It is the principal fatty acid present in carnauba wax (30% of the normal fatty acids). A major source is rice-wax bran (about 40%). Without double bonds or other functional groups, these fatty acids are nearly chemically inert and thus can be subjected to drastic chemical conditions (temperature, oxidation).
HPML - Calculating Repayment Ability. We are working on the Reg. Z changes that came out Oct. 1, in relation to a higher price mortgage loan (HPML). We offer one, three, or five year ARM loans which meet the test for a HPML. All three of our ARM types originate at an index + margin (fully indexed rate) and are subject to an adjustment either at one, three or five years based on whatever the index is at that time plus the same margin the loan originated with.
DO/DU Practice Case #5 â June 2014 1. DO/DU Case #5: FHA Mortgage. Purpose: Get practice using Desktop OriginatorÂ®/Desktop UnderwriterÂ® (DOÂ®/DUÂ®) to evaluate a FHA mortgage. for a borrower purchasing a primary residence. Note: You must have a valid FHA Lender ID, or a valid Sponsored Originator EIN (if a broker or. correspondent) to submit this practice case for an underwriting recommendation. In addition, you can use. the borrower and Social Security number listed in this document when performing practice submissions. to the FHA TOTAL Mortgage Scorecard. By using the data provided in this practice case, you will see how you can enter minimal data in DO/DU.