On Bridge loans and Temporary loans (other than Construction), is the Homeownership Counseling Notice required?

The homeownership counseling notice (RESPA 1024.20) applies to all federally-related mortgages as defined under Reg. X.

So, since bridge loans are not subject to RESPA, does this exempt them or since this loan is a mortgage loan by defenition then it would not be exempt from HCN.

Think about the question logically--

If the loan is exempt from RESPA under section 1024.5(b)(3), it is exempt from all of RESPA.

So the requirements of section 1024.20 would not apply.

So the requirement for providing a list of homeownership counseling organizations, which is part of 1024.20, won't apply either.

Thank you for your input. That is very helpful.

Another question, for construction loans that include transfer of land, the home ownership counseling notice is required. Is this correct?

yes, based on the same logic John uses above.