1.  The Language of Mortgage Law:
This chapter presents the words, terms, and phrases that are used and are peculiar to mortgage lending Regulations and Law.

2.  The Powers That Be:
Within the area of mortgage lending Regulations and Laws there are state and federal organizations that influence, recommend, and decide what new mortgage lending Regulations and Laws are to be implemented that dictate what you and I, as Loan Officers and Mortgage Brokers, must do to be In Compliance in originating and processing mortgage loans.  I therefore included this chapter to more familiarize you with who those organizations are and also their responsibilities.

3.  Mortgage Lending Regulations You Should Know: 

Chapters 4-7 discuss how these mortgage lending Regulations and Laws relate to the different phases of processing a mortgage loan.  The chapters, within this section, are also designed to make it easy for you to find that lending Regulation related to a particular mortgage lending process (i.e. loan origination and/or loan processing).  When you know the lending area you are looking at (i.e. loan origination) but don't know or are not sure what lending Regulation impacts that process then this is what these three chapters are for.

4.  Marketing Your Services:
Those lending Regulations (and what they require) that dictate what Loan Officers must do when marketing their services:

        1. Advertising in Newspapers, Periodicals, Poster and Flyers, and on a Billboard
        2. Calling prospective Loan Customers on the Telephone
        3. Working with Real Estate Agents and other Service Providers

5.  Originating Mortgage Loans:
This chapter presents all the different documents required in originating a mortgage loan and the mortgage lending regulations related to each.  It's what I call "The Paperwork" of doing mortgage loans:

      1. The Uniform Residential Loan Application (for 2006)
      2. The Good Faith Estimate (GFE)
      3. The Truth-In-Lending Statement (TIL)
      4. Mortgage Loan Disclosures
      5. Mortgage Loan Booklets

6.  Loan Processing:
The mortgage lending regulations (and their requirements) that impact what must be done during the loan-processing phase of a mortgage loan.  To simplify researching in this area I have separated those topics of discussion under the headings of: 

• Prior-To-Doc
• Prior-To-Funding

7.  Predatory Lending:
This chapter focuses on the increasing concerns of HUD and The Powers That Be of the increasing practice of Predatory Lending within the mortgage-lending arena.  It also goes into greater detail of The Home Ownership and Equity Protection Act (HOEPA).