If a residential ARM loan does not have a rate change, and therefore, does not have a payment change, is the bank still required to send the ARM notice?
Our bank is a significant supporter of the United Way. In addition to donations made by employees, our bank makes a donation and every year one or more of our employees serve on the board of the local United Way. Do all of these activities earn CD credit?
What is the foreclosure surge?
What guidance regarding the surge has been provided by the federal financial institution regulatory agencies?
We are refinancing several mortgage properties for the same consumer at the same time. Can one credit report be pulled and used for all refinancing loan files? This provides a cost savings as we only charge for the one credit report.