(ii) The creditor determines at or before consummation that the consumer will make the entire scheduled payments beneath the terms from the authorized obligation, as described in paragraph (file)(one)(iv) of this area, together with The buyer’s every month payments for all home finance loan-associated obligations and excluding the balloon payment

B. In contrast, the subsequent may very well be evidence that a creditor's potential-to-repay perseverance was not acceptable or in great faith:i. Initial, the payment must be dependant on the outstanding principal balance as of the day on the recast, assuming all scheduled payments are created underneath the phrases with the legal obligation in im

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