Pratt's State Regulation of 2nd Mortgages & Home Equity Loans - Mid-Atlantic
Select a format
Select subscription type
Terms & conditions
Subscribers receive the product(s) listed on the Order Form and any Updates made available during the annual subscription period. Shipping and handling fees are not included in the annual price.
Subscribers are advised of the number of Updates that were made to the particular publication the prior year. The number of Updates may vary due to developments in the law and other publishing issues, but subscribers may use this as a rough estimate of future shipments. Subscribers may call Customer Support at 800-833-9844 for additional information.
Subscribers may cancel this subscription by: calling Customer Support at 800-833-9844; emailing firstname.lastname@example.org; or returning the invoice marked "CANCEL".
If subscribers cancel within 30 days after the product is ordered or received and return the product at their expense, then they will receive a full credit of the price for the annual subscription.
If subscribers cancel between 31 and 60 days after the invoice date and return the product at their expense, then they will receive a 5/6th credit of the price for the annual subscription. No credit will be given for cancellations more than 60 days after the invoice date. To receive any credit, subscriber must return all product(s) shipped during the year at their expense within the applicable cancellation period listed above.
Pratt's State Regulation of Second Mortgages and Home Equity Loans — Mid-Atlantic provides you with the information and guidance you need to comply with laws and regulations in Delaware, Maryland, New Jersey, Pennsylvania, Virginia, and the District of Columbia. It identifies and explains the state laws and regulations that affect second mortgage loans and home equity lines of credit.
Lenders engaging in second mortgages and home equity loans need to keep up-to-date with the myriad, rapidly changing state laws and regulations. Regulatory examination of mortgage lending, plus a more proactive approach by government agencies to regulate mortgage brokers, mortgage lenders, and the residential mortgage lending industry, requires a dependable source of information for lenders that originate second mortgages and home equity loans. The SAFE Act requires states to adopt systems for licensing and registering mortgage loan originators. Every individual residential loan originator must be licensed or registered.
Pratt's State Regulation of Second Mortgages and Home Equity Loans describes the principal laws and regulations applicable to the offering of junior lien loans, on a state-by-state basis, as well as the licensing and registration applicable to loan originators.
Each chapter deals with one state and contains standard topic entries to make it easier for you to find specific information.
eBooks, CDs, downloadable content, and software purchases are noncancelable, nonrefundable and nonreturnable. Click here for more information about LexisNexis eBooks. The eBook versions of this title may feature links to Lexis+® for further legal research options. A valid subscription to Lexis+® is required to access this content.
Table of contents
Each state chapter contains the following sections:
• Application Practices
• Bad Check Charges
• Balloon Payments
• Brokering Second Mortgage Loans
• Consumer Protection
• Credit Line/Revolving Credit Loans
• Fees and Charges
• Home Equity Loans
• Interest and Usury
• Late Charges
• Plain English
• Predatory Lending
• Prohibited Loan Terms
• Record Retention
• State Regulator