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.
1 The lenders will take an application, process the loan documents, and see the loan through to the funding stage.  If you have marginal or bad credit, consult your lender. You may be able to qualify for a loan depending on how long ago and what reason(s) caused the bad credit. A lender should be able to advise you on whether your credit history will prevent you from qualifying for a home loan.