Practical Skills: Mortgages (NY)

I Introduction

• I. Introduction
• A. Initial Hints
• B. General Definitions and Basics

II Mortgageable Interests

• II. Mortgageable Interests
• A. Introduction
• B. Purchase Money Mortgage
• C. Building Loan Mortgage
• D. Leasehold Mortgage
• E. Fixed Rate Mortgage
• F. Adjustable Rate Mortgage (Arm)
• G. Graduated Payment Mortgage (Gpm)
• H. Pledged Account Mortgage (Pam)
• I. Growing Equity Mortgage
• J. Reverse Annuity Mortgage (Ram)
• K. Shared Appreciation Mortgage (Sam)
• L. Price Level Adjusted Mortgage (Plam)
• M. Balloon Mortgages and Rollover Mortgages

III Government-related Mortgages

• III. Government-Related Mortgages
• A. Federal Housing Administration (Fha)
• B. Veterans Benefits Administration (Va)
• C. Farm Service Agency (Fsa)
• D. Farm Credit Banks

IV Other Financing Avenues

• lV. Other Financing Avenues

IX Preparing the Purchase Money Mortgage

• lX. Preparing the Purchase Money Mortgage

Mortgages—Index of Forms

• Mortgages—Index of Forms

V Execution and Delivery of the Mortgage

• V. Execution and Delivery of the Mortgage

VI Building Loan Mortgages

• VI. Building Loan Mortgages
• A. Special Issues
• B. Building Loan Agreement Modification and Subordination
• C. Mortgage Recording Tax

VII Usury

• VII. Usury
• A. Exemptions and Exceptions
• B. Annual Percentage Rate
• C. Penalties For Usury

VIII Mortgage Terms

• VIII. Mortgage Terms

X Mortgage Deficiencies and Their Remedies

• X. Mortgage Deficiencies and Their Remedies
• A. Harmful Inclusions
• B. Suggested Clauses For Inclusion
• C. Conclusion

XI Environmental Protection Agency Clause

• XI. Environmental Protection Agency Clause

XII Instruments Relating To Mortgages

• XII. Instruments Relating To Mortgages
• A. Mortgage Extensions and Modifications
• B. Consolidation Agreements
• C. Splitter and Spreader Agreements
• D. Subordination Agreements
• E. Renewal Mortgages
• F. Mortgage Assignments and Transfers
• G. The Right To Redeem

XIII Release of a Mortgage and Related Transactions

• XIII. Release of A Mortgage and Related Transactions

XIV Statute of Limitations Applicable To Mortgages

• XIV. Statute of Limitations Applicable To Mortgages

XIX Predatory Mortgage Lending

• XIX. Predatory Mortgage Lending

XV Forfeiture of a Mortgagee's Interest To the United States of America

• XV. Forfeiture of A Mortgagee'sInterest To the United States of America

XVI Deficiency Judgment

• XVI. Deficiency Judgment

XVII Commercial Credit Line Mortgages

• XVII. Commercial Credit Line Mortgages

XVIII Discrimination In Mortgage Lending

• XVIII. Discrimination in Mortgage Lending
• A. Generally
• B. Statutory Authority
• C. Types of Discrimination
• D. Disparate Treatment
• E. Disparate Impact

XX Issues Surrounding Discharge or Assignment

• XX. Issues Surrounding Discharge Or Assignment
• A. Assignment As Opposed To Satisfaction
• B. Payment of Fees on Assignments
• C. Escrow Accounts

XXI "Non-recourse" Mortgages and Limited Guarantees of Key Principals

• XXI. "Non-Recourse" Mortgages and Limited Guarantees of Key Principals

XXII Lien Law and Trust Fund Violations; Prime Mortgage Liens

• XXII. Lien Law and Trust Fund Violations; Prime Mortgage Liens

XXIII Participations

• XXIII. Participations

XXIV The Patriot Act In Mortgage Lending

• XXIV. The Patriot Act in Mortgage Lending