Page 4 of VMP Mortage Solutions by Wolters Kluwer Financial Services

booklets and pamphlets hud booklet buying your home vmp-18 real estate settlement procedures act respa regulations require lenders to provide the hud booklet at the time of receipt of application also available in spanish charm booklet vmp-20 regulation z requires lenders to provide a consumer handbook on adjustable rate mortgages charm booklet to inform borrowers applying for an arm of the unique characteristics of this type of loan it is also available in spanish vmp-18 vmp-20 vmp-322 a guide to mortgage refinance vmp-322 providing basic information to borrowers about refinancing home mortgages this guide is included in the mortgage refinance application express vmp-123r or can be purchased separately warning be honest when applying for a hud mortgage loan vmp-388 hud strongly suggests the use of this pamphlet that warns borrowers of the consequences of dishonest transactions when applying for a hud loan how to avoid foreclosure hud-fa-426 vmp-563 send this pamphlet to each delinquent mortgagor with a lender-specific notification to homeowner it outlines steps borrowers should take to avoid mortgage default and foreclosure vmp-388 vmp-563 vmp-483 when your home is on the line what you should know about home equity lines of credit vmp-483 when consumers are looking for basic information on home equity lines of credit and what to look for when shopping for credit this booklet is a must lenders are required by the federal reserve board to use this federal reserve board brochure protect your family from lead in your home vmp-323 this pamphlet required by federal law and developed by the environmental protection agency epa addresses household lead-based paint concerns for houses and apartments built before 1978 also available in spanish format vmp-323 booklets and pamphlets 4 1-800-521-7291 or vmp-customersupport@wolterskluwer.com

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