Housing Wire

MAY 23, 2024

Once notified of an incident, representatives from HUD will contact the designated representative from the institution reporting the incident to determine the appropriate mitigation steps based on the nature of the incident,” the announcement added.

Law 500

Law Design Insurance Tools 500

Housing Wire

DECEMBER 14, 2023

The Federal Communications Commission (FCC) — the government regulatory body overseeing communications across a wide variety of media including radio, telephone cable and the internet — adopted a new series of rules on Wednesday designed to crack down on controversial lead generation methods, including “robocalling” and “robo-texting.”

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Law Design Insurance Government 483

Housing Wire

MARCH 1, 2023

And yes, this certainly has had an impact on insurance companies from coast to coast, as we’ve seen insurers retreat en masse from states such as California , Florida , and Texas , which have all seen record losses in recent years from wildfires, earthquakes, hurricanes, severe winter storms, sinkholes, and more.

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Insurance Supply Chain Design Government 397

Housing Wire

NOVEMBER 3, 2023

That’s why they’ve introduced the homegenius Platform, an integrated solution consisting of advanced technology , data science, machine learning and AI designed to drive value and bring ease to consumers through the home buying and selling journey. The process of finding, buying and owning a home today is disjointed, antiquated and messy.

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Real Estate Agent Real Estate Insurance Valuation 430

Housing Wire

JUNE 25, 2024

Additionally, institutions must “protect against the manipulation of data; seek to avoid conflicts of interest; require random sample testing and reviews; and comply with applicable nondiscrimination laws.” Beyond the CFPB, other agencies involved with drafting the final rule include the Federal Deposit Insurance Corp.

Appraisal 395

Appraisal Real Estate Valuation Law 395

Housing Wire

MARCH 14, 2022

in which title insurance companies are required by law to file reports identifying individuals who made all-cash real estate purchases exceeding $300,000 through shell companies. As the regulations currently stand, it falls on title insurers in the 12 GTOs to report these all-cash transactions.

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Real Estate Insurance Law Real Estate Agent 436

Housing Wire

AUGUST 30, 2024

For loans backed by Federal Housing Administration ( FHA ), it is a matter of law. Mortgage loans and mortgage insurance are priced based on characteristics of the loan, including borrower credit score and LTV—and for higher LTV loans, the combination of these fees means higher monthly payments.

Finance 447

Finance Buyers Agents Insurance 447

Housing Wire

FEBRUARY 27, 2023

RMK Financial Corporation , which does business as Majestic Home Loans , has been permanently banned by the Consumer Financial Protection Bureau (CFPB) from the mortgage lending industry following a series of repeat offenses — which occurred despite the CFPB’s law enforcement order issued in 2015. government. government.

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Lending Advertising Mortgage Government 398

Housing Wire

JANUARY 27, 2022

housing entities are at odds over the future of the federal government’s cash-strapped flood insurance program. NAR, meanwhile, no longer wants to see states excluded from the federal government’s flood insurance program due to not meeting FEMA standards. Two of the most powerful U.S. billion in reinsurance payments.

Insurance 397

Insurance Government Law Real Estate Agent 397

Housing Wire

MAY 27, 2022

All lenders must explain their rationale when denying credit to loan applicants, the Consumer Financial Protection Bureau affirmed Thursday, after looking into whether companies claiming exemption because they rely on “complex algorithms” were in violation of federal anti-discrimination law. Presented by: Mortgage Coach.

Law 450

Law Valuation Legal Government 450

Housing Wire

APRIL 25, 2024

This program provides counseling to all applicants of the federally insured reverse mortgage program, the Home Equity Conversion Mortgage program,” the report stated. The Financial Literacy and Education Improvement Act, signed into law by President George W. Bush in 2008, established the Financial Literacy and Education Commission.

Mortgage 412

Mortgage Government Law Design 412

Empire Appraisal Group

DECEMBER 28, 2022

Does Adding an In-Law Suite Pay Off? Source: Does Adding an In-Law Suite Pay Off? NEW YORK – Accessory dwelling units are known by many names: in-law suites, guest houses, backyard cottages, or basement or garage conversions, among others. The post Does Adding an In-Law Suite Pay Off? Florida Realtors. By Liz Weston.

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Law Legal Construction Property Taxes 78

Housing Wire

JUNE 30, 2023

million to settle allegations that it improperly originated and underwrote mortgages insured by the Federal Housing Administration (FHA) and Department of Veterans Affairs (VA) programs. Therefore, lenders must follow FHA and VA rules to ensure only loans that meet credit and underwriting criteria are insured or guaranteed by the government.

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Government Insurance Mortgage Legal 398

Housing Wire

NOVEMBER 21, 2022

Northern Virginia and Maryland (DMV) area, Baltimore, Fairfield County Connecticut and Seattle, title insurance companies are now required by law to file reports identifying individuals who made all-cash real estate purchases exceeding $300,000 through shell companies in the Texas cities of Houston and Laredo.

Real Estate 419

Real Estate Law Development Design 419

Housing Wire

NOVEMBER 1, 2024

Last but not least, real estate agents prepare documents such as closing documents, purchase agreements, and leases while ensuring that the transaction is in compliance with local laws and their client’s terms are met. This course covers real estate law, contracts, finance and ethics. your state’s real estate license exam.

Real Estate 450

Real Estate Real Estate Agent Agents Brokerage 450

Housing Wire

MARCH 13, 2023

Here’s how to show them you’re in the know: Be a title expert Homebuyers want information that can make their decisions more manageable, especially information on title insurance, which they may have never heard of before starting the home buying process. Show them you understand the local nuances of the industry inside and out.

Insurance 389

Insurance Clients Business Modernization 389

Housing Wire

APRIL 7, 2022

In addition to complying with state laws, you must make a plan on how to train and certify staff and comply with the rules and expectations set by your underwriting and lending partners. Before you do anything, you should ask your underwriter whether they will insure RON closings at all. How should you prepare for RON?

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Law Technology Insurance Real Estate 370

Housing Wire

DECEMBER 16, 2020

Title Leader is designed specifically for default services law firms, whether you have a captive title company or not. Industry-first automation of the 11, mandatory steps of the title-search handling process… AND you gain access to our search-fulfillment partner, which serves all national title insurance underwriters.

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Mortgage Training Law Design 191

Housing Wire

JUNE 2, 2023

million in a designated loan subsidy fund designed to increase access to credit for home mortgage, improvement and refinance loans, as well as home equity loans and lines of credit, in majority-Black and Hispanic neighborhoods within the bank’s lending area. “The

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Lending Advertising Design Loan Officers 322

Housing Wire

OCTOBER 25, 2023

FinCEN said it worked with local law enforcement to identify the new areas for GTO coverage. The new requirements are effective through mid-April 2024. The GTOs require title companies to identify the people behind shell companies used in all-cash purchases of residential real estate. real estate market to launder money.

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Real Estate Law Design Development 446

Housing Wire

APRIL 26, 2023

FinCEN said it worked with local law enforcement to identify 14 additional counties to be included in the GTO coverage areas, including Litchfield County in Connecticut and Adams, Arapahoe, Clear Creek, Denver, Douglas, Eagle, Elbert, El Paso, Fremont, Jefferson, Mesa, Pitkin, Pueblo, and Summit counties in Colorado. .;

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Real Estate Law Realtors Finance 377

Housing Wire

JANUARY 12, 2024

“The foundation would get what was described, in a January 2023 fundraising package, as a ‘prestigious headquarters … [and] site for small scale, but elegant events’ with its ‘voluminous library on American legal and constitutional development’ as a resource for nearby Roger Williams University ‘s law school.”

Tools 454

Tools Mortgage Finance Lending 454

Housing Wire

NOVEMBER 9, 2020

In 2017, the associations collaborated to create standard legislation that is safe for consumers, ensures the transaction can be insurable and is technology neutral. To appreciate this improvement to the closing process, you need to understand the various laws that allow for digital closings at different stages of the transaction.

Law 469

Law Legal Technology Real Estate 469

Housing Wire

OCTOBER 4, 2024

The exam is designed to test your understanding of what you studied in class. Your questions will cover federal mortgage laws, general mortgage knowledge, MLO activities and more. The lender must ensure that the borrower has homeowner’s insurance before the loan closing.

Real Estate 443

Real Estate Loan Officers Tools Law 443

Appraisal Buzz

JUNE 7, 2024

As Director, Chopra is also a member of the Board of Directors of the Federal Deposit Insurance Corporation (FDIC) and the Financial Stability Oversight Council (FSOC). In 2011, the Secretary of the Treasury designated him as the agency’s student loan ombudsman, where he led the Bureau’s efforts on student lending issues.

Contracts 195

Contracts Insurance Legal Business 195

Housing Wire

FEBRUARY 22, 2022

Though regulators have the power to ding lenders for violating fair lending law, none of the agencies can give a special purpose credit program their blessing. Lenders are left to their own devices to design the programs, based on guidelines from the CFPB, and hope they get it right.

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Lending Development Finance Law 388

Housing Wire

SEPTEMBER 15, 2020

This article was written for FinLedger, HW Media’s new fintech focused news brand designed specifically for financial services professionals in banking, payments, insurance and proptech. Digital adoption has been hampered by state laws since a federal law that outlines practices for remote online notarizations does not exist.

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Business Law Real Estate Investors 504

Appraisal Buzz

JULY 17, 2024

The House should quickly approve this bill so it can be signed into law.” Ohioans who have served our country should have every opportunity to get the VA home loans they’ve earned,” said Sen. Despite these benefits, only 13% of veterans ever utilize their VA home loan benefit.

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Legal Law Insurance Design 221

Will Springer Realtor

OCTOBER 11, 2023

Zoning laws in the U.S. The laws also play a role in community planning. The first successful zoning laws were established in 1916 to determine building heights in New York City, soon followed by the zoning of residential and business districts. The laws can be a double-edged sword.

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Law Development Design Government 36

Housing Wire

MARCH 15, 2021

of households in current neighborhoods that were once designated undesirable for mortgage lending are non-white, compared with 40.4% And almost 90% of flood damage insurance payments in Chicago are made to households in communities of color, per Redfin. Presented by: Ylopo. Per Redfin, 58.1%

Real Estate Agent 388

Real Estate Agent Real Estate Lending Design 388

Housing Wire

DECEMBER 8, 2023

Topics include: Real estate license law, agency, contracts, real property, ownership, taxes, water law, land development and zoning, deeds and title transfer, escrow and settlement, fair housing, leases & more AZ Contract Writing Course: 6 hrs of required instruction.

Real Estate 426

Real Estate Contracts Law Real Estate Agent 426

Assurance Financial

NOVEMBER 9, 2021

In some cases, you may have to take out several loans or pay for something called private mortgage insurance (PMI). Read on to learn more about how private mortgage insurance can allow you to purchase a home, even if you don’t have enough resources to make a standard down payment. What Is Mortgage Insurance on a Home Loan?

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Insurance Mortgage Home Value Finance 41

Housing Wire

MARCH 15, 2024

So why aren’t more commercial real estate (CRE) entities – investors , principals, banks, law firms or developers – seeking the same? CRE assets are subject to a myriad of regulatory requirements, zoning laws, and environmental considerations that don’t apply to home sales, requiring thorough due diligence and compliance measures.

Brokerage 448

Brokerage Real Estate Investors Development 448

Appraisal Buzz

SEPTEMBER 20, 2024

While the content is primarily designed for agents and brokers, the certification and classes are open to all conference attendees through purchasing the appropriate add-on. Each year, the Five Star Conference brings attendees multiple days of networking, education, programming, and entertainment, and this year’s event will be no exception.

Real Estate 326

Real Estate Agents Investors Technology 326

Housing Wire

FEBRUARY 15, 2022

Securities and Exchange Commission uncovered a total of 487 instances over the past six years in which the nation’s SEC-registered credit-rating agencies were deemed by agency staff to be in non-compliance with federal securities laws or related SEC rules, a recent SEC staff report reveals.

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Law Mortgage Marketing Design 368

Zillow

NOVEMBER 24, 2016

By Barry Bridges The term “mother-in-law apartment” seems straight out of the Don Draper era - a sardonic reference to strained relations between married couples and parents. ADUs are also referred to as mother-in-law suites or guesthouses. The potential benefits of a mother-in-law apartment are clear.

Law 36

Law Insurance Landlords Tenants 36

Housing Wire

OCTOBER 12, 2022

A record number of title insurance professionals gathered on Coronado Island, just a few miles from downtown San Diego, at the Hotel del Coronado for the American Land Title Association ’s annual ALTA One conference on Wednesday. We are better and stronger as a group,” McBride said.

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Real Estate Real Estate Agent Agents Law 416