Pratt's State Regulation of 2nd Mortgages and Home Equity Loans

A comprehensive guide for lenders engaging in second mortgages and home equity loans, which includes state-specific rules pertaining to: advertisements, application practices, bad check charges, balloon payments, brokering second mortgage loans, consumer protection, credit line/revolving credit loans, disclosures, discrimination, fees and charges, home equity loans, insurance, interest and usury, late charges, licensing, predatory lending, prepayment, prohibited loan terms, and record retention.
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ISBN: 9780769879963
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Lenders engaging in second mortgages and home equity loans need to keep up-to-date with the myriad, rapidly changing state laws and regulations.

Pratt's State Regulation of Second Mortgages and Home Equity Loans provides you with the information and guidance you need to comply with state laws and regulations.

Expert summary of laws related to each state

State-specific rules pertaining to:
  •   Introduction
  •   Advertisements
  •   Application Practices
  •   Bad Check Charges
  •   Balloon Payments
  •   Brokering Second Mortgage Loans
  •   Consumer Protection
  •   Credit Line/Revolving Credit Loans
  •   Disclosures
  •   Discrimination
  •   Fees and Charges
  •   Home Equity Loans
  •   Insurance
  •   Interest and Usury
  •   Late Charges
  •   Licensing
  •   Plain English
  •   Predatory Lending
  •   Prepayment
  •   Prohibited Loan Terms
  •   Record Retention
  •   Miscellaneous

References to the applicable laws or regulations, so you can always get the answers you need quickly and easily

With each manual in the series, you'll receive a companion .zip file at no extra charge. The .zip file contains all of the state laws, regulations, and analysis that affect making and brokering junior mortgage loans and home equity lines of credit in a searchable format. Additionally, up-to-date applications and forms for each state are conveniently located in the file for you to print or review. This is the most convenient, comprehensive resource available in the market today.

The eBook versions of this title feature links to Lexis Advance for further legal research options.

Table of Contents

Each state chapter contains the following sections:

Introduction

Advertisements

Application Practices

Bad Check Charges

Balloon Payments

Brokering Second Mortgage Loans

Consumer Protection

Credit Line/Revolving Credit Loans

Disclosures

Discrimination

Fees and Charges

Home Equity Loans

Insurance

Interest and Usury

Late Charges

Licensing

Plain English

Predatory Lending

Prepayment

Prohibited Loan Terms

Record Retention

Miscellaneous

State Regulator