This tool was designed to assist loan officers when making real estate loans. Once you determine the collateral and the loan purpose, the Real Estate Matrix tells you which regulations apply and when you must provide certain disclosures. The Real Estate Matrix also provides a brief description of the regulatory requirements. Examiners from all regulatory agencies also use this Real Estate Matrix.

You may download the Matrix and distribute it to your loan officers.

REAL ESTATE MATRIX 7.1 (Use this version beginning July 30, 2009)

REAL ESTATE MATRIX 8.0 (Use this version beginning October 1, 2009)

Escrow Analysis WORKSHEET

This excel spreadsheet calculates escrow deposits as defined in Section 3500.17. It also tells you exactly which amounts to disclose on the HUD-1/1A Settlement Statement. You may save this spreadsheet to your hard drive for future use.

Escrow Analysis 2009 (Revised 03/09)

Escrow Analysis 2010 (Revised 01/10)

HOEPA LOAN WORKSHEET

This worksheet helps loan officers determine if their loan is subject to the HOEPA requirements found in Section 226.32. Simly input the requested information and get a "yes" or "no". If the loan is subject to HOEPA, the required disclosure can be found on the second tab.

HOEPA Worksheet Version 2009-1 (Use for loans originated in 2009)

HOEPA Worksheet Version 2010-1 (Use for loans originated in 2010)

REAL ESTATE LOAN CHECKLISTS

These checklists are a great resource to ensure that you are meeting regulatory requirements. They are available for both HMDA Banks and Non-HMDA Banks. Each file includes checklists for Purchase, Refinance and Home Improvement/Home Equity transactions for both fixed and adjustable rate loans. They also include checklists for HELOC and Ag/Commercial transactions.

We realize that not all banks are the same and have different needs, so feel free to customize these checklists to fit your bank.

HMDA Bank Loan Checklists

Non-HMDA Bank Loan Checklists

HMDA Flowchart

This flowchart helps you determine which loans are applicable to HMDA and which are not.

MDIA FLOWCHART

This flowchart helps you determine the closing and re-disclosure timing requirements under MDIA.