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HD&D Mortgage Downloads
Downloads are not a substitute for legal advice. They are intended to be aids for HD&D clients. Please ask your attorney your legal questions.

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HUD Interpretive Rule on referrals - June 2010
Although addressing the home warranty business, this rule should be a warning to lenders thinking of paying for mortgage referrals.


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Reg Z - Section 32 & 35 Excel Calculator
Basic calculator for TILA high cost/higher priced loans. Not a substitute for legal advice.


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Texas Home Equity - Acorn Suit Memo
Brief analysis of 2010 TX Court of Appeals decision concerning home equity regulations, particularly the definition of "interest" excluded from 3% fee cap.


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Texas Home Equity Fee Cap Calculator
Basic calculator for Texas Home Equity 3% Fee Cap. Not a substitute for legal advice.





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