High-cost and higher-priced mortgage loans today are less commonplace than they once were, but they still represent a share of the market. For some consumers, a high-cost mortgage is the most suitable – or best available – option. These loans come with myriad special requirements and restrictions meant to add layers of protection to ensure borrower repayment ability, education, and default avoidance. This course will review these loan types and their special requirements. The content for this course is the same as course ID 13114 and is intended to satisfy CE requirements for 2022 or the last year a mortgage loan originator held an active license. Mortgage loan originators cannot take this course again for credit in 2023.