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FAQ - Illinois Anti-Predatory Lending Database
Denominator (Divisor): Principal amount of new loan from line 202 minus 800 fields containing prepaid finance charges paid to lender, mortgage broker, and .
https://www.ilapld.com/FAQ.aspx

Illinois (including Cook County & Chicago) | DocMagic
Aug 22, 2011 . Illinois High Risk Home Loan Act On June 13, 2003, the Illinois legislature passed . Prepaid Finance Charge - the total amount of prepaid finance charges . all non-prepaid finance charges paid directly or indirectly to a mortgage broker, . A LIST OF APPROVED CREDIT COUNSELORS IS AVAILABLE BY .
http://www.docmagic.com/compliance/high-cost-memos/illinois

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Impact of Non-Borrower Paid Mortgage Broker Compensation on ...
Feb 12, 2010 . The following is a list of state-specific high cost loan tests that include all or . Illinois: Under applicable Illinois law, points and fees include, among . in prepaid finance charges) paid directly or indirectly to a mortgage broker, .
http://www.docmagic.com/compliance/wizard/2008/july-2008/ysp-high-cost

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Illinois Legal Aid | A Guide: Predatory Lending Claims Available to ...
The finance charge is computed according to the rules set forth in 12 C.F.R. . there was a charge which should have counted as a prepaid finance charge . be cheaper than a purchase-money mortgage rate. Johnson v. Know Fin. . For a list of organizations in your area that may be able to help you, enter your zip code .
http://www.illinoislegalaid.org/index.cfm?fuseaction=home.dsp_content&contentID=1536

Some states prepaid tuition plans are not good investments
With many state prepaid tuition plans, you are paying tomorrow's tuition at much . also provides for a "Tuition Differential Plan" fee -- an added charge which is .
http://www.bankrate.com/finance/college-finance/some-state-prepaid-tuition-plans-flawed-1.aspx

State of Illinois Illinois Student Assistance Commission Illinois Prepaid
Interim Chief Financial Officer (10/16/2009 to Current) . The audit of the accompanying financial statements of the Illinois Prepaid Tuition . charge basis to the general public. . Mortgage-backed securities (collateralized and delegated) .
http://www.auditor.illinois.gov/Audit-Reports/Compliance-Agency-List/ISAC/ISAC-Prepaid/FY10-ISAC-Prepaid-Fin-Full.pdf

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Glossary of Terms for: Notaries, Loan Closers, Loan Closing Agents
A common provision of a mortgage or note providing the holder with the right to . It represents your loan amount minus any prepaid finance charges and . The chronological order of conveyance of a property from the original owner to the . Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, .
http://www.statewidedocuments.com/glossary-of-terms.php

DMcCarthy, Callas, Fuhr & Ellison P.C
Prepaid Finance Charges include items paid at or before closing, such as loan origination fees, commitment fees ("points"), prepaid interest, and initial mortgage .
http://www.mcfe-law.com/faq/faq_realestate.htm

Mortgage and Home Loan Closing Costs
Mortgage Articles and Information, Credit Card Finder . Discount points are prepaid finance charges imposed by the lender at closing to . With such a long list of potential charges at settlement, it is important to know what to expect. . DC | Florida | Georgia | Hawaii | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky .
http://www.americanloansearch.com/info-closingcosts.htm

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Current Issues Concerning Mortgage Prepayment
Presentation for PLI Program on Commercial Real Estate Financing . Grant Nelson and Dale Whitman conclude that prepayment charges ought to be . title to the property, not personally but solely as trustee under an Illinois land trust. . of cancellation to Beneficiary and shall list Beneficiary as the certificate holder; that .
http://dirt.umkc.edu/files/prepayment.htm

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Mortgage Awareness Program - State of Illinois : Department of ...
Illinois Department of Financial & Professional Regulation . Mortgage Awareness Program . These prepaid finance charges are not refundable. . For a list of housing and Urban Developement approved counseling agencies please click .
http://www.idfpr.com/dfi/ccd/ccd_preditor.asp

Sample Email - Wolters Kluwer Law & Business | CCH
Connecticut Clarifies Definition of Prepaid Finance Charge, State Banking Law, ( June 1, . Mortgage Release Procedures in Virginia Expanded, State Banking Law, (June 1, 2002) . Illinois Legislative Update, State Banking Law, (June 1, 2002) . Act adding Florida to the list of states prohibiting abusive lending practices.
http://business.cch.com/bnu/sample/

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Home Renovation and Repair Scams Elderly Victims Fraud
An elderly couple with an outstanding balance on their mortgage of less than . In addition, the lender charged them $4200 in pre-paid finance charges and the . and permanently in California, Florida and Illinois, will contribute $20 million to .
http://www.crimes-of-persuasion.com/Crimes/InPerson/MajorPerson/home_renovations.htm

Predatory Lending and Abusive Mortgage Lending Practices ...
Jul 27, 2001 . Join our Email List . Predatory Mortgage Lending: The Problem, Impact and Responses. . (iii) prepaid finance charges (which may include charges on earlier loans by the same lender) that exceed the greater . The State of Illinois has enacted a predatory lending law that was effective on May 17, 2001.
http://www.civilrights.org/advocacy/testimony/henderson-lending.html

05-07119 Miner et al v. Beneficial Mortgage Company of Kansas, Inc.
The GE Ion Loan did not include a prepaid finance charge or any points.4 . First Mortgage Loan, and they have not been charged with any prepayment . See, e.g. McCarthey, 362 F.3d at 1011 (holding that Illinois state law is . Miners were to list all the relief they sought in this case, and they did not seek to limit their .
http://www.ksb.uscourts.gov/opinions/OpinFiles/JMK_05-7119.pdf

Illinois Mortgage Lending Guide Illinois ... - Illinois Attorney General
This Guide contains a list of HUD-approved housing counseling agencies in . lender charges a prepayment penalty in exchange for offering you a lower . a state-licensed mortgage lender and offers loans at special financing rates for home .
http://www.ag.state.il.us/consumers/mor_lend_guide.pdf

Explanation of Loan Documents
Jul 7, 2007 . A Mortgage differs from a deed of trust in the way that foreclosure proceedings are handled. . Amount Financed figure excludes prepaid finance charges. . An identification form in which two forms of ID are required listing 1) Type of ID . California, Colorado, Georgia, Idaho, Illinois, Mississippi, Missouri, .
http://www.unitednotaries.org/index.php?option=com_content&view=article&id=338:explanation-of-loan-documents&catid=77&Itemid=23

Regulation Z - Truth in Lending - Supplement I, §226.18
Em@il Education . Prepaid finance charges that are paid separately in cash or by check should be deducted . costs and a settlement statement listing the amounts paid by the consumer. . Figures for mortgage insurance disclosed in conformance with RESPA shall be deemed to be accurate for purposes of Regulation Z.
http://www.bankersonline.com/regs/226/suppi226-18.html

Is Your State Prepaid Tuition 529 Plan Really Safe? » My Money Blog
Mar 18, 2009 . I have thought about signing up for a prepaid tuition plan, as I am leaning towards . They already made their sale to you — your problems will be on the bottom of their “to do” list. . I was worried about Illinois' prepaid college plan. . We decided to save a little in finance charges and pay it off in five years.
http://www.mymoneyblog.com/is-your-state-prepaid-tuition-529-plan-really-safe.html


FAQ - Owl Tree Mortgage Company - providing superior mortgage
Under, law, all Illinois loan originators are required to be registered with the state. . finance charges, prepayment penalties, balloon payments, adjustable rates, . Owl Tree Mortgage Company provides a listing of current rates on our site, but .
http://owltreemortgage.com/faq.aspx

State of Illinois Illinois Student Assistance Commission Illinois Prepaid
Chief Financial Officer (07/01/06 – 03/18/07) . The audit of the accompanying financial statements of the Illinois Prepaid Tuition Program of the State of Illinois, . supporting activities of the Illinois Prepaid Tuition Program that offers services on a user-charge basis to the general . Corporate mortgage backed securities .
http://www.auditor.illinois.gov/Audit-Reports/Compliance-Agency-List/ISAC/ISAC-Prepaid/FY07-ISAC-Prepaid-Fin-full.pdf

College Illinois! prepaid tuition – risky investments or Illinois Ponzi ...
Apr 19, 2011 . All new investments for the College Illinois! prepaid tuition program have . Topics will include taxes, education, finances and anything else that . Now, ISAC charges more than double that amount, $95500, for four . JRM_CommonSense on Walking away from mortgage – entitlement . Calendar listing .
http://blogs.e-rockford.com/tedbiondo/2011/04/19/college-illinois-prepaid-tuition-risky-investments-or-illinois-ponzi-scheme/

What to expect at your house closing - Chicago Tribune
Jun 10, 2011 . Since you can't have one without the other, first, the mortgage documents: . and who these others are; and prepaid finance charges, such as the amount of the points, . It also lists the penalties and what the lender can do if you renege. . Website gives Illinois customers power to compare electricity rates .
http://articles.chicagotribune.com/2011-06-10/classified/sc-cons-0609-home-closing-20110610_1_mortgage-documents-truth-in-lending-statement-lender

HUD Predatory Lending
Alabama · Illinois · Montana · Puerto Rico / Virgin Islands . Predatory mortgage lending practices strip borrowers of home equity and threaten . Please refer to the list of agencies below and contact the organization or agency that you . of interest rates and finance charges (APR), prepayment penalties, credit life insurance, .
http://portal.hud.gov/hudportal/HUD/program_offices/housing/sfh/pred/predlend

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the Alliant
plus $180 in additional prepaid finance charges plus 15 days of prepaid interest. . please call our Mortgage Hotline 800-365-7003. Loan approval . 11545 W. Touhy Avenue Chicago, IL 60666 . Here's a brief list of what's out and what's in.
http://www.alliantcreditunion.org/pdf/newsletter/advisor306.pdf

Ask the Title Officer - First American Title - Illinois
My position as Illinois State Underwriting. Counsel for First . Lending Database if a mortgage is recorded in Cook. County. . a smooth transaction, below is a list of items that may be reviewed . Sum of prepaid finance charges paid to lender .
http://www.il.firstam.com/il/index2.php?option=com_docman&task=doc_view&gid=220&Itemid=38

Good Faith Estimate - Mortgage - LendingTree
Lenders list all the costs associated with a mortgage in the GFE document. . Prepaid interest . Also, if you are being charged for mortgage insurance or flood insurance make . The Truth in Lending form also lists the total finance fees, the amount . District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa .
http://www.lendingtree.com/mortgage-loans/advice/understanding-mortgage-costs/good-faith-estimate/

Refinancing Your Mortgage: When and How - Kankakee, IL M & W ...
If you bought your home when mortgage rates were higher than today's rates or . Tip: When shopping for a lender, ask each one for a list of charges and costs you . Points are prepaid finance charges imposed by the lender at closing to .
http://www.mandwtax.com/le-mortgagerefinance.php

Illinois Pro Bono | A Guide: Some Steps in Analyzing Foreclosure ...
List of questions to ask clients facing foreclosure and the applicable law and advice on . Is the mortgage being foreclosed a first mortgage or a refinance? . Finance charges include many items—be sure to include all prepaid interest, points, .
http://www.illinoisprobono.org/index.cfm?fuseaction=home.dsp_Content&contentID=1438

Mortgage Costs and Fees - Chicago, Illinois Loan Consultant
Mortgage Costs and Fees - Chicago, Illinois Loan Consultant - Honest Answers About Closing Costs, Lender Fees, Title Fees, Points, Prepaid's, Escrow, etc. . that you buy your loan through or the bank that the financing is coming from. . On a purchase, the seller determines the title company, and title charges will differ .
http://www.themortgagevendor.com/CostsAndFees.html

Consumer Handbook to Credit Protection Laws
HSH Associates is the world's leading publisher of mortgage and consumer loan information. . Mortgage Prepayment Calculator · KnowEquity Underwater Mortgage Calculator · Calculator widgets . Add to my list Print E-mail Share . The finance charge is the total dollar amount you pay to use credit. . CHICAGO , Illinois .
http://library.hsh.com/articles/more-tools-resources-and-info/consumer-guide/consumer-handbook-to-credit-protection-laws

Nationwide Bank Mortgage Rates and Review | Bank Vibe
Aug 24, 2010 . Nationwide Bank is currently offering some enticingly low mortgage rates for both fixed rate and adjustable rate mortgages. Lately they have .
http://bankvibe.com/nationwide-bank-mortgage-rates-and-review/

 

 
-- Posted: March 20, 2000
   

 

 
 

 

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PART 110 CONSUMER INSTALLMENT LOAN ACT : Sections Listing
The General Assembly's Illinois Administrative Code database includes only those rulemakings . Section 110.100 Finance Charges – Rebates and Delinquency Charges · Section 110.110 . SUBPART C: MORTGAGE LENDING . According to Number of Months Originally Contracted For and Number of Months Prepaid in .
http://www.ilga.gov/commission/jcar/admincode/038/03800110sections.html

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Cut Closing Costs to the Bone
Learn how to cut your mortgage closing costs when buying or refinancing a home . . For a most complete list of foreclosed properties nationwide, click here . These charges include actual out-of-pocket costs, pre-paid items and mortgage points. . finance your closing costs, you will pay substantially higher interest charges.
http://www.mortgagealmanac.com/articles/95-129-cutclosingcosts.html