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1.6.2 List of Topics

Loan Underwriting

Securitization

Assignee and Other Third-Party Liability

Manufactured Housing (Mobile Homes)

Mortgage Brokers and Originators

Insurance and Guarantees

  • ● Private mortgage insurance. See § 1.4.10, supra; §§ 3.17, 7.5, infra.
  • ● Government guarantors. See §§ 1.4.11, 1.4.13, supra.
  • ● Flood insurance. See § 7.7, infra.
  • ● Title insurance. See § 7.6, infra.
  • ● Home warranty referral fees. See § 7.4.5, infra.
  • ● Credit insurance and debt cancellation. See § 7.8, infra.

Closing Costs

  • ● RESPA disclosures. See § 3.2.4, infra.
  • ● RESPA restrictions, kickbacks. See § 7.4, infra.
  • ● State high-cost mortgage statutes; points and fees. See §§ 4.4.2.5.3, 4.4.3.2, infra.
  • ● Preemption. See §§ 5.8.3.11 (national banks), 5.15.4.1 (credit unions), infra.
  • ● Appraisals. See §§ 2.2.5, 6.6, infra.
  • ● Mortgage broker compensation. See § 7.3, infra.
  • ● Private mortgage insurance. See § 1.4.10, supra; §§ 3.17, 7.5, infra.
  • ● Flood insurance. See § 7.7, infra.
  • ● Title insurance. See § 7.6, infra.
  • ● Home warranty referral fees. See § 7.4.5, infra.
  • ● Attorney fees. See § 7.9, infra.

Specific Types of Mortgages

Common Law Claims and Defenses

  • ● Unconscionability. See § 4.8, infra.
  • ● Breach of fiduciary duty. See § 4.9, infra.
  • ● Fraud and misrepresentation. See § 4.10, infra.
  • ● Breach of the duty of good faith. See § 4.11, infra.
  • ● Negligence. See § 4.12.1, infra.

Specific Scams and Abuses

  • ● Loan churning. See §§ 4.10.3, 6.4, infra.
  • ● Home improvement. See § 4.10.4, infra.
  • ● Forgery. See § 4.10.6, infra.
  • ● Improvident lending, extending credit without ability to repay. See § 6.2, infra.
  • ● Steering and discrimination. See §§ 6.3, 7.6.4 (title insurance steering), infra.
  • ● Property flipping. See § 6.5, infra.
  • ● Appraisal fraud. See §§ 2.2.5, 6.6, infra.
  • ● Kickbacks. See § 7.4, infra.
  • ● Reverse mortgage related scams and abuses. See § 9.7, infra.

Footnotes