by Susanne Dwyer | Dec 3, 2013 | Consumer, For Your Clients, News |
On November 20, 2013, the final rules on the replacement of the current consumer disclosure forms required under RESPA and the Truth-in-Lending Act were released. The new, integrated Loan Estimate Form and Closing Disclosure Form, called “Know Before You Owe,” will go...
by Susanne Dwyer | Dec 3, 2013 | For Your Clients, News |
The holidays are upon us, and they may affect your credit scores. One’s credit score could take a hit during the holidays in a number of ways. You may see a less than festive dip from overcharging and not paying your credit card bills in a timely manner or by...
by Beth McGuire | Dec 2, 2013 | For Your Clients, Marketing, News |
(MCT)—In 1999, Congress decreed that the monthly mortgage insurance premiums that borrowers paid could be terminated by the borrower under certain conditions, and if the borrower failed to act, the lender was obliged to terminate a little later. This rule applied to...
by Beth McGuire | Dec 2, 2013 | For Your Clients, News |
(MCT)—Q: In March 2011, I had my kitchen gutted and redone with new floor, cabinets, “green” furnace and water system, counters—the works. I installed a new Samsung French-door refrigerator, an over-the-stove microwave, and, for the first time, a dishwasher. The...
by Susanne Dwyer | Dec 1, 2013 | For Your Clients, News |
(MCT)—It’s a time of year when some workers are giving thanks for their cozy home-based jobs. Others, not so much. I recently heard from an unhappy work-at-homer whose employer had converted employees from office-based to home-based. Turning them into a virtual...
by Susanne Dwyer | Nov 26, 2013 | For Your Clients, News |
(MCT)—The federal government’s consumer financial watchdog will require lenders to issue shorter, easier-to-understand mortgage disclosure forms to home buyers that more clearly show the costs and terms of the loans. The Consumer Financial Protection Bureau issued the...