For each balloon mortgage, the lender must insert a special notice regarding the nature of the balloon features on Form 1003 or in a separate attachment to the form. If an attachment is used, the borrower(s) must sign the attachment. The following language must be inserted, using capital letters:Fraud & Identity Theft Protection. You will NEVER be contacted for personal or account information by a bank employee. If you receive a call like this please do not give out any personal information and contact us immediately to report it. Learn how to protect yourself from fraud and identity theft and what to do if you fall victim to it.

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