MENU-TEST

1. Financing Introduction
1.1. Introduction
1.2. FINANCING INTRODUCTION
1.3. FINANCING
1.4. THE MORTGAGE
1.5. FORECLOSURE
1.6. OWNERSHIP
1.7. OVERVIEW
1.8. PRIMARY MORTGAGE MARKET
1.9. MORTGAGE COMPANIES
1.10. MORTGAGE COMPANY REQUIREMENTS
1.11. NON-DEPOSITORY MORTGAGE LOAN ORIGINATORS
1.12. MORTGAGE BANKERS
1.13. MORTGAGE BROKERS
1.14. THE MIDDLE MAN
1.15. MORTGAGE LENDING ACTIVITIES ORIGINATION
1.16. CORRESPONDENT LENDERS
1.17. LOAN PROCESSING
1.18. CLOSE
1.19. UNDERWRITING
1.20. FUND
1.21. SERVICING
1.22. AGENCIES AND LAWS AFFECTING MORTGAGE LENDING
1.23. BACKGROUND OF LOAN ORIGINATOR
1.24. SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING ACT (SAFE ACT)
1.25. SAFE ACT
1.26. CONSUMER FINANCIAL PROTECTION BUREAU (CFPB)
1.27. CONSUMER FINANCIAL PROTECTION BUREAU (CFPB)
1.28. CONSUMER FINANCIAL PROTECTION BUREAU (CFPB)
1.29. COMMUNITY REINVESTMENT ACT (CRA)
1.30. EQUAL CREDIT OPPORTUNITY ACT (ECOA)
1.31. EQUAL CREDIT OPPORTUNITY ACT (ECOA)
1.32. EQUAL CREDIT OPPORTUNITY ACT (ECOA)
1.33. TRUTH IN LENDING ACT
1.34. TRUTH IN LENDING ACT AND ADVERTISING
1.35. TRIGGERING TERMS
1.36. REQUIRED DISCLOSURES
1.37. REQUIRED DISCLOSURES
1.38. REQUIRED DISCLOSURES
1.39. SECONDARY MORTGAGE MARKET
1.40. FANNIE MAE
1.41. FANNIE MAE
1.42. FANNIE MAE
1.43. FREDDIE MAC
1.44. GOVERNMENT NATIONAL MORTGAGE ASSOCIATION
1.45. LOAN PRE-QUALIFICATION/PRE-APPROVAL
1.46. PRE-QUALIFICATION
1.47. PRE-APPROVAL
1.48. PRE-APPROVAL
1.49. GOOD FAITH ESTIMATE (GFE)
1.50. STANDARDIZED GOOD FAITH ESTIMATE (GFE))
1.51. STANDARDIZED GOOD FAITH ESTIMATE (GFE)
1.52. MORTGAGE FRAUD
1.53. LOAN APPLICATION RED FLAGS
1.54. CREDIT REPORT RED FLAGS
1.55. VERIFICATION RED FLAGS
1.56. FRAUD ENFORCEMENT AND RECOVERY ACT (FERA)
2. How Loans are Repaid
2.1. FIXED-RATE MORTGAGE
2.2. ADJUSTABLE RATE MORTGAGES
2.3. ADJUSTABLE RATE MORTGAGES
2.4. ADVANTAGES OF ARM MORTGAGE LOANS
2.5. DISADVANTAGES OF ARM MORTGAGE LOANS
2.6. MAKING THE DECISION: FIXED-RATE VS. ARM
2.7. MAKING THE DECISION: FIXED-RATE VS. ARM
2.8. OTHER LOAN PLANS BLANKET MORTGAGE
2.9. BUDGET MORTGAGE
2.10. WRAP AROUND MORTGAGE
2.11. OPEN END
2.12. REVERSE ANNUITY MORTGAGE
2.13. SELLER FINANCING
2.14. SUB PRIME LOANS
3. Conventional Loans
3.1. RESIDENTIAL LENDING PRACTICES
3.2. RATIOS
3.3. CONVENTIONAL LOAN
3.4. LTV and PMI
4. Government Loans
4.1. GOVERNMENT LOANS
4.2. FEDERAL HOUSING ADMINISTRATION - FHA
4.3. FHA MORTGAGE INSURANCE PREMIUMS
4.4. SELLER CONTRIBUTIONS
4.5. CITIZENSHIP AND IMMIGRATION STATUS
4.6. RESIDENT ALIENS
4.7. ELIGIBLE PROPERTIES
4.8. BORROWER’S AGE
4.9. BORROWER REQUIREMENTS
4.10. INCOME and ASSETS
4.11. INCOME and ASSETS
4.12. APPRAISALS
4.13. VA
4.14. VA LOAN GUARANTY
4.15. ELIGIBILITY OF A VETERAN
4.16. ENTITLEMENT and OCCUPANCY
4.17. THE 4% LIMIT
4.18. US DEPARTMENT OF AGRICULTURE
5. Texas Veterans Land Board
5.1. TVLB
5.2. LAND LOANS
5.3. HOME IMPROVEMENT LOANS
5.4. HOME LOANS
5.5. THE ROLE OF THE VLB
5.6. TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS (TDHCA)
5.7. TDHCA

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