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HOEPA Worksheet - BankersOnline.com

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					                          HOEPA Worksheet
                                                                                                             Version 3.0
              This Program has been designed by
           Bankers Compliance Consulting                            Only Fill in the Areas Shaded in "YELLOW"
                    800-847-1653

       APR SPREAD TEST                       1st lien    Other lien
            Find the Treasury Security with the same maturity term at: http://www.federalreserve.gov/releases/h15/
             Use the yield in effect on the 15th of the month before the month the application was received.
Maximum Spread                                  8              10            Loan Number:
Treasury Rate (see note above)                                            Customer Name:
Maximum APR                                     8             10              Loan Officer:
Loan APR                                                               Date of Application:
Does HOEPA Apply?                            Continue       Continue  Scheduled Payment:
                                                                         Balloon Payment:
                                                                     Lgst pmt if a Var. rate:
                                                                       Total Loan Amount:

     POINTS & FEES TEST                                                                RESULTS
Finance Charges:                                                         If "YES" appears in cells D14, E14
  Loan Points                                                                or D44, this loan is subject to
  Origination Fee                                                              HOEPA. Provide a HOEPA
  Discount fee                                                            disclosure to all people that have
  Courier Fee                                                                 the right to rescind the loan
  Life of Loan Flood Determination
                                                                             (including non-borrowers, if
                                                                         applicable) so that it is received at
  Tax Service                                                              least 3 days prior to closing the
  PMI (initial deposit)                                                                    loan.
  Broker Fees
  Other Finance Charges
Non-Finance Charges:                                                           Non-Finance Charges are
  Doc Prep Fees                                                                   included ONLY if the
   In-house appraisals                                                              creditor retains or
                                                                                receives a portion of the
  Title Insurance / Examination
                                                                               fee, or the charge is paid
  Credit Life/Disability Premiums
                                                                                   to an affiliate (25%
  Other Non-Finance Charges
                                                                               ownership) of the creditor.
Total Fees:                                             0

Amount Financed (from the TIL disclosure):
  less total non-finance charges                        0
"HOEPA" Loan Amount:                                    0                     Refer to Section 226.31 and
                                                                               226.32 of Regulation Z for
Total Fees/Total Loan Amount:                           0                     more information about these
                                                                                     requirements.
Does HOEPA Apply?




Banker's Compliance Consulting                  www.bankerscompliance.com                                        800-847-1653
            Loan Number:           0
            Customer Name:         0



                               You are not required to complete this agreement merely because you have
                                     received these disclosures or have signed a loan application.

                                   If you obtain this loan, the lender will have a mortgage on your home.       Worksheet Data
                                                                                                                                 Loan Info
                               YOU COULD LOSE YOUR HOME, AND ANY MONEY YOU HAVE PUT INTO IT,                         APR                     0
                                    IF YOU DO NOT MEET YOUR OBLIGATIONS UNDER THE LOAN.                        Loan Amt.     $          -
                                                                                                               Credit Ins.   $          -
                 1) The annual percentage rate on your loan will be: 0%                                          Payment     $          -
                                                                                                                  Balloon    $          -
                 2) You are borrowing $0                                                                    Lgst Var. Pmt.   $          -


                      * Optional credit insurance is not a part of this loan.

                 3) Your regular payment amount will be $0

                                                                                                                *This spreadsheet was modified by Andy Zavoina
                                                                                                                 Visit his website at www.://home.hot.rr.com/zavoina/cmpl.html




                      Signature                                           Date




                      Signature                                           Date




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