House RentalFees Rental fees

Renting Historic Samuel Cupples House | Saint Louis University text only | | about slu | | apply now | | contact slu | | give online | | slu home | | quicklinks Admissions Academics Academic Calendar Admin Offices Banner Billiken Athletics Campus Life Career Services Colleges and Schools Events on Campus Financial Aid Gateway: Intranet Giving to SLU Libraries Ministry and Outreach Museums and Art People Finder Research Resources for Reporters Safety Student Health SLUCare Technology Web Email WebCT Working at SLU | | | | a-to-z search Eleanor Turshin Glass Collection Now Open Preview the Collection General Information Directions and Map Cupples Museum Shop Art Collections Family and House History 1890 Virtual House Tour R. M. S. Republic Links Cupples Family Survives Disaster! Types of Tours Rent Cupples House Become A Member Fr. Maurice McNamee Fr. McNamee: The Visionary Who Saved Samuel Cupples House Home Guidelinesfor Event Rentalsat Saint Louis University's Historic Samuel Cupples House University Events Services: 977-3728, or 977-7162or 977-3729 (The Cupples House staff does not reserve or bookevents.) These guidelines are in place to prevent accidentsand damage to the historic Cupples House and art collections. We ask that yourespect the historic nature of Samuel Cupples House. Your signature on theconfirmation letter and contract is your acknowledgement that the SamuelCupples House is rented only in compliance with the following: General Only the first and second floors of Cupples House are opened for events scheduled at Cupples House. Sit-down dinners limited to 60 in attendance. Stand-up receptions limited to 150 guests. No smoking in Cupples House on any floors; in galleries, bathrooms or kitchen. No taper candles allowed. Votive candles may be used only if part of a floral table arrangements. Floral arrangements are limited to table centerpieces only. Personal property left at Cupples House will be held for two days only unless other arrangements are made. Cupples House assumes no responsibility for personal property during or after an event. Telephone may be used only in an emergency. Physicians should identify themselves to Cupples House staff if medical calls are expected. Music No dancing is permitted. No brass, band or amplified instruments. String instruments and piano music only. Prohibited Access Backstairs may not be used except in case of emergency. No windows on any floors can be opened. No access to the third floor. No access to exterior balconies on any floor. No access to staff offices, kitchen, storerooms, rooms under installation or otherwise marked as private. Guests Children under the age of 12 are not permitted in the house. No animals allowed except seeing eye dogs with advance permission. Handicapped access is limited to the first floor. Disabled guests should notify event services in advance. Refreshments No alcoholic beverage may be served to anyone under the age of 21. No liquor, beer, or wine may be brought in from outside. Alcoholic beverages must be ordered through our designated caterer only. No outside food may be brought in. University caterer is recommended but not required. Outside caterer must meet with Cupples House director prior to signing reservation contract. No food or drink is permitted on the upper floors of Cupples House. Parties are limited to the first floor only. No food or drink allowed on antique furniture or textiles. Red wine is not permitted in the Conservatory. If accidental spills occur, we request you notify an event services staff member so that the spill may be cleaned up immediately. Table, Bar Set-Up and SpecialEquipment Your event services contact will supply client with examples of table set-up. In order to comply with safety codes, table arrangements may have to be changed in order to keep exit clear and to protect antique furniture. Special needs for podium, reception or presentation tables must be requested no later than one week prior to event. Piano and/or electronic equipment needs must be made at time of booking. Cupples House does not supply electronic equipment. (Screens, slide projectors, carts, VCRs, extension cords, etc.) Event Services can assist the client in arranging this equipment. Deliveries Cupples House has limited storage space for outside deliveries. Deliveries accepted only on the day of the event. All deliveries for evening events must be picked up by 10:30 a.m. on the next business day. Please advise your Event Services contact two days in advance to arrange access. A list of deliveries and the company names must be provided in advance in order to arrange parking gate access. This includes, florists, musicians, party rentals and musical instruments. Parking Visitors are directed to park in the Saint Louis University garage at Grand and Laclede. Photography Photography strictly for personal use is allowed. Photography for reproduction or commercial use is not allowed without prior permission from the Saint Louis University Marketing and Communications Department. To prevent damage, photography, video cameras and photography lighting cannot be directed onto any painting, print or photograph. Cupples House reserves theright to restrict the use of any electronic equipment. Consideration of the Fine andDecorative Art Collection and Historical House No sitting on antique furniture; especially furniture tied off by ribbons. No decorations may be hung, taped, stapled or otherwise attached to the interior architecture or furniture. No furniture or objects may be moved unless approved and supervised by Cupples House staff. If front porch or porte-cochere is used for a reception area, all signs, tables and debris must be removed at the end of the event. Samuel Cupples House RentalFees Rental fees are based on afour-hour rental. Additional hours over four are charged at $100 per each hour. Our closing time is 10:30 p.m. All guests must vacate no later than 11p.m. Cupples House is available for two hour wedding photography sessions.Additional time past the two hour session will be assessed at $100 per each hour. Hours Daytime events: Mondays only. 11 a.m. to 4 p.m. Evening events: Mondaysthrough Sundays. 6 p.m. to 10:30 p.m. Fees/Charges Booking fee four hour reservation of the 1 st and 2 nd floor of Cupples House $250, university departments. $300, university faculty, staff, partners. $750, external group. Weekend surcharge (Fri., Sat., Sunday) $50, university departments $50, university faculty, staff, partners $250, external group Attendant fee $100, university departments $100, university faculty, staff, partners $200, external group Housekeeping fee $50 per 50 guests Piano fee $100 Wedding Photography (up to two hours) $175 Damage Deposit for allexternal rentals $250 How to Make Reservations andPayment: Call University EventsServices: 977-3728, or 977-7162 or 977-3729 Rental of Samuel Cupples Houseis determined on the appropriate nature of the event and on a first-come,first-served basis. Cupples House is unavailableduring the following periods: The month of January, the month of August, allmajor holidays and the weekends surrounding major holidays. These are: NewYear's Day, Easter, Memorial Day, Independence Day, Labor Day, Thanksgiving Dayand Christmas Day. In addition, Cupples House isnot available the week preceding Commencement on the third Saturday of May, andvarious other dates when the University is closed. In some circumstances, the Universityadministration and/or some departments have necessary priority in bookingcertain annual functions. These periods are in conjunction with the opening andclosing months of the academic year and the Thanksgiving to Christmas season. The following types of eventsare not appropriate for Cupples House rental: Wedding ceremonies or photography events Events which serve as a promotion for alcohol or tobacco products Events which have band instruments or dancing Fundraising events for non-University clients Photography or film location shoots without prior permission of the Saint Louis University Marketing and Communications Department Reservations: Reservations will be held for10 days after the mailing of the Event Booking/Reservation form.After returning your space reservation sheet with the required fee, you will besent a special events guidelines packet. Please read the guidelines carefullyto make sure that your planning and interests comply with the list ofregulations. Your deposit or IDO confirmsyour reservation. If not received within 10 days, the date is released to otherpossible clients. Payment Balance for external clientsis due two weeks prior to date of event. Certificate of Insurance forexternal clients due 10 days prior to date of event. Damage Deposit External Clients: A damage deposit of $250 isnecessary for every event. This deposit will be held andthen returned to the client within 10 days after the event assuming thatCupples House was not damaged during your event.. University Departments: The University insurancecarries a deductible of $1,000 so that Cupples House cannot submit claims belowthat amount. Damage that occurs to the interior woodwork, or furniture or artcollection below $1,000 will be billed to the University department along witha statement of loss or repair estimate. Refunds To hold a space, 100 percentof the room cost and administration fee are required. The remaining fees mustbe paid two weeks before the event. If you cancel, all fees except theadministrative fee will be returned one month prior to the event. Half of thedown payment will be returned if the event is canceled two weeks to one monthprior. If the event is canceled less than two weeks prior to the event, no feewill be returned. History Links | Samuel Cupples | Women's Page Chronology | Architecture | Gilded Age about slu | apply now | contact slu | give online | slu home ©1818 - 2005 SAINT LOUIS UNIVERSITY Where Knowledge Touches Lives ®

Property Listing

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Home Mortgage

Chase Home Finance -- Thinking about purchasing your dream home? You've come to the right place. Chase is the name you can trust for a wide array of home financing solutions to make your dream come true. If you already own your dream home, perhaps you'd like to take advantage of lower rates and refinance. Chase has refinancing solutions, too! -- Thinking about purchasing your dream home? You've come to the right place. Chase is the name you can trust for a wide array of home financing solutions to make your dream come true. If you already own your dream home, perhaps you'd like to take advantage of lower rates and refinance. Chase has refinancing solutions, too! QUICK AND EASY HOME BUYING ADVICE We want to make the home financing process as easy as possible for you. So, here are some tips from the mortgage experts at Chase: Determine how much you can afford. Choose the right loan - a Fixed Rate Mortgage for security and safety - or an Adjustable Rate Mortgage for flexibility and control - or perhaps your situation requires a Special Mortgage for unique borrowing needs. You can check all of today's rates here. Get pre-qualified before you start looking for a new home. You'll get negotiating power and save a lot of time, too. First, fill out a pre-qualification form . Get together all the documents needed in advance. This includes tax returns, W-2s, paycheck stubs, financial statements, etc. This will save time and stress during the application and approval process. Already found your dream home? Apply now with our short online pre-qualification form . Whether you need a mortgage or want to refinance , you can feel right at home with the experts at Chase. We look forward to being your mortgage provider, so contact us today! SEE TODAY'S CHASE RATES HOMEBUYERS!   Get Started Today REFINANCING YOUR MORTGAGE? Get Started Here. Legal Disclosures

Real Estate Broker

Weichert Realtors: Homes for Sale & Real Estate Listings in NJ,NY,FL,VA,MD,DC,CT,PA,MA,SC,NC,TX,GA,DE,OH,TN,WV En Espanol City & State, or Zip: MLS #: Price Range: $ ,000 To: $ ,000 Rentals Careers at Weichert Luxury Homes Historic Homes New Homes and Land Corporate Housing Commercial & Investments Insurance Gold Services Relocation Real Estate Schools Referral Associates Franchise Opportunities Start your Home search here, or click on the map. Please Select Alabama Arkansas Connecticut Delaware Florida Georgia Illinois Maryland Massachusetts Missouri New Jersey New York North Carolina Ohio Pennsylvania South Carolina Tennesee Texas Virginia Washington, DC West Virginia Weichert, Realtors proudly donated $1.3 million to the American Red Cross for the victims of Hurricane Katrina Also Search For: Selling · Open Houses · Mortgages · Associates · Offices Browse By State: Alabama Real Estate Properties New York Real Estate Properties Arkansas Real Estate Properties North Carolina Real Estate Properties Connecticut Real Estate Properties Ohio Real Estate Properties Delaware Real Estate Properties Pennsylvania Real Estate Properties Florida Real Estate Properties South Carolina Real Estate Properties Georgia Real Estate Properties Tennesee Real Estate Properties Illinois Real Estate Properties Texas Real Estate Properties Maryland Real Estate Properties Virginia Real Estate Properties Massachusetts Real Estate Properties Washington, DC Real Estate Properties Missouri Real Estate Properties West Virginia Real Estate Properties New Jersey Real Estate Properties Call 1-800-USA-SOLD (1-800-872-7653) Buying a House | Selling a Home | Open Houses | Real Estate Agents | Realtor Offices Find a Mortgage | My Real Estate Listings | About Weichert | Home | Contact Us Real Estate Franchise Opportunities | Weichert Careers © 2005 Weichert Realtors. All rights reserved. Terms of Use | Privacy Statement REALTOR® -- A Registered collective membership mark that identifies a real estate professional who is a member of the National Association of REALTORS ® and subscribes to its strict Code of Ethics. Inquiries regarding the Code of Ethics should be directed to the board in which a REALTOR® holds membership. © 2005 Weichert Realtors. All Rights Reserved.

Home Mortgage Insurance Home

Looking for the Best Mortgage ESPAÑOL Shopping around for a home loan or mortgage will help you to get the best financing deal. A mortgage--whether it’s a home purchase, a refinancing, or a home equity loan--is a product, just like a car, so the price and terms may be negotiable. You’ll want to compare all the costs involved in obtaining a mortgage. Shopping, comparing, and negotiating may save you thousands of dollars. Skip to content Obtain information from several lenders Obtain all important cost information Obtain the best deal that you can Remember: Shop, compare, negotiate Fair lending is required by law Credit problems? Glossary Mortgage shopping worksheet For more information Obtain Information from Several Lenders Home loans are available from several types of lenders-- thrift institutions , commercial banks, mortgage companies, and credit unions. Different lenders may quote you different prices, so you should contact several lenders to make sure you’re getting the best price. You can also get a home loan through a mortgage broker . Brokers arrange transactions rather than lending money directly; in other words, they find a lender for you. A broker’s access to several lenders can mean a wider selection of loan products and terms from which you can choose. Brokers will generally contact several lenders regarding your application, but they are not obligated to find the best deal for you unless they have contracted with you to act as your agent. Consequently, you should consider contacting more than one broker, just as you should with banks or thrift institutions. Whether you are dealing with a lender or a broker may not always be clear. Some financial institutions operate as both lenders and brokers. And most brokers’ advertisements do not use the word "broker." Therefore, be sure to ask whether a broker is involved. This information is important because brokers are usually paid a fee for their services that may be separate from and in addition to the lender’s origination or other fees. A broker’s compensation may be in the form of "points" paid at closing or as an add-on to your interest rate , or both. You should ask each broker you work with how he or she will be compensated so that you can compare the different fees. Be prepared to negotiate with the brokers as well as the lenders. Obtain All Important Cost Information Be sure to get information about mortgages from several lenders or brokers. Know how much of a down payment you can afford, and find out all the costs involved in the loan. Knowing just the amount of the monthly payment or the interest rate is not enough. Ask for information about the same loan amount, loan term, and type of loan so that you can compare the information. The following information is important to get from each lender and broker: Rates Ask each lender and broker for a list of its current mortgage interest rates and whether the rates being quoted are the lowest for that day or week. Ask whether the rate is fixed or adjustable . Keep in mind that when interest rates for adjustable-rate loans go up, generally so does the monthly payment. If the rate quoted is for an adjustable-rate loan, ask how your rate and loan payment will vary, including whether your loan payment will be reduced when rates go down. Ask about the loan’s annual percentage rate (APR) . The APR takes into account not only the interest rate but also points, broker fees, and certain other credit charges that you may be required to pay, expressed as a yearly rate. Points Points are fees paid to the lender or broker for the loan and are often linked to the interest rate; usually the more points you pay, the lower the rate. Check your local newspaper for information about rates and points currently being offered. Ask for points to be quoted to you as a dollar amount--rather than just as the number of points--so that you will actually know how much you will have to pay. Fees A home loan often involves many fees, such as loan origination or underwriting fees , broker fees, and transaction, settlement, and closing costs . Every lender or broker should be able to give you an estimate of its fees. Many of these fees are negotiable. Some fees are paid when you apply for a loan (such as application and appraisal fees), and others are paid at closing. In some cases, you can borrow the money needed to pay these fees, but doing so will increase your loan amount and total costs. "No cost" loans are sometimes available, but they usually involve higher rates. Ask what each fee includes. Several items may be lumped into one fee. Ask for an explanation of any fee you do not understand. Some common fees associated with a home loan closing are listed on the Mortgage Shopping Worksheet in this brochure. Down Payments and Private Mortgage Insurance Some lenders require 20 percent of the home’s purchase price as a down payment. However, many lenders now offer loans that require less than 20 percent down--sometimes as little as 5 percent on conventional loans . If a 20 percent down payment is not made, lenders usually require the home buyer to purchase private mortgage insurance (PMI) to protect the lender in case the home buyer fails to pay. When government-assisted programs such as FHA (Federal Housing Administration), VA (Veterans Administration), or Rural Development Services are available, the down payment requirements may be substantially smaller. Ask about the lender’s requirements for a down payment, including what you need to do to verify that funds for your down payment are available. Ask your lender about special programs it may offer. If PMI is required for your loan, Ask what the total cost of the insurance will be. Ask how much your monthly payment will be when including the PMI premium. Ask how long you will be required to carry PMI. Obtain the Best Deal That You Can Once you know what each lender has to offer, negotiate for the best deal that you can. On any given day, lenders and brokers may offer different prices for the same loan terms to different consumers, even if those consumers have the same loan qualifications. The most likely reason for this difference in price is that loan officers and brokers are often allowed to keep some or all of this difference as extra compensation. Generally, the difference between the lowest available price for a loan product and any higher price that the borrower agrees to pay is an overage . When overages occur, they are built into the prices quoted to consumers. They can occur in both fixed and variable-rate loans and can be in the form of points, fees, or the interest rate. Whether quoted to you by a loan officer or a broker, the price of any loan may contain overages. Have the lender or broker write down all the costs associated with the loan. Then ask if the lender or broker will waive or reduce one or more of its fees or agree to a lower rate or fewer points. You’ll want to make sure that the lender or broker is not agreeing to lower one fee while raising another or to lower the rate while raising points. There’s no harm in asking lenders or brokers if they can give better terms than the original ones they quoted or than those you have found elsewhere. Once you are satisfied with the terms you have negotiated, you may want to obtain a written lock-in from the lender or broker. The lock-in should include the rate that you have agreed upon, the period the lock-in lasts, and the number of points to be paid. A fee may be charged for locking in the loan rate. This fee may be refundable at closing. Lock-ins can protect you from rate increases while your loan is being processed; if rates fall, however, you could end up with a less favorable rate. Should that happen, try to negotiate a compromise with the lender or broker. Remember: Shop, Compare, Negotiate When buying a home, remember to shop around, to compare costs and terms, and to negotiate for the best deal. Your local newspaper and the Internet are good places to start shopping for a loan. You can usually find information both on interest rates and on points for several lenders. Since rates and points can change daily, you’ll want to check your newspaper often when shopping for a home loan. But the newspaper does not list the fees, so be sure to ask the lenders about them. The Mortgage Shopping Worksheet that follows may also help you. Take it with you when you speak to each lender or broker and write down the information you obtain. Don’t be afraid to make lenders and brokers compete with each other for your business by letting them know that you are shopping for the best deal. Fair Lending Is Required by Law The Equal Credit Opportunity Act prohibits lenders from discriminating against credit applicants in any aspect of a credit transaction on the basis of race, color, religion, national origin, sex, marital status, age, whether all or part of the applicant’s income comes from a public assistance program, or whether the applicant has in good faith exercised a right under the Consumer Credit Protection Act. The Fair Housing Act prohibits discrimination in residential real estate transactions on the basis of race, color, religion, sex, handicap, familial status, or national origin. Under these laws, a consumer cannot be refused a loan based on these characteristics nor be charged more for a loan or offered less favorable terms based on such characteristics. Credit Problems? Still Shop, Compare, and Negotiate Don’t assume that minor credit problems or difficulties stemming from unique circumstances, such as illness or temporary loss of income, will limit your loan choices to only high-cost lenders.If your credit report contains negative information that is accurate, but there are good reasons for trusting you to repay a loan, be sure to explain your situation to the lender or broker. If your credit problems cannot be explained, you will probably have to pay more than borrowers who have good credit histories. But don’t assume that the only way to get credit is to pay a high price. Ask how your past credit history affects the price of your loan and what you would need to do to get a better price. Take the time to shop around and negotiate the best deal that you can. Whether you have credit problems or not, it’s a good idea to review your credit report for accuracy and completeness before you apply for a loan. To order a copy of your credit report, contact: Equifax: (800) 685-1111 TransUnion: (800) 888-4213 Experian: (888) 397-3742 Glossary Adjustable-rate loans , also known as variable-rate loans, usually offer a lower initial interest rate than fixed-rate loans. The interest rate fluctuates over the life of the loan based on market conditions, but the loan agreement generally sets maximum and minimum rates. When interest rates rise, generally so do your loan payments; and when interest rates fall, your monthly payments may be lowered. Annual percentage rate (APR) is the cost of credit expressed as a yearly rate. The APR includes the interest rate, points, broker fees, and certain other credit charges that the borrower is required to pay. Conventional loans are mortgage loans other than those insured or guaranteed by a government agency such as the FHA (Federal Housing Administration), the VA (Veterans Administration), or the Rural Development Services (formerly know as Farmers Home Administration, or FmHA). Escrow is the holding of money or documents by a neutral third party prior to closing. It can also be an account held by the lender (or servicer) into which a homeowner pays money for taxes and insurance. Fixed-rate loans generally have repayment terms of 15, 20, or 30 years. Both the interest rate and the monthly payments (for principal and interest) stay the same during the life of the loan. The interest rate is the cost of borrowing money expressed as a percentage rate. Interest rates can change because of market conditions. Loan origination fees are fees charged by the lender for processing the loan and are often expressed as a percentage of the loan amount. Lock-in refers to a written agreement guaranteeing a home buyer a specific interest rate on a home loan provided that the loan is closed within a certain period of time, such as 60 or 90 days. Often the agreement also specifies the number of points to be paid at closing. A mortgage is a document signed by a borrower when a home loan is made that gives the lender a right to take possession of the property if the borrower fails to pay off the loan. Overages are the difference between the lowest available price and any higher price that the home buyer agrees to pay for the loan. Loan officers and brokers are often allowed to keep some or all of this difference as extra compensation. Points are fees paid to the lender for the loan. One point equals 1 percent of the loan amount. Points are usually paid in cash at closing. In some cases, the money needed to pay points can be borrowed, but doing so will increase the loan amount and the total costs. Private mortgage insurance (PMI) protects the lender against a loss if a borrower defaults on the loan. It is usually required for loans in which the down payment is less than 20 percent of the sales price or, in a refinancing, when the amount financed is greater than 80 percent of the appraised value. Thrift institution is a general term for savings banks and savings and loan associations. Transaction, settlement, or closing costs may include application fees; title examination, abstract of title, title insurance, and property survey fees; fees for preparing deeds, mortgages, and settlement documents; attorneys’ fees; recording fees; and notary, appraisal, and credit report fees. Under the Real Estate Settlement Procedures Act, the borrower receives a good faith estimate of closing costs at the time of application or within three days of application. The good faith estimate lists each expected cost either as an amount or a range. Mortgage Shopping Worksheet File for Printing Worksheet (12KB PDF) Lender 1 Lender 2 Name of Lender: ___ ___ Name of Contact: ___ ___ Date of Contact: ___ ___ Mortgage Amount: ___ ___ mortgage 1 mortgage 2 mortgage 1 mortgage 2 Basic Information on the Loans Type of Mortgage: fixed rate, adjustable rate, conventional, FHA, other? If adjustable, see below ___ ___ ___ ___ Minimum down payment required ___ ___ ___ ___ Loan term (length of loan) ___ ___ ___ ___ Contract interest rate ___ ___ ___ ___ Annual percentage rate (APR) ___ ___ ___ ___ Points (may be called loan discount points) ___ ___ ___ ___ Monthly Private Mortgage Insurance (PMI) premiums ___ ___ ___ ___ How long must you keep PMI? ___ ___ ___ ___ Estimated monthly escrow for taxes and hazard insurance ___ ___ ___ ___ Estimated monthly payment (Principal, Interest, Taxes, Insurance, PMI) ___ ___ ___ ___ Fees Different institutions may have different names for somefees and may charge different fees. We have listed some typical fees you may see on loan documents. Application fee or Loan processing fee ___ ___ ___ ___ Origination fee or Underwriting fee ___ ___ ___ ___ Lender fee or Funding fee ___ ___ ___ ___ Appraisal fee ___ ___ ___ ___ Attorney fees ___ ___ ___ ___ Document preparation and recording fees ___ ___ ___ ___ Broker fees (may be quoted as points, origination fees, or interest rate add-on) ___ ___ ___ ___ Credit report fee ___ ___ ___ ___ Other fees ___ ___ ___ ___ Other Costs at Closing/Settlement Title search/Title insurance For lender ___ ___ ___ ___ For you ___ ___ ___ ___ Estimated prepaid amounts for interest, taxes, hazard insurance, payments to escrow ___ ___ ___ ___ State and local taxes, stamp taxes, transfer taxes ___ ___ ___ ___ Flood determination ___ ___ ___ ___ Prepaid Private Mortgage Insurance (PMI) ___ ___ ___ ___ Surveys and home inspections ___ ___ ___ ___ Total Fees and Other Closing/Settlement Cost Estimates ___ ___ ___ ___ Lender 1 Lender 2 Name of Lender: mortgage 1 mortgage 2 mortgage 1 mortgage 2 Other Questions and Considerations about the Loan Are any of the fees or costs waivable? ___ ___ ___ ___ Prepayment penalties Is there a prepayment penalty? ___ ___ ___ ___ If so, how much is it? ___ ___ ___ ___ How long does the penalty period last? (for example, 3 years? 5 years?) ___ ___ ___ ___ Are extra principal payments allowed? ___ ___ ___ ___ Lock-ins Is the lock-in agreement in writing? ___ ___ ___ ___ Is there a fee to lock-in? ___ ___ ___ ___ When does the lock-in occur—at application, approval, or another time? ___ ___ ___ ___ How long will the lock-in last? ___ ___ ___ ___ If the rate drops before closing, can you lock-in at a lower rate? ___ ___ ___ ___ If the loan is an adjustable rate mortgage: What is the initial rate? ___ ___ ___ ___ What is the maximum the rate could be next year? ___ ___ ___ ___ What are the rate and payment caps each year and over the life of the loan? ___ ___ ___ ___ What is the frequency of rate change and of any changes to the monthly payment? ___ ___ ___ ___ What is the index that the lender will use? ___ ___ ___ ___ What margin will the lender add to the index? ___ ___ ___ ___ Credit life insurance Does the monthly amount quoted to you include a charge for credit life insurance? ___ ___ ___ ___ If so, does the lender require credit life insurance as a condition of the loan? ___ ___ ___ ___ How much does the credit life insurance cost? ___ ___ ___ ___ How much lower would your monthly payment be without the credit life insurance? ___ ___ ___ ___ If the lender does not require credit life insurance, and you still want to buy it, what rates can you get from other insurance providers? ___ ___ ___ ___ This brochure was prepared by the following agencies: Department of Housing and Urban Development Department of Justice Department of the Treasury Federal Deposit Insurance Corporation Federal Housing Finance Board Federal Reserve Board Federal Trade Commission National Credit Union Administration Office of Federal Housing Enterprise Oversight Office of the Comptroller of the Currency Office of Thrift Supervision These agencies (except the Department of the Treasury) enforce compliance with laws that prohibit discrimination in lending. If you feel that you have been discriminated against in the home financing process, you may want to contact one of the agencies listed above about your rights under these laws. For more information on home lending issues, visit ( http://www.consumer.gov ), write to the Federal Citizen Information Center, Pueblo, CO 81009 or visit the Center’s Web site at ( http://www.pueblo.gsa.gov ). The following brochures are available from the Center: A Consumer’s Guide to Mortgage Lock-Ins A Consumer’s Guide to Mortgage Refinancing Buying Your Home: Settlement Costs and Helpful Information Consumer Handbook on Adjustable Rate Mortgages Guide to Single Family Home Mortgage Insurance Home Buyer’s Vocabulary Home Mortgages: Understanding the Process and Your Rights to Fair Lending How to Buy a Home with a Low Down Payment How to Dispute Credit Report Errors The HUD Home Buying Guide What You Should Know About Home Equity Lines of Credit Home | Consumer information | Publications | Brochures | Accessibility | Contact Us Last update: January 22, 2004