Title Hub RESPA
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The document provides an overview of new regulations for real estate closings under RESPA that take effect in 2010, including a new Good Faith Estimate (GFE) and HUD-1 Settlement Statement. Key changes include bundling origination fees on the GFE, increased tolerances for estimated closing costs, and requiring lenders to provide more details to settlement agents to complete the HUD-1. The document also discusses resources for understanding the new rules and how TitleHub can help real estate professionals with electronic closings and legal/marketing advice.
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CLOSING DISCLOSURE PAGE 1 OF 5 • LOAN ID # 0000000000
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Estimated Escrow
Amount can increase over time
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3) The pre-foreclosure process involves communicating with lenders, preparing documentation packages, and meeting lender timeframes, which can take 90-120 days to get approval. There may be tax implications for the forgiven debt.
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"Chenoa Fund is an affordable housing program provided through CBC Mortgage Agency (CBCMA), a uniquely created and organized government institution. CBCMA specializes in providing down payment assistance solutions in conjunction with FHA loans, with a focus on providing funding for affordable housing opportunities in communities nationwide.
Through the Chenoa Fund, borrowers that meet our credit score and DTI requirements (see our program guidelines, and who can otherwise qualify for an FHA loan, can receive a first mortgage and a second mortgage or grant to cover their 3.5% minimum investment requirement. "
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Title Hub RESPA
- 1. The Next Generation of Real Estate Closings
- 2. RESPA REFORM A Realtor's Guide to Understanding the Revised GFE & HUD-1
- 3. RESPA: IN THE NEWS
- 5. NEW GFE
- 8. “Other Settlement Services” = 3rd Party ChargesTotal Estimated Settlement Charges [A+B] can be found on bottom of both PAGE 1 & PAGE 2 of the new GFE.
- 10. The origination charge (Line 1) consists of all Lender Administration Fees.
- 13. Some can, but only within 10%
- 14. Some are free to change0% Tolerance 10% Tolerance No Set Tolerance
- 16. A loan with lower closing costs
- 17. A loan w/ higher closing costs (but a lower rate)GFE Pg. 3
- 18. Shopping Chart Easy comparison shopping for Buyer, between loans and lenders. The Borrower fills out the Shopping Chart to compare different loans and/or lenders. GFE - PAGE 3
- 20. Lender cannot charge Borrower for preparation of the GFE; Lender can only charge for Credit Report.
- 23. Misquote a 3rd party charge
- 29. Owner’s Title Insurance HUD: “If a title claim occurs, it can be financially devastating to an owner who is uninsured”. “If you want to protect yourself from claims by others against your new home, you will need an owner’s policy”. * Shopping for Your Home Loan HUD's Settlement Cost Booklet. Pg. 20
- 37. CONNECT TO REAL ESTATE CLOSING SUCCESS LEGAL & MARKETING:We can help you learn to grow and change your business.
- 39. and 96% of them are on a social network.
- 40. There are over 200,000,000 blogs…
- 42. Active Rain. Established platform for Realtors. Good SEO.Get a unique URL like www.newtonmahomes.com, instead of using Wordpress URL. Make your blog a stand alone entity. Better for SEO. Do link your blog to your website. Header Art: If Do It Yourself, invest in some nice looking header art, or hire a blog designer. Better looking, better designed blogs attract more readers and traffic. Have an About Me and Contact pages. Key for business generation. Do guest blog posts for your favorite lender, home inspector, attorney, mover, etc.
- 43. Creating a Killer Realtor Blog Must-Have “Widgets” and “Plug-ins” Optimize your blog! RSS (Really Simple Syndication) Feed. A must! Google Feedburner is a good choice. Share Button. Email Subscription. Google Feedburner offers free service. Can track subscribers, and capture their email addresses. Twitter and Facebook integration. Stats: Set up Wordpress Statistics or Google Analytics
- 45. Organize posts with headers and bullet points.
- 50. Mail Chimp
- 53. Increase your bottom line
- 54. Provide value to your customers
Editor's Notes
- HUD is educating consumers on how changes in the interest rate can effect monthly mortgage payments and settlement costs.
- Application Inaccuracies=credit worthiness, amount of loan, estimated value of the property…Unforeseen Title Curative Requirements (boundary disputes, need for flood insurance, environmental problems…)