Untitled Document

Compliance Status

Points and Fees: {{serverconnect1.data.pointsAndFeesStatus}}

Higher-Price (HPML): {{serverconnect1.data.higherPriceStatus}}

High Cost (HOEPA): {{serverconnect1.data.highCostStatus}}

State Rules: {{serverconnect1.data.stateRulesStatus}}

If you have any questions about these calculations, please contact Lock Desk at (949) 390-2687 or lockdesk@jmaclending.com.

Points and Fees

Points and Fees {{serverconnect1.data.pointsAndFeesStatus}}

Reg Z Total Loan Amount {{serverconnect1.data.regZTotalLoanAmount}}

Fee Limit % {{serverconnect1.data.feeLimitPercent}}%

Fee Limit $ {{serverconnect1.data.feeLimitDollar}}

Total Points and Fees

- {{serverconnect1.data.totalPointsAndFees}}

Difference {{serverconnect1.data.pointsAndFeesDifference}}

QM Fees

Lender Fee {{serverconnect1.data.lenderFee}}

Discount Points {{serverconnect1.data.discountPoints}}

Excludable (Bona Fide) Discount Points {{serverconnect1.data.excludableDiscountPoints}}

Non-Excludable Discount Points {{serverconnect1.data.nonExcludableDiscountPoints}}

Broker Compensation {{serverconnect1.data.brokerCompensation}}

Higher Priced (HPML)

Higher Priced {{serverconnect1.data.higherPriceStatus}}

Index Date {{serverconnect1.data.indexDate}}

Average Prime Offer Rate (APOR) {{serverconnect1.data.apor}}%

APOR Threshold

+ {{serverconnect1.data.aporThreshold}}%

Rate Limit {{serverconnect1.data.rateLimit}}%

Annual Percentage Rate (APR)

- {{serverconnect1.data.apr}}%

Difference {{serverconnect1.data.higherPricedDifference}}

State Rules

State Rules {{serverconnect1.data.stateRulesStatus}}

Refer to the compliance report above for state-specific tests and calculations.

High Cost (HOEPA)

Points and Fees	{{serverconnect1.data.hoepaPointsAndFeesStatus}}	Higher Priced	{{serverconnect1.data.hoepaHigherPricedStatus}}
Reg Z Total Loan Amount	{{serverconnect1.data.regZTotalLoanAmount}}	Index Date	{{serverconnect1.data.indexDate}}
Fee Limit %	{{serverconnect1.data.hoepaFeeLimitPercent}}%	Average Prime Offer Rate (APOR)	{{serverconnect1.data.apor}}%
Fee Limit $	{{serverconnect1.data.hoepaFeeLimitDollar}}	APOR Threshold	+ {{serverconnect1.data.hoepaHigherPricedAporThreshold}}%
Total Points and Fees	- {{serverconnect1.data.totalPointsAndFees}}	Rate Limit	{{serverconnect1.data.hoepaHigherPricedRateLimit}}%
Difference	{{serverconnect1.data.hoepaDifference}}	Annual Percentage Rate (APR)	- {{serverconnect1.data.apr}}%
		Difference	{{serverconnect1.data.hoepaHigherPricedDifference}}

This page is available after initial disclosures have been sent. You can start the disclosure process on the Fees & Initial Disclosure page.