Reforming the real estate settlement procedure: review of HUD's proposed RESPA rule : hearing before the Committee on Financial Services, U.S. House of Representatives, One Hundred Seventh Congress, second session, October 3, 2002
U.S. G.P.O., 2002 - Business & Economics - 100 pages
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absent unforeseeable additional amount application appraisal beneﬁt billion borrower borrower's broker compensation Chairman changes closing costs competition consumers deﬁnition diem interest disclosed disclosure requirements ensure entities escrow Estate Settlement Procedures exemption faith estimate ﬁnal rule ﬁnd ﬁrm ﬁrst GMPA going guaranteed mortgage package guaranteed package hazard insurance HUD believes identiﬁed impact industry interest rate guarantee issue KELLY lender payment loan originator Mel Martinez mortgage insurance mortgage package agreement MORTGAGE PACKAGE PRICE offer option origination charges origination fee party settlement service predatory lending prepayment penalty proposed rule Real Estate Settlement regulations regulatory required settlement Reserve Report RESPA rules safe harbor Secretary MARTINEZ Section settlement charges settlement costs settlement service providers signiﬁcant small businesses speciﬁc Thank third party settlement title insurance tolerance transactions underwriting unforeseeable and extraordinary wholesale lender yield spread premiums