Luật vay thế chấp liên bangCâu 20 / 400
Under TRID tolerance rules, which category of charges generally may NOT increase at all from the Loan Estimate to the Closing Disclosure (a zero-tolerance category)?
a.Prepaid interest and property insurance premiums
b.Services the borrower shops for from an unaffiliated provider
c.The lender's own origination charges and transfer taxes
d.Recording fees
Giải thích
Fees paid to the lender or broker, such as origination charges, and government transfer taxes are subject to zero tolerance and generally cannot increase without a valid change of circumstance. Prepaids and certain third-party services the borrower shops for fall in other tolerance categories. Recording fees fall under a 10% aggregate tolerance, not zero tolerance.
Trích dẫn luật: TRIDLuyện miễn phí toàn bộ 400 câu hỏi — không cần đăng ký.
Câu hỏi liên quan cùng chủ đề
- Under Regulation Z, if an advertisement for a mortgage states a specific interest rate (a triggering rate) or trigger term, it must also disclose:
- The Home Ownership and Equity Protection Act (HOEPA) primarily provides additional protections for borrowers obtaining:
- For purposes of TRID's 'application' definition that triggers the Loan Estimate, an application is considered received when the lender obtains which six pieces of information?
- A loan originator wants to make telemarketing calls to generate mortgage leads. Under the federal Telemarketing/Do-Not-Call rules, a number registered on the National Do-Not-Call Registry generally may still be called if:
- Under the Mortgage Assistance Relief Services (MARS) rule (Regulation N), a company offering loan modification services to distressed homeowners is generally prohibited from:
- A creditworthy married applicant applies individually for a mortgage in her own name and qualifies on her own income. Under ECOA, may the lender require her husband to co-sign?
Cập nhật gần nhất: · quy trình kiểm tra
Đội Ngũ Biên Tập PrepPass · Đối chiếu với NMLS SAFE Mortgage Loan Originator National Test · Quy trình kiểm tra