Consolidating mortgage loans htm

Is a modular home a manufactured home for purposes of Regulation C?Answer: For Regulation C reporting, a manufactured home is one that meets the HUD code, 12 CFR 203.2(i).Answer: No, a transaction is not reportable as a home purchase loan or refinancing unless the credit obligation, itself, is secured by a dwelling. An obligation not secured by a dwelling is reportable as a home improvement loan only if classified by the lender as a home improvement loan. Return to subject Return to top Refinancing --- satisfaction of lien.Is the satisfaction of a lien (mortgage) relevant to determining whether an obligation is a reportable refinancing?

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Answer: A preapproval program exists when the procedures established and used by the lender match those specified in 203.2(b)(2).Action Taken Conditional approvals---customary loan-commitment or loan-closing conditions.

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