I presume you are asking the meaning of this statement on the Truth-in-Lending (TIL) disclosure. Real estate loans are not the only type of financing that require a TIL disclosure. When taking out a loan that requires a deposit account like a savings account or CD be opened and remain open during the term of the loan and the deposit account pays less than 5% interest the TIL is required to state that the APR does not take into account the effect of keeping the required account open. This is rarely if ever an issue on real estate loans.