Get Form 5f.13 Home Loan Disclosure Comments: Regulation Z ...

Filling out the FORM 5F.13 Home Loan Disclosure is essential for understanding the terms of your home loan under the Home Ownership and Equity Protection Act. This guide provides clear, step-by-step instructions to assist you in completing the form accurately online.

Follow the steps to successfully complete the home loan disclosure form.

1. Click the ‘Get Form’ button to access the form and open it for editing.
2. Fill in the section for the amount you are borrowing. Enter the loan amount in the provided space where it states, 'You are borrowing $_______'. You may also indicate if optional credit insurance is included.
3. Next, specify the annual percentage rate of your loan by entering it in the section that states, 'The annual percentage rate on your loan will be: ______%'. Make sure this reflects the current rate agreed upon.
4. In the field for regular payments, indicate the payment frequency and enter the amount of your regular payment. This should be filled in where it states, 'Your regular [frequency] payment will be: $__________________'.
5. If your loan includes a balloon payment, insert the relevant language at the indicated section. State the amount you will still owe at the end of the loan period: '[At the end of your loan, you will still owe us: $ [balloon amount].]'.
6. For variable-rate loans, include a cautionary statement about potential interest rate increases and fill in the maximum possible payment increase as indicated.
7. Review the disclosure statement confirming that you have received a completed copy, and fill in the date on which you read this Home Loan Disclosure.
8. Sign as the borrower by adding your signature and printed name in the designated fields.
9. Finally, ensure all fields are completed accurately. Save your changes, download, print, or share the form as needed.

Complete your home loan disclosure form online to ensure your understanding and compliance with the required regulations.