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HEPA POINTS & FEES WORKSHEET FOR CLOSED END LOANS BEFORE 1/10/141 CALCULATING WHETHER A LOAN IS A HEPA LOAN IS A 3STEP PROCESS: 1. 2. 3. Calculate the trigger fees; Calculate the total loan amount,

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How to fill out hoepa fees amp points

01

Obtain the HOEPA disclosure form from your lender or loan officer.

02

Fill in the required information such as the loan amount, APR, and total fees.

03

Calculate the total points as a percentage of the loan amount.

04

Ensure that the fees and points do not exceed the thresholds set by HOEPA regulations.

05

Sign and date the form, acknowledging that you have received and understood the information.

Who needs hoepa fees amp points?

01

Borrowers who are applying for a high-cost mortgage loan covered under the Home Ownership and Equity Protection Act (HOEPA) need to fill out HOEPA fees and points disclosures.

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What is hoepa fees amp points?

HOEPA fees and points refer to the costs associated with certain high-cost mortgage loans as defined under the Home Ownership and Equity Protection Act (HOEPA). These fees typically include origination fees, discount points, and other charges that may have a significant impact on the loan's overall cost.

Who is required to file hoepa fees amp points?

Lenders that originate high-cost mortgages as defined by HOEPA are required to file and report fees and points associated with such loans.

How to fill out hoepa fees amp points?

To fill out HOEPA fees and points, lenders must accurately disclose all points and fees associated with the loan on the required forms, ensuring compliance with HOEPA's definitions and regulations.

What is the purpose of hoepa fees amp points?

The purpose of reporting HOEPA fees and points is to increase transparency in lending practices and to protect consumers from predatory lending by ensuring that borrowers are aware of the total cost of their high-cost mortgages.

What information must be reported on hoepa fees amp points?

Lenders must report the total points and fees that exceed the thresholds set by HOEPA, including origination fees, discount points, and any other costs that affect the annual percentage rate (APR) of the loan.

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