Kim, you asked specifically about 18(f), however it may be relevant to note that a hypothetical example is required on TRID loans in in the lender's ARM loan program disclosure as specified at 1026.19(b)(2)(viii) - but that would not apply to vacant land.
Last edited by Docs; 01/13/17 07:34 PM. Reason: clarification
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Just my opinion, I could be wrong. - Dennis Miller