Tuesday, January 5, 2010

new GFE - interesting questions out the door....

It's January 5th and already I have had THREE circumstances cross my path that make me wonder.

A GFE shows the TAX SERVICE FEE and FLOOD LIFE OF LOAN FEE in the category designated for consumers to shop for services.  The "provider list" has providers for these two fees.  I know from prior transactions that this lender directs the business to their affiliated companies and hey - just how would a

new GFE - interesting questions out the door....

It's January 5th and already I have had THREE circumstances cross my path that make me wonder.

A GFE shows the TAX SERVICE FEE and FLOOD LIFE OF LOAN FEE in the category designated for consumers to shop for services.  The "provider list" has providers for these two fees.  I know from prior transactions that this lender directs the business to their affiliated companies and hey - just how would a

The Wilkersons take action, pronto!

Read this article:

OWINGS MILLS, Md. -- A local family who refinanced their home said they found out their original mortgage was never paid, and before they could get the problem resolved, the title company that did the leg work went out of business.According to state records, Maple Leaf Title Company had been in business since March 1999. But after August 2009, the company could not legally

The Wilkersons take action, pronto!

Read this article:

OWINGS MILLS, Md. -- A local family who refinanced their home said they found out their original mortgage was never paid, and before they could get the problem resolved, the title company that did the leg work went out of business.According to state records, Maple Leaf Title Company had been in business since March 1999. But after August 2009, the company could not legally

Wednesday, December 30, 2009

so, what is RESPRO up to? identifies responsibilities?

 hmmmm......


RESPRO's Model GFE Cost Indemnification Agreement identifies the responsibilities of both the loan originator and the third-party settlement service provider if the final cost of a settlement service subject to HUD's new 10% tolerance requirement exceeds the new limit.   Read more here.

so, what is RESPRO up to? identifies responsibilities?

 hmmmm......


RESPRO's Model GFE Cost Indemnification Agreement identifies the responsibilities of both the loan originator and the third-party settlement service provider if the final cost of a settlement service subject to HUD's new 10% tolerance requirement exceeds the new limit.   Read more here.

Friday, December 18, 2009

new RESPA GFE/HUD tip

If you see an OLD GFE, you will see an OLD HUD.

If you see a NEW GFE, you will see a NEW HUD.

Some lenders, namely Wells Fargo, are already using the new GFE.  We choose our HUD on a case by case basis depending on the type of GFE used.

The NEW GFE will be mandatory for RESPA covered transactions on January 1st.



We'll still be using the old style HUD for cash transactions and other