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Hand-in-Hand Teaching Guide to key in Act 539 Regulatory License Form

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Act 539 Regulatory License Form Demand Assistance

hey everyone my name is paul bachewski.and welcome to the real estate classroom.youtube channel real.real quick before we get to today's.video on truth and lending do me a favor.give this video a thumbs up.hit that red subscribe button click on.the notification bell.[Music].so what is the truth and lending act.well a couple of things that you need to.know as a student for your real estate.licensing exam.number one is truth and lending act is.synonymous with regulation z.it they mean the same thing they're both.the same.that they're they're used.interchangeably those terms are.and you have to know the origins.of the law so it was very common.practice for lending institutions to.pre-approve somebody.at a certain rate and certain fees only.six weeks later right before the closing.date they would throw a curveball on the.borrower.and charge and say listen if you want.our money there's been a change and you.know you got to pay a half a percent.more.on your apr and uh there's going to be x.amount of dollars in additional fees and.many times the borrower found themselves.in a position where.they had no choice but to go along with.it and banks.use this on a regular basis to pad the.bottom line.so in 1968 congress said enough and they.passed the truth and lending.act now there are some things that you.have to know about this.act number one it was passed in 1968.number two this law only applies to.institutions that uh that um.regular that are regular extenders of.credit and that term regular is.important as we get into this video.so we're talking about institutions like.banks savings and loans.mutual fund companies should they.provide.home loans car loans credit card.companies it's not just real estate.it's it's all borrowing okay.and it applies to those type of lending.institutions that.on a regular basis extend credit to.people now.it does not apply to real estate.professionals.i think i i had a student one time call.and ask about this because there was a.question about that on her licensing.exam.and just understand that real estate.professionals we arrange.things we're not extending anything so.if we have a borrower or we have a buyer.that needs to.find a mortgage company we're going to.arrange the meeting between the borrower.and the mortgage company but that's all.we're doing we're not extending any.credit so we're exempt in that capacity.from the truth and lending law alright.so the other thing you have to know.is in so far as real estate loans go.the truth and lending act only applies.to.number one owner-occupied homes that's.one to four.family residents so single-family home a.duplex.a triplex a four-plex so if somebody was.buying a.rental property that was going to be.used as obviously as an investment.property.or they're buying a single-family home.for a rental property.truth in lending really doesn't apply.but i will tell you.generally speaking in the real real.estate world almost everybody complies.whether someone is exempt or not just.from an efficiency point of view.right but it only applies to owner.occupied residents.one to four family units and the other.one you have to know.because the real estate licensing exam.does occasionally ask this.and in fact with all of these laws that.we talk about here.sometimes the real estate exam will ask.you which.federal agency is tasked with.enforcing that particular law and under.the truth and lending act it is the.consumer finance protection bureau.commonly known as the cfpb.they're the ones that have been tasked.with uh enforcing the truth and lending.act all right so what does the truth and.lending act require.well it basically requires disclosure.to the consumer remember this law is.specifically.designed to protect the consumer and the.first thing and the most.prominent i think is the lenders.have to disclose the true annual.percentage rate now if you.closed on a property in the last 20.years you're going to notice.that if you paid attention on your.closing documents.there were two annual percentage rates.that were identified.on the disclosure and one would say like.3.5.the other one would be like 3.75 just a.little bit more than the other one.and that is the the higher one is the.true annual percentage rate so what's.the difference well you go to the bank.and you.you fill out an application for a.30-year fixed conventional loan.and they give you a quote of 3.5 well.that 3.5 percent.is what we call the note rate and it's.based on.the amount that's borrowed right so.you're gonna borrow two hundred thousand.dollars.at three point five percent however the.true annual.percentage rate includes all the.additional.fees that you're going to have to pay up.front whether you.finance them into the loan or not it.doesn't matter it's those.upfront lender fees like origination.fees discount points those type of.things.that add to the cost of that purchase.so let's say that you're borrowing two.hundred thousand dollars you have ten.thousand dollars.in additional fees well.if you take that ten thousand dollars.and amortize it over the 30 years of the.loan.that's what gives you that additional.bump in percentage rate so.when you include the upfront fees that.you have to pay that gives you the true.annual percentage rate of 3.75 which is.just a little bit higher than the note.rate of 3.5.that is because remember the reason this.law was passed is.banks would say oh yeah your rate's 3.75.but then they'd whack you at 25 000.in fees and the actual percentage rate.would be like four.four and a half percent so again it was.a hook and bait so this way here.the consumer is being notified of the.true annual percentage rate that's.probably one of the main core.things that that you have to know about.this particular law.now the other thing that the truth and.lending act requires.is if advertising of key credit terms.is put into the advertising then there.are certain things.that need to be disclosed and and what.we're talking about here is what's.called.trigger terms credit terms are used in.advertising.we call these cred or trigger terms now.think about this.i'm sure we've all heard on the radio or.tv uh.car ads right so they're advertising a.car and then it says zero percent.financing over 60 months and then all of.a sudden.somebody goes so real quick they put the.terms out there you don't understand any.of it and it's a little tiny fine print.at the bottom of the screen.well because they they uh.used one of those trigger terms.that meant that they had to disclose all.the terms for the credit uh to get.credit so.what are these trigger terms they're.they're terms like down payment amount.or no down payment at all sometimes you.know hey no down payment or.500 down a zero percent interest.you know payment period payment amount.number of payments.finance charges anytime somebody says.interest free or interest-free for a.certain amount of.time or or no payments for your first.six months anytime they use one of these.trigger terms then they have to disclose.in that advertising actually in that.advertisement.all the terms and conditions of.that that loan all right so one thing i.want you to note though look at the.bottom it says.simply stating the price of a home or.the true.apr does not trigger uh.the disclosure of the terms right.just saying that it's 3.5 percent.that doesn't and we do see that.sometimes with new construction where.it'll be.you know the price of the home is 450.000.and 3.5 true apr right so that.just simply stating that does not.trigger truth and lending but when we.start using these trigger terms.that hook and bait then we have to make.the full disclosure.all right so what does truth and lending.require.if we use those trigger terms then what.disclosures.must be made and i have them on your.screen here number one the date.financing charges commence number two.uh the true annual percentage rate three.the number of monthly payments required.uh number four the payment due dates.when when are the due dates number five.charges for late payments or defaults if.any.uh is there a prepayment penalty and.then what are the total charges.for the loan if you ever want to feel.sick to your stomach pull out your.old disclosure form when you purchased.your house.and you and you had that 30-year.mortgage and you paid a hundred thousand.dollars for the house but by the time.you paid all the financing charges 30.here.over a 30-year period you find that you.probably paid 400 000 for the house.that's why it has to be disclosed so.anytime trigger terms.are used all of these things on your.screen have to be disclosed.in that individual advertisement.truth in lending also requires that you.know or at least a real estate uh.the real estate exam is going to require.you to know the exemptions and when does.it not apply.so the truth and lending act does not.apply to investor financing again.rental properties those type of things.it's not applicable.commercial or business loans loans that.are made to corporations.and partnerships loans with four or.fewer installment payments.seller financing such as land contracts.or.deeds of trust where the seller is.financing the equity.and then loan assumptions because loan.assumptions.if it's a true loan assumption the.original terms have already been stated.and they're not.changing now if for whatever reason.under the loan assumption that the term.the original terms.would change then there would have to be.a disclosure.that is made.all right here are some here's another.application that you probably need to.know.under the truth and lending act and that.is.the law provided for a three-day right.to resend.after closing happens if it's if you're.refinancing your existing home.if you're taking out a a heloc or a home.equity line of credit.something like that so once you sat down.and signed.all the documents at closing no monies.are going to be dispersed for three days.there's a three day.right of rescission and that comes from.the truth and lending act.that's all i got for the truth and.lending act if you're here to continue.to study check out.this video i think you'll find it very.helpful and if you have not subscribed.to our channel please do so click the.little circle to my left i would.appreciate it.i will see you in my next video.

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Act 539 Regulatory License Form FAQs

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How do you know if you need to fill out a 1099 form?

It can also be that he used the wrong form and will still be deducting taxes as he should be. Using the wrong form and doing the right thing isnt exactly a federal offense

How much does it cost to get a dealers license in Alabama?

You have a lot of good answers here. Wow, things sure have changed. I remember the days when a Cessna 172 cost $12.00 an hour wet! Oh, well. I'm going to give you some general tips based upon the performance of my Private Students. The closer your lessons are together, the less you will pay. So, if you take 5 lessons a week, you will spend less than someone who takes only 1 lesson a week. There are a minimum number of hours specified by Federal Aviation Regulations (FARs) Part 61. I don't know the average now, but the national average used to be about 20 hours over the minimum. T Continue Reading

How do I get my dealers license?

After you get your dealer’s license , business license , lease or buy a location to sell from and have capitol for inventory, you go to the auctions and buy used cars. Then you price them according to value or what you think you can sell them for over what you paid.

Can anyone buy a car at auction?

repo cars almost always go to wholesale dealer auctions open to dealers only. If repo’d by a bank, sometimes if really desirable one of the employees will buy the car before anyone even knows about the car but not normally.

Do I need a dealer license to buy from Copart?

Before i answer this question, i would just like to point out that i worked for a licensed dealer in Michigan for nearly 4 years selling guns. That answer is no. You no longer need to bring a pistol purchase permit to a federally licensed dealer in Michigan, reason being is that we fill out your pistol sales record in shop, which has all the exact same information as the purchase permit your county gives you It looks like this^ the only difference is that the one your county issues is usually yellow instead of white. But it has all the same information on it as the one the county gives you. When we sell you a pistol, you get 2 copies, one is labeled “ registry copy" that copy has to be taken to your local police department ( whoever shows up if you call 911) within 10 days of you taking possession of the pistol. The seller copy is kept by the dealer with your 4473 form. And the purchaser copy you will also get, that has to stay with the pistol for the first 30 days of ownership, then you file it some where safe afterwards. It used to be that you had to get that purchase permit and bring it to the federal dealer, but that is no longer the case since we fill them out for you in shop now and print you the copies you are responsible for. The only time this purchase permit comes into play now, is when you're buying from someone like your neighbor or your friend who does not have a federal firearms license. In that case, you would need to go get a purchase permit from your county clerk or whoever issues them in your county, fill out all the info about the pistol you're buying such as, make, model, serial number, caliber, shot capacity etc then you and the seller both sign it, they keep the seller copy, you take the purchaser copy and the registry copy, and same thing. You have to turn the registration copy into your local police department or county clerks office

Do military members have to pay any fee for leave or fiancee forms?

First off there are no fees for leaves or requests for leave in any branch of the United States military. Second there is no such thing as a fiancée form in the U.S. military. There is however a form for applying for a fiancée visa (K-1 Visa)that is available from the Immigration and Customs Service (Fiancé(e) Visas ) which would be processed by the U.S. State Department at a U.S. Consulate or Embassy overseas. However these fiancée visas are for foreigners wishing to enter the United States for the purpose of marriage and are valid for 90 days. They have nothing to do with the military and are Continue Reading

How can I fill out Google's intern host matching form to optimize my chances of receiving a match?

I was selected for a summer internship 2016. I tried to be very open while filling the preference form: I choose many products as my favorite products and I said I'm open about the team I want to join. I even was very open in the location and start date to get host matching interviews (I negotiated the start date in the interview until both me and my host were happy.) You could ask your recruiter to review your form (there are very cool and could help you a lot since they have a bigger experience). Do a search on the potential team. Before the interviews, try to find smart question that you are Continue Reading

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