HOEPA Wor

Only fill Areas Shaded in Blue

APR SPREAD TEST 1st Lien

Maximum Spread 8
Treasury Rate (see Side note)
Maximum APR 8
Loan APR
Does HOEPA Apply? Continue

Loan Number:
Customer Name:
Loan Officer:
Date of Application:
Scheduled Payment:
Balloon Payment:
Lgst pmt if a Var. rate:
Total Loan Amount:

POINTS & FEES TEST

Finance Charges:
Loan Points
Origination Fee
Discount fee
Courier Fee
Life of Loan Flood Determination
Tax Service
PMI (initial deposit)
Broker Fees
Broker Fees
Other Finance Charges

Non-Finance Charges:
Doc Prep Fees
In-house appraisals
Title Insurance / Examination
 Credit Life/Disability Premiums
Other Non-Finance Charges
TOTAL FEES 0

Amount Financed (from the TIL disclosure):

less total non-finance charges 0

"HOEPA" Loan Amount: 0

Total Fees/Total Loan Amount: 0

Does HOEPA Apply?

OEPA Worksheet

Other Lien
10

10

Continue
0

0
 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 prior to the
month the application was
received.

RESULTS
If "YES" appears in cells D13,
E13 or D55, this loan is subject
to the laws of HOEPA. This loan
must have disclosures relating
to hoepa and right to rescind the
loan. The right of recision must
have been handed to them 3
days prior to closing.

Only include Non-Finance

Charges if the creditor retains or
receives a portion of the fee, or
the charge is paid to an affiliate
(25% ownership) of the creditor.
 Only include Non-Finance
Charges if the creditor retains or
receives a portion of the fee, or
the charge is paid to an affiliate
(25% ownership) of the creditor.

Reference Sections 226.31 &

226.32 of Regulation Z for
additional information about
this section.