or regulatory... disapproval notice, the disapproved Mortgage Trustee must either transfer its fiduciary responsibilities to a... following publication of the notice in the Federal Register and pending transfer of the Mortgage Trustee's...
46 CFR 356.31 - Maintenance of Mortgage Trustee approval.
Code of Federal Regulations, 2013 CFR
2013-10-01
... causing such failure. Upon learning that a Mortgage Trustee fails to meet the statutory or regulatory... disapproval notice, the disapproved Mortgage Trustee must either transfer its fiduciary responsibilities to a... following publication of the notice in the Federal Register and pending transfer of the Mortgage Trustee's...
46 CFR 356.31 - Maintenance of Mortgage Trustee approval.
Code of Federal Regulations, 2010 CFR
2010-10-01
... causing such failure. Upon learning that a Mortgage Trustee fails to meet the statutory or regulatory... disapproval notice, the disapproved Mortgage Trustee must either transfer its fiduciary responsibilities to a... following publication of the notice in the Federal Register and pending transfer of the Mortgage Trustee's...
78 FR 4725 - Escrow Requirements Under the Truth in Lending Act (Regulation Z)
Federal Register 2010, 2011, 2012, 2013, 2014
2013-01-22
...The Bureau of Consumer Financial Protection (Bureau) is publishing a final rule that amends Regulation Z (Truth in Lending) to implement certain amendments to the Truth in Lending Act made by the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act). Regulation Z currently requires creditors to establish escrow accounts for higher-priced mortgage loans secured by a first lien on a principal dwelling. The rule implements statutory changes made by the Dodd-Frank Act that lengthen the time for which a mandatory escrow account established for a higher-priced mortgage loan must be maintained. The rule also exempts certain transactions from the statute's escrow requirement. The primary exemption applies to mortgage transactions extended by creditors that operate predominantly in rural or underserved areas, originate a limited number of first-lien covered transactions, have assets below a certain threshold, and do not maintain escrow accounts on mortgage obligations they currently service.
Numerical ability predicts mortgage default
Gerardi, Kristopher; Goette, Lorenz; Meier, Stephan
2013-01-01
Unprecedented levels of US subprime mortgage defaults precipitated a severe global financial crisis in late 2008, plunging much of the industrialized world into a deep recession. However, the fundamental reasons for why US mortgages defaulted at such spectacular rates remain largely unknown. This paper presents empirical evidence showing that the ability to perform basic mathematical calculations is negatively associated with the propensity to default on one’s mortgage. We measure several aspects of financial literacy and cognitive ability in a survey of subprime mortgage borrowers who took out loans in 2006 and 2007, and match them to objective, detailed administrative data on mortgage characteristics and payment histories. The relationship between numerical ability and mortgage default is robust to controlling for a broad set of sociodemographic variables, and is not driven by other aspects of cognitive ability. We find no support for the hypothesis that numerical ability impacts mortgage outcomes through the choice of the mortgage contract. Rather, our results suggest that individuals with limited numerical ability default on their mortgage due to behavior unrelated to the initial choice of their mortgage. PMID:23798401
Numerical ability predicts mortgage default.
Gerardi, Kristopher; Goette, Lorenz; Meier, Stephan
2013-07-09
Unprecedented levels of US subprime mortgage defaults precipitated a severe global financial crisis in late 2008, plunging much of the industrialized world into a deep recession. However, the fundamental reasons for why US mortgages defaulted at such spectacular rates remain largely unknown. This paper presents empirical evidence showing that the ability to perform basic mathematical calculations is negatively associated with the propensity to default on one's mortgage. We measure several aspects of financial literacy and cognitive ability in a survey of subprime mortgage borrowers who took out loans in 2006 and 2007, and match them to objective, detailed administrative data on mortgage characteristics and payment histories. The relationship between numerical ability and mortgage default is robust to controlling for a broad set of sociodemographic variables, and is not driven by other aspects of cognitive ability. We find no support for the hypothesis that numerical ability impacts mortgage outcomes through the choice of the mortgage contract. Rather, our results suggest that individuals with limited numerical ability default on their mortgage due to behavior unrelated to the initial choice of their mortgage.
32 CFR 553.2 - Statutory authority.
Code of Federal Regulations, 2014 CFR
2014-07-01
... 32 National Defense 3 2014-07-01 2014-07-01 false Statutory authority. 553.2 Section 553.2 National Defense Department of Defense (Continued) DEPARTMENT OF THE ARMY MILITARY RESERVATIONS AND NATIONAL CEMETERIES ARMY NATIONAL CEMETERIES § 553.2 Statutory authority. Basic statutory authority...
12 CFR 614.4910 - Basic authorities.
Code of Federal Regulations, 2010 CFR
2010-01-01
..., except a bank for cooperatives, with direct lending authority may originate agricultural real estate loans for sale to one or more certified agricultural mortgage marketing facilities under title VIII of... operate as an agricultural mortgage marketing facility under title VIII of the Act, either acting alone or...
77 FR 49963 - Organization and Delegation of Powers and Duties
Federal Register 2010, 2011, 2012, 2013, 2014
2012-08-17
... subpart sets forth the OST's key responsibilities, its basic organizational structure, and the line of... statutory responsibilities and organizational changes within the Department. Third, it clarifies the text... the current statutory and organizational posture of the Department. The final rule is ministerial in...
75 FR 81817 - Adjustments of Certain Rates of Pay
Federal Register 2010, 2011, 2012, 2013, 2014
2010-12-29
... Order 13561 of December 22, 2010 Adjustments of Certain Rates of Pay By the authority vested in me as..., it is hereby ordered as follows: Section 1. Statutory Pay Systems. Pursuant to the Continuing... ``Continuing Appropriations Act''), the rates of basic pay or salaries of the statutory pay systems (as defined...
78 FR 80451 - Adjustments of Certain Rates of Pay
Federal Register 2010, 2011, 2012, 2013, 2014
2013-12-31
... of Pay By the authority vested in me as President by the Constitution and the laws of the United States of America, it is hereby ordered as follows: Section 1. Statutory Pay Systems. The rates of basic pay or salaries of the statutory pay systems (as defined in 5 U.S.C. 5302(1)), as adjusted under 5 U.S...
Code of Federal Regulations, 2012 CFR
2012-07-01
... mortgages on units in the existing condominium property. All taxes, assessments, mechanic's liens, and other... after the date of recording the declaration. On a case basic, longer periods of expansion rights will be...
Code of Federal Regulations, 2010 CFR
2010-07-01
... mortgages on units in the existing condominium property. All taxes, assessments, mechanic's liens, and other... after the date of recording the declaration. On a case basic, longer periods of expansion rights will be...
Code of Federal Regulations, 2011 CFR
2011-07-01
... mortgages on units in the existing condominium property. All taxes, assessments, mechanic's liens, and other... after the date of recording the declaration. On a case basic, longer periods of expansion rights will be...
Code of Federal Regulations, 2013 CFR
2013-07-01
... mortgages on units in the existing condominium property. All taxes, assessments, mechanic's liens, and other... after the date of recording the declaration. On a case basic, longer periods of expansion rights will be...
Code of Federal Regulations, 2014 CFR
2014-07-01
... mortgages on units in the existing condominium property. All taxes, assessments, mechanic's liens, and other... after the date of recording the declaration. On a case basic, longer periods of expansion rights will be...
42 CFR 422.262 - Beneficiary premiums.
Code of Federal Regulations, 2011 CFR
2011-10-01
... and Plan Approval § 422.262 Beneficiary premiums. (a) Determination of MA monthly basic beneficiary premium. (1) For an MA plan with an unadjusted statutory non-drug bid amount that is less than the relevant unadjusted non-drug benchmark amount, the basic beneficiary premium is zero. (2) For an MA plan...
42 CFR 422.262 - Beneficiary premiums.
Code of Federal Regulations, 2012 CFR
2012-10-01
... Information and Plan Approval § 422.262 Beneficiary premiums. (a) Determination of MA monthly basic beneficiary premium. (1) For an MA plan with an unadjusted statutory non-drug bid amount that is less than the relevant unadjusted non-drug benchmark amount, the basic beneficiary premium is zero. (2) For an MA plan...
42 CFR 422.262 - Beneficiary premiums.
Code of Federal Regulations, 2013 CFR
2013-10-01
... Information and Plan Approval § 422.262 Beneficiary premiums. (a) Determination of MA monthly basic beneficiary premium. (1) For an MA plan with an unadjusted statutory non-drug bid amount that is less than the relevant unadjusted non-drug benchmark amount, the basic beneficiary premium is zero. (2) For an MA plan...
42 CFR 422.262 - Beneficiary premiums.
Code of Federal Regulations, 2010 CFR
2010-10-01
... and Plan Approval § 422.262 Beneficiary premiums. (a) Determination of MA monthly basic beneficiary premium. (1) For an MA plan with an unadjusted statutory non-drug bid amount that is less than the relevant unadjusted non-drug benchmark amount, the basic beneficiary premium is zero. (2) For an MA plan...
42 CFR 422.262 - Beneficiary premiums.
Code of Federal Regulations, 2014 CFR
2014-10-01
... Information and Plan Approval § 422.262 Beneficiary premiums. (a) Determination of MA monthly basic beneficiary premium. (1) For an MA plan with an unadjusted statutory non-drug bid amount that is less than the relevant unadjusted non-drug benchmark amount, the basic beneficiary premium is zero. (2) For an MA plan...
Mortgaging the Future: The Cost of Deferring Maintenance.
ERIC Educational Resources Information Center
Kaiser, Harvey H.
In an effort to stimulate and assist higher education administrators to think and do something about the erosion of buildings taking place on many campuses, this publication serves as a basic overview of the problem. Rising energy costs, continuing inflation, and worsening financial conditions in general only compound the situation that has been…
7 CFR 1710.114 - TIER, DSC, OTIER and ODSC requirements.
Code of Federal Regulations, 2011 CFR
2011-01-01
... 7 Agriculture 11 2011-01-01 2011-01-01 false TIER, DSC, OTIER and ODSC requirements. 1710.114... AND GUARANTEES Loan Purposes and Basic Policies § 1710.114 TIER, DSC, OTIER and ODSC requirements. (a) General. Requirements for coverage ratios are set forth in the borrower's mortgage, loan contract, or...
A guide to federal-aid programs and projects
DOT National Transportation Integrated Search
1999-05-01
This guide provides basic information about Federal-aid programs, projects, and other program characteristics. The information sheets contained in the guide provide fiscal information, statutory and regulatory references, general eligibility and back...
Analysis of Income/Commercial Real Estate Transactions.
ERIC Educational Resources Information Center
Apfelberg, Robert S.
Basic concepts in long- and short-term financing of real estate property are discussed in this text for real estate personnel. Two of the more important of these are leverage, the relationship between the return received by the equity and mortgage investors, and risk, the assessment of the probability that all or part of the investment may be…
The Mortgage Money Guide. Creative Financing for Home Buyers. Updated Edition.
ERIC Educational Resources Information Center
Federal Trade Commission, Washington, DC.
This guide to creative home financing outlines basic concepts needed in shopping for a home loan. Many plans are described so that buyers can make their own decisions. The guide contains three sections: (1) getting started--highlighting the essentials; (2) defining terms; and (3) payment tables. The first section summarizes 15 financing plans in a…
48 CFR 22.301 - Statutory requirement.
Code of Federal Regulations, 2014 CFR
2014-10-01
... that no laborer or mechanic doing any part of the work contemplated by the contract shall be required... not less than 11/2 times the basic rate of pay. [48 FR 42258, Sept. 19, 1983 as amended at 51 FR 12293...
48 CFR 22.301 - Statutory requirement.
Code of Federal Regulations, 2012 CFR
2012-10-01
... that no laborer or mechanic doing any part of the work contemplated by the contract shall be required... not less than 11/2 times the basic rate of pay. [48 FR 42258, Sept. 19, 1983 as amended at 51 FR 12293...
48 CFR 22.301 - Statutory requirement.
Code of Federal Regulations, 2013 CFR
2013-10-01
... that no laborer or mechanic doing any part of the work contemplated by the contract shall be required... not less than 11/2 times the basic rate of pay. [48 FR 42258, Sept. 19, 1983 as amended at 51 FR 12293...
Code of Federal Regulations, 2010 CFR
2010-04-01
... mortgage insurance premiums for H4H program mortgages. 257.203 Section 257.203 Housing and Urban... mortgage insurance premiums for H4H program mortgages. (a) Applicable premiums. Any mortgage presented for... LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOPE FOR HOMEOWNERS PROGRAM...
Code of Federal Regulations, 2011 CFR
2011-04-01
... mortgage insurance premiums for H4H program mortgages. 257.203 Section 257.203 Housing and Urban... mortgage insurance premiums for H4H program mortgages. (a) Applicable premiums. Any mortgage presented for... LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOPE FOR HOMEOWNERS PROGRAM...
Code of Federal Regulations, 2010 CFR
2010-01-01
... AND SOUNDNESS MORTGAGE FRAUD REPORTING § 1731.2 Definitions. For purposes of this part— (a) Director... Association or the Federal Home Loan Mortgage Corporation. (c) Mortgage fraud means a material misstatement... mortgage, including a mortgage associated with a mortgage-backed security or similar financial instrument...
24 CFR 232.903 - Maximum mortgage limitations.
Code of Federal Regulations, 2010 CFR
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Maximum mortgage limitations. 232... ASSISTED LIVING FACILITIES Insurance of Mortgages Covering Existing Projects § 232.903 Maximum mortgage limitations. Notwithstanding the maximum mortgage limitations set forth in § 232.30, a mortgage within the...
ERIC Educational Resources Information Center
Taylor, Kelly R.
2001-01-01
A brief list of basic legal concepts and terms to help principals become more familiar with some of the Constitutional and statutory procedural and substantive aspects of school law, including, for example, concepts like due process and privacy and terms like En Banc and De Facto. (PKP)
Code of Federal Regulations, 2010 CFR
2010-04-01
... mortgage insurance premiums for Program mortgages. 4001.203 Section 4001.203 Housing and Urban Development... HOMEOWNERS PROGRAM HOPE FOR HOMEOWNERS PROGRAM Rights and Obligations Under the Contract of Insurance § 4001.203 Calculation of upfront and annual mortgage insurance premiums for Program mortgages. (a...
26 CFR 1.6050H-3T - Information reporting of mortgage insurance premiums (temporary).
Code of Federal Regulations, 2010 CFR
2010-04-01
... Information reporting of mortgage insurance premiums (temporary). (a) Information reporting requirements. Any... section applies to the receipt of all payments of mortgage insurance premiums, by cash or financing... premiums is determined on a mortgage-by-mortgage basis. A recipient need not aggregate mortgage insurance...
Code of Federal Regulations, 2011 CFR
2011-04-01
... mortgage insurance premiums for Program mortgages. 4001.203 Section 4001.203 Housing and Urban Development... HOMEOWNERS PROGRAM HOPE FOR HOMEOWNERS PROGRAM Rights and Obligations Under the Contract of Insurance § 4001.203 Calculation of upfront and annual mortgage insurance premiums for Program mortgages. (a...
Code of Federal Regulations, 2011 CFR
2011-04-01
... of mortgage insurance premiums on mortgages under § 221.60 and § 221.65. 221.256 Section 221.256... Interest rate increase and payment of mortgage insurance premiums on mortgages under § 221.60 and § 221.65.... (c) The liability for payment of mortgage insurance premiums shall begin on and be computed from the...
7 CFR Appendix A to Subpart B of... - Model Form of Mortgage for Electric Distribution Borrowers
Code of Federal Regulations, 2011 CFR
2011-01-01
... 7 Agriculture 11 2011-01-01 2011-01-01 false Model Form of Mortgage for Electric Distribution... Form of Mortgage for Electric Distribution Borrowers RESTATED MORTGAGE AND SECURITY AGREEMENT Made By... Exhibit A—Manager's Certificate Exhibit B—Form of Supplemental Mortgage Supplemental Mortgage Schedule A...
7 CFR Appendix A to Subpart B of... - Model Form of Mortgage for Electric Distribution Borrowers
Code of Federal Regulations, 2012 CFR
2012-01-01
... 7 Agriculture 11 2012-01-01 2012-01-01 false Model Form of Mortgage for Electric Distribution... Form of Mortgage for Electric Distribution Borrowers RESTATED MORTGAGE AND SECURITY AGREEMENT Made By... Exhibit A—Manager's Certificate Exhibit B—Form of Supplemental Mortgage Supplemental Mortgage Schedule A...
7 CFR Appendix A to Subpart B of... - Model Form of Mortgage for Electric Distribution Borrowers
Code of Federal Regulations, 2014 CFR
2014-01-01
... 7 Agriculture 11 2014-01-01 2014-01-01 false Model Form of Mortgage for Electric Distribution... Form of Mortgage for Electric Distribution Borrowers RESTATED MORTGAGE AND SECURITY AGREEMENT Made By... Exhibit A—Manager's Certificate Exhibit B—Form of Supplemental Mortgage Supplemental Mortgage Schedule A...
7 CFR Appendix A to Subpart B of... - Model Form of Mortgage for Electric Distribution Borrowers
Code of Federal Regulations, 2010 CFR
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Model Form of Mortgage for Electric Distribution... Form of Mortgage for Electric Distribution Borrowers RESTATED MORTGAGE AND SECURITY AGREEMENT Made By... Exhibit A—Manager's Certificate Exhibit B—Form of Supplemental Mortgage Supplemental Mortgage Schedule A...
7 CFR Appendix A to Subpart B of... - Model Form of Mortgage for Electric Distribution Borrowers
Code of Federal Regulations, 2013 CFR
2013-01-01
... 7 Agriculture 11 2013-01-01 2013-01-01 false Model Form of Mortgage for Electric Distribution... Form of Mortgage for Electric Distribution Borrowers RESTATED MORTGAGE AND SECURITY AGREEMENT Made By... Exhibit A—Manager's Certificate Exhibit B—Form of Supplemental Mortgage Supplemental Mortgage Schedule A...
Code of Federal Regulations, 2010 CFR
2010-04-01
... insurance premium excluded from limitations on maximum mortgage amounts. 203.18c Section 203.18c Housing and...-front mortgage insurance premium excluded from limitations on maximum mortgage amounts. After... LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE...
Code of Federal Regulations, 2011 CFR
2011-04-01
... insurance premium excluded from limitations on maximum mortgage amounts. 203.18c Section 203.18c Housing and...-front mortgage insurance premium excluded from limitations on maximum mortgage amounts. After... LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE...
Code of Federal Regulations, 2012 CFR
2012-10-01
..., where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal... basic or applied research by a non-profit institution of higher education or non-profit organization...
Code of Federal Regulations, 2013 CFR
2013-10-01
..., where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal... basic or applied research by a non-profit institution of higher education or non-profit organization...
Code of Federal Regulations, 2011 CFR
2011-10-01
..., where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal... basic or applied research by a non-profit institution of higher education or non-profit organization...
Code of Federal Regulations, 2010 CFR
2010-10-01
..., where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal... basic or applied research by a non-profit institution of higher education or non-profit organization...
Code of Federal Regulations, 2011 CFR
2011-04-01
... part with Federal funds, where HUD has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the... conduct basic or applied research by a non-profit institution of higher education or non-profit...
Code of Federal Regulations, 2012 CFR
2012-04-01
... part with Federal funds, where HUD has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the... conduct basic or applied research by a non-profit institution of higher education or non-profit...
Code of Federal Regulations, 2013 CFR
2013-04-01
... part with Federal funds, where HUD has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the... conduct basic or applied research by a non-profit institution of higher education or non-profit...
Code of Federal Regulations, 2010 CFR
2010-04-01
... part with Federal funds, where HUD has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the... conduct basic or applied research by a non-profit institution of higher education or non-profit...
Code of Federal Regulations, 2014 CFR
2014-04-01
... part with Federal funds, where HUD has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the... conduct basic or applied research by a non-profit institution of higher education or non-profit...
Code of Federal Regulations, 2014 CFR
2014-10-01
..., where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal... basic or applied research by a non-profit institution of higher education or non-profit organization...
Code of Federal Regulations, 2013 CFR
2013-10-01
..., where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal... basic or applied research by a non-profit institution of higher education or non-profit organization...
Code of Federal Regulations, 2010 CFR
2010-10-01
..., where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal... basic or applied research by a non-profit institution of higher education or non-profit organization...
Code of Federal Regulations, 2011 CFR
2011-01-01
..., where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal... basic or applied research by a non-profit institution of higher education or non-profit organization...
Code of Federal Regulations, 2012 CFR
2012-10-01
..., where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal... basic or applied research by a non-profit institution of higher education or non-profit organization...
Code of Federal Regulations, 2014 CFR
2014-10-01
..., where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal... basic or applied research by a non-profit institution of higher education or non-profit organization...
Code of Federal Regulations, 2012 CFR
2012-01-01
..., where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal... basic or applied research by a non-profit institution of higher education or non-profit organization...
Code of Federal Regulations, 2011 CFR
2011-10-01
..., where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal... basic or applied research by a non-profit institution of higher education or non-profit organization...
Code of Federal Regulations, 2013 CFR
2013-01-01
..., where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal... basic or applied research by a non-profit institution of higher education or non-profit organization...
17 CFR 210.12-23 - Mortgage loans on real estate and interest earned on mortgages. 1
Code of Federal Regulations, 2010 CFR
2010-04-01
... each of the above classes of mortgage loans the average gross rate of interest on mortgage loans held... mortgages sold Amortization of premium Other (describe) Balance at close of period $ If additions represent... item of mortgage loans on real estate investments has been written down or reserved against pursuant to...
Locus of control and home mortgage loan behaviour.
Wang, Mingji; Chen, Hong; Wang, Lei
2008-04-01
The present study investigated the impact of locus of control on home mortgage loan behaviours. The results showed that participants with stronger external control were more likely to purchase a lower priced home, have a lower ratio of mortgage loan amount to the total home value, and have a shorter term of mortgage loan. Moreover, among participants who have owned a home, those not using mortgage loans showed more external control than those using mortgage loans; among participants who have not owned a home but want to buy a home, those not planning to use mortgage loans showed more external control than those planning to use mortgage loans.
Code of Federal Regulations, 2013 CFR
2013-07-01
... part with Federal funds, where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is... an award to conduct basic or applied research by a non-profit institution of higher education or non...
Code of Federal Regulations, 2013 CFR
2013-07-01
... has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal Grant and Cooperative Agreement Act (31 U.S.C. 6306), for property acquired under an award to conduct basic or applied research by...
Code of Federal Regulations, 2010 CFR
2010-07-01
... has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal Grant and Cooperative Agreement Act (31 U.S.C. 6306), for property acquired under an award to conduct basic or applied research by...
Code of Federal Regulations, 2011 CFR
2011-07-01
... part with Federal funds, where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is... an award to conduct basic or applied research by a non-profit institution of higher education or non...
Code of Federal Regulations, 2010 CFR
2010-10-01
... part with Federal funds, where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is... an award to conduct basic or applied research by a non-profit institution of higher education or non...
Code of Federal Regulations, 2014 CFR
2014-07-01
... part with Federal funds, where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is... an award to conduct basic or applied research by a non-profit institution of higher education or non...
Code of Federal Regulations, 2014 CFR
2014-10-01
... part with Federal funds, where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is... an award to conduct basic or applied research by a non-profit institution of higher education or non...
Code of Federal Regulations, 2014 CFR
2014-07-01
... part with Federal funds, where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is... an award to conduct basic or applied research by a non-profit institution of higher education or non...
Code of Federal Regulations, 2013 CFR
2013-10-01
... part with Federal funds, where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is... an award to conduct basic or applied research by a non-profit institution of higher education or non...
Code of Federal Regulations, 2011 CFR
2011-07-01
... part with Federal funds, where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is... an award to conduct basic or applied research by a non-profit institution of higher education or non...
Code of Federal Regulations, 2012 CFR
2012-10-01
... part with Federal funds, where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is... an award to conduct basic or applied research by a non-profit institution of higher education or non...
Code of Federal Regulations, 2012 CFR
2012-07-01
... has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal Grant and Cooperative Agreement Act (31 U.S.C. 6306), for property acquired under an award to conduct basic or applied research by...
Code of Federal Regulations, 2014 CFR
2014-04-01
... with Federal funds, where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is... an award to conduct basic or applied research by a non-profit institution of higher education or non...
Code of Federal Regulations, 2011 CFR
2011-04-01
... with Federal funds, where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is... an award to conduct basic or applied research by a non-profit institution of higher education or non...
Code of Federal Regulations, 2013 CFR
2013-04-01
... with Federal funds, where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is... an award to conduct basic or applied research by a non-profit institution of higher education or non...
Code of Federal Regulations, 2010 CFR
2010-04-01
... with Federal funds, where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is... an award to conduct basic or applied research by a non-profit institution of higher education or non...
Code of Federal Regulations, 2012 CFR
2012-04-01
... with Federal funds, where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is... an award to conduct basic or applied research by a non-profit institution of higher education or non...
Federal Register 2010, 2011, 2012, 2013, 2014
2011-07-08
... Mortgage Life Insurance Inquiry) Activity Under OMB Review AGENCY: Veterans Benefits Administration... refer to ``OMB Control No. 2900-0501.'' SUPPLEMENTARY INFORMATION: Title: Veterans Mortgage Life... approved collection. Abstract: Veterans whose mortgage is insured under Veterans Mortgage Life Insurance...
24 CFR 200.15 - Maximum mortgage.
Code of Federal Regulations, 2010 CFR
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Maximum mortgage. 200.15 Section 200.15 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued... Eligibility Requirements for Existing Projects Eligible Mortgage § 200.15 Maximum mortgage. Mortgages must not...
24 CFR 200.17 - Mortgage coverage.
Code of Federal Regulations, 2014 CFR
2014-04-01
... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Mortgage coverage. 200.17 Section 200.17 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued... Eligibility Requirements for Existing Projects Eligible Mortgage § 200.17 Mortgage coverage. The mortgage...
24 CFR 200.17 - Mortgage coverage.
Code of Federal Regulations, 2013 CFR
2013-04-01
... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Mortgage coverage. 200.17 Section 200.17 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued... Eligibility Requirements for Existing Projects Eligible Mortgage § 200.17 Mortgage coverage. The mortgage...
24 CFR 266.415 - Mortgage lien and other obligations.
Code of Federal Regulations, 2010 CFR
2010-04-01
... determine, that all contractual obligations in connection with the mortgage transaction, including the... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage lien and other obligations... Mortgage and Closing Requirements; HUD Endorsement § 266.415 Mortgage lien and other obligations. (a) Liens...
24 CFR 266.604 - Mortgage insurance premium: Other requirements.
Code of Federal Regulations, 2010 CFR
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Other... Contract Rights and Obligations Mortgage Insurance Premiums § 266.604 Mortgage insurance premium: Other..., based upon the respective share of risk, that is to be used in calculating mortgage insurance premiums...
24 CFR 266.602 - Mortgage insurance premium: Insured advances.
Code of Federal Regulations, 2010 CFR
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Insured... Contract Rights and Obligations Mortgage Insurance Premiums § 266.602 Mortgage insurance premium: Insured.... On each anniversary of the initial closing, the HFA shall pay an interim mortgage insurance premium...
24 CFR 221.254 - Mortgage insurance premiums.
Code of Federal Regulations, 2010 CFR
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premiums. 221... Cost Homes § 221.254 Mortgage insurance premiums. (a) All of the provisions of §§ 203.260 through 203.295 of this chapter relating to mortgage insurance premiums shall apply to mortgages insured under...
24 CFR 266.606 - Mortgage insurance premium: Duration and method of paying.
Code of Federal Regulations, 2010 CFR
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium... AFFORDABLE MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.606 Mortgage insurance premium: Duration and method of paying. (a) Duration of payments. Mortgage insurance...
24 CFR 266.602 - Mortgage insurance premium: Insured advances.
Code of Federal Regulations, 2011 CFR
2011-04-01
... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Mortgage insurance premium: Insured... Contract Rights and Obligations Mortgage Insurance Premiums § 266.602 Mortgage insurance premium: Insured.... On each anniversary of the initial closing, the HFA shall pay an interim mortgage insurance premium...
24 CFR 221.254 - Mortgage insurance premiums.
Code of Federal Regulations, 2011 CFR
2011-04-01
... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Mortgage insurance premiums. 221... Cost Homes § 221.254 Mortgage insurance premiums. (a) All of the provisions of §§ 203.260 through 203.295 of this chapter relating to mortgage insurance premiums shall apply to mortgages insured under...
24 CFR 266.604 - Mortgage insurance premium: Other requirements.
Code of Federal Regulations, 2011 CFR
2011-04-01
... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Mortgage insurance premium: Other... Contract Rights and Obligations Mortgage Insurance Premiums § 266.604 Mortgage insurance premium: Other..., based upon the respective share of risk, that is to be used in calculating mortgage insurance premiums...
24 CFR 266.606 - Mortgage insurance premium: Duration and method of paying.
Code of Federal Regulations, 2011 CFR
2011-04-01
... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Mortgage insurance premium... AFFORDABLE MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.606 Mortgage insurance premium: Duration and method of paying. (a) Duration of payments. Mortgage insurance...
Federal Register 2010, 2011, 2012, 2013, 2014
2012-09-18
... connection with the assignment, legal documents (e.g., mortgage, mortgage note, security agreement, title... Information Collection to OMB and Comment Request: Legal Instructions Concerning Applications for Full... mortgages to HUD. In connection with the assignment, legal documents (e.g., mortgage, mortgage note...
24 CFR 242.14 - Mortgage reserve fund.
Code of Federal Regulations, 2011 CFR
2011-04-01
... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Mortgage reserve fund. 242.14... MORTGAGE INSURANCE FOR HOSPITALS General Eligibility Requirements § 242.14 Mortgage reserve fund. As a condition of issuing a commitment, HUD shall require establishment of a Mortgage Reserve Fund (MRF). The...
36 CFR § 1210.2 - Definitions.
Code of Federal Regulations, 2013 CFR
2013-07-01
... statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal Grant and Cooperative Agreement Act (31 U.S.C. 6306), for property acquired under an award to conduct basic or applied research by a non...
Code of Federal Regulations, 2010 CFR
2010-07-01
... statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal Grant and Cooperative Agreement Act (31 U.S.C. 6306), for property acquired under an award to conduct basic or applied research by a non...
41 CFR 105-72.101 - Definitions.
Code of Federal Regulations, 2013 CFR
2013-07-01
... part with Federal funds, where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is... an award to conduct basic or applied research by a non-profit institution of higher education or non...
Code of Federal Regulations, 2013 CFR
2013-04-01
... SSA has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal Grant and Cooperative Agreement Act (31 U.S.C. 6306), for property acquired under an award to conduct basic or applied research by...
Code of Federal Regulations, 2011 CFR
2011-07-01
... statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal Grant and Cooperative Agreement Act (31 U.S.C. 6306), for property acquired under an award to conduct basic or applied research by a non...
Code of Federal Regulations, 2012 CFR
2012-07-01
... statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal Grant and Cooperative Agreement Act (31 U.S.C. 6306), for property acquired under an award to conduct basic or applied research by a non...
41 CFR 105-72.101 - Definitions.
Code of Federal Regulations, 2012 CFR
2012-01-01
... part with Federal funds, where the Federal awarding agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is... an award to conduct basic or applied research by a non-profit institution of higher education or non...
Code of Federal Regulations, 2011 CFR
2011-01-01
... in whole or in part with Federal funds, where the DoC has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is... an award to conduct basic or applied research by a non-profit institution of higher education or non...
Code of Federal Regulations, 2014 CFR
2014-01-01
... in whole or in part with Federal funds, where the DoC has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is... an award to conduct basic or applied research by a non-profit institution of higher education or non...
Code of Federal Regulations, 2014 CFR
2014-04-01
... agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal Grant and Cooperative Agreement Act (31 U.S.C. 6306), for property acquired under an award to conduct basic or applied research by...
Code of Federal Regulations, 2012 CFR
2012-04-01
... SSA has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal Grant and Cooperative Agreement Act (31 U.S.C. 6306), for property acquired under an award to conduct basic or applied research by...
Code of Federal Regulations, 2013 CFR
2013-01-01
... in whole or in part with Federal funds, where the DoC has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is... an award to conduct basic or applied research by a non-profit institution of higher education or non...
Code of Federal Regulations, 2012 CFR
2012-04-01
... agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal Grant and Cooperative Agreement Act (31 U.S.C. 6306), for property acquired under an award to conduct basic or applied research by...
Code of Federal Regulations, 2010 CFR
2010-01-01
... in whole or in part with Federal funds, where the DoC has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is... an award to conduct basic or applied research by a non-profit institution of higher education or non...
Code of Federal Regulations, 2010 CFR
2010-04-01
... agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal Grant and Cooperative Agreement Act (31 U.S.C. 6306), for property acquired under an award to conduct basic or applied research by...
Code of Federal Regulations, 2011 CFR
2011-04-01
... SSA has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal Grant and Cooperative Agreement Act (31 U.S.C. 6306), for property acquired under an award to conduct basic or applied research by...
Code of Federal Regulations, 2013 CFR
2013-04-01
... agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal Grant and Cooperative Agreement Act (31 U.S.C. 6306), for property acquired under an award to conduct basic or applied research by...
Code of Federal Regulations, 2014 CFR
2014-04-01
... SSA has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal Grant and Cooperative Agreement Act (31 U.S.C. 6306), for property acquired under an award to conduct basic or applied research by...
Code of Federal Regulations, 2011 CFR
2011-04-01
... agency has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal Grant and Cooperative Agreement Act (31 U.S.C. 6306), for property acquired under an award to conduct basic or applied research by...
Code of Federal Regulations, 2010 CFR
2010-04-01
... SSA has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is contained in the Federal Grant and Cooperative Agreement Act (31 U.S.C. 6306), for property acquired under an award to conduct basic or applied research by...
Code of Federal Regulations, 2012 CFR
2012-01-01
... in whole or in part with Federal funds, where the DoC has statutory authority to vest title in the recipient without further obligation to the Federal Government. An example of exempt property authority is... an award to conduct basic or applied research by a non-profit institution of higher education or non...
The Federal Eligibility System as Administered by the Office of Education.
ERIC Educational Resources Information Center
Office of Education (DHEW), Washington, DC.
The Office of Education's system for determining institutional eligibility for access to Federal funds derives from a series of 13 specific statutory mandates. It uses HEGIS (Eigher Education General Information Survey form #2300-1), that provides basic institutional characteristics information, which together with catalogs and other materials,…
24 CFR 203.421 - Allocation of Mutual Mortgage Insurance Fund income or loss.
Code of Federal Regulations, 2011 CFR
2011-04-01
... Mortgage Insurance Fund and Distributive Shares § 203.421 Allocation of Mutual Mortgage Insurance Fund... of the entire Mutual Mortgage Insurance Fund, such net income or such loss to the General Surplus... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Allocation of Mutual Mortgage...
17 CFR 210.12-29 - Mortgage loans on real estate. 1
Code of Federal Regulations, 2010 CFR
2010-04-01
... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Mortgage loans on real estate... § 210.12-29 Mortgage loans on real estate. 1 [For Certain Real Estate Companies] Column A—Description 2... amount of the extended mortgages, explain. 7 If any item of mortgage loans on real estate investments has...
17 CFR 210.12-29 - Mortgage loans on real estate. 1
Code of Federal Regulations, 2011 CFR
2011-04-01
... 17 Commodity and Securities Exchanges 2 2011-04-01 2011-04-01 false Mortgage loans on real estate... § 210.12-29 Mortgage loans on real estate. 1 [For Certain Real Estate Companies] Column A—Description 2... amount of the extended mortgages, explain. 7 If any item of mortgage loans on real estate investments has...
Code of Federal Regulations, 2010 CFR
2010-04-01
... LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Calculation of Mortgage Insurance Premium on Or After July 1, 1991..., that is an obligation of the Mutual Mortgage Insurance Fund, and any mortgage executed on or after...
Code of Federal Regulations, 2011 CFR
2011-04-01
... LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Calculation of Mortgage Insurance Premium on Or After July 1, 1991..., that is an obligation of the Mutual Mortgage Insurance Fund, and any mortgage executed on or after...
46 CFR 356.37 - Operation of a Fishing Industry Vessel by a Mortgage Trustee.
Code of Federal Regulations, 2013 CFR
2013-10-01
... 46 Shipping 8 2013-10-01 2013-10-01 false Operation of a Fishing Industry Vessel by a Mortgage... ENDORSEMENT TO THE VESSEL'S DOCUMENTATION Mortgage Trustees § 356.37 Operation of a Fishing Industry Vessel by a Mortgage Trustee. An approved Mortgage Trustee cannot operate a Fishing Industry Vessel without...
46 CFR 356.37 - Operation of a Fishing Industry Vessel by a Mortgage Trustee.
Code of Federal Regulations, 2014 CFR
2014-10-01
... 46 Shipping 8 2014-10-01 2014-10-01 false Operation of a Fishing Industry Vessel by a Mortgage... ENDORSEMENT TO THE VESSEL'S DOCUMENTATION Mortgage Trustees § 356.37 Operation of a Fishing Industry Vessel by a Mortgage Trustee. An approved Mortgage Trustee cannot operate a Fishing Industry Vessel without...
46 CFR 356.37 - Operation of a Fishing Industry Vessel by a Mortgage Trustee.
Code of Federal Regulations, 2012 CFR
2012-10-01
... 46 Shipping 8 2012-10-01 2012-10-01 false Operation of a Fishing Industry Vessel by a Mortgage... ENDORSEMENT TO THE VESSEL'S DOCUMENTATION Mortgage Trustees § 356.37 Operation of a Fishing Industry Vessel by a Mortgage Trustee. An approved Mortgage Trustee cannot operate a Fishing Industry Vessel without...
Commercial mortgages: An underutilized channel for scaling energy efficiency investments?
DOE Office of Scientific and Technical Information (OSTI.GOV)
Mathew, Paul; Wallace, Nancy; Alschuler, Elena
2016-02-01
Commercial mortgages currently do not fully account for energy factors in underwriting and valuation, particularly as it relates to the impact of energy costs and volatility on an owner’s net operating income. As a consequence, energy efficiency is not properly valued and energy risks are not properly assessed and mitigated. Commercial mortgages are a large lever and could be a significant channel for scaling energy efficiency investments. A pilot analysis of loans with different mortgage contract structures and locations showed that when energy cost volatility was included in mortgage valuation, a 20% reduction in energy use resulted in a 1.3%more » average increase in mortgage value. This suggests that the explicit inclusion of energy use and volatility in mortgage valuation can send a strong price signal that financially rewards and values energy efficiency in commercial properties. This paper presents findings from a scoping study addressing energy factors in commercial mortgages. First, we present a review of current practices as it relates to incorporating energy factors into commercial mortgage underwriting and valuation. Next, we detail the impacts of energy factors on property values, net operating income and mortgage valuation. Building operational practices alone can result in energy use variations from -17% to 87%. Finally, we present a set of proposed interventions to properly address energy factors in commercial mortgages, based on extensive discussions with stakeholders including mortgage originators, underwriters, building owners and regulators.« less
24 CFR 213.259a - Premiums-mortgages insured pursuant to section 238(c) of the Act.
Code of Federal Regulations, 2010 CFR
2010-04-01
.... All of the provisions of §§ 213.253 through 213.259 governing mortgage insurance premiums shall apply... mortgage insurance premiums due on such mortgages in accordance with §§ 213.253 through 213.259 shall be... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Premiums-mortgages insured pursuant...
24 CFR 213.259a - Premiums-mortgages insured pursuant to section 238(c) of the Act.
Code of Federal Regulations, 2011 CFR
2011-04-01
.... All of the provisions of §§ 213.253 through 213.259 governing mortgage insurance premiums shall apply... mortgage insurance premiums due on such mortgages in accordance with §§ 213.253 through 213.259 shall be... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Premiums-mortgages insured pursuant...
ERIC Educational Resources Information Center
Jenkins, Charles R.
2003-01-01
An academic leader needs to have a basic understanding of the relevant constitutional and statutory provisions, evolving laws, and legal issues affecting higher education and the relationship between legal considerations and academic administration. At the same time, an academic leader must focus on accomplishing the goals, objectives, and…
Code of Federal Regulations, 2010 CFR
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Interest rate increase and payment... Interest rate increase and payment of mortgage insurance premiums on mortgages under § 221.60 and § 221.65... continuation of a below market interest rate, interest on such mortgage shall be computed by the mortgagee at...
Federal Register 2010, 2011, 2012, 2013, 2014
2011-01-04
... reporting the sale of a mortgage between investors and/or the transfer of the mortgage servicing... reporting the sale of a mortgage between investors and/or the transfer of the mortgage servicing...
Federal Register 2010, 2011, 2012, 2013, 2014
2013-06-19
... (Veterans Mortgage Life Insurance Statement) Activity: Comment Request AGENCY: Veterans Benefits... to decline Veterans Mortgage Life Insurance. DATES: Written comments and recommendations on the... use of other forms of information technology. Title: Veterans Mortgage Life Insurance Statement, VA...
76 FR 77766 - Submission for OMB Review; Comment Request
Federal Register 2010, 2011, 2012, 2013, 2014
2011-12-14
... regarding the consumer's mortgage loan; With respect to disclosures concerning interest rate adjustments for hybrid adjustable rate mortgages, informing consumers of pending interest rate adjustments, enabling a... (Reset of Hybrid Adjustable Rate Mortgages), 1420 (Periodic Mortgage Loan Statements) and 1463 (Force...
78 FR 70856 - Information Reporting of Mortgage Insurance Premiums
Federal Register 2010, 2011, 2012, 2013, 2014
2013-11-27
... Information Reporting of Mortgage Insurance Premiums AGENCY: Internal Revenue Service (IRS), Treasury. ACTION... regulations that require information reporting by persons who receive mortgage insurance premiums, including... reporting requirements that result from the extension of the treatment of mortgage insurance premiums made...
Federal Register 2010, 2011, 2012, 2013, 2014
2011-05-02
... (Veterans Mortgage Life Insurance Inquiry); Comment Request AGENCY: Veterans Benefits Administration... maintain Veterans Mortgage Life Insurance accounts. DATES: Written comments and recommendations on the... use of other forms of information technology. Title: Veterans Mortgage Life Insurance Inquiry, VA Form...
Federal Register 2010, 2011, 2012, 2013, 2014
2010-11-04
... (Veterans Mortgage Life Insurance Statement) Activity: Comment Request AGENCY: Veterans Benefits... to decline Veterans Mortgage Life Insurance. DATES: Written comments and recommendations on the... techniques or the use of other forms of information technology. Title: Veterans Mortgage Life Insurance...
24 CFR 242.86 - Property and mortgage assessment.
Code of Federal Regulations, 2014 CFR
2014-04-01
... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Property and mortgage assessment... AUTHORITIES MORTGAGE INSURANCE FOR HOSPITALS Miscellaneous Requirements § 242.86 Property and mortgage... responsibility for making those investigations, analysis, and inspections it deems necessary for protecting its...
76 FR 6185 - Registration of Mortgage Loan Originators
Federal Register 2010, 2011, 2012, 2013, 2014
2011-02-03
... UNION ADMINISTRATION Registration of Mortgage Loan Originators AGENCY: Office of the Comptroller of the..., Agency-regulated institutions) who act as a residential mortgage loan originator to register with the... registration system for mortgage loan originators. Specifically, the Act requires: (1) All States to provide...
78 FR 39290 - Proposed Collection; Comment Request
Federal Register 2010, 2011, 2012, 2013, 2014
2013-07-01
... project, known as the ``National Mortgage Database,'' which is a joint effort of FHFA and the Consumer... a database of timely and otherwise unavailable residential mortgage market information to be made... Mortgage Database. The key purpose of the National Mortgage Database is to make accessible accurate...
Code of Federal Regulations, 2010 CFR
2010-01-01
.... Enterprise means the Federal National Mortgage Association or the Federal Home Loan Mortgage Corporation; and “Enterprises” means, collectively, the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. Federal Home Loan Bank, or Bank, means a Federal Home Loan Bank established under section 12 of...
Keene, Danya E; Cowan, Sarah K; Baker, Amy Castro
2015-05-01
We analyzed experiences of stigmatization, concealment, and isolation among African American homeowners who were experiencing mortgage strain. We conducted semistructured interviews between March 2012 and May 2013 with 28 African American homeowners in a northeastern US city who were experiencing mortgage strain. We coded all of the transcripts and reviewed data for codes relating to stigma, sharing information, social support, social isolation, and the meaning of homeownership. Our data showed that mortgage strain can be a concealable stigma. Participants internalized this stigma, expressing shame about their mortgage situation. Additionally, some participants anticipated that others would view them as less worthy given their mortgage trouble. In an effort to avoid stigmatization, many concealed their mortgage trouble, which often led to isolation. This stigmatization, concealment, and isolation seemed to contribute to participants' depression, anxiety, and emotional distress. Stigma may exacerbate stress associated with mortgage strain and contribute to poor mental health, particularly among upwardly mobile African Americans who have overcome significant structural barriers to home ownership. Reducing stigma associated with mortgage strain may help to reduce the health consequences of this stressful life event.
12 CFR 614.4055 - Federal Agricultural Mortgage Corporation loan participations.
Code of Federal Regulations, 2014 CFR
2014-01-01
... 12 Banks and Banking 7 2014-01-01 2014-01-01 false Federal Agricultural Mortgage Corporation loan... POLICIES AND OPERATIONS Lending Authorities § 614.4055 Federal Agricultural Mortgage Corporation loan... direct lender association may buy from, and sell to, the Federal Agricultural Mortgage Corporation...
24 CFR 203.436 - Claim procedure-graduated payment mortgages.
Code of Federal Regulations, 2011 CFR
2011-04-01
... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Claim procedure-graduated payment... AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Graduated Payment Mortgages § 203.436 Claim procedure—graduated payment mortgages. All of the provisions of this subpart are applicable...
24 CFR 203.436 - Claim procedure-graduated payment mortgages.
Code of Federal Regulations, 2010 CFR
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Claim procedure-graduated payment... AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Graduated Payment Mortgages § 203.436 Claim procedure—graduated payment mortgages. All of the provisions of this subpart are applicable...
24 CFR 203.436 - Claim procedure-graduated payment mortgages.
Code of Federal Regulations, 2014 CFR
2014-04-01
... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Claim procedure-graduated payment... AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Graduated Payment Mortgages § 203.436 Claim procedure—graduated payment mortgages. All of the provisions of this subpart are applicable...
24 CFR 203.436 - Claim procedure-graduated payment mortgages.
Code of Federal Regulations, 2012 CFR
2012-04-01
... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false Claim procedure-graduated payment... AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Graduated Payment Mortgages § 203.436 Claim procedure—graduated payment mortgages. All of the provisions of this subpart are applicable...
24 CFR 203.436 - Claim procedure-graduated payment mortgages.
Code of Federal Regulations, 2013 CFR
2013-04-01
... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Claim procedure-graduated payment... AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Graduated Payment Mortgages § 203.436 Claim procedure—graduated payment mortgages. All of the provisions of this subpart are applicable...
Federal Register 2010, 2011, 2012, 2013, 2014
2012-04-18
... Collection; Comment Request: Home Equity Conversion Mortgage Counseling Client Survey AGENCY: Office of the... information: Title of Proposal: Home Equity Conversion Mortgage Counseling Client Survey. OMB Control Number... reverse mortgage counseling. As part of HUD's evaluation of its HECM counseling program, performance...
Federal Register 2010, 2011, 2012, 2013, 2014
2011-06-21
... FARM CREDIT ADMINISTRATION 12 CFR Parts 651 and 652 RIN 3052-AC51 Federal Agricultural Mortgage Corporation Governance and Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Risk- Based Capital Requirements; Effective Date AGENCY: Farm Credit Administration. ACTION: Notice of effective date...
12 CFR 1731.3 - Unsafe and unsound conduct.
Code of Federal Regulations, 2010 CFR
2010-01-01
... DEVELOPMENT SAFETY AND SOUNDNESS MORTGAGE FRAUD REPORTING § 1731.3 Unsafe and unsound conduct. An Enterprise may not require the repurchase of or may not decline to purchase a mortgage, mortgage backed security, or similar financial instrument because of possible mortgage fraud without promptly reporting to the...
75 FR 41876 - Disclosure of Adjustable Rate Mortgages (ARMs) Rates
Federal Register 2010, 2011, 2012, 2013, 2014
2010-07-19
... Rate Mortgages (ARMs) Rates AGENCY: Office of the Chief Information Officer, HUD. ACTION: Notice..., an annual disclosure is required to reflect any adjustment to the interest rate and monthly mortgage... lists the following information: Title of Proposal: Disclosure of Adjustable Rate Mortgages (ARMs) Rates...
24 CFR 266.600 - Mortgage insurance premium: Insurance upon completion.
Code of Federal Regulations, 2010 CFR
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium... MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.600 Mortgage insurance premium: Insurance upon completion. (a) Initial premium. For projects insured upon completion, on...
24 CFR 203.280 - One-time or Up-front MIP.
Code of Federal Regulations, 2010 CFR
2010-04-01
... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-One-Time... endorsement of the mortgage for insurance, pay to the Commissioner for the account of the mortgagor, in a...
24 CFR 203.266 - Period covered by periodic MIP.
Code of Federal Regulations, 2010 CFR
2010-04-01
... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums... with the date of the issuance of a Mortgage Insurance Certificate and ending on the next anniversary of...
24 CFR 203.266 - Period covered by periodic MIP.
Code of Federal Regulations, 2011 CFR
2011-04-01
... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums... with the date of the issuance of a Mortgage Insurance Certificate and ending on the next anniversary of...
24 CFR 203.280 - One-time or Up-front MIP.
Code of Federal Regulations, 2011 CFR
2011-04-01
... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-One-Time... endorsement of the mortgage for insurance, pay to the Commissioner for the account of the mortgagor, in a...
24 CFR 266.600 - Mortgage insurance premium: Insurance upon completion.
Code of Federal Regulations, 2011 CFR
2011-04-01
... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Mortgage insurance premium... MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.600 Mortgage insurance premium: Insurance upon completion. (a) Initial premium. For projects insured upon completion, on...
Federal Register 2010, 2011, 2012, 2013, 2014
2011-07-11
... Administration (FHA) Mortgage Insurance Premiums for Multifamily Housing Programs, Health Care Facilities and... mortgage insurance premiums (MIPs) for FHA Multifamily Housing, Health Care Facilities, and Hospital... implement any premium changes for FY 2011 for the multifamily mortgage insurance programs, health care...
ERIC Educational Resources Information Center
Lewis, Donald Marion
1979-01-01
Demonstrates the role the guarantee of due process can play in ensuring that vital interests in public education not be lost through erroneous assessments of a student's proficiency in basic skills, and describes the limits constitutional and statutory guarantees of equal educational opportunity place on the use of competency testing. (Author/IRT)
ERIC Educational Resources Information Center
Uerling, Donald F.
This paper discusses some basic constitutional and statutory principles related to affirmative action and reverse discrimination in employment of educational personnel. The specifications of the Equal Protection Clause of the 14th Amendment, Title VII of the Civil Rights Act of 1964, other statutes and regulations, and selected Supreme Court cases…
29 CFR 5.23 - The statutory provisions.
Code of Federal Regulations, 2011 CFR
2011-07-01
... of wages”, “wage rates”, “minimum wages”, and “prevailing wages” shall include— (1) The basic hourly rate of pay; and (2) The amount of— (A) The rate of contribution irrevocably made by a contractor or subcontractor to a trustee or to a third person pursuant to a fund, plan, or program; and (B) The rate of costs...
29 CFR 5.23 - The statutory provisions.
Code of Federal Regulations, 2010 CFR
2010-07-01
... of wages”, “wage rates”, “minimum wages”, and “prevailing wages” shall include— (1) The basic hourly rate of pay; and (2) The amount of— (A) The rate of contribution irrevocably made by a contractor or subcontractor to a trustee or to a third person pursuant to a fund, plan, or program; and (B) The rate of costs...
20 CFR 10.6 - What special statutory definitions apply to dependents and survivors?
Code of Federal Regulations, 2012 CFR
2012-04-01
... basic benefit augmented at a specified rate for certain persons who live in the beneficiary's household... benefit or an augmented benefit, apply to the provisions of this part but not to the death gratuity... necessary to qualify as a beneficiary for a death gratuity benefit as well as allowing half the death...
29 CFR 5.23 - The statutory provisions.
Code of Federal Regulations, 2013 CFR
2013-07-01
... of wages”, “wage rates”, “minimum wages”, and “prevailing wages” shall include— (1) The basic hourly rate of pay; and (2) The amount of— (A) The rate of contribution irrevocably made by a contractor or subcontractor to a trustee or to a third person pursuant to a fund, plan, or program; and (B) The rate of costs...
29 CFR 5.23 - The statutory provisions.
Code of Federal Regulations, 2012 CFR
2012-07-01
... of wages”, “wage rates”, “minimum wages”, and “prevailing wages” shall include— (1) The basic hourly rate of pay; and (2) The amount of— (A) The rate of contribution irrevocably made by a contractor or subcontractor to a trustee or to a third person pursuant to a fund, plan, or program; and (B) The rate of costs...
20 CFR 10.6 - What special statutory definitions apply to dependents and survivors?
Code of Federal Regulations, 2014 CFR
2014-04-01
... basic benefit augmented at a specified rate for certain persons who live in the beneficiary's household... benefit or an augmented benefit, apply to the provisions of this part but not to the death gratuity... necessary to qualify as a beneficiary for a death gratuity benefit as well as allowing half the death...
20 CFR 10.6 - What special statutory definitions apply to dependents and survivors?
Code of Federal Regulations, 2013 CFR
2013-04-01
... basic benefit augmented at a specified rate for certain persons who live in the beneficiary's household... benefit or an augmented benefit, apply to the provisions of this part but not to the death gratuity... necessary to qualify as a beneficiary for a death gratuity benefit as well as allowing half the death...
29 CFR 5.23 - The statutory provisions.
Code of Federal Regulations, 2014 CFR
2014-07-01
... of wages”, “wage rates”, “minimum wages”, and “prevailing wages” shall include— (1) The basic hourly rate of pay; and (2) The amount of— (A) The rate of contribution irrevocably made by a contractor or subcontractor to a trustee or to a third person pursuant to a fund, plan, or program; and (B) The rate of costs...
NLRB: The First 50 Years. The Story of the National Labor Relations Board 1935-1985.
ERIC Educational Resources Information Center
National Labor Relations Board, Washington, DC.
The National Labor Relations Board (NLRB) is an independent federal agency created in 1935 by Congress to administer the National Labor Relations Act, the basic law governing relations between labor unions and business enterprises engaged in operations affecting interstate commerce. In its statutory assignment, the NLRB has two principal…
24 CFR 4001.106 - Eligible mortgagors.
Code of Federal Regulations, 2010 CFR
2010-04-01
... 24 Housing and Urban Development 5 2010-04-01 2010-04-01 false Eligible mortgagors. 4001.106... March 1, 2008, a total monthly mortgage payment (based on mortgages outstanding on March 1, 2008) of... after March 1, 2008, the mortgagor has a total monthly mortgage payment (based on mortgages outstanding...
Federal Register 2010, 2011, 2012, 2013, 2014
2010-11-04
... Mortgage Life Insurance Statement) Activity Under OMB Review AGENCY: Veterans Benefits Administration... . Please refer to ``OMB Control No. 2900- 0212.'' SUPPLEMENTARY INFORMATION: Title: Veterans Mortgage Life... currently approved collection. Abstract: Veterans complete VA Form 29-8636 to decline Veterans Mortgage Life...
Federal Register 2010, 2011, 2012, 2013, 2014
2013-09-24
... Mortgage Life Insurance Statement) Activity Under OMB Review AGENCY: Veterans Benefits Administration... INFORMATION: Title: Veterans Mortgage Life Insurance Statement, VA Form 29-8636. OMB Control Number: 2900-0212...-8636 to decline Veterans Mortgage Life Insurance (VMLI) or to provide information upon which the...
24 CFR 203.45 - Eligibility of graduated payment mortgages.
Code of Federal Regulations, 2012 CFR
2012-04-01
... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false Eligibility of graduated payment mortgages. 203.45 Section 203.45 Housing and Urban Development Regulations Relating to Housing and Urban... Properties § 203.45 Eligibility of graduated payment mortgages. A mortgage containing provisions for varying...
24 CFR 203.45 - Eligibility of graduated payment mortgages.
Code of Federal Regulations, 2014 CFR
2014-04-01
... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Eligibility of graduated payment mortgages. 203.45 Section 203.45 Housing and Urban Development Regulations Relating to Housing and Urban... Properties § 203.45 Eligibility of graduated payment mortgages. A mortgage containing provisions for varying...
24 CFR 203.45 - Eligibility of graduated payment mortgages.
Code of Federal Regulations, 2013 CFR
2013-04-01
... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Eligibility of graduated payment mortgages. 203.45 Section 203.45 Housing and Urban Development Regulations Relating to Housing and Urban... Properties § 203.45 Eligibility of graduated payment mortgages. A mortgage containing provisions for varying...
24 CFR 203.45 - Eligibility of graduated payment mortgages.
Code of Federal Regulations, 2011 CFR
2011-04-01
... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Eligibility of graduated payment mortgages. 203.45 Section 203.45 Housing and Urban Development Regulations Relating to Housing and Urban... Properties § 203.45 Eligibility of graduated payment mortgages. A mortgage containing provisions for varying...
Code of Federal Regulations, 2011 CFR
2011-04-01
... FORECLOSURE OF MULTIFAMILY AND SINGLE FAMILY MORTGAGES Nonjudicial Foreclosure of Multifamily Mortgages § 27.1... Multifamily Mortgage Foreclosure Act of 1981 (the Act) (12 U.S.C. 3701-3717), that clarify, or are in addition... multifamily mortgages. Under a delegation of authority published on February 5, 1982 (47 FR 5468), the...
Code of Federal Regulations, 2012 CFR
2012-04-01
... FORECLOSURE OF MULTIFAMILY AND SINGLE FAMILY MORTGAGES Nonjudicial Foreclosure of Multifamily Mortgages § 27.1... Multifamily Mortgage Foreclosure Act of 1981 (the Act) (12 U.S.C. 3701-3717), that clarify, or are in addition... multifamily mortgages. Under a delegation of authority published on February 5, 1982 (47 FR 5468), the...
Code of Federal Regulations, 2014 CFR
2014-04-01
... FORECLOSURE OF MULTIFAMILY AND SINGLE FAMILY MORTGAGES Nonjudicial Foreclosure of Multifamily Mortgages § 27.1... Multifamily Mortgage Foreclosure Act of 1981 (the Act) (12 U.S.C. 3701-3717), that clarify, or are in addition... multifamily mortgages. Under a delegation of authority published on February 5, 1982 (47 FR 5468), the...
Code of Federal Regulations, 2010 CFR
2010-04-01
... FORECLOSURE OF MULTIFAMILY AND SINGLE FAMILY MORTGAGES Nonjudicial Foreclosure of Multifamily Mortgages § 27.1... Multifamily Mortgage Foreclosure Act of 1981 (the Act) (12 U.S.C. 3701-3717), that clarify, or are in addition... multifamily mortgages. Under a delegation of authority published on February 5, 1982 (47 FR 5468), the...
24 CFR 203.353 - Certification by mortgagee.
Code of Federal Regulations, 2010 CFR
2010-04-01
... SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Assignment of Mortgage § 203.353... Commissioner that: (a) Priority of mortgage to liens. The mortgage is prior to all mechanics' and materialmen's liens filed of record, regardless of when such liens attach, and prior to all liens and encumbrances, or...
Federal Register 2010, 2011, 2012, 2013, 2014
2011-02-02
... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5480-N-09] Notice of Submission of Proposed Information Collection to OMB Home Equity Conversion Mortgage (HECM) Insurance Application for...: Title of Proposal: Home Equity Conversion Mortgage (HECM) Insurance Application for Reverse Mortgages...
75 FR 35030 - Home Mortgage Disclosure Act; Notice of Hearings
Federal Register 2010, 2011, 2012, 2013, 2014
2010-06-21
... FEDERAL RESERVE SYSTEM [Docket No. OP-1388] RIN 7100-AD51 Home Mortgage Disclosure Act; Notice of... revisions to the Board's Regulation C, which implements the Home Mortgage Disclosure Act (HMDA). HMDA.... SUPPLEMENTARY INFORMATION: I. Background A. HMDA and Regulation C The Home Mortgage Disclosure Act (HMDA), 12 U...
Federal Register 2010, 2011, 2012, 2013, 2014
2012-04-11
... Proposed Information Collection to OMB Single Family Mortgage Insurance on Hawaiian Homelands AGENCY... subject proposal. FHA insures mortgages on single-family dwellings under provisions of the National...: Single Family Mortgage Insurance on Hawaiian Homelands. OMB Approval Number: 2502-0358. Form Numbers...
24 CFR 203.422 - Right and liability under Mutual Mortgage Insurance Fund.
Code of Federal Regulations, 2010 CFR
2010-04-01
... Mortgage Insurance Fund and Distributive Shares § 203.422 Right and liability under Mutual Mortgage... to any liability arising under the mutuality of the Mutual Mortgage Insurance Fund. ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Right and liability under Mutual...
24 CFR 203.422 - Right and liability under Mutual Mortgage Insurance Fund.
Code of Federal Regulations, 2011 CFR
2011-04-01
... Mortgage Insurance Fund and Distributive Shares § 203.422 Right and liability under Mutual Mortgage... to any liability arising under the mutuality of the Mutual Mortgage Insurance Fund. ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Right and liability under Mutual...
24 CFR 266.608 - Mortgage insurance premium: Pro rata refund.
Code of Federal Regulations, 2010 CFR
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Pro... PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.608 Mortgage insurance premium: Pro rata refund. If the Contract of Insurance is terminated by payment in full or is terminated...
31 CFR 337.13 - Payment of mortgage insurance premiums.
Code of Federal Regulations, 2010 CFR
2010-07-01
... insurance premiums. When book-entry debentures are being purchased prior to maturity to pay for mortgage insurance premiums, the difference between the amount of the debentures purchased and the mortgage insurance... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false Payment of mortgage insurance...
24 CFR 241.1030 - Mortgage insurance premiums.
Code of Federal Regulations, 2010 CFR
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premiums. 241... Loans-Eligibility Requirements § 241.1030 Mortgage insurance premiums. The lender, upon endorsement of the note, shall pay the Commissioner a first mortgage insurance premium equal to 0.5 percent of the...
24 CFR 203.260 - Amount of mortgage insurance premium (periodic MIP).
Code of Federal Regulations, 2010 CFR
2010-04-01
... Mortgage Insurance Premiums-Periodic Payment § 203.260 Amount of mortgage insurance premium (periodic MIP... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Amount of mortgage insurance premium (periodic MIP). 203.260 Section 203.260 Housing and Urban Development Regulations Relating to...
24 CFR 206.111 - Due date of MIP.
Code of Federal Regulations, 2010 CFR
2010-04-01
... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums § 206.111 Due date... of closing and as a condition to the endorsement of the mortgage for insurance. (b) Monthly MIP. Each...
24 CFR 241.1030 - Mortgage insurance premiums.
Code of Federal Regulations, 2011 CFR
2011-04-01
... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Mortgage insurance premiums. 241... Loans-Eligibility Requirements § 241.1030 Mortgage insurance premiums. The lender, upon endorsement of the note, shall pay the Commissioner a first mortgage insurance premium equal to 0.5 percent of the...
31 CFR 337.13 - Payment of mortgage insurance premiums.
Code of Federal Regulations, 2011 CFR
2011-07-01
... 31 Money and Finance:Treasury 2 2011-07-01 2011-07-01 false Payment of mortgage insurance premiums... premiums. When book-entry debentures are being purchased prior to maturity to pay for mortgage insurance premiums, the difference between the amount of the debentures purchased and the mortgage insurance premiums...
24 CFR 203.260 - Amount of mortgage insurance premium (periodic MIP).
Code of Federal Regulations, 2011 CFR
2011-04-01
... Mortgage Insurance Premiums-Periodic Payment § 203.260 Amount of mortgage insurance premium (periodic MIP... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Amount of mortgage insurance premium (periodic MIP). 203.260 Section 203.260 Housing and Urban Development Regulations Relating to...
24 CFR 266.608 - Mortgage insurance premium: Pro rata refund.
Code of Federal Regulations, 2011 CFR
2011-04-01
... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Mortgage insurance premium: Pro... PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.608 Mortgage insurance premium: Pro rata refund. If the Contract of Insurance is terminated by payment in full or is terminated...
24 CFR 206.111 - Due date of MIP.
Code of Federal Regulations, 2011 CFR
2011-04-01
... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums § 206.111 Due date... of closing and as a condition to the endorsement of the mortgage for insurance. (b) Monthly MIP. Each...
31 CFR 337.8 - Payment of mortgage insurance premiums.
Code of Federal Regulations, 2011 CFR
2011-07-01
... 31 Money and Finance:Treasury 2 2011-07-01 2011-07-01 false Payment of mortgage insurance premiums... proceeds thereof be applied to pay for mortgage insurance premiums, any difference between the amount of the debentures purchased and the amount of the mortgage insurance premium will generally be issued to...
Code of Federal Regulations, 2010 CFR
2010-10-01
... section. (e) Filing. You must file the Mortgage with the United States Coast Guard's National Vessel... Shipyard Project, a security interest may be perfected by a filing under the Uniform Commercial Code. (b... Mortgage, you must deliver to us the Mortgage and evidence of the filing of the security interest. (f...
24 CFR 203.420 - Nature of Mutual Mortgage Insurance Fund.
Code of Federal Regulations, 2013 CFR
2013-04-01
... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Nature of Mutual Mortgage Insurance Fund. 203.420 Section 203.420 Housing and Urban Development Regulations Relating to Housing and Urban... and Distributive Shares § 203.420 Nature of Mutual Mortgage Insurance Fund. The Mutual Mortgage...
24 CFR 203.420 - Nature of Mutual Mortgage Insurance Fund.
Code of Federal Regulations, 2010 CFR
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Nature of Mutual Mortgage Insurance Fund. 203.420 Section 203.420 Housing and Urban Development Regulations Relating to Housing and Urban... and Distributive Shares § 203.420 Nature of Mutual Mortgage Insurance Fund. The Mutual Mortgage...
24 CFR 203.420 - Nature of Mutual Mortgage Insurance Fund.
Code of Federal Regulations, 2014 CFR
2014-04-01
... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Nature of Mutual Mortgage Insurance Fund. 203.420 Section 203.420 Housing and Urban Development Regulations Relating to Housing and Urban... and Distributive Shares § 203.420 Nature of Mutual Mortgage Insurance Fund. The Mutual Mortgage...
24 CFR 203.420 - Nature of Mutual Mortgage Insurance Fund.
Code of Federal Regulations, 2012 CFR
2012-04-01
... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false Nature of Mutual Mortgage Insurance Fund. 203.420 Section 203.420 Housing and Urban Development Regulations Relating to Housing and Urban... and Distributive Shares § 203.420 Nature of Mutual Mortgage Insurance Fund. The Mutual Mortgage...
24 CFR 203.420 - Nature of Mutual Mortgage Insurance Fund.
Code of Federal Regulations, 2011 CFR
2011-04-01
... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Nature of Mutual Mortgage Insurance Fund. 203.420 Section 203.420 Housing and Urban Development Regulations Relating to Housing and Urban... and Distributive Shares § 203.420 Nature of Mutual Mortgage Insurance Fund. The Mutual Mortgage...
78 FR 63379 - Registration of Mortgage Loan Originators; Effective Date
Federal Register 2010, 2011, 2012, 2013, 2014
2013-10-24
... FARM CREDIT ADMINISTRATION 12 CFR Part 610 RIN 3052-AC78 Registration of Mortgage Loan Originators... loan originators employed by Farm Credit System (FCS or System) institutions. We repealed these... Enforcement for Mortgage Licensing Act (S.A.F.E. Act), which require residential mortgage loan originators at...
24 CFR 200.121 - Requirements and effectiveness.
Code of Federal Regulations, 2010 CFR
2010-04-01
... mortgage delinquencies, defaults, reinstatements, assignment elections, withdrawals of assignment elections... fewer than 10 multifamily mortgages may continue to report mortgage delinquencies, defaults...
Federal Register 2010, 2011, 2012, 2013, 2014
2011-07-08
... Mortgage Life Insurance-- Change of Address Statement) Activity Under OMB Review AGENCY: Veterans Benefits... Mortgage Life Insurance--Change of Address Statement, VA Form 29-0563. OMB Control Number: 2900-0503. Type... Mortgage Life Insurance when an address change for the veteran is received. VA uses the data collected to...
12 CFR 652.40 - Stress tests for mortgage securities.
Code of Federal Regulations, 2010 CFR
2010-01-01
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Stress tests for mortgage securities. 652.40... MORTGAGE CORPORATION FUNDING AND FISCAL AFFAIRS Investment Management § 652.40 Stress tests for mortgage securities. (a) You must perform stress tests to determine how interest rate changes will affect the cashflow...
12 CFR 652.40 - Stress tests for mortgage securities.
Code of Federal Regulations, 2012 CFR
2012-01-01
... MORTGAGE CORPORATION FUNDING AND FISCAL AFFAIRS Investment Management § 652.40 Stress tests for mortgage securities. (a) You must perform stress tests to determine how interest rate changes will affect the cashflow... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Stress tests for mortgage securities. 652.40...
12 CFR 652.40 - Stress tests for mortgage securities.
Code of Federal Regulations, 2011 CFR
2011-01-01
... MORTGAGE CORPORATION FUNDING AND FISCAL AFFAIRS Investment Management § 652.40 Stress tests for mortgage securities. (a) You must perform stress tests to determine how interest rate changes will affect the cashflow... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Stress tests for mortgage securities. 652.40...
12 CFR 652.40 - Stress tests for mortgage securities.
Code of Federal Regulations, 2013 CFR
2013-01-01
... MORTGAGE CORPORATION FUNDING AND FISCAL AFFAIRS Investment Management § 652.40 Stress tests for mortgage securities. (a) You must perform stress tests to determine how interest rate changes will affect the cashflow... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Stress tests for mortgage securities. 652.40...
12 CFR 619.9230 - Open-end mortgage loan plans.
Code of Federal Regulations, 2012 CFR
2012-01-01
... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Open-end mortgage loan plans. 619.9230 Section 619.9230 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9230 Open-end mortgage loan plans. A mortgage loan which permits the borrower to obtain additional sums during...
12 CFR 619.9230 - Open-end mortgage loan plans.
Code of Federal Regulations, 2010 CFR
2010-01-01
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Open-end mortgage loan plans. 619.9230 Section 619.9230 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9230 Open-end mortgage loan plans. A mortgage loan which permits the borrower to obtain additional sums during...
12 CFR 619.9230 - Open-end mortgage loan plans.
Code of Federal Regulations, 2011 CFR
2011-01-01
... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Open-end mortgage loan plans. 619.9230 Section 619.9230 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9230 Open-end mortgage loan plans. A mortgage loan which permits the borrower to obtain additional sums during...
12 CFR 619.9230 - Open-end mortgage loan plans.
Code of Federal Regulations, 2014 CFR
2014-01-01
... 12 Banks and Banking 7 2014-01-01 2014-01-01 false Open-end mortgage loan plans. 619.9230 Section 619.9230 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9230 Open-end mortgage loan plans. A mortgage loan which permits the borrower to obtain additional sums during...
12 CFR 619.9230 - Open-end mortgage loan plans.
Code of Federal Regulations, 2013 CFR
2013-01-01
... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Open-end mortgage loan plans. 619.9230 Section 619.9230 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9230 Open-end mortgage loan plans. A mortgage loan which permits the borrower to obtain additional sums during...
26 CFR 1.6050H-3T - Information reporting of mortgage insurance premiums (temporary).
Code of Federal Regulations, 2011 CFR
2011-04-01
....6050H-3T Information reporting of mortgage insurance premiums (temporary). (a) Information reporting... premiums, for mortgage insurance (as described in paragraph (b) of this section) from any individual... paragraph (a) of this section applies to the receipt of all payments of mortgage insurance premiums, by cash...
24 CFR 203.29 - Eligible mortgages in Alaska, Guam, Hawaii, or the Virgin Islands.
Code of Federal Regulations, 2010 CFR
2010-04-01
..., Hawaii, or the Virgin Islands. 203.29 Section 203.29 Housing and Urban Development Regulations Relating... Requirements and Underwriting Procedures Eligible Mortgages § 203.29 Eligible mortgages in Alaska, Guam, Hawaii..., Guam, Hawaii or the Virgin Islands, the Commissioner may increase the maximum mortgage amount permitted...
Financial Literacy and the Use of Interest-Only Mortgages
ERIC Educational Resources Information Center
Seay, Martin C.; Preece, Gloria L.; Le, Vincent C.
2017-01-01
This study explored the relationship between financial literacy and the use of interest-only mortgages using data from the 2009 National Financial Capability Study (NFCS). A series of analyses were conducted to investigate characteristics associated with the use of an interest-only mortgage as a primary mortgage, as compared to fixed-rate mortgage…
Federal Register 2010, 2011, 2012, 2013, 2014
2011-06-30
... Parts 30 and 3400 SAFE Mortgage Licensing Act: Minimum Licensing Standards and Oversight... No. FR-5271-F-03] RIN 2502-A170 SAFE Mortgage Licensing Act: Minimum Licensing Standards and... pursuant to the Secure and Fair Enforcement Mortgage Licensing Act of 2008 (SAFE Act or Act), to ensure...
17 CFR 210.12-23 - Mortgage loans on real estate and interest earned on mortgages. 1
Code of Federal Regulations, 2014 CFR
2014-04-01
... business (total) Unimproved (total) Total 12 1 All money columns shall be totaled. 2 If mortgages represent... profit and loss or income statement, interest income earned applicable to period from mortgages sold or... column C includes intercompany profits, state the bases of the transactions resulting in such profits and...
25 CFR 162.582 - May a lessee mortgage a WSR lease?
Code of Federal Regulations, 2013 CFR
2013-04-01
... 25 Indians 1 2013-04-01 2013-04-01 false May a lessee mortgage a WSR lease? 162.582 Section 162.582 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR LAND AND WATER LEASES AND PERMITS Wind and Solar Resource Leases Wsr Leasehold Mortgages § 162.582 May a lessee mortgage a WSR lease? (a...
25 CFR 162.582 - May a lessee mortgage a WSR lease?
Code of Federal Regulations, 2014 CFR
2014-04-01
... 25 Indians 1 2014-04-01 2014-04-01 false May a lessee mortgage a WSR lease? 162.582 Section 162.582 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR LAND AND WATER LEASES AND PERMITS Wind and Solar Resource Leases Wsr Leasehold Mortgages § 162.582 May a lessee mortgage a WSR lease? (a...
Code of Federal Regulations, 2011 CFR
2011-04-01
... 27 Alcohol, Tobacco Products and Firearms 1 2011-04-01 2011-04-01 false Mortgages. 6.34 Section 6.34 Alcohol, Tobacco Products and Firearms ALCOHOL AND TOBACCO TAX AND TRADE BUREAU, DEPARTMENT OF THE TREASURY LIQUORS âTIED-HOUSEâ Unlawful Inducements Interest in Retail Property § 6.34 Mortgages. The acquisition of a mortgage on a retailer's real...
Code of Federal Regulations, 2010 CFR
2010-04-01
... 27 Alcohol, Tobacco Products and Firearms 1 2010-04-01 2010-04-01 false Mortgages. 6.34 Section 6.34 Alcohol, Tobacco Products and Firearms ALCOHOL AND TOBACCO TAX AND TRADE BUREAU, DEPARTMENT OF THE TREASURY LIQUORS âTIED-HOUSEâ Unlawful Inducements Interest in Retail Property § 6.34 Mortgages. The acquisition of a mortgage on a retailer's real...
Federal Register 2010, 2011, 2012, 2013, 2014
2013-01-31
... Parts 1024 and 1026 High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending... 1026 [Docket No. CFPB-2012-0029] RIN 3170-AA12 High-Cost Mortgage and Homeownership Counseling... practices in refinancing and home-equity mortgage loans with high interest rates or high fees. Loans that...
Code of Federal Regulations, 2010 CFR
2010-04-01
... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums § 206.115 [Reserved] ...
Code of Federal Regulations, 2010 CFR
2010-04-01
... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums § 206.116 Refunds...
Code of Federal Regulations, 2011 CFR
2011-04-01
... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums § 206.115 [Reserved] ...
Code of Federal Regulations, 2011 CFR
2011-04-01
... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums § 206.116 Refunds...
24 CFR 206.113 - Late charge and interest.
Code of Federal Regulations, 2010 CFR
2010-04-01
... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums...
24 CFR 203.264 - Payment of periodic MIP.
Code of Federal Regulations, 2011 CFR
2011-04-01
... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-Periodic...
24 CFR 206.113 - Late charge and interest.
Code of Federal Regulations, 2011 CFR
2011-04-01
... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums...
24 CFR 203.261 - Calculation of periodic MIP.
Code of Federal Regulations, 2010 CFR
2010-04-01
... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums...
24 CFR 203.262 - Due date of periodic MIP.
Code of Federal Regulations, 2010 CFR
2010-04-01
... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-Periodic...
24 CFR 203.261 - Calculation of periodic MIP.
Code of Federal Regulations, 2011 CFR
2011-04-01
... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums...
24 CFR 203.262 - Due date of periodic MIP.
Code of Federal Regulations, 2011 CFR
2011-04-01
... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-Periodic...
17 CFR 240.3a12-4 - Exemptions from sections 15(a) and 15(c)(3) for certain mortgage securities.
Code of Federal Regulations, 2014 CFR
2014-04-01
... in this Rule the following terms shall have the meanings indicated: (1) The term whole loan mortgage... entire evidence of indebtedness. (2) The term aggregated whole loan mortgage means two or more whole loan... interest means an undivided interest representing one of only two such interests in a whole loan mortgage...
17 CFR 240.3a12-4 - Exemptions from sections 15(a) and 15(c)(3) for certain mortgage securities.
Code of Federal Regulations, 2011 CFR
2011-04-01
... in this Rule the following terms shall have the meanings indicated: (1) The term whole loan mortgage... entire evidence of indebtedness. (2) The term aggregated whole loan mortgage means two or more whole loan... interest means an undivided interest representing one of only two such interests in a whole loan mortgage...
17 CFR 240.3a12-4 - Exemptions from sections 15(a) and 15(c)(3) for certain mortgage securities.
Code of Federal Regulations, 2012 CFR
2012-04-01
... in this Rule the following terms shall have the meanings indicated: (1) The term whole loan mortgage... entire evidence of indebtedness. (2) The term aggregated whole loan mortgage means two or more whole loan... interest means an undivided interest representing one of only two such interests in a whole loan mortgage...
17 CFR 240.3a12-4 - Exemptions from sections 15(a) and 15(c)(3) for certain mortgage securities.
Code of Federal Regulations, 2010 CFR
2010-04-01
... in this Rule the following terms shall have the meanings indicated: (1) The term whole loan mortgage... entire evidence of indebtedness. (2) The term aggregated whole loan mortgage means two or more whole loan... interest means an undivided interest representing one of only two such interests in a whole loan mortgage...
17 CFR 240.3a12-4 - Exemptions from sections 15(a) and 15(c)(3) for certain mortgage securities.
Code of Federal Regulations, 2013 CFR
2013-04-01
... in this Rule the following terms shall have the meanings indicated: (1) The term whole loan mortgage... entire evidence of indebtedness. (2) The term aggregated whole loan mortgage means two or more whole loan... interest means an undivided interest representing one of only two such interests in a whole loan mortgage...
24 CFR 203.259 - Method of payment of MIP.
Code of Federal Regulations, 2010 CFR
2010-04-01
... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-in General...
24 CFR 203.265 - Mortgagee's late charge and interest.
Code of Federal Regulations, 2010 CFR
2010-04-01
... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums...
24 CFR 203.265 - Mortgagee's late charge and interest.
Code of Federal Regulations, 2011 CFR
2011-04-01
... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums...
24 CFR 203.259 - Method of payment of MIP.
Code of Federal Regulations, 2011 CFR
2011-04-01
... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-in General...
24 CFR 203.32 - Mortgage lien.
Code of Federal Regulations, 2010 CFR
2010-04-01
... obligations contracted in connection with the mortgage transaction or the purchase of the mortgaged property, except obligations that are secured by property or collateral owned by the mortgagor independently of the...
24 CFR 203.282 - Mortgagee's late charge and interest.
Code of Federal Regulations, 2010 CFR
2010-04-01
... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-One...
24 CFR 206.105 - Amount of MIP.
Code of Federal Regulations, 2010 CFR
2010-04-01
... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums § 206.105 Amount of...
24 CFR 203.282 - Mortgagee's late charge and interest.
Code of Federal Regulations, 2011 CFR
2011-04-01
... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-One...
24 CFR 206.105 - Amount of MIP.
Code of Federal Regulations, 2011 CFR
2011-04-01
... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums § 206.105 Amount of...
24 CFR 221.753 - Termination of mortgage insurance.
Code of Federal Regulations, 2010 CFR
2010-04-01
... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES LOW COST AND MODERATE INCOME MORTGAGE INSURANCE-SAVINGS CLAUSE Contract Rights and Obligations...
12 CFR 1270.5 - Leverage limit and credit rating requirements.
Code of Federal Regulations, 2012 CFR
2012-01-01
... Mortgage Association (Fannie Mae), or Collateralized Mortgage Obligations (CMOs), including Real Estate Mortgage Investment Conduits (REMICs), backed by such securities; (xi) Other MBS, CMOs, and REMICs rated in...
12 CFR 1270.5 - Leverage limit and credit rating requirements.
Code of Federal Regulations, 2013 CFR
2013-01-01
... Mortgage Association (Fannie Mae), or Collateralized Mortgage Obligations (CMOs), including Real Estate Mortgage Investment Conduits (REMICs), backed by such securities; (xi) Other MBS, CMOs, and REMICs rated in...
12 CFR 1270.5 - Leverage limit and credit rating requirements.
Code of Federal Regulations, 2014 CFR
2014-01-01
... Mortgage Association (Fannie Mae), or Collateralized Mortgage Obligations (CMOs), including Real Estate Mortgage Investment Conduits (REMICs), backed by such securities; (xi) Other MBS, CMOs, and REMICs rated in...
24 CFR 266.417 - Authority to adjust mortgage insurance amount.
Code of Federal Regulations, 2010 CFR
2010-04-01
... AND OTHER AUTHORITIES HOUSING FINANCE AGENCY RISK-SHARING PROGRAM FOR INSURED AFFORDABLE MULTIFAMILY PROJECT LOANS Mortgage and Closing Requirements; HUD Endorsement § 266.417 Authority to adjust mortgage...
12 CFR Appendix H to Part 226 - Closed-End Model Forms and Clauses
Code of Federal Regulations, 2010 CFR
2018-01-01
... Payment Summary Model Clause (§ 226.18(s)) H-4(F)—Adjustable-Rate Mortgage or Step-Rate Mortgage Interest Rate and Payment Summary Model Clause (§ 226.18(s)) H-4(G)—Mortgage with Negative Amortization Interest Rate and Payment Summary Model Clause (§ 226.18(s)) H-4(H)—Fixed-Rate Mortgage with Interest-Only...
24 CFR 207.252c - Premiums-mortgages insured pursuant to section 238(c) of the Act.
Code of Federal Regulations, 2010 CFR
2010-04-01
.... All of the provisions of §§ 207.252 and 207.252a governing mortgage insurance premiums shall apply to... insurance premiums due on such mortgages in accordance with §§ 207.252 and 207.252a shall be calculated on... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Premiums-mortgages insured pursuant...
24 CFR 207.252c - Premiums-mortgages insured pursuant to section 238(c) of the Act.
Code of Federal Regulations, 2011 CFR
2011-04-01
.... All of the provisions of §§ 207.252 and 207.252a governing mortgage insurance premiums shall apply to... insurance premiums due on such mortgages in accordance with §§ 207.252 and 207.252a shall be calculated on... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Premiums-mortgages insured pursuant...
24 CFR 235.1202 - Cross-reference.
Code of Federal Regulations, 2010 CFR
2010-04-01
... transient or hotel purposes. 203.17Mortgage provisions. 203.18Maximum mortgage amount. 203.18aSolar energy systems. 203.18bIncreased mortgage amount. 203.19Mortgagor's minimum investment. 203.20Agreed interest...
24 CFR 235.1202 - Cross-reference.
Code of Federal Regulations, 2011 CFR
2011-04-01
... transient or hotel purposes. 203.17Mortgage provisions. 203.18Maximum mortgage amount. 203.18aSolar energy systems. 203.18bIncreased mortgage amount. 203.19Mortgagor's minimum investment. 203.20Agreed interest...
24 CFR 235.1202 - Cross-reference.
Code of Federal Regulations, 2012 CFR
2012-04-01
... transient or hotel purposes. 203.17Mortgage provisions. 203.18Maximum mortgage amount. 203.18aSolar energy systems. 203.18bIncreased mortgage amount. 203.19Mortgagor's minimum investment. 203.20Agreed interest...
24 CFR 235.1202 - Cross-reference.
Code of Federal Regulations, 2013 CFR
2013-04-01
... transient or hotel purposes. 203.17Mortgage provisions. 203.18Maximum mortgage amount. 203.18aSolar energy systems. 203.18bIncreased mortgage amount. 203.19Mortgagor's minimum investment. 203.20Agreed interest...
24 CFR 235.1202 - Cross-reference.
Code of Federal Regulations, 2014 CFR
2014-04-01
... transient or hotel purposes. 203.17Mortgage provisions. 203.18Maximum mortgage amount. 203.18aSolar energy systems. 203.18bIncreased mortgage amount. 203.19Mortgagor's minimum investment. 203.20Agreed interest...
Code of Federal Regulations, 2010 CFR
2010-04-01
... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-in General § 203.259a Scope... Insurance Premiums—Periodic Payment ...
Code of Federal Regulations, 2011 CFR
2011-04-01
... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-in General § 203.259a Scope... Insurance Premiums—Periodic Payment ...
24 CFR 203.477 - Certificate by lender when loan assigned.
Code of Federal Regulations, 2010 CFR
2010-04-01
... a good right to assign. (c) The mortgage transaction did not involve a first mortgage and the... AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Rehabilitation Loans § 203.477...
77 FR 70105 - Delayed Implementation of Certain New Mortgage Disclosures
Federal Register 2010, 2011, 2012, 2013, 2014
2012-11-23
...The Bureau of Consumer Financial Protection (Bureau) is amending Regulation Z (Truth in Lending) to, in effect, delay implementation of certain new mortgage disclosure requirements in title XIV of the Dodd-Frank Wall Street Reform and Consumer Protection Act that would otherwise take effect on January 21, 2013. Instead, to avoid potential consumer confusion and reduce compliance burden for industry, the Bureau plans to implement these disclosures as part of the integrated mortgage disclosure forms proposed earlier this year, which combine certain disclosures that consumers receive in connection with applying for and closing on a mortgage loan under the Truth in Lending Act and the Real Estate Settlement Procedures Act. Accordingly, this rulemaking exempts persons from complying with these mortgage disclosure requirements and provides that such exemptions are intended to last only until the integrated mortgage disclosure forms take effect.
Federal Register 2010, 2011, 2012, 2013, 2014
2012-12-07
...This rule amends the regulations governing FHA's Section 232 Healthcare Mortgage Insurance program (Section 232 program) by establishing the criteria and process by which FHA will accept and pay a partial payment of a claim under the FHA mortgage insurance contract. The Section 232 program insures mortgage loans to facilitate the construction, substantial rehabilitation, purchase, and refinancing of nursing homes, intermediate care facilities, board and care homes, and assisted-living facilities. Through acceptance and payment of a partial payment of claim, FHA pays the lender a portion of the unpaid principal balance and recasts a portion of the mortgage under terms and conditions determined by FHA, as an alternative to the lender assigning the entire mortgage to HUD. Partial payment of claim also allows FHA- insured healthcare projects to continue operating and providing services.
Optimal Mortgage Refinancing: A Closed Form Solution.
Agarwal, Sumit; Driscoll, John C; Laibson, David I
2013-06-01
We derive the first closed-form optimal refinancing rule: Refinance when the current mortgage interest rate falls below the original rate by at least [Formula: see text] In this formula W (.) is the Lambert W -function, [Formula: see text] ρ is the real discount rate, λ is the expected real rate of exogenous mortgage repayment, σ is the standard deviation of the mortgage rate, κ/M is the ratio of the tax-adjusted refinancing cost and the remaining mortgage value, and τ is the marginal tax rate. This expression is derived by solving a tractable class of refinancing problems. Our quantitative results closely match those reported by researchers using numerical methods.
24 CFR 290.33 - Sale of delinquent mortgages securing subsidized projects.
Code of Federal Regulations, 2014 CFR
2014-04-01
... COMMISSIONER, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.33 Sale of...
24 CFR 290.33 - Sale of delinquent mortgages securing subsidized projects.
Code of Federal Regulations, 2012 CFR
2012-04-01
... COMMISSIONER, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.33 Sale of...
24 CFR 290.31 - Sale of current mortgages securing subsidized projects.
Code of Federal Regulations, 2014 CFR
2014-04-01
..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.31 Sale of current...
24 CFR 290.31 - Sale of current mortgages securing subsidized projects.
Code of Federal Regulations, 2011 CFR
2011-04-01
..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.31 Sale of current...
24 CFR 290.31 - Sale of current mortgages securing subsidized projects.
Code of Federal Regulations, 2012 CFR
2012-04-01
..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.31 Sale of current...
24 CFR 290.33 - Sale of delinquent mortgages securing subsidized projects.
Code of Federal Regulations, 2011 CFR
2011-04-01
... COMMISSIONER, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.33 Sale of...
24 CFR 290.33 - Sale of delinquent mortgages securing subsidized projects.
Code of Federal Regulations, 2010 CFR
2010-04-01
... COMMISSIONER, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.33 Sale of...
24 CFR 290.31 - Sale of current mortgages securing subsidized projects.
Code of Federal Regulations, 2010 CFR
2010-04-01
..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.31 Sale of current...
12 CFR 201.109 - Eligibility for discount of mortgage company notes.
Code of Federal Regulations, 2010 CFR
2010-01-01
... directly affect the production or distribution of goods and services. Mortgage banking, on the other hand... inventory of mortgage loans pending their “packaging” for sale to permanent investors that are usually...
24 CFR 235.1214 - Mortgage lien.
Code of Federal Regulations, 2010 CFR
2010-04-01
...: Contract Rights and Obligations; Assistance Payments Contracts; Servicing Responsibilities-Refinancing... unpaid obligations contracted in connection with the mortgage transaction or the purchase of the mortgaged property, except obligations that are secured by property or collateral owned by the mortgagor...
24 CFR 290.35 - Sale of HUD-held mortgages securing unsubsidized projects.
Code of Federal Regulations, 2011 CFR
2011-04-01
..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.35 Sale of HUD-held...
24 CFR 290.35 - Sale of HUD-held mortgages securing unsubsidized projects.
Code of Federal Regulations, 2010 CFR
2010-04-01
..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.35 Sale of HUD-held...
24 CFR 290.35 - Sale of HUD-held mortgages securing unsubsidized projects.
Code of Federal Regulations, 2012 CFR
2012-04-01
..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.35 Sale of HUD-held...
24 CFR 290.35 - Sale of HUD-held mortgages securing unsubsidized projects.
Code of Federal Regulations, 2014 CFR
2014-04-01
..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.35 Sale of HUD-held...
24 CFR 206.103 - Payment of MIP.
Code of Federal Regulations, 2010 CFR
2010-04-01
... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums § 206.103 Payment... cash, until the contract of insurance is terminated. ...
24 CFR 206.103 - Payment of MIP.
Code of Federal Regulations, 2011 CFR
2011-04-01
... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums § 206.103 Payment... cash, until the contract of insurance is terminated. ...
'Mortgaged lives': the biopolitics of debt and housing financialisation.
García-Lamarca, Melissa; Kaika, Maria
2016-07-01
The paper expands the conceptual framework within which we examine mortgage debt by reconceptualising mortgages as a biotechnology: a technology of power over life that forges an intimate relationship between global financial markets, everyday life and human labour. Taking seriously the materiality of mortgage contracts as a means of forging new embodied practices of financialisation, we urge for the need to move beyond a policy- and macroeconomics-based analysis of housing financialisation. We argue that more attention needs to be paid to how funnelling land-related capital flows goes hand in hand with signing off significant parts of future labour, decisionmaking capacity and well-being to mortgage debt repayments. The paper offers two key insights. First, it exemplifies how macroeconomic and policy changes could not have led to the financialisation of housing markets without a parallel biopolitical process that mobilised mortgage contracts to integrate the social reproduction of the workforce into speculative global real-estate practices. Second, it expands the framework of analysis of emerging literature on financialisation and subjectification. Focusing on the mortgage defaults and evictions crisis in Spain, we document how during Spain's 1997-2007 real-estate boom the promise of mortgages as a means to optimise income and wealth enrolled livelihoods into cycles of global financial and real-estate speculation, as home security and future wealth became directly dependent on the fluctuations of financial products, interest rates and capital accumulation strategies rooted in the built environment. When, after 2008 unemployment escalated and housing prices collapsed, mortgages became a punitive technology that led to at least 500 000 foreclosures and over 250 000 evictions in Spain.
Federal Register 2010, 2011, 2012, 2013, 2014
2010-12-15
... reporting the sale of a mortgage between investors and/or the transfer of the mortgage servicing... between investors and/or the transfer of the mortgage servicing responsibility, as appropriate. OMB...
Code of Federal Regulations, 2014 CFR
2014-04-01
... participate in a nationwide mortgage licensing system and registry database of residential mortgage loan... charged with establishing and maintaining a licensing and registry database for loan originators. (b.... Subpart D provides minimum requirements for the administration of the Nationwide Mortgage Licensing System...
Code of Federal Regulations, 2013 CFR
2013-04-01
... participate in a nationwide mortgage licensing system and registry database of residential mortgage loan... charged with establishing and maintaining a licensing and registry database for loan originators. (b.... Subpart D provides minimum requirements for the administration of the Nationwide Mortgage Licensing System...
Analysis of Tax-deductible Interest Payments for Re-advanceable Canadian Mortgages
NASA Astrophysics Data System (ADS)
Naseem, Almas; Reesor, Mark
2011-11-01
According to Canadian tax law the interest on loans used for investment purposes is tax deductible while interest on personal mortgage loans is not. One way of transforming from non-tax deductible to tax deductible interest expenses is to borrow against home equity to make investments. A re-advanceable mortgage is a product specifically designed to take advantage of this tax discrepancy. Using simulation we study the risk associated with the re-advanceable mortgage strategy to provide a better description of the mortgagor's position. We assume that the mortgagor invests the borrowings secured by home equity into a single risky asset (e.g., stock or mutual fund) whose evolution is described by geometric Brownian motion (GBM). With a re-advanceable mortgage we find that the average mortgage payoff time is less than the original mortgage term. However, there is considerable variation in the payoff times with a significant probability of a payoff time exceeding the original mortgage term. Higher income homeowners enjoy a payoff time distribution with both a lower average and a lower standard deviation than low-income homeowners. Thus this strategy is most beneficial to those with the highest income. We also find this strategy protects the homeowner in the event of job loss. This work is important to lenders, financial planners and homeowners to more fully understand the benefits and risk associated with this strategy.
Code of Federal Regulations, 2011 CFR
2011-04-01
... NONJUDICIAL FORECLOSURE OF MULTIFAMILY AND SINGLE FAMILY MORTGAGES Nonjudicial Foreclosure of Multifamily...: General Counsel means the General Counsel of the Department of Housing and Urban Development; Multifamily... Housing Act. The definition of multifamily mortgage also includes a mortgage taken by the Secretary in...
Code of Federal Regulations, 2012 CFR
2012-04-01
... NONJUDICIAL FORECLOSURE OF MULTIFAMILY AND SINGLE FAMILY MORTGAGES Nonjudicial Foreclosure of Multifamily...: General Counsel means the General Counsel of the Department of Housing and Urban Development; Multifamily... Housing Act. The definition of multifamily mortgage also includes a mortgage taken by the Secretary in...
Code of Federal Regulations, 2014 CFR
2014-04-01
... NONJUDICIAL FORECLOSURE OF MULTIFAMILY AND SINGLE FAMILY MORTGAGES Nonjudicial Foreclosure of Multifamily...: General Counsel means the General Counsel of the Department of Housing and Urban Development; Multifamily... Housing Act. The definition of multifamily mortgage also includes a mortgage taken by the Secretary in...
Code of Federal Regulations, 2010 CFR
2010-04-01
... NONJUDICIAL FORECLOSURE OF MULTIFAMILY AND SINGLE FAMILY MORTGAGES Nonjudicial Foreclosure of Multifamily...: General Counsel means the General Counsel of the Department of Housing and Urban Development; Multifamily... Housing Act. The definition of multifamily mortgage also includes a mortgage taken by the Secretary in...
Federal Register 2010, 2011, 2012, 2013, 2014
2012-10-26
... mortgage lending institutions are required to use the information generated as a running log throughout the... mortgage lending institutions are required to use the information generated as a running log throughout the...
Code of Federal Regulations, 2013 CFR
2013-01-01
... participate in a nationwide mortgage licensing system and registry database of residential mortgage loan... requirements, the Bureau is charged with establishing and maintaining a licensing and registry database for... administration of the Nationwide Mortgage Licensing System and Registry. (5) Subpart E clarifies the Bureau's...
Code of Federal Regulations, 2014 CFR
2014-01-01
... participate in a nationwide mortgage licensing system and registry database of residential mortgage loan... requirements, the Bureau is charged with establishing and maintaining a licensing and registry database for... administration of the Nationwide Mortgage Licensing System and Registry. (5) Subpart E clarifies the Bureau's...
Code of Federal Regulations, 2012 CFR
2012-01-01
... participate in a nationwide mortgage licensing system and registry database of residential mortgage loan... requirements, the Bureau is charged with establishing and maintaining a licensing and registry database for... administration of the Nationwide Mortgage Licensing System and Registry. (5) Subpart E clarifies the Bureau's...
Białowolski, Piotr; Węziak-Białowolska, Dorota
2017-01-01
It is commonly agreed that excessive household financial debts are detrimental to psychological and physical health. Research also demonstrates that housing instability, mortgage indebtedness and mortgage foreclosure negatively influence subjective well-being. In Poland at the beginning of 2015, homeowners with Swiss franc denominated mortgages suffered from an abrupt swing in the Swiss franc/Polish zloty (CHF/PLN) exchange rate, which resulted in considerable increase in the local currency value of their mortgages. These adverse financial circumstances were hypothesised to affect not only household finance but also negatively affect the psychological well-being and physical health of peoples. The 2013 and 2015 waves of the Polish representative household panel 'Social Diagnosis' were used to examine impact of the abrupt change in the CHF/PLN exchange rate in Jan. 2015 on well-being and health. Causal inference was investigated using a difference-in-differences matching estimator. Results showed that although impact of Swiss franc appreciation on the mortgage related financial burden was considerable, it did not affect well-being or health outcomes. Any manifestation of adverse effects was absent in the short term, which does not however preclude their long term existence.
24 CFR 27.20 - Conditions of foreclosure sale.
Code of Federal Regulations, 2012 CFR
2012-04-01
... Urban Development NONJUDICIAL FORECLOSURE OF MULTIFAMILY AND SINGLE FAMILY MORTGAGES Nonjudicial Foreclosure of Multifamily Mortgages § 27.20 Conditions of foreclosure sale. (a) The requirements of section... thereof, on the multifamily mortgage being foreclosed, shall not be eligible to bid on, or otherwise...
24 CFR 27.20 - Conditions of foreclosure sale.
Code of Federal Regulations, 2014 CFR
2014-04-01
... Urban Development NONJUDICIAL FORECLOSURE OF MULTIFAMILY AND SINGLE FAMILY MORTGAGES Nonjudicial Foreclosure of Multifamily Mortgages § 27.20 Conditions of foreclosure sale. (a) The requirements of section... thereof, on the multifamily mortgage being foreclosed, shall not be eligible to bid on, or otherwise...
75 FR 51623 - Registration of Mortgage Loan Originators
Federal Register 2010, 2011, 2012, 2013, 2014
2010-08-23
..., savings association, credit union or Farm Credit System (FCS) institution and certain of their... institutions) who acts as a residential mortgage loan originator to register with the Nationwide Mortgage... further provides that Agency- regulated institutions must: require their employees who act as residential...
76 FR 72767 - Proposed Collection; Comment Request for Regulation Project
Federal Register 2010, 2011, 2012, 2013, 2014
2011-11-25
... information collection requirements related to real estate mortgage conduits; reporting requirements and other... final regulations relating to real estate mortgage investment conduits (REMICS). T.D. 8431 contains final regulations relating to reporting requirements with respect to single-class real estate mortgage...
7 CFR 1718.54 - Availability of model mortgage.
Code of Federal Regulations, 2010 CFR
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Availability of model mortgage. 1718.54 Section 1718.54 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Mortgage for Distribution Borrowers...
7 CFR 1718.52 - Existing mortgages.
Code of Federal Regulations, 2010 CFR
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Existing mortgages. 1718.52 Section 1718.52 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Mortgage for Distribution Borrowers § 1718.52...
77 FR 27738 - Proposed Collection; Comment Request
Federal Register 2010, 2011, 2012, 2013, 2014
2012-05-11
... qualitative testing mortgage servicing related model forms and disclosures. DATES: Written comments must be...: Qualitative Testing of Mortgage Servicing Related Model Forms and Disclosures. OMB Number: 3170-0018. Abstract: The Bureau seeks to allow for qualitative testing of mortgage servicing related model forms and...
76 FR 43381 - Proposed Collection; Comment Request for Regulation Project
Federal Register 2010, 2011, 2012, 2013, 2014
2011-07-20
... Financial Asset Securitization Investment Trusts; Real Estate Mortgage Investment Conduits (TD 9004 (final... Securitization Investment Trusts; Real Estate Mortgage Investment Conduits. OMB Number: 1545-1675. Regulation... noneconomic residual interest in a Real Estate Mortgage Investment Conduit (REMIC) meeting the investigation...
24 CFR 235.1212 - Mortgage provisions.
Code of Federal Regulations, 2010 CFR
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage provisions. 235.1212 Section 235.1212 Housing and Urban Development Regulations Relating to Housing and Urban Development... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES...
12 CFR 563e.22 - Lending test.
Code of Federal Regulations, 2013 CFR
2013-01-01
... activities by considering a savings association's home mortgage, small business, small farm, and community... savings association's home mortgage, small business, small farm, and consumer loans, if applicable, in the... savings association's home mortgage, small business, small farm, and consumer loans, if applicable, based...
Code of Federal Regulations, 2013 CFR
2013-01-01
... assessment area(s) through its lending activities by considering a bank's home mortgage, small business... mortgage, small business, small farm, and consumer loans, if applicable, in the bank's assessment area(s); (2) Geographic distribution. The geographic distribution of the bank's home mortgage, small business...
Code of Federal Regulations, 2011 CFR
2011-01-01
... assessment area(s) through its lending activities by considering a bank's home mortgage, small business... mortgage, small business, small farm, and consumer loans, if applicable, in the bank's assessment area(s); (2) Geographic distribution. The geographic distribution of the bank's home mortgage, small business...
12 CFR 563e.22 - Lending test.
Code of Federal Regulations, 2014 CFR
2014-01-01
... activities by considering a savings association's home mortgage, small business, small farm, and community... savings association's home mortgage, small business, small farm, and consumer loans, if applicable, in the... savings association's home mortgage, small business, small farm, and consumer loans, if applicable, based...
Code of Federal Regulations, 2014 CFR
2014-01-01
... assessment area(s) through its lending activities by considering a bank's home mortgage, small business... mortgage, small business, small farm, and consumer loans, if applicable, in the bank's assessment area(s); (2) Geographic distribution. The geographic distribution of the bank's home mortgage, small business...
Code of Federal Regulations, 2014 CFR
2014-01-01
... activities by considering a bank's home mortgage, small business, small farm, and community development... following criteria: (1) Lending activity. The number and amount of the bank's home mortgage, small business... distribution. The geographic distribution of the bank's home mortgage, small business, small farm, and consumer...
Code of Federal Regulations, 2013 CFR
2013-01-01
... activities by considering a bank's home mortgage, small business, small farm, and community development... following criteria: (1) Lending activity. The number and amount of the bank's home mortgage, small business... distribution. The geographic distribution of the bank's home mortgage, small business, small farm, and consumer...
24 CFR 27.2 - Scope and applicability.
Code of Federal Regulations, 2010 CFR
2010-04-01
... Development NONJUDICIAL FORECLOSURE OF MULTIFAMILY AND SINGLE FAMILY MORTGAGES Nonjudicial Foreclosure of Multifamily Mortgages § 27.2 Scope and applicability. (a) Under the Act and this subpart, the Secretary may foreclose on any defaulted Secretary-held multifamily mortgage encumbering real estate in any State. The...
24 CFR 27.2 - Scope and applicability.
Code of Federal Regulations, 2014 CFR
2014-04-01
... Development NONJUDICIAL FORECLOSURE OF MULTIFAMILY AND SINGLE FAMILY MORTGAGES Nonjudicial Foreclosure of Multifamily Mortgages § 27.2 Scope and applicability. (a) Under the Act and this subpart, the Secretary may foreclose on any defaulted Secretary-held multifamily mortgage encumbering real estate in any State. The...
24 CFR 27.10 - Designation of a foreclosure commissioner.
Code of Federal Regulations, 2014 CFR
2014-04-01
... and Urban Development NONJUDICIAL FORECLOSURE OF MULTIFAMILY AND SINGLE FAMILY MORTGAGES Nonjudicial Foreclosure of Multifamily Mortgages § 27.10 Designation of a foreclosure commissioner. (a) When the Secretary determines that a multifamily mortgage should be foreclosed under the Act and this subpart, the General...
24 CFR 27.10 - Designation of a foreclosure commissioner.
Code of Federal Regulations, 2011 CFR
2011-04-01
... and Urban Development NONJUDICIAL FORECLOSURE OF MULTIFAMILY AND SINGLE FAMILY MORTGAGES Nonjudicial Foreclosure of Multifamily Mortgages § 27.10 Designation of a foreclosure commissioner. (a) When the Secretary determines that a multifamily mortgage should be foreclosed under the Act and this subpart, the General...
24 CFR 27.2 - Scope and applicability.
Code of Federal Regulations, 2012 CFR
2012-04-01
... Development NONJUDICIAL FORECLOSURE OF MULTIFAMILY AND SINGLE FAMILY MORTGAGES Nonjudicial Foreclosure of Multifamily Mortgages § 27.2 Scope and applicability. (a) Under the Act and this subpart, the Secretary may foreclose on any defaulted Secretary-held multifamily mortgage encumbering real estate in any State. The...
24 CFR 27.10 - Designation of a foreclosure commissioner.
Code of Federal Regulations, 2012 CFR
2012-04-01
... and Urban Development NONJUDICIAL FORECLOSURE OF MULTIFAMILY AND SINGLE FAMILY MORTGAGES Nonjudicial Foreclosure of Multifamily Mortgages § 27.10 Designation of a foreclosure commissioner. (a) When the Secretary determines that a multifamily mortgage should be foreclosed under the Act and this subpart, the General...
24 CFR 27.2 - Scope and applicability.
Code of Federal Regulations, 2011 CFR
2011-04-01
... Development NONJUDICIAL FORECLOSURE OF MULTIFAMILY AND SINGLE FAMILY MORTGAGES Nonjudicial Foreclosure of Multifamily Mortgages § 27.2 Scope and applicability. (a) Under the Act and this subpart, the Secretary may foreclose on any defaulted Secretary-held multifamily mortgage encumbering real estate in any State. The...
24 CFR 27.10 - Designation of a foreclosure commissioner.
Code of Federal Regulations, 2010 CFR
2010-04-01
... and Urban Development NONJUDICIAL FORECLOSURE OF MULTIFAMILY AND SINGLE FAMILY MORTGAGES Nonjudicial Foreclosure of Multifamily Mortgages § 27.10 Designation of a foreclosure commissioner. (a) When the Secretary determines that a multifamily mortgage should be foreclosed under the Act and this subpart, the General...
Code of Federal Regulations, 2011 CFR
2011-04-01
...) Provides for the establishment of a public-use database to make available to the public mortgage data that...) Establishes mechanisms for the GSEs to designate mortgage data or AHAR information as proprietary information and for the Secretary to determine whether such mortgage data or AHAR information is proprietary...
77 FR 39222 - Consumer Use of Reverse Mortgages
Federal Register 2010, 2011, 2012, 2013, 2014
2012-07-02
... influence reverse mortgage consumers' decision-making, consumers' use of reverse mortgage loan proceeds.... Sensitive personal information such as account numbers or Social Security numbers should not be included... personal information that could be used to identify an individual consumer or account, nor should they...
76 FR 43826 - Mortgage Acts and Practices-Advertising
Federal Register 2010, 2011, 2012, 2013, 2014
2011-07-22
... involving loan modification and foreclosure rescue services.'' \\7\\ The Omnibus Appropriations Act, as... respect to mortgage assistance relief services. See Mortgage Assistance Relief Services (MARS), Final Rule....e., likely to affect consumers' decisions to purchase or use the product or service at issue.\\9...
24 CFR 242.30 - Application of payments.
Code of Federal Regulations, 2010 CFR
2010-04-01
... insurance; (b) Ground rents, taxes, special assessments, and fire and other hazard insurance premiums; (c... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR HOSPITALS Mortgage Requirements § 242.30 Application of payments. All payments to be...
77 FR 70179 - Notice of HUD-Held Multifamily and Healthcare Loan Sale
Federal Register 2010, 2011, 2012, 2013, 2014
2012-11-23
... Multifamily and Healthcare Loan Sale AGENCY: Office of the Assistant Secretary for Housing--Federal Housing...'s intention to sell certain unsubsidized multifamily and healthcare mortgage loans, without Federal... certain unsubsidized mortgage loans (Mortgage Loans) secured by multifamily and healthcare properties...
24 CFR 203.281 - Calculation of one-time MIP.
Code of Federal Regulations, 2010 CFR
2010-04-01
... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-One-Time Payment § 203.281 Calculation of one-time MIP. (a) The applicable premium percentage determined...
24 CFR 203.283 - Refund of one-time MIP.
Code of Federal Regulations, 2010 CFR
2010-04-01
... SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-One-Time... the mortgage was endorsed for insurance. The Commissioner shall determine the applicable premium... generated by insurance claims, and (3) expected future payments of premium refunds. [48 FR 28806, June 23...
24 CFR 206.109 - Amount of mortgagee share of premium.
Code of Federal Regulations, 2010 CFR
2010-04-01
... premium. 206.109 Section 206.109 Housing and Urban Development Regulations Relating to Housing and Urban... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance...
24 CFR 203.269 - Method of payment of periodic MIP.
Code of Federal Regulations, 2010 CFR
2010-04-01
... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums..., that periodic MIP be remitted electronically. [60 FR 34138, June 30, 1995] Open-end Insurance Charges...
24 CFR 203.267 - Duration of periodic MIP.
Code of Federal Regulations, 2010 CFR
2010-04-01
... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-Periodic... deed to the Commissioner is filed for record or the contract of insurance is terminated. [48 FR 28805...
24 CFR 203.269 - Method of payment of periodic MIP.
Code of Federal Regulations, 2011 CFR
2011-04-01
... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums..., that periodic MIP be remitted electronically. [60 FR 34138, June 30, 1995] Open-end Insurance Charges...
24 CFR 203.281 - Calculation of one-time MIP.
Code of Federal Regulations, 2011 CFR
2011-04-01
... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-One-Time Payment § 203.281 Calculation of one-time MIP. (a) The applicable premium percentage determined...
24 CFR 206.109 - Amount of mortgagee share of premium.
Code of Federal Regulations, 2011 CFR
2011-04-01
... premium. 206.109 Section 206.109 Housing and Urban Development Regulations Relating to Housing and Urban... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance...
24 CFR 203.267 - Duration of periodic MIP.
Code of Federal Regulations, 2011 CFR
2011-04-01
... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-Periodic... deed to the Commissioner is filed for record or the contract of insurance is terminated. [48 FR 28805...
24 CFR 203.283 - Refund of one-time MIP.
Code of Federal Regulations, 2011 CFR
2011-04-01
... SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-One-Time... the mortgage was endorsed for insurance. The Commissioner shall determine the applicable premium... generated by insurance claims, and (3) expected future payments of premium refunds. [48 FR 28806, June 23...
24 CFR 2700.205 - Emergency assistance amount.
Code of Federal Regulations, 2013 CFR
2013-04-01
... principal, interest, taxes, ground rents, hazard insurance, and mortgage insurance premiums due under the..., including delinquent interest, of the delinquent mortgage when added to the other liens against the... under this part, exceeds the value of the mortgaged property. (In determining the value of the property...
24 CFR 2700.205 - Emergency assistance amount.
Code of Federal Regulations, 2012 CFR
2012-04-01
... principal, interest, taxes, ground rents, hazard insurance, and mortgage insurance premiums due under the..., including delinquent interest, of the delinquent mortgage when added to the other liens against the... under this part, exceeds the value of the mortgaged property. (In determining the value of the property...
24 CFR 2700.205 - Emergency assistance amount.
Code of Federal Regulations, 2014 CFR
2014-04-01
... principal, interest, taxes, ground rents, hazard insurance, and mortgage insurance premiums due under the..., including delinquent interest, of the delinquent mortgage when added to the other liens against the... under this part, exceeds the value of the mortgaged property. (In determining the value of the property...
24 CFR 2700.205 - Emergency assistance amount.
Code of Federal Regulations, 2011 CFR
2011-04-01
... principal, interest, taxes, ground rents, hazard insurance, and mortgage insurance premiums due under the..., including delinquent interest, of the delinquent mortgage when added to the other liens against the... under this part, exceeds the value of the mortgaged property. (In determining the value of the property...
78 FR 24420 - Proposed Collection; Comment Request
Federal Register 2010, 2011, 2012, 2013, 2014
2013-04-25
... academics and other interested parties outside of the government. Generally, the National Mortgage Database... project, known as the ``National Mortgage Database,'' which is a joint effort of FHFA and the Consumer... a database of timely and otherwise unavailable residential mortgage market information to be made...
24 CFR 242.35 - Mortgage lien certifications.
Code of Federal Regulations, 2010 CFR
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage lien certifications. 242.35 Section 242.35 Housing and Urban Development Regulations Relating to Housing and Urban Development... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES...
24 CFR 242.7 - Maximum mortgage amounts.
Code of Federal Regulations, 2010 CFR
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Maximum mortgage amounts. 242.7 Section 242.7 Housing and Urban Development Regulations Relating to Housing and Urban Development... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES...
75 FR 69871 - Homeowners Assistance Program-Application Processing
Federal Register 2010, 2011, 2012, 2013, 2014
2010-11-16
... relocating during the mortgage crisis; and Service member homeowners undergoing Permanent Change of Station (PCS) moves during the mortgage crisis. DATES: Effective Date: January 18, 2011. FOR FURTHER... financial stability and increase quality of life for those impacted by the mortgage crisis. The Department...
24 CFR 203.17 - Mortgage provisions.
Code of Federal Regulations, 2010 CFR
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage provisions. 203.17 Section 203.17 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE...
Federal Register 2010, 2011, 2012, 2013, 2014
2011-03-11
... Proposed Information Collection to OMB; Contractor's Requisition--Project Mortgages AGENCY: Office of the.... Contractor's monthly application for distribution of insured mortgage proceeds for construction costs... Following Information Title of Proposal: Contractor's Requisition--Project Mortgages. OMB Approval Number...
Code of Federal Regulations, 2013 CFR
2013-01-01
... assessment area(s) through its lending activities by considering a bank's home mortgage, small business... and amount of the bank's home mortgage, small business, small farm, and consumer loans, if applicable... bank's home mortgage, small business, small farm, and consumer loans, if applicable, based on the loan...
Code of Federal Regulations, 2011 CFR
2011-04-01
.... (c) FHA means the Federal Housing Administration. (d) Mortgage is defined at § 203.17(a)(1). (e... has been insured as evidenced by the issuance of a Mortgage Insurance Certificate or by the... agreement evidenced by the issuance of a Mortgage Insurance Certificate or by the endorsement of the...
Code of Federal Regulations, 2010 CFR
2010-04-01
.... (c) FHA means the Federal Housing Administration. (d) Mortgage is defined at § 203.17(a)(1). (e... has been insured as evidenced by the issuance of a Mortgage Insurance Certificate or by the... agreement evidenced by the issuance of a Mortgage Insurance Certificate or by the endorsement of the...
Federal Register 2010, 2011, 2012, 2013, 2014
2011-03-21
... and Disaster Recovery Facility). CATEGORIES OF INDIVIDUALS COVERED BY THE SYSTEM: Residential mortgage... FEDERAL DEPOSIT INSURANCE CORPORATION Privacy Act of 1974, as Amended; System of Records; Nationwide Mortgage Licensing System and Registry AGENCY: Federal Deposit Insurance Corporation. ACTION...
Code of Federal Regulations, 2014 CFR
2014-04-01
... HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.30 General. (a) Except as otherwise provided in § 290.31(a)(2), HUD will sell HUD-held multifamily mortgages on a competitive basis. HUD retains full discretion...
Code of Federal Regulations, 2010 CFR
2010-04-01
... HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.30 General. (a) Except as otherwise provided in § 290.31(a)(2), HUD will sell HUD-held multifamily mortgages on a competitive basis. HUD retains full discretion...
Code of Federal Regulations, 2012 CFR
2012-04-01
... HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.30 General. (a) Except as otherwise provided in § 290.31(a)(2), HUD will sell HUD-held multifamily mortgages on a competitive basis. HUD retains full discretion...
Federal Register 2010, 2011, 2012, 2013, 2014
2012-06-25
... Information Collection: Comment Request; Multifamily Housing Mortgage and Housing Assistance Restructuring.... This Notice also lists the following information: Title of Proposal: Multifamily Housing Mortgage and... the Multifamily Assisted Housing Reform and Affordability Act of 1997 as extended by the Market to...
Code of Federal Regulations, 2011 CFR
2011-04-01
... HUD-OWNED PROPERTIES DISPOSITION OF MULTIFAMILY PROJECTS AND SALE OF HUD-HELD MULTIFAMILY MORTGAGES Sale of HUD-Held Multifamily Mortgages § 290.30 General. (a) Except as otherwise provided in § 290.31(a)(2), HUD will sell HUD-held multifamily mortgages on a competitive basis. HUD retains full discretion...
12 CFR Appendix B to Part 1720 - Policy Guidance; Non-Mortgage Liquidity Investments
Code of Federal Regulations, 2010 CFR
2010-01-01
... investment capital for residential mortgage finance. These functions require the Enterprises, as principals... finance system. 2. For the Enterprises effectively to perform their public purposes, they must be... authorities, e. Corporate debt instruments, f. Money market instruments, g. Non-mortgage asset-backed...
9 CFR 55.6 - Mortgage against animals.
Code of Federal Regulations, 2011 CFR
2011-01-01
... 9 Animals and Animal Products 1 2011-01-01 2011-01-01 false Mortgage against animals. 55.6 Section 55.6 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT OF... DISEASE Chronic Wasting Disease Indemnification Program § 55.6 Mortgage against animals. When cervids have...
9 CFR 55.6 - Mortgage against animals.
Code of Federal Regulations, 2012 CFR
2012-01-01
... 9 Animals and Animal Products 1 2012-01-01 2012-01-01 false Mortgage against animals. 55.6 Section 55.6 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT OF... DISEASE Chronic Wasting Disease Indemnification Program § 55.6 Mortgage against animals. When cervids have...
9 CFR 55.6 - Mortgage against animals.
Code of Federal Regulations, 2014 CFR
2014-01-01
... 9 Animals and Animal Products 1 2014-01-01 2014-01-01 false Mortgage against animals. 55.6 Section 55.6 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT OF... DISEASE Chronic Wasting Disease Indemnification Program § 55.6 Mortgage against animals. When cervids have...
9 CFR 55.6 - Mortgage against animals.
Code of Federal Regulations, 2013 CFR
2013-01-01
... 9 Animals and Animal Products 1 2013-01-01 2013-01-01 false Mortgage against animals. 55.6 Section 55.6 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT OF... DISEASE Chronic Wasting Disease Indemnification Program § 55.6 Mortgage against animals. When cervids have...
9 CFR 55.6 - Mortgage against animals.
Code of Federal Regulations, 2010 CFR
2010-01-01
... 9 Animals and Animal Products 1 2010-01-01 2010-01-01 false Mortgage against animals. 55.6 Section 55.6 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT OF... DISEASE Chronic Wasting Disease Indemnification Program § 55.6 Mortgage against animals. When cervids have...
76 FR 11256 - Notice of HUD-Held Healthcare Loan Sale (HCLS 2011-1)
Federal Register 2010, 2011, 2012, 2013, 2014
2011-03-01
... Healthcare Loan Sale (HCLS 2011-1) AGENCY: Office of the Assistant Secretary for Housing--Federal Housing... certain unsubsidized healthcare mortgage loans, without Federal Housing Administration (FHA) insurance, in... 2011-1 of certain unsubsidized mortgage loans (Mortgage Loans) secured by healthcare properties located...
24 CFR 266.610 - Method of payment of mortgage insurance premiums.
Code of Federal Regulations, 2010 CFR
2010-04-01
... insurance premiums. 266.610 Section 266.610 Housing and Urban Development Regulations Relating to Housing... MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.610 Method of payment of mortgage insurance premiums. In the cases that the Commissioner deems appropriate, the...
31 CFR 337.8 - Payment of mortgage insurance premiums.
Code of Federal Regulations, 2010 CFR
2010-07-01
... insurance premiums. When certificated debentures are tendered for purchase prior to maturity in order that the proceeds thereof be applied to pay for mortgage insurance premiums, any difference between the amount of the debentures purchased and the amount of the mortgage insurance premium will generally be...
24 CFR 203.268 - Pro rata payment of periodic MIP.
Code of Federal Regulations, 2010 CFR
2010-04-01
... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-Periodic Payment § 203.268 Pro rata payment of periodic MIP. (a) If the insurance contract is terminated...
24 CFR 203.268 - Pro rata payment of periodic MIP.
Code of Federal Regulations, 2011 CFR
2011-04-01
... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Mortgage Insurance Premiums-Periodic Payment § 203.268 Pro rata payment of periodic MIP. (a) If the insurance contract is terminated...
24 CFR 266.610 - Method of payment of mortgage insurance premiums.
Code of Federal Regulations, 2011 CFR
2011-04-01
... insurance premiums. 266.610 Section 266.610 Housing and Urban Development Regulations Relating to Housing... MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.610 Method of payment of mortgage insurance premiums. In the cases that the Commissioner deems appropriate, the...
Code of Federal Regulations, 2010 CFR
2010-04-01
... balance, with all prepayments and other unscheduled recoveries of principal being passed through to the... mortgage, the issuer may repurchase such mortgage for an amount equal to the unpaid principal balance of... principal balances of the mortgages in the pool. The Association may provide for issuers to submit packages...
Federal Register 2010, 2011, 2012, 2013, 2014
2013-10-25
... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5683-N-88] 30-Day Notice of Proposed Information Collection: Contractor's Requisition--Project Mortgages AGENCY: Office of the Chief Information... Title of Information Collection: Contractor's Requisition--Project Mortgages. OMB Approval Number: 2502...
77 FR 8721 - Home Mortgage Disclosure (Regulation C)
Federal Register 2010, 2011, 2012, 2013, 2014
2012-02-15
... Home Mortgage Disclosure (Regulation C) AGENCY: Bureau of Consumer Financial Protection. ACTION: Final... a final rule amending the official commentary that interprets the requirements of Regulation C (Home.... SUPPLEMENTARY INFORMATION: The Home Mortgage Disclosure Act of 1975, as amended (HMDA; 12 U.S.C. 2801 et seq...
24 CFR 221.762 - Payment of insurance benefits.
Code of Federal Regulations, 2010 CFR
2010-04-01
... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES LOW COST AND MODERATE INCOME MORTGAGE INSURANCE-SAVINGS CLAUSE Contract Rights and Obligations...) obligations. Where the funds for a mortgage loan are provided by obligations that are tax-exempt under section...
Federal Register 2010, 2011, 2012, 2013, 2014
2012-02-14
..., National Flood Insurance Program-Mortgage Portfolio Protection Program AGENCY: Federal Emergency Management... Title: National Flood Insurance Program-Mortgage Portfolio Protection Program. OMB Number: 1660-0086... Write Your Own (WYO) company that wishes to participate in the Mortgage Portfolio Protection Program...
24 CFR 81.16 - Special counting requirements.
Code of Federal Regulations, 2010 CFR
2010-04-01
... and either creates a new market or adds liquidity to an existing market, provided however that such... under any mortgage originally insured by a public purpose mortgage insurance entity or fund, the GSE may... principal and interest of the underlying mortgages originated with funds made available by the MRB; and (B...
12 CFR 226.35 - Prohibited acts or practices in connection with higher-priced mortgage loans.
Code of Federal Regulations, 2010 CFR
2010-01-01
..., and other loan pricing terms currently offered to consumers by a representative sample of creditors for mortgage transactions that have low-risk pricing characteristics. The Board publishes average... and premiums for mortgage-related insurance required by the creditor, such as insurance against loss...
12 CFR 615.5173 - Stock of the Federal Agricultural Mortgage Corporation.
Code of Federal Regulations, 2014 CFR
2014-01-01
... Corporation. 615.5173 Section 615.5173 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING... Capital, and Other Investments § 615.5173 Stock of the Federal Agricultural Mortgage Corporation. Banks... the Federal Agricultural Mortgage Corporation pursuant to section 8.4 of the Farm Credit Act. [58 FR...
24 CFR 242.26 - Agreed interest rate.
Code of Federal Regulations, 2010 CFR
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Agreed interest rate. 242.26... MORTGAGE INSURANCE FOR HOSPITALS Mortgage Requirements § 242.26 Agreed interest rate. (a) The mortgage shall bear interest at the rate or rates agreed upon by the mortgagee and the mortgagor. (b) The amount...
12 CFR 365.103 - Registration of mortgage loan originators.
Code of Federal Regulations, 2013 CFR
2013-01-01
... OF GENERAL POLICY REAL ESTATE LENDING STANDARDS Registration of Residential Mortgage Loan Originators... not act as mortgage loan originators unless the bank has 10 or fewer full time or equivalent employees...) identified in paragraphs (e)(1)(i)(E) and (F) of this section must comply with Registry protocols to verify...
12 CFR 365.103 - Registration of mortgage loan originators.
Code of Federal Regulations, 2014 CFR
2014-01-01
... OF GENERAL POLICY REAL ESTATE LENDING STANDARDS Registration of Residential Mortgage Loan Originators... not act as mortgage loan originators unless the bank has 10 or fewer full time or equivalent employees...) identified in paragraphs (e)(1)(i)(E) and (F) of this section must comply with Registry protocols to verify...
12 CFR 365.103 - Registration of mortgage loan originators.
Code of Federal Regulations, 2011 CFR
2011-01-01
... OF GENERAL POLICY REAL ESTATE LENDING STANDARDS Registration of Residential Mortgage Loan Originators... not act as mortgage loan originators unless the bank has 10 or fewer full time or equivalent employees...) identified in paragraphs (e)(1)(i)(E) and (F) of this section must comply with Registry protocols to verify...
12 CFR 365.103 - Registration of mortgage loan originators.
Code of Federal Regulations, 2012 CFR
2012-01-01
... OF GENERAL POLICY REAL ESTATE LENDING STANDARDS Registration of Residential Mortgage Loan Originators... not act as mortgage loan originators unless the bank has 10 or fewer full time or equivalent employees...) identified in paragraphs (e)(1)(i)(E) and (F) of this section must comply with Registry protocols to verify...
24 CFR 241.251 - Cross-reference.
Code of Federal Regulations, 2010 CFR
2010-04-01
... SUPPLEMENTARY FINANCING FOR INSURED PROJECT MORTGAGES Contract Rights and Obligations § 241.251 Cross-reference. (a) Projects with a HUD-insured or HUD-held mortgage. All of the provisions of subpart B, part 207 of... force and effect to multifamily project and group practice facility mortgages insured under section 241...
24 CFR 234.259 - Claim procedure-graduated payment mortgages.
Code of Federal Regulations, 2013 CFR
2013-04-01
... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Claim procedure-graduated payment mortgages. 234.259 Section 234.259 Housing and Urban Development Regulations Relating to Housing and Urban... § 234.259 Claim procedure—graduated payment mortgages. Section 203.436 of this chapter applies to...
24 CFR 234.259 - Claim procedure-graduated payment mortgages.
Code of Federal Regulations, 2011 CFR
2011-04-01
... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Claim procedure-graduated payment mortgages. 234.259 Section 234.259 Housing and Urban Development Regulations Relating to Housing and Urban... § 234.259 Claim procedure—graduated payment mortgages. Section 203.436 of this chapter applies to...
24 CFR 234.259 - Claim procedure-graduated payment mortgages.
Code of Federal Regulations, 2010 CFR
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Claim procedure-graduated payment mortgages. 234.259 Section 234.259 Housing and Urban Development Regulations Relating to Housing and Urban... § 234.259 Claim procedure—graduated payment mortgages. Section 203.436 of this chapter applies to...
24 CFR 234.259 - Claim procedure-graduated payment mortgages.
Code of Federal Regulations, 2012 CFR
2012-04-01
... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false Claim procedure-graduated payment mortgages. 234.259 Section 234.259 Housing and Urban Development Regulations Relating to Housing and Urban... § 234.259 Claim procedure—graduated payment mortgages. Section 203.436 of this chapter applies to...
24 CFR 234.259 - Claim procedure-graduated payment mortgages.
Code of Federal Regulations, 2014 CFR
2014-04-01
... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Claim procedure-graduated payment mortgages. 234.259 Section 234.259 Housing and Urban Development Regulations Relating to Housing and Urban... § 234.259 Claim procedure—graduated payment mortgages. Section 203.436 of this chapter applies to...
76 FR 53937 - Order of Succession for Government National Mortgage Association (GNMA)
Federal Register 2010, 2011, 2012, 2013, 2014
2011-08-30
... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5538-D-02] Order of Succession for... Mortgage Association, HUD. ACTION: Notice of Order of Succession. SUMMARY: In this notice, the President of the Government National Mortgage Association (GNMA) designates the Order of Succession for GNMA. This...
Federal Register 2010, 2011, 2012, 2013, 2014
2012-06-14
... Proposed Information Collection to OMB; Home Equity Conversion Mortgage (HECM) Counseling Standardization... placed on the HECM counselor roster and to maintain their name on the HECM counseling roster. For initial... following information: Title of Proposal: Home Equity Conversion Mortgage (HECM) Counseling Standardization...
Federal Register 2010, 2011, 2012, 2013, 2014
2012-06-14
... Proposed Information Collection to OMB Request for Termination of Multifamily Mortgage Insurance AGENCY... mutually agree to terminate the HUD multifamily mortgage insurance. DATES: Comments Due Date: July 16, 2012... following information: Title of Proposal: Request for Termination of Multifamily Mortgage Insurance. OMB...
12 CFR 1281.11 - Bank housing goals.
Code of Federal Regulations, 2011 CFR
2011-01-01
... the applicable average prime offer rate as reported in the Home Mortgage Disclosure Act data shall be... under the housing goals shall be excluded. (c) Low-income families housing goal. For a Bank that is...-approved mortgages on owner-occupied single-family housing that consists of mortgages for low-income...
24 CFR 203.45 - Eligibility of graduated payment mortgages.
Code of Federal Regulations, 2010 CFR
2010-04-01
... shall bear interest at the rate agreed upon by the mortgagee and the mortgagor. (c) The mortgage amount... rates of amortization corresponding to anticipated variations in family income shall be eligible for... mortgage may provide that any interest which accrues and which is unpaid pursuant to a financing plan...
Federal Register 2010, 2011, 2012, 2013, 2014
2012-08-31
... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5607-N-28] Notice of Proposed Information Collection: Comment Request; Home Equity Conversion Mortgage (HECM) Insurance Application for the.... This Notice also lists the following information: Title of Proposal: Home Equity Conversion Mortgage...
Federal Register 2010, 2011, 2012, 2013, 2014
2010-10-08
... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5380-N-39] Notice of Proposed Information Collection: Comment Request; Home Equity Conversion Mortgage (HECM) Insurance Application for the.... This Notice also lists the following information: Title of Proposal: Home equity Conversion Mortgage...
Federal Register 2010, 2011, 2012, 2013, 2014
2013-06-18
... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5683-N-44] 30-Day Notice of Proposed Information Collection: Home Equity Conversion Mortgage (HECM) Insurance Application for the Origination of... Information Collection: Home Equity Conversion Mortgage (HECM) Insurance Application for the Origination of...
24 CFR 203.552 - Fees and charges after endorsement.
Code of Federal Regulations, 2010 CFR
2010-04-01
... AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Servicing Responsibilities Payments, Charges and Accounts § 203... work performed including out-of-pocket expenses. Directors of HUD Area and Insuring Offices are... mortgage or the unpaid principal balance due on the mortgage. [41 FR 49736, Nov. 10, 1976, as amended at 52...
24 CFR 257.403 - Prohibitions on interested parties in insured mortgage transaction.
Code of Federal Regulations, 2010 CFR
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Prohibitions on interested parties... UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOPE FOR HOMEOWNERS PROGRAM Enforcement Mortgagor False Information § 257.403 Prohibitions on interested parties in insured mortgage transaction. (a) A mortgage...
9 CFR 53.9 - Mortgage against animals or materials.
Code of Federal Regulations, 2012 CFR
2012-01-01
... 9 Animals and Animal Products 1 2012-01-01 2012-01-01 false Mortgage against animals or materials. 53.9 Section 53.9 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT....9 Mortgage against animals or materials. When animals or materials have been destroyed pursuant to...
9 CFR 53.9 - Mortgage against animals or materials.
Code of Federal Regulations, 2010 CFR
2010-01-01
... 9 Animals and Animal Products 1 2010-01-01 2010-01-01 false Mortgage against animals or materials. 53.9 Section 53.9 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT....9 Mortgage against animals or materials. When animals or materials have been destroyed pursuant to...
9 CFR 53.9 - Mortgage against animals or materials.
Code of Federal Regulations, 2013 CFR
2013-01-01
... 9 Animals and Animal Products 1 2013-01-01 2013-01-01 false Mortgage against animals or materials. 53.9 Section 53.9 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT....9 Mortgage against animals or materials. When animals or materials have been destroyed pursuant to...
9 CFR 53.9 - Mortgage against animals or materials.
Code of Federal Regulations, 2011 CFR
2011-01-01
... 9 Animals and Animal Products 1 2011-01-01 2011-01-01 false Mortgage against animals or materials. 53.9 Section 53.9 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT....9 Mortgage against animals or materials. When animals or materials have been destroyed pursuant to...
9 CFR 53.9 - Mortgage against animals or materials.
Code of Federal Regulations, 2014 CFR
2014-01-01
... 9 Animals and Animal Products 1 2014-01-01 2014-01-01 false Mortgage against animals or materials. 53.9 Section 53.9 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT....9 Mortgage against animals or materials. When animals or materials have been destroyed pursuant to...
78 FR 13885 - Notice of HUD-Held Multifamily & Healthcare Loan Sale, Second Offering (MHLS 2013-1)
Federal Register 2010, 2011, 2012, 2013, 2014
2013-03-01
... Multifamily & Healthcare Loan Sale, Second Offering (MHLS 2013-1) AGENCY: Office of the Assistant Secretary...: This notice announces HUD's intention to sell certain unsubsidized healthcare mortgage loans, without... offering in MHLS 2013-1, certain unsubsidized mortgage loans (Mortgage Loans) secured by two healthcare...
Federal Register 2010, 2011, 2012, 2013, 2014
2013-09-26
... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5737-N-01] Multifamily, Healthcare... Administration (FHA) Multifamily, Healthcare Facilities, and Hospital mortgage insurance programs that have..., Healthcare Facilities, and Hospital mortgage insurance programs. This Notice does not apply to loans insured...
75 FR 54900 - Notice of HUD-Held Multifamily and Healthcare Loan Sale (MHLS 2010-2)
Federal Register 2010, 2011, 2012, 2013, 2014
2010-09-09
... Multifamily and Healthcare Loan Sale (MHLS 2010-2) AGENCY: Office of the Assistant Secretary for Housing... announces HUD's intention to sell certain unsubsidized multifamily and healthcare mortgage loans, without... unsubsidized mortgage loans (Mortgage Loans) secured by multifamily and healthcare properties located...
24 CFR 236.252 - First, second, and third mortgage insurance premiums.
Code of Federal Regulations, 2010 CFR
2010-04-01
... insurance premiums. 236.252 Section 236.252 Housing and Urban Development Regulations Relating to Housing... insurance premiums. All of the provisions of § 207.252 of this chapter governing the first, second, and third mortgage insurance premiums shall apply to mortgages insured under this subpart, except: (a) Where...
24 CFR 251.6 - Method of payment of mortgage insurance premiums.
Code of Federal Regulations, 2010 CFR
2010-04-01
... insurance premiums. 251.6 Section 251.6 Housing and Urban Development Regulations Relating to Housing and... HOUSING PROJECTS § 251.6 Method of payment of mortgage insurance premiums. In the cases that the... affected lenders, that mortgage insurance premiums be remitted electronically. [63 FR 1303, Jan. 8, 1998] ...
24 CFR 203.26 - Mortgagor's payments when mortgage is executed.
Code of Federal Regulations, 2010 CFR
2010-04-01
... rents, if any, the estimated taxes, special assessments, flood insurance premiums, if required, and fire and other hazard insurance premiums for the period beginning on the last date on which each such... installment payment under the mortgage, plus an amount sufficient to pay the mortgage insurance premium from...
24 CFR 236.252 - First, second, and third mortgage insurance premiums.
Code of Federal Regulations, 2011 CFR
2011-04-01
... insurance premiums. 236.252 Section 236.252 Housing and Urban Development Regulations Relating to Housing... insurance premiums. All of the provisions of § 207.252 of this chapter governing the first, second, and third mortgage insurance premiums shall apply to mortgages insured under this subpart, except: (a) Where...
24 CFR 203.26 - Mortgagor's payments when mortgage is executed.
Code of Federal Regulations, 2011 CFR
2011-04-01
... rents, if any, the estimated taxes, special assessments, flood insurance premiums, if required, and fire and other hazard insurance premiums for the period beginning on the last date on which each such... installment payment under the mortgage, plus an amount sufficient to pay the mortgage insurance premium from...
24 CFR 251.6 - Method of payment of mortgage insurance premiums.
Code of Federal Regulations, 2011 CFR
2011-04-01
... insurance premiums. 251.6 Section 251.6 Housing and Urban Development Regulations Relating to Housing and... HOUSING PROJECTS § 251.6 Method of payment of mortgage insurance premiums. In the cases that the... affected lenders, that mortgage insurance premiums be remitted electronically. [63 FR 1303, Jan. 8, 1998] ...
26 CFR 301.7701(i)-0 - Outline of taxable mortgage pool provisions.
Code of Federal Regulations, 2011 CFR
2011-04-01
... certain credit enhancement contracts. (i) In general. (ii) Credit enhancement contract defined. (5...) Payments with respect to a mortgage defined. (C) Entity treated as not anticipating payments. (d) Real estate mortgages or interests therein defined. (1) In general. (2) Interests in real property and real...
26 CFR 301.7701(i)-0 - Outline of taxable mortgage pool provisions.
Code of Federal Regulations, 2010 CFR
2010-04-01
... certain credit enhancement contracts. (i) In general. (ii) Credit enhancement contract defined. (5...) Payments with respect to a mortgage defined. (C) Entity treated as not anticipating payments. (d) Real estate mortgages or interests therein defined. (1) In general. (2) Interests in real property and real...
24 CFR 266.410 - Mortgage provisions.
Code of Federal Regulations, 2010 CFR
2010-04-01
... HOUSING FINANCE AGENCY RISK-SHARING PROGRAM FOR INSURED AFFORDABLE MULTIFAMILY PROJECT LOANS Mortgage and... than the purpose intended on the day the mortgage was executed. The conversion of a project from rental... requirements apply as long as the HFA retains an interest in the project and final claim settlement has not...
Code of Federal Regulations, 2011 CFR
2011-07-01
... 8a.1 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS VETERANS MORTGAGE LIFE... title to the housing unit for which his or her grant was made. (b) The term Veterans Mortgage Life Insurance (VMLI) means the mortgage protection life insurance authorized for veterans under 38 U.S.C. 2106...
Federal Register 2010, 2011, 2012, 2013, 2014
2011-09-07
...)(C) A. Overview B. Management Style and Corporate Governance C. Similarities to Traditional... their investment advisers. B. Management Style and Corporate Governance Some mortgage-related pools are..., Division of Investment Management, Securities and Exchange Commission, 100 F Street, NE., Washington, DC...
12 CFR 1007.103 - Registration of mortgage loan originators.
Code of Federal Regulations, 2013 CFR
2013-01-01
...) Principal business location address and business contact information; (D) Social security number; (E) Gender... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Registration of mortgage loan originators. 1007.103 Section 1007.103 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION S.A.F.E. MORTGAGE...
12 CFR 1007.103 - Registration of mortgage loan originators.
Code of Federal Regulations, 2014 CFR
2014-01-01
...) Principal business location address and business contact information; (D) Social security number; (E) Gender... 12 Banks and Banking 8 2014-01-01 2014-01-01 false Registration of mortgage loan originators. 1007.103 Section 1007.103 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION S.A.F.E. MORTGAGE...
12 CFR 1007.103 - Registration of mortgage loan originators.
Code of Federal Regulations, 2012 CFR
2012-01-01
...) Principal business location address and business contact information; (D) Social security number; (E) Gender... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Registration of mortgage loan originators. 1007.103 Section 1007.103 Banks and Banking BUREAU OF CONSUMER FINANCIAL PROTECTION S.A.F.E. MORTGAGE...
12 CFR 615.5570 - Book-entry procedures for Federal Agricultural Mortgage Corporation Securities.
Code of Federal Regulations, 2010 CFR
2010-01-01
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Book-entry procedures for Federal Agricultural Mortgage Corporation Securities. 615.5570 Section 615.5570 Banks and Banking FARM CREDIT ADMINISTRATION... Federal Agricultural Mortgage Corporation Securities § 615.5570 Book-entry procedures for Federal...
12 CFR 615.5570 - Book-entry procedures for Federal Agricultural Mortgage Corporation Securities.
Code of Federal Regulations, 2014 CFR
2014-01-01
... 12 Banks and Banking 7 2014-01-01 2014-01-01 false Book-entry procedures for Federal Agricultural Mortgage Corporation Securities. 615.5570 Section 615.5570 Banks and Banking FARM CREDIT ADMINISTRATION... Federal Agricultural Mortgage Corporation Securities § 615.5570 Book-entry procedures for Federal...
12 CFR 615.5570 - Book-entry procedures for Federal Agricultural Mortgage Corporation Securities.
Code of Federal Regulations, 2013 CFR
2013-01-01
... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Book-entry procedures for Federal Agricultural Mortgage Corporation Securities. 615.5570 Section 615.5570 Banks and Banking FARM CREDIT ADMINISTRATION... Federal Agricultural Mortgage Corporation Securities § 615.5570 Book-entry procedures for Federal...
76 FR 78465 - Home Mortgage Disclosure (Regulation C)
Federal Register 2010, 2011, 2012, 2013, 2014
2011-12-19
... 44 U.S.C. 1510. #0; #0;The Code of Federal Regulations is sold by the Superintendent of Documents. #0... Mortgage Disclosure (Regulation C) AGENCY: Bureau of Consumer Financial Protection. ACTION: Interim final... a new Regulation C (Home Mortgage Disclosure). This interim final rule does not impose any new...
24 CFR 235.1220 - Processing section 235(r) mortgages under the direct endorsement program.
Code of Federal Regulations, 2010 CFR
2010-04-01
... under the direct endorsement program. 235.1220 Section 235.1220 Housing and Urban Development... National Housing Act Eligibility Requirements; Direct Endorsement § 235.1220 Processing section 235(r) mortgages under the direct endorsement program. The regulations containing the requirements which a mortgage...
Federal Register 2010, 2011, 2012, 2013, 2014
2013-05-02
...This rule proposes amendments to some of the final mortgage rules issued by the Bureau of Consumer Financial Protection (Bureau) in January of 2013. These amendments clarify or correct provisions on the relation to State law of Regulation X's servicing provisions; the small servicer exemption from certain servicing rules; the use of government- sponsored enterprise and Federal agency purchase, guarantee or insurance eligibility for determining qualified mortgage status; and the determination of debt and income for purposes of originating qualified mortgages.
Optimal Mortgage Refinancing: A Closed Form Solution
Agarwal, Sumit; Driscoll, John C.; Laibson, David I.
2013-01-01
We derive the first closed-form optimal refinancing rule: Refinance when the current mortgage interest rate falls below the original rate by at least 1ψ[ϕ+W(−exp(−ϕ))]. In this formula W(.) is the Lambert W-function, ψ=2(ρ+λ)σ,ϕ=1+ψ(ρ+λ)κ∕M(1−τ), ρ is the real discount rate, λ is the expected real rate of exogenous mortgage repayment, σ is the standard deviation of the mortgage rate, κ/M is the ratio of the tax-adjusted refinancing cost and the remaining mortgage value, and τ is the marginal tax rate. This expression is derived by solving a tractable class of refinancing problems. Our quantitative results closely match those reported by researchers using numerical methods. PMID:25843977
78 FR 59890 - Qualified Mortgage Definition for HUD Insured and Guaranteed Single Family Mortgages
Federal Register 2010, 2011, 2012, 2013, 2014
2013-09-30
..., which was initially the Federal Reserve Board and is now the Consumer Financial Protection Bureau (CFPB... serious financial crisis since the Great Depression. In developing a proposed definition of qualified... terms of the mortgage must not result in a balloon payment; (iii) the income and financial resources of...
26 CFR 1.166-6 - Sale of mortgaged or pledged property.
Code of Federal Regulations, 2010 CFR
2010-04-01
...-6 Sale of mortgaged or pledged property. (a) Deficiency deductible as bad debt—(1) Principal amount... been returned by him) as a bad debt for the taxable year in which it becomes wholly worthless or is... mortgaged or pledged property by certain mutual savings banks, domestic building and loan associations, and...
Federal Register 2010, 2011, 2012, 2013, 2014
2012-06-14
... Act. The Department is soliciting public comments on the subject proposal. FHA insurance is an... essential that FHA maintain a healthy mortgage insurance fund through premiums charged the borrower by FHA... policy and guidance to the single family housing mortgage industry regarding changes in FHA's program is...
Undergraduate Research: Mathematical Modeling of Mortgages
ERIC Educational Resources Information Center
Choi, Youngna; Spero, Steven
2010-01-01
In this article, we study financing in the real estate market and show how various types of mortgages can be modeled and analyzed. With only an introductory level of interest theory, finance, and calculus, we model and analyze three types of popular mortgages with real life examples that explain the background and inevitable outcome of the current…
24 CFR 235.331 - Increased maximum mortgage amount for physically handicapped persons.
Code of Federal Regulations, 2014 CFR
2014-04-01
... for physically handicapped persons. 235.331 Section 235.331 Housing and Urban Development Regulations... maximum mortgage amount for physically handicapped persons. If the mortgage relates to a dwelling unit to be occupied by a handicapped person as defined in § 235.5(c)(2), the otherwise applicable dollar...
24 CFR 235.331 - Increased maximum mortgage amount for physically handicapped persons.
Code of Federal Regulations, 2010 CFR
2010-04-01
... for physically handicapped persons. 235.331 Section 235.331 Housing and Urban Development Regulations... maximum mortgage amount for physically handicapped persons. If the mortgage relates to a dwelling unit to be occupied by a handicapped person as defined in § 235.5(c)(2), the otherwise applicable dollar...
24 CFR 235.331 - Increased maximum mortgage amount for physically handicapped persons.
Code of Federal Regulations, 2012 CFR
2012-04-01
... for physically handicapped persons. 235.331 Section 235.331 Housing and Urban Development Regulations... maximum mortgage amount for physically handicapped persons. If the mortgage relates to a dwelling unit to be occupied by a handicapped person as defined in § 235.5(c)(2), the otherwise applicable dollar...
24 CFR 235.331 - Increased maximum mortgage amount for physically handicapped persons.
Code of Federal Regulations, 2011 CFR
2011-04-01
... for physically handicapped persons. 235.331 Section 235.331 Housing and Urban Development Regulations... maximum mortgage amount for physically handicapped persons. If the mortgage relates to a dwelling unit to be occupied by a handicapped person as defined in § 235.5(c)(2), the otherwise applicable dollar...
24 CFR 235.331 - Increased maximum mortgage amount for physically handicapped persons.
Code of Federal Regulations, 2013 CFR
2013-04-01
... for physically handicapped persons. 235.331 Section 235.331 Housing and Urban Development Regulations... maximum mortgage amount for physically handicapped persons. If the mortgage relates to a dwelling unit to be occupied by a handicapped person as defined in § 235.5(c)(2), the otherwise applicable dollar...
26 CFR 1.25-4T - Qualified mortgage credit certificate program (Temporary).
Code of Federal Regulations, 2010 CFR
2010-04-01
... designed to ensure that only those individuals who could not otherwise purchase a residence will benefit... report is filed. The report need not be amended to reflect information learned subsequent to the date of... similar private mortgage insurance on an individual's mortgage are permissible so long as such amounts do...
Federal Register 2010, 2011, 2012, 2013, 2014
2010-07-27
... for Public Comment on Assessment of Consumer Protection Gaps for Home Equity Conversion Mortgage... Assessment of Consumer Protection Gaps for Home Equity Conversion Mortgage Borrowers. OMB Control Number... collection. A twenty-minute phone survey will be conduced among 600 Home Equity Conversion Mortgage (HECM...
12 CFR 1026.32 - Requirements for certain closed-end home mortgages.
Code of Federal Regulations, 2013 CFR
2013-01-01
... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Requirements for certain closed-end home... LENDING (REGULATION Z) Special Rules for Certain Home Mortgage Transactions § 1026.32 Requirements for certain closed-end home mortgages. (a) Coverage. (1) Except as provided in paragraph (a)(2) of this...
12 CFR 226.32 - Requirements for certain closed-end home mortgages.
Code of Federal Regulations, 2010 CFR
2010-01-01
... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Requirements for certain closed-end home... THE FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Special Rules for Certain Home Mortgage Transactions § 226.32 Requirements for certain closed-end home mortgages. (a) Coverage. (1) Except as provided...
12 CFR 226.32 - Requirements for certain closed-end home mortgages.
Code of Federal Regulations, 2014 CFR
2014-01-01
... 12 Banks and Banking 3 2014-01-01 2014-01-01 false Requirements for certain closed-end home... THE FEDERAL RESERVE SYSTEM (CONTINUED) TRUTH IN LENDING (REGULATION Z) Special Rules for Certain Home Mortgage Transactions § 226.32 Requirements for certain closed-end home mortgages. (a) Coverage. (1) Except...
12 CFR 1263.9 - Makes long-term home mortgage loans requirement.
Code of Federal Regulations, 2013 CFR
2013-01-01
... 12 Banks and Banking 9 2013-01-01 2013-01-01 false Makes long-term home mortgage loans requirement. 1263.9 Section 1263.9 Banks and Banking FEDERAL HOUSING FINANCE AGENCY FEDERAL HOME LOAN BANKS MEMBERS OF THE BANKS Eligibility Requirements § 1263.9 Makes long-term home mortgage loans requirement. An...
12 CFR 1263.9 - Makes long-term home mortgage loans requirement.
Code of Federal Regulations, 2011 CFR
2011-01-01
... 12 Banks and Banking 7 2011-01-01 2011-01-01 false Makes long-term home mortgage loans requirement. 1263.9 Section 1263.9 Banks and Banking FEDERAL HOUSING FINANCE AGENCY FEDERAL HOME LOAN BANKS MEMBERS OF THE BANKS Eligibility Requirements § 1263.9 Makes long-term home mortgage loans requirement. An...
12 CFR 226.32 - Requirements for certain closed-end home mortgages.
Code of Federal Regulations, 2012 CFR
2012-01-01
... 12 Banks and Banking 3 2012-01-01 2012-01-01 false Requirements for certain closed-end home... THE FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Special Rules for Certain Home Mortgage Transactions § 226.32 Requirements for certain closed-end home mortgages. (a) Coverage. (1) Except as provided...
12 CFR 1026.32 - Requirements for certain closed-end home mortgages.
Code of Federal Regulations, 2012 CFR
2012-01-01
... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Requirements for certain closed-end home... LENDING (REGULATION Z) Special Rules for Certain Home Mortgage Transactions § 1026.32 Requirements for certain closed-end home mortgages. (a) Coverage. (1) Except as provided in paragraph (a)(2) of this...
Federal Register 2010, 2011, 2012, 2013, 2014
2011-03-29
... Proposed Information Collection to OMB Rehabilitation Mortgage Insurance Underwriting Program Section 203(K... processes for participants in HUD-FHA's 203(K) Rehabilitation Mortgage Insurance Program. DATES: Comments... Program Section 203(K). OMB Approval Number: 2502-0527. Form Numbers: HUD-92700, HUD-92700-A, HUD-9746-A...
24 CFR 252.6 - Method of payment of mortgage insurance premiums.
Code of Federal Regulations, 2010 CFR
2010-04-01
... insurance premiums. 252.6 Section 252.6 Housing and Urban Development Regulations Relating to Housing and..., AND BOARD AND CARE HOMES § 252.6 Method of payment of mortgage insurance premiums. The provisions of..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT...
24 CFR 236.253 - Premiums-operating loss loans.
Code of Federal Regulations, 2010 CFR
2010-04-01
... Obligations for Mortgage Insurance § 236.253 Premiums—operating loss loans. All of the provisions of § 207.252a of this chapter relating to mortgage insurance premiums on operating loss loans shall apply to... Act the mortgage insurance premiums due in accordance with § 207.252a shall be calculated on the basis...
24 CFR 207.252e - Method of payment of mortgage insurance premiums.
Code of Federal Regulations, 2010 CFR
2010-04-01
... insurance premiums. 207.252e Section 207.252e Housing and Urban Development Regulations Relating to Housing... Premiums § 207.252e Method of payment of mortgage insurance premiums. In the cases that the Commissioner... mortgagees, that mortgage insurance premiums be remitted electronically. [63 FR 1303, Jan. 8, 1998] ...
24 CFR 255.6 - Method of payment of mortgage insurance premiums.
Code of Federal Regulations, 2011 CFR
2011-04-01
... insurance premiums. 255.6 Section 255.6 Housing and Urban Development Regulations Relating to Housing and... PROJECTS § 255.6 Method of payment of mortgage insurance premiums. The provisions of 24 CFR 251.6 shall..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT...
24 CFR 236.253 - Premiums-operating loss loans.
Code of Federal Regulations, 2011 CFR
2011-04-01
... Obligations for Mortgage Insurance § 236.253 Premiums—operating loss loans. All of the provisions of § 207.252a of this chapter relating to mortgage insurance premiums on operating loss loans shall apply to... Act the mortgage insurance premiums due in accordance with § 207.252a shall be calculated on the basis...
24 CFR 252.6 - Method of payment of mortgage insurance premiums.
Code of Federal Regulations, 2011 CFR
2011-04-01
... insurance premiums. 252.6 Section 252.6 Housing and Urban Development Regulations Relating to Housing and..., AND BOARD AND CARE HOMES § 252.6 Method of payment of mortgage insurance premiums. The provisions of..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT...
24 CFR 207.252e - Method of payment of mortgage insurance premiums.
Code of Federal Regulations, 2011 CFR
2011-04-01
... insurance premiums. 207.252e Section 207.252e Housing and Urban Development Regulations Relating to Housing... Premiums § 207.252e Method of payment of mortgage insurance premiums. In the cases that the Commissioner... mortgagees, that mortgage insurance premiums be remitted electronically. [63 FR 1303, Jan. 8, 1998] ...
24 CFR 203.43e - Eligibility of mortgages covering houses in federally impacted areas.
Code of Federal Regulations, 2010 CFR
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Eligibility of mortgages covering houses in federally impacted areas. 203.43e Section 203.43e Housing and Urban Development Regulations... Requirements and Underwriting Procedures Eligible Properties § 203.43e Eligibility of mortgages covering houses...
26 CFR 6a.103A-1 - Interest on mortgage subsidy bonds.
Code of Federal Regulations, 2010 CFR
2010-04-01
... interest on a mortgage subsidy bond is includable in gross income and subject to Federal income taxation... the regulations thereunder. (4) Advance refunding. On or after December 5, 1980, no tax-exempt obligation may be issued for the advance refunding of a mortgage subsidy bond (determined without regard to...
24 CFR 203.43e - Eligibility of mortgages covering houses in federally impacted areas.
Code of Federal Regulations, 2011 CFR
2011-04-01
... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Eligibility of mortgages covering houses in federally impacted areas. 203.43e Section 203.43e Housing and Urban Development Regulations... Requirements and Underwriting Procedures Eligible Properties § 203.43e Eligibility of mortgages covering houses...
12 CFR 338.9 - Mortgage lending of a controlled entity.
Code of Federal Regulations, 2010 CFR
2010-01-01
... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Mortgage lending of a controlled entity. 338.9 Section 338.9 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY FAIR HOUSING Recordkeeping § 338.9 Mortgage lending of a controlled entity. Any bank which...
Federal Register 2010, 2011, 2012, 2013, 2014
2013-07-10
...-AJ16 Federal Housing Administration (FHA) Multifamily Mortgage Insurance; Capturing Excess Claim... reimbursement to FHA of excess claim proceeds. When a mortgagee finances mortgages through the issuance and sale of bonds or through bond anticipation notes, the mortgagee uses the FHA insurance claim funds to pay...
24 CFR 203.512 - Free assumability; exceptions.
Code of Federal Regulations, 2010 CFR
2010-04-01
... a junior lien granted to the mortgagee after settlement on the insured mortgage. (b) Credit review. If approval is required by the mortgage, the mortgagee shall not approve the sale or other transfer of all or part of the mortgaged property, or the sale or transfer of a beneficial interest in a trust...
ERIC Educational Resources Information Center
Quercia, Roberto; Spader, Jonathan
2008-01-01
The lack of industry wide data on homeownership education and counseling (HEC) programs has severely limited evaluation. In particular, very little evidence exists on the relationship between HEC completion and loan prepayment, an outcome of interest to both mortgage lenders and consumer advocates. Where mortgage prepayment directly influences the…
24 CFR 203.434 - Declaration of trust.
Code of Federal Regulations, 2010 CFR
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Declaration of trust. 203.434... Mortgage § 203.434 Declaration of trust. A sale of a beneficial interest in a group of insured mortgages... interest in a specific mortgage shall be made only pursuant to a declaration of trust, which has been...
A boundary PDE feedback control approach for the stabilization of mortgage price dynamics
NASA Astrophysics Data System (ADS)
Rigatos, G.; Siano, P.; Sarno, D.
2017-11-01
Several transactions taking place in financial markets are dependent on the pricing of mortgages (loans for the purchase of residences, land or farms). In this article, a method for stabilization of mortgage price dynamics is developed. It is considered that mortgage prices follow a PDE model which is equivalent to a multi-asset Black-Scholes PDE. Actually it is a diffusion process evolving in a 2D assets space, where the first asset is the house price and the second asset is the interest rate. By applying semi-discretization and a finite differences scheme this multi-asset PDE is transformed into a state-space model consisting of ordinary nonlinear differential equations. For the local subsystems, into which the mortgage PDE is decomposed, it becomes possible to apply boundary-based feedback control. The controller design proceeds by showing that the state-space model of the mortgage price PDE stands for a differentially flat system. Next, for each subsystem which is related to a nonlinear ODE, a virtual control input is computed, that can invert the subsystem's dynamics and can eliminate the subsystem's tracking error. From the last row of the state-space description, the control input (boundary condition) that is actually applied to the multi-factor mortgage price PDE system is found. This control input contains recursively all virtual control inputs which were computed for the individual ODE subsystems associated with the previous rows of the state-space equation. Thus, by tracing the rows of the state-space model backwards, at each iteration of the control algorithm, one can finally obtain the control input that should be applied to the mortgage price PDE system so as to assure that all its state variables will converge to the desirable setpoints. By showing the feasibility of such a control method it is also proven that through selected modification of the PDE boundary conditions the price of the mortgage can be made to converge and stabilize at specific reference values.
Iroham, Chukwuemeka O; Okagbue, Hilary I; Ogunkoya, Olalekan A; Owolabi, James D
2017-06-01
In this article, two sets of questionnaires were administered to professionals and clients (commercial banks) on their willingness to negotiate the professional fees charged by the Estate Valuers assuming that the mortgage in valuation was financed by bank loan. A range of fees options were provided. Other factors such as the business environment and mortgage valuation can influence the negotiated fees when the data obtained from the survey data is analyzed.
AN INTRODUCTION TO ESSENTIALS OF BIO-MEDICAL WASTE MANAGEMENT.
Singh, Z; Bhalwar, R; Jayaram, J; Tilak, V W
2001-04-01
The issue of biomedical waste management has assumed great significance in recent times particularly in view of the rapid upsurge of HIV infection. Government of India has made proper handling and disposal of this category of waste a statutory requirement with the publication of gazette notification no 460 dated 27 July 1998. The provisions are equally applicable to our service hospitals and hence there is a need for all the service medical, dental, nursing officers, other paramedical staff and safaiwalas to be well aware of the basic principles of handling, treatment and disposal of biomedical waste. The present article deals with such basic issues as definition, categories and principles of handling and disposal of biomedical waste.
17 CFR 210.12-23 - Mortgage loans on real estate and interest earned on mortgages. 1
Code of Federal Regulations, 2012 CFR
2012-04-01
... period 5 Liens on: Farms (total) Residential (total) Apartments and business (total) Unimproved (total) Total 12 1 All money columns shall be totaled. 2 If mortgages represent other than first liens, list... the total of column G with the amount shown in the profit and loss or income statement, interest...
17 CFR 210.12-23 - Mortgage loans on real estate and interest earned on mortgages. 1
Code of Federal Regulations, 2013 CFR
2013-04-01
... period 5 Liens on: Farms (total) Residential (total) Apartments and business (total) Unimproved (total) Total 12 1 All money columns shall be totaled. 2 If mortgages represent other than first liens, list... the total of column G with the amount shown in the profit and loss or income statement, interest...
ERIC Educational Resources Information Center
Collins, J. Michael
2009-01-01
This paper uses 2005 Home Mortgage Disclosure Act data aggregated by census tract to measure the relationship between census tract-level college completion rates and the rates at which first lien refinance mortgage applicants submit incomplete loan applications, withdraw loan applications before they are reviewed, and reject lender approved loan…
26 CFR 1.25-1T - Credit for interest paid on certain home mortgages (Temporary).
Code of Federal Regulations, 2010 CFR
2010-04-01
... 26 Internal Revenue 1 2010-04-01 2010-04-01 true Credit for interest paid on certain home... on certain home mortgages (Temporary). (a) In general. Section 25 permits States and political... District of Columbia. (ii) Mortgage credit certificates issued by or on behalf of any State or political...
26 CFR 1.25-1T - Credit for interest paid on certain home mortgages (Temporary).
Code of Federal Regulations, 2011 CFR
2011-04-01
... 26 Internal Revenue 1 2011-04-01 2009-04-01 true Credit for interest paid on certain home... on certain home mortgages (Temporary). (a) In general. Section 25 permits States and political... District of Columbia. (ii) Mortgage credit certificates issued by or on behalf of any State or political...
12 CFR Appendix A to Subpart B of... - Risk-Based Capital Test Methodology and Specifications
Code of Federal Regulations, 2013 CFR
2013-01-01
....3.2, Mortgage Amortization Schedule Inputs 3-32, Loan Group Inputs for Mortgage Amortization... Prepayment Explanatory Variables F 3.6.3.5.2, Multifamily Default and Prepayment Inputs 3-38, Loan Group... Group inputs for Gross Loss Severity F 3.3.4, Interest Rates Outputs3.6.3.3.4, Mortgage Amortization...
12 CFR Appendix A to Subpart B of... - Risk-Based Capital Test Methodology and Specifications
Code of Federal Regulations, 2011 CFR
2011-01-01
....3.2, Mortgage Amortization Schedule Inputs 3-32, Loan Group Inputs for Mortgage Amortization... Prepayment Explanatory Variables F 3.6.3.5.2, Multifamily Default and Prepayment Inputs 3-38, Loan Group... Group inputs for Gross Loss Severity F 3.3.4, Interest Rates Outputs3.6.3.3.4, Mortgage Amortization...
24 CFR 207.259a - Waiver of title objection; mortgages formerly Commissioner-held.
Code of Federal Regulations, 2010 CFR
2010-04-01
... UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MULTIFAMILY HOUSING MORTGAGE INSURANCE Contract Rights and Obligations Rights and Duties of Mortgagee Under the Contract of Insurance § 207.259a Waiver of... any lien or other adverse interest that was senior to the mortgage on the date of the original sale of...
24 CFR 203.43f - Eligibility of mortgages covering manufactured homes.
Code of Federal Regulations, 2014 CFR
2014-04-01
... manufactured homes. 203.43f Section 203.43f Housing and Urban Development Regulations Relating to Housing and... Procedures Eligible Properties § 203.43f Eligibility of mortgages covering manufactured homes. A mortgage covering a one-family manufactured home (as defined in 24 CFR 3280.2(a)(16)) that meets the requirements of...
24 CFR 203.43f - Eligibility of mortgages covering manufactured homes.
Code of Federal Regulations, 2010 CFR
2010-04-01
... manufactured homes. 203.43f Section 203.43f Housing and Urban Development Regulations Relating to Housing and... Procedures Eligible Properties § 203.43f Eligibility of mortgages covering manufactured homes. A mortgage covering a one-family manufactured home (as defined in 24 CFR 3280.2(a)(16)) that meets the requirements of...
24 CFR 203.43f - Eligibility of mortgages covering manufactured homes.
Code of Federal Regulations, 2013 CFR
2013-04-01
... manufactured homes. 203.43f Section 203.43f Housing and Urban Development Regulations Relating to Housing and... Procedures Eligible Properties § 203.43f Eligibility of mortgages covering manufactured homes. A mortgage covering a one-family manufactured home (as defined in 24 CFR 3280.2(a)(16)) that meets the requirements of...
Code of Federal Regulations, 2011 CFR
2011-01-01
... Reverse Mortgage Transactions K Appendix K to Part 226 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Pt. 226, App. K Appendix K to Part 226—Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions (a...
Code of Federal Regulations, 2012 CFR
2012-01-01
... Reverse Mortgage Transactions K Appendix K to Part 226 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Pt. 226, App. K Appendix K to Part 226—Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions (a...
Code of Federal Regulations, 2010 CFR
2010-01-01
... Reverse Mortgage Transactions K Appendix K to Part 226 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Pt. 226, App. K Appendix K to Part 226—Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions (a...
26 CFR 1.67-3 - Allocation of expenses by real estate mortgage investment conduits.
Code of Federal Regulations, 2011 CFR
2011-04-01
... 26 Internal Revenue 2 2011-04-01 2011-04-01 false Allocation of expenses by real estate mortgage investment conduits. 1.67-3 Section 1.67-3 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE... Gross Income, and Taxable Income § 1.67-3 Allocation of expenses by real estate mortgage investment...
17 CFR 210.12-29 - Mortgage loans on real estate. 1
Code of Federal Regulations, 2012 CFR
2012-04-01
... 17 Commodity and Securities Exchanges 2 2012-04-01 2012-04-01 false Mortgage loans on real estate... AND CONSERVATION ACT OF 1975 Form and Content of Schedules § 210.12-29 Mortgage loans on real estate. 1 [For Certain Real Estate Companies] Column A—Description 2,3,4 Column B—Interest rate Column C...
26 CFR 1.67-3 - Allocation of expenses by real estate mortgage investment conduits.
Code of Federal Regulations, 2013 CFR
2013-04-01
... 26 Internal Revenue 2 2013-04-01 2013-04-01 false Allocation of expenses by real estate mortgage investment conduits. 1.67-3 Section 1.67-3 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE... Gross Income, and Taxable Income § 1.67-3 Allocation of expenses by real estate mortgage investment...
26 CFR 1.67-3 - Allocation of expenses by real estate mortgage investment conduits.
Code of Federal Regulations, 2012 CFR
2012-04-01
... 26 Internal Revenue 2 2012-04-01 2012-04-01 false Allocation of expenses by real estate mortgage investment conduits. 1.67-3 Section 1.67-3 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE... Gross Income, and Taxable Income § 1.67-3 Allocation of expenses by real estate mortgage investment...
17 CFR 210.12-29 - Mortgage loans on real estate. 1
Code of Federal Regulations, 2013 CFR
2013-04-01
... 17 Commodity and Securities Exchanges 2 2013-04-01 2013-04-01 false Mortgage loans on real estate... AND CONSERVATION ACT OF 1975 Form and Content of Schedules § 210.12-29 Mortgage loans on real estate. 1 [For Certain Real Estate Companies] Column A—Description 2,3,4 Column B—Interest rate Column C...
26 CFR 1.67-3 - Allocation of expenses by real estate mortgage investment conduits.
Code of Federal Regulations, 2010 CFR
2010-04-01
... 26 Internal Revenue 2 2010-04-01 2010-04-01 false Allocation of expenses by real estate mortgage investment conduits. 1.67-3 Section 1.67-3 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE... Gross Income, and Taxable Income § 1.67-3 Allocation of expenses by real estate mortgage investment...
26 CFR 1.67-3 - Allocation of expenses by real estate mortgage investment conduits.
Code of Federal Regulations, 2014 CFR
2014-04-01
... 26 Internal Revenue 2 2014-04-01 2014-04-01 false Allocation of expenses by real estate mortgage investment conduits. 1.67-3 Section 1.67-3 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE... Gross Income, and Taxable Income § 1.67-3 Allocation of expenses by real estate mortgage investment...
17 CFR 210.12-29 - Mortgage loans on real estate. 1
Code of Federal Regulations, 2014 CFR
2014-04-01
... 17 Commodity and Securities Exchanges 3 2014-04-01 2014-04-01 false Mortgage loans on real estate... AND CONSERVATION ACT OF 1975 For Certain Real Estate Companies § 210.12-29 Mortgage loans on real estate. 1 [For Certain Real Estate Companies] Column A—Description 2 3 4 Column B—Interest rate Column C...
24 CFR 203.284 - Calculation of up-front and annual MIP on or after July 1, 1991.
Code of Federal Regulations, 2010 CFR
2010-04-01
... Obligations Calculation of Mortgage Insurance Premium on Or After July 1, 1991 § 203.284 Calculation of up... refund all of the unearned premium charges paid on a mortgage upon termination of insurance by voluntary... HOUSING COMMISSIONER, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS...
24 CFR 203.284 - Calculation of up-front and annual MIP on or after July 1, 1991.
Code of Federal Regulations, 2011 CFR
2011-04-01
... Obligations Calculation of Mortgage Insurance Premium on Or After July 1, 1991 § 203.284 Calculation of up... refund all of the unearned premium charges paid on a mortgage upon termination of insurance by voluntary... HOUSING COMMISSIONER, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS...
26 CFR 301.7701(i)-3 - Effective dates and duration of taxable mortgage pool classification.
Code of Federal Regulations, 2010 CFR
2010-04-01
... mortgage pool classification. 301.7701(i)-3 Section 301.7701(i)-3 Internal Revenue INTERNAL REVENUE SERVICE... § 301.7701(i)-3 Effective dates and duration of taxable mortgage pool classification. (a) Effective...(c) of the Tax Reform Act of 1986. (2) Special rule for certain transfers. A transfer made to an...
26 CFR 301.7701(i)-3 - Effective dates and duration of taxable mortgage pool classification.
Code of Federal Regulations, 2011 CFR
2011-04-01
... mortgage pool classification. 301.7701(i)-3 Section 301.7701(i)-3 Internal Revenue INTERNAL REVENUE SERVICE... § 301.7701(i)-3 Effective dates and duration of taxable mortgage pool classification. (a) Effective... connected to the entity's issuance of related debt obligations (as defined in paragraph (b)(3) of this...
24 CFR 203.18 - Maximum mortgage amounts.
Code of Federal Regulations, 2010 CFR
2010-04-01
... Housing Act, if that provision is in effect and applies to the mortgage; or (ii) If section 203(b)(10) is not in effect or otherwise does not apply to the mortgage, the lesser of the amounts based on...), except that closing costs do not apply if section 203(b)(10) of the National Housing Act is in effect and...
24 CFR 203.18 - Maximum mortgage amounts.
Code of Federal Regulations, 2013 CFR
2013-04-01
... Housing Act, if that provision is in effect and applies to the mortgage; or (ii) If section 203(b)(10) is not in effect or otherwise does not apply to the mortgage, the lesser of the amounts based on...), except that closing costs do not apply if section 203(b)(10) of the National Housing Act is in effect and...