Most Popular Lending Content
Does RESPA Apply
08/16/2004
Does RESPA apply if the grantor of a dwelling is not a borrower on the note?
Carrying Escrows Forward
08/16/2004
We have several real estate loans that we are refinancing. The existing loans have escrows. The new loans will have escrows as well. What kind of a procedure do we need to go through to transfer the escrow balances to the new loan: Do we need to do a short year escrow analysis on the old loan and an initial escrow disclosure on the new loan?
Stretching Your Loan Goals -- Vision Marketing Services
08/16/2004
As we put together our 2005 budget, how can we increase our revenue forecasts for mortgages and consumer lending in an environment with rising rates?
Waiving the Right of Rescission
08/16/2004
Is it required to have a 3 day right of rescission on all refinances if the customer does not want to wait the 3 days? Can the customer request and get a waiver?
HMDA Refi vs. Modification
08/16/2004
For HMDA, what is the delineation between a modified loan and a refinanced loan? Say a loan's terms are changed (went from interest only to an amortizing basis) but the loan number remains the same. Is this dependent on the same test for Reg. Z, a replacement of the loan document?