You are not required to complete
this agreement merely because you have received these disclosures
or have signed a loan application.
If you obtain
this loan, the lender will have a mortgage on your home.
YOU COULD LOSE YOUR HOME, AND ANY MONEY YOU HAVE PUT INTO
IT, IF YOU DO NOT MEET YOUR OBLIGATIONS UNDER THE LOAN.
You are borrowing $ (optional credit insurance is □ is not □ included in this amount).
The annual percentage rate on your loan will be %.
Your regular [frequency] payment will be $ .
[At the end of your loan, you will still owe us $[balloon
amount] .]
[Your interest rate may increase. Increases in the interest
rate could increase your payment. The highest amount your payment
could increase is to $ .]
