(5) (A) No lender may take out a mortgage in charges which, directly or indirectly, covers each credit insurance at the individual premium within the meaning of section 56-7-904 , a credit accident, disability, credit unemployment, home loan or health insurance, other credit insurance products or direct or indirect payments for the cancellation or signing of a debt contract, unless the total benefits payable under all policies or contracts issued in relation to the loan do not above $50,000 ($50,000) are the main premiums for the policy or contract during the life of the policy or refundable contract, and the amount payable under the life insurance credit does not exceed 103% during the term of the loan (103%) the balance of the principal of the loan, then unpre amortized. (B) No person may change in the context of a paid home loan after the execution of the document, including, but without limitation, any change or modification, a loan agreement, a mortgage, a fiduciary deed, a credit application, a declaration of settlement or any other loan or closing document, unless the amendment takes place with the consent of the person or persons affected by the change and consents the is in writing. , or the amendment is approved by a valid proxy that approved the amendment.  A power of attorney is valid for this purpose if it specifically includes the nature or nature of the amendment;  and (20) (A) No lender, lender associated with a high-priced home loan will encourage or apply for a loan contract, mortgage, deed, fiduciary deed, credit application, credit statement or other loan or closing document for a high-priced home loan, if essential terms of the loan or transaction , including, but not limited, to duration, interest rate or fees, are abolished or incomplete; (13) No lender may take out a paid home loan with conditions under which more than two (2) periodic payments required under the loan are consolidated and paid in advance on the proceeds of the loan made available to the borrower; (C) the late tax is not collected more than once for a single payment;  and there is no late fee for a subsequent payment that would have been a full payment, but for the previous delay or collection of the advance late tax; (C) any method of reimbursement that is not authorized under 12 CFR 226.32 (d) (6) and (d) (7) is prohibited; (7) No lender may finance points and fees above 3% (3%) of the total amount of the loan, or a thousand of five hundred dollars ($1,500) if the total amount of the loan is more than thirty thousand dollars (30,000 USD), or an amount of five percent (5%) The total amount of the loan, where the total amount of the loan is thirty thousand dollars or less ($30,000);  however, where filers covered in Chapter 5 of this security may finance, as points and fees, an amount not exceeding the eligible costs under section 45-5 to 403, paragraph 1, point A) for loans granted under Chapter 5 of this title. (B) the late tax is paid only for a payment due for ten (10) days or more;  AND YOU SHOULD BE AWARE THAT YOU CAN GET A CREDIT ON A LOWER COST.  YOU SHOULD MAKE YOUR PURCHASES AND COMPARE CREDIT RATES AND FEES.  MORTGAGE AND CLOSING INTEREST RATES VARY DEPENDING ON MANY FACTORS, INCLUDING THEIR PARTICULAR FINANCIAL AND FINANCIAL SITUATION, EMPLOYMENT HISTORY, THE VALUE OF THE CREDIT REQUESTED, AND THE TYPE OF PROPERTY THAT INSURES THE LOAN.   THE CREDIT RATE AND FEES MAY VARY DEPENDING ON THE LENDER OR BROKER YOU CHOOSE.