The Final RESPA Rule - Mortgage Calculator
The Final RESPA Rule
Principles of RESPA Reform ? Help consumers shop for
the best loan ? Shopping leads to greater
competition & lower prices
2
Principles of RESPA Reform
? Key final terms of the loan disclosed to the borrower at closing
? Preserve a competitive market for all settlement service providers
3
Effective Dates
4
Effective Dates
January 16, 2009 ? Servicing
Disclosure Statement (Section 6)
? average charge
? technical changes
January 1, 2010 ? new GFE
? new HUD-1/1A
? 1% cap on FHA origination fees (2.5% - new construction)
? everything else
5
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