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Lexis Nexis 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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LexisNexis A.S. Pratt
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Product description
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.
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
