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hawipa triggers the home ownership and equity protection act or hawipa as part of tilla section 32 requires owner-occupied high-cost loans to provide borrowers with special disclosures and puts limits on special loan features a hawipa or high cost loan happens when one or more of the three triggers are met the current triggers are as follows the adjusted points and fees dollar trigger for high cost mortgages are listed on the screen the trigger happens when the points and fees exceed the listed percentage for loan amounts over the amount specified which is the adjusted total loan amount threshold for high cost mortgages the rate trigger is based on the loans apr that exceeds the average prime offer rate or apor by 6.5 percent for first mortgages and 8.5 percent for subordinate liens for variable rate loans the apr is based on the fully indexed rate high cost trigger test 1 multiply the loan amount by the hawipa points and fees trigger depending on whether its a first or second lien if