If we have a rate sheet that we give to real estate agents and our loan originators, but we know the true use will be for them to hand it to consumers or post it where consumers can readily access it, wouldn't we need to have the APR on it?
We include the Equal Housing Lender logo in all our home loan ads. Are we also required to include the “Equal Opportunity Lender” logo?
What is the Grace Period for the Community Bank Leverage Ratio (CBLR) Framework?
Are we required to use the new uniform residential mortgage loan application?
What is the mandatory compliance date for the new uniform residential mortgage loan application?
Can we continue to use the old four-page uniform application with the demographic information addendum or must we convert to the new nine-page form?
Are we required to use the Lender Information Form?
How many borrowers can apply using a single Uniform Residential Mortgage Loan Application?
If an applicant chooses not to provide the borrower demographic data do we still collect it based on visual observation and surname?
If we are still delivering disclosures and statements in paper form, do we have to be concerned with E-SIGN or UETA?