Document Systems, Inc. ("DSI") receives numerous requests from DocMagic customers asking how we arrive at our high cost determinations. In an effort to better explain our calculations, we publish detailed information regarding our calculations online.

Federal
	High Cost/Predatory Lending Overview
	Section 32 High Cost/Predatory Lending Analysis
	Federal Higher-Priced Mortgage Loan (HPML) Audit
	Required Escrow Accounts for Higher-Priced Mortgage Loans
	Mandatory Escrow Requirements for Jumbo Loans
	Mortgage Disclosure Improvement (MDIA) Audits
	Fannie Mae High Cost Tests: Maximum Points and Fees and HOEPA Mortgages
	Freddie Mac High Cost Tests: Maximum Points and Fees and HOEPA Mortgages
State
	State-Specific High Cost/Predatory Lending Analysis
Related Articles
	Effect of Discount Points on Various High Cost Tests
	Bona Fide Discount Points Update
	Are Your Discount Points Bona Fide? Now the Choice is Yours
	Government-Insured Loans and State High Cost Tests
	Impact of Non-Borrower Paid Mortgage Broker Compensation on High Cost Tests
	Treatment of Seller-Paid Fees for Fannie Mae 5% Test
	Fannie Mae Extends Effective Date of Amendments in Announcement 06-04
	Fannie Mae Audit
	Fannie Mae Amends Selling Guide - HOEPA Mortgages and Mortgages With Excessive Fees
	Fannie Mae/Freddie Mac Conforming Loan Limits
	Consumer Price Index - HOEPA Trigger

If you have any questions regarding any of the information relating to predatory lending, please contact DocMagic's Compliance Department at (800) 649-1362.