HOEPA Worksheet -

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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"

       APR SPREAD TEST                       1st lien    Other lien
            Find the Treasury Security with the same maturity term at:
             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
Does HOEPA Apply?

Banker's Compliance Consulting                                                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.://

                      Signature                                           Date

                      Signature                                           Date


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