DISCLOSURE

When can an appraisal be ordered? (Members)
What is the law concerning the ordering of appraisals? Do 3 days have to pass from the disclosure date? I just got a new FHA file and the borrowers messed around for a week before picking me
http://forum.brokeroutpost.com/loans/forum/2/306817.htm (Replies: 3)
Related tags: [do we have to wait 3 days after disclosure?]

Predatory Lending or Scamming the Lender? (Members)
Sounds like some of both. http: www.theintelligencer.net page content.detail id 552674 Predatory-Lending-Practice-Hits-Home--Wheeling-Family-Fights-Back-in-Court.html?nav=515
http://forum.brokeroutpost.com/loans/forum/2/301444.htm (Replies: 0)
Related tags: [high appraisal, lack of disclosure, $3m+ payout]

Preview of GFE post new FED Rule (Members)
Posted this on the other discussion. Thought it was worth it's own post as this is our first official inclination of what they are thinking this will look like. Certainly looks different than it is
http://forum.brokeroutpost.com/loans/forum/2/295359.htm (Replies: 1)
Related tags: [disclosure ysp]

Duluth, GA lender seeks MLOs. Great Opportunity! (Members)
Guys, As many of you know, I was shopping for a lender to join (after 10 years of being a broker). I had offers from the big boys, and I ended up with a small lender called 1st Choice Mortgage based
http://forum.brokeroutpost.com/loans/forum/2/289225.htm (Replies: 1)
Related tags: [no yield disclosure, great programs and rates]

What are the disclosures for FL? (Members)
I am getting back into the business after a 3 year lapse. So much has changed. I am trying to get things in order before I start originating. Does anyone out there know what disclosures are needed fo
http://forum.brokeroutpost.com/loans/forum/2/288228.htm (Replies: 4)
Related tags: [disclosures florida?]

Banker vs Broker...ITS LONG BUT READ PLEASE (Members)
Is there really a point to be a banker? I will admit, I was one of the scared ones that jumped ship from the broker side to banker...but I am kinda regretting it right now. I used to work for Al
http://forum.brokeroutpost.com/loans/forum/2/286432.htm (Replies: 19)
Related tags: [splits, ysp disclosure, banking, was it worth it?]

Eliminate GFE Errors, get GUARANTEED QUOTES today! (Members)
With accurate GFE preparation at the top of originators concerns list, we want you to know that REO Land Services, "your title and closing solution" has the answer to new GFE problems, its MyREO and o
http://forum.brokeroutpost.com/loans/forum/2/285828.htm (Replies: 0)
Related tags: [gfe, title, fee quote, insurance, disclosure, fees]

Glenn Beck/Bill O'Reilly Paid to Promote Gold (Members)
Could you imagine if a mortgage broker pulled the same cr*p that Glenn Back and Bill O'Reilly are pulling about gold. Glenn Beck - "If you’ve been watching for any length of time, and you still hav
http://forum.brokeroutpost.com/loans/forum/2/283154.htm (Replies: 22)
Related tags: [how is this permitted without disclosure]

Mortgage Broker Fee Disclosure (Members)
If you have a seller paying a point on a loan, would you include that on the Mortgage Broker Fee Disclosure or just what the borrower is paying?
http://forum.brokeroutpost.com/loans/forum/2/281648.htm (Replies: 6)
Related tags: [disclosure]

North Carolina Experts help (Members)
Is there any requirement for the seller & agent to disclose that they are one & the same? Realtor & developer? I have a client making a lot purchase & by chance I did a corp sea
http://forum.brokeroutpost.com/loans/forum/2/276912.htm (Replies: 1)
Related tags: [real estate disclosures]

This Just Caused a Funding Delay!!!!! (Members)
I have a purchase loan closing this evening. So after reviewing the the HUD, and other documents and confirming all is accurate I went to order funds. You would think tonights closing would be a breez
http://forum.brokeroutpost.com/loans/forum/2/272837.htm (Replies: 17)
Related tags: [just an fyi over-disclosure is now bad]

Provident Funding, fyi (Members)
I had a loan CTC to close this week and today they added a new condition. They have a revised HVCC form and have asked me to have the borrower sign the new form (instead of their original form that w
http://forum.brokeroutpost.com/loans/forum/2/272818.htm (Replies: 5)
Related tags: [revised hvcc disclosure]

CA Required Broker Disclosures, anyone? (Members)
Any one have an updated check list of disclosures required these days? Thanks in advance.
http://forum.brokeroutpost.com/loans/forum/2/271798.htm (Replies: 1)
Related tags: [california required broker disclosures]

Hera - housing and economic recovery act (Members)
i want to get some of opinions of the new HERA law set in place to begin on july 3oth. i just recieved the time line of the disclousure process. i am just amazed.
http://forum.brokeroutpost.com/loans/forum/2/271795.htm (Replies: 0)
Related tags: [reg z - til - disclosure]

New regs now effective & one delayed (Members)
<font color="red"><font size="5">IDENTITY THEFT "RED FLAGS" POLICY< font id="size5">< font id="red"> RED FLAGS policy requirements has been delayed again. The new effective
http://forum.brokeroutpost.com/loans/forum/2/271563.htm (Replies: 0)
Related tags: [disclosures, licensing, regulation z]

Anyone have the link to RESPA disclosure guideline (Members)
Looking for the initial disclosure legislation by HUD dictating what has to be sent to the borrower and when... mainly the GFE and what's required if you haven't locked your loan yet: (IE: the maximum
http://forum.brokeroutpost.com/loans/forum/2/250476.htm (Replies: 2)
Related tags: [florida / initial disclosure rules]

QUICK LEGAL QUESTION (Members)
Here is just a quick question on Non-Disclosure forms: If I have several projects from the same client, can several projects be combined on one form or does each project transaction need to have a se
http://forum.brokeroutpost.com/loans/forum/2/240089.htm (Replies: 4)
Related tags: [non disclosure form, legality]

Calyx Point ARM Disclosure? (Members)
I'm using v5.4 and missing the ARM disclosure. From what I've read, it is available in the current version (6.1) but to add it to a previous version you have to have a Custom Form created. Anyone ha
http://forum.brokeroutpost.com/loans/forum/2/221776.htm (Replies: 5)
Related tags: [point, arm disclosure, missing]

Notice To Home Loan Applicant (Members)
At what point in the loan process must the 'Notice to Home Loan Applicant Credit Score Disclosure' be provided to the borrower? We have always provided it at the time of application along with th
http://forum.brokeroutpost.com/loans/forum/2/221694.htm (Replies: 0)
Related tags: [(credit score disclosure)]

Spin Session!!! (Members)
With all the talk about the new and improved disclosures from our wonderful politicians, lets dedicate a thread to spin. The politician gets votes and acolades from implementing new disclosures, that
http://forum.brokeroutpost.com/loans/forum/2/215045.htm (Replies: 3)
Related tags: [disclosures, gfe, til, hud]

GB MORTGAGE Broker comp discl (Members)
FYI, hot off the press.... Broker Compensation Disclosure Due to numerous state laws and regulations, as well as possible federal regulations including proposed amendments to HOEPA and RESPA,
http://forum.brokeroutpost.com/loans/forum/2/212783.htm (Replies: 13)
Related tags: [fee, comp disclosure]

Broker fee disclosure required by Wells Fargo (Members)
Just got an email that they are requiring a new disclosure on all loans submitted on or after April 1st. Customer needs to sign form at application that specifically states entire broker compensation,
http://forum.brokeroutpost.com/loans/forum/2/210714.htm (Replies: 19)
Related tags: [broker fee disclosure required by wells fargo]

HUD's New RESPA Proposal (Members)
HUD has published for comment its new RESPA proposal including a revised GFE. http: www.hud.gov offices hsg sfh res respa_hm.cfm
http://forum.brokeroutpost.com/loans/forum/2/209190.htm (Replies: 3)
Related tags: [hud gfe respa disclosure]

CA Brokers - Disclosures? (Members)
Hi Folks, Just curious -- which disclosures are you providing to your customers these days? I know we all provide a GFE, TIL, and Borrowers Authorization Signed 1003, but I've noticed that, depe
http://forum.brokeroutpost.com/loans/forum/2/206808.htm (Replies: 5)
Related tags: [which disclosures are you providing?]

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