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What is the Current index valueThe Current index value is the published interest rate to which the interest rate. Adjustable Rate Mortgage ARM is tied. Some commonly used indices include. Year Treasury Bill, 6 Month LIBOR, and the 1. District Cost of Funds COFI. Please see Federal. Universal Extractor is a program do to exactly what it says extract files from any type of archive. Reserve Boards H. What is a Margin The number of percentage points a lender adds to the index value to calculate the. ARM interest rate at each adjustment period. A representative margin would be 2. What is Interest Calculations and what should I chose How do you accrue your interest1 Ordinary Method. All Payments of interest shall be computed on the per annum basis of a year of 3. Actual 3. 65 Method. All payments of interest shall be computed on the per annum basis of a year of 3. Scheduled Installment Earnings Method. Interest will be completed according to the scheduled installment earnings method. The scheduled installment earnings method is a method to compute an interest charge by applying a daily rate to the unpaid balance of the amount financed as if each payment will be made on its scheduled installment date. A payment received before or after the due date does not affect the amount of the scheduled principal reduction. The daily rate is the equivalent contract rate for a year with the number of days indicated in 1 above. True Daily Earnings Method. Interest will be computed according to the true daily earnings method. The true daily earnings method is a method to compute an interest charge by applying a daily rate to the unpaid balance of the amount financed. The earned finance charge is computed by multiplying the daily rate by the number of days the actual principal balance is outstanding. The daily rate is the equivalent contract rate for a year with the number of days indicated in 1 above. What is the difference between the Amortization Methods Standard Amortization EQUAL PAYMENTS of Principal Interest Amount applied. Accelerated Amortization EQUAL PRINCIPAL PAYMENTS plus Periodic Interest Payment. Balloon Interest Paid at Maturity Interest Principal due at Maturity Single. Balloon Interest Paid Periodically Periodic Interest Only Interest only. Interest First Interest Only Period followed by Standard Amortization Payment. What is the difference between the 2 FHA renewal calculation methods According to HUD, lenders may use either methodology to determine the monthly premium however, most lenders use FHA Connection method calculate for origination and underwriting purposes. Please beware that a number of investors will not accept this method. If you are looking for the HUD Single Family Servicing Method, please select 9. FHA Connection Method uses the starting balance amount to calculate the monthly renewals. Base loan amount x 0. This is an estimate only and is usually only slightly different than the actual precise calculation. ML 9. 8 2. 2 follows the strict requirements as published by HUD. The formula for calculating monthly mortgage insurance premium became effective May 1, 1. Mortgagee Letter 9. Attachment. Sample calculations available here. How do I answer the questions on the Federal Box Disclosure screen Assumable. Late Charge Prepayment Penalty. Prepayment Refund if monthly. Conv. Fixed. No. 2 5 of P I after 1. No. No, if monthly. ARM. Yes. 2 5 of P I after 1. No. No, if monthly. FHAFixed. Yes. 4 of Total Payment after 1. FHA Box. FHA Box. ARMYes. 4 of Total Payment after 1. FHA Box. FHA Box. VAFixed. No. 4 of Total Payment after 1. No. No. ARM. Yes. Total Payment after 1. No. NoLate charges subject to state regulation limits. How are the FHA MI premium rates determined These changes are effective for FHA case numbers assigned on or after. April 1, 2. 01. 3 and June 3, 2. Upfront MIP is maintained at 1. April. 9, 2. 01. 2Term 1. Years. Base Loan Amount. LTVEffective. Annual MIP. April 1, 2. 01. 3. April 1, 2. 01. 3. Term 1. 5 Years with LTV above 7. Any Amount. 7. 8 or less LTV. June 3, 2. 01. 3. April 1, 2. 01. 3. April 1, 2. 01. 3. Increase to Annual Mortgage Insurance Premium on Mortgages with a High Outstanding. Base Loan Amount. FHA is also continues to exercise its pre existing statutory authority to add an. This change is effective for case numbers assigned on or after April 1, 2. LOANS ABOVE 6. 25,5. April 1, 2. 01. 3Term 1. Years. Base Loan Amount. LTVEffective. Annual MIP. Above 6. 25,5. 00. April 1, 2. 01. 3. Above 6. 25,5. 00. April 1, 2. 01. 3. Term 1. 5 Years with LTV above 7. Any Amount. 7. 8 or less LTV. June 3, 2. 01. 3. Above 6. 25,5. 00. The table below shows the duration of annual MIP by amortization term and LTV ratio. June 3, 2. 01. 3. Term. LTVEffective. MIP Term. 1. 5 years or less. June 3, 2. 01. 3. June 3, 2. 01. 3. June 3, 2. 01. 3. Loan Term. Above 1. June 3, 2. 01. 3. Above 1. 5 years. June 3, 2. 01. 3. Above 1. 5 years. June 3, 2. 01. 3. Loan Term. STREAMLINE FHA REFINANCESThe Decrease to Up Front Mortgage Insurance Premium on Certain Streamline Refinance. Transactions for Case Numbers issued June 1, 2. ENDORSED BEFORE. May 3. Upfront will be 0. And Annual will be. Exceptions to Announced Premium Changes. The changes specified in this ML apply to all mortgages insured under FHAs. Par Mib S. Single Family Mortgage Insurance Programs except Streamline refinances of existing FHA loans that were endorsed on or before May. See ML 2. 01. 2 0. Title IHome Equity Conversion Mortgages HECMSection 2. Hawaiian HomelandsSection 2. Indian ReservationsExceptions to MIP Duration Changes. The changes to the duration of the annual MIP as specified in this ML are effective. Single Family FHA programs for which FHA charges an annual MIP except Title IHome Equity Conversion Mortgages HECM. Please address any questions about the topics in this Mortgagee Letter to the FHA. Resource Center at 1 8. CALLFHA 1 8. 00 2. Persons with hearing or speech. TTY by calling the Federal Information Relay. Service at 1 8. 00 8. Where can I get the addresses for the ECOA Notice National Banks, Federal savings associations. Office of the Comptroller of the Currency, Customer Assistance Group. Mc. Kinney Street, Suite 3. Houston, TX 7. 70. State Member Banks, branches. Federal Reserve Consumer Help Center. P. O. Box 1. 20. 0Minneapolis, MN 5. Nonmember Insured Banks, and Insured State Savings Associations. FDIC Consumer Response Center. Walnut Street, Box 1. Kansas City, MO 6. Federal Credit Union. National Credit Union Administration. Office of Consumer Protection OCPDivision of Consumer Compliance and Outreach DCCO1. Duke Street. Alexandria, VA 2. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit. Banks, and Production Credit Associations. Farm Credit Administration. Farm Credit Drive. Mc. Lean, VA 2. 21. Mortgage companies. Federal Trade Commission. Equal Credit Opportunity. Swf Catcher Crack.