New Jersey Mortgage Loans, First Lenders Mortgage, direct mortgage lenders.#Direct #mortgage #lenders


First Lenders Mortgage

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  • Direct mortgage lenders

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    New Jersey Mortgage Rates

    We are the premier source of financing for New Jersey Mortgage Loans. We educate our clients about every option available so they have the power to make informed decisions about what’s right for them. If your looking for New Jersey Mortgage financing then look no further than First Lenders Mortgage of New Jersey!

    NJ FHA

    Our New Jersey FHA mortgage loans allow for purchasing a home with little down and secure fixed rates. Refinance with an FHA loan. No cost refinancing with NO CREDIT SCORE qualifying.

    NJ Jumbo

    We offer Jumbo mortgage Loans for your purchase or refinancing needs up to $10 Million with rates among the lowest in the country. Loans are considered jumbo loans when they exceed $424,100.

    NJ COnforming

    Our New Jersey conforming loans allow for low fixed rate purchase and refinance mortgage loans. NJ loans are loans under $424,100 with full documentation.

    Direct mortgage lenders

    documentation List

    Lending guidelines sure have gotten tougher over the past year. Lenders are requiring more and more documentation than ever before! As a result, we at First Lenders Mortgage thought it would be a good idea to provide an “UPDATED” list of what is required by banks when applying for a mortgage! You most likely DID NOT have to provide some of these the last time you applied for a loan. These are Fannie Mae and Freddie Mac guidelines and apply to all lenders!


  • Cheapest Interest Rate Home Loans Online Mortgage Quotes, mortgage quotes.#Mortgage #quotes


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    We Specialize in low rate lending across the united states. Lowest Interest rates online!

    To begin the process please fill out the form to the right.

    Mortgage quotes

    About Five Star Mortgages

    Mortgage quotes Are you ready to start scouring the market and searching for your dream home? Or, perhaps you are going to have your dream home built so it will have all of the features you have always wanted. Regardless of your situation, finding your dream home is half the battle. After all, once you have found the perfect place to buy, you need to determine how you are going to pay for that beautiful home!

    With the help of FiveStarHomeMortgage which is conveniently located in New Jersey, the process of finding the right lender is made much simpler! Our professionals in our new jersey offices specialize in helping people just like you find the right type of mortgage loan to suit their needs. In addition, our goal is always to find the right program and the right lender to help you save money on your home purchase.

    Mortgage Guide

    With ARM loans, the amount of interest you pay will change according to the prime rate. This means your monthly payment will increase or decrease when the prime rate changes. The fixed interest loans, on the other hand, interest rate on these loans stays the same throughout the lifetime of the loan, which generally lasts anywhere from 15 to 30 years. The interest rate you receive is determined by your credit score as well as other factors taken into consideration at the time of the loan.

    Bailout loans help you avoid foreclosure if you haven’t been able to pay your mortgage for 120 days, you can talk to your agency more about these type of issues. If you are building your home, on the other hand, a construction mortgage will allow you to access portions of your loan throughout the building process so you can keep your contractors paid. Rehab mortgages, on the other hand, are loans that are used to help purchase a “fixer upper” and also provide money to help with making the necessary repairs.

    Mortgage quotes FHA and VA loans help veterans, people with disabilities, and people with low incomes acquire a home with mortgage terms they can afford. You can also save money in the beginning with interest only loans. With these loans, your monthly payment is applied only toward the interest. If you send more money, it is applied toward the principle and helps increase your equity. Rates on these loans are adjustable, which means your monthly payment can increase or decrease throughout the lifetime of the loan. The same is true with low down payment loans. These loans allow you to purchase a home even if you do not have the standard 20% down payment. Lenders will require PMI, which is an additional expense added to your monthly payment, when approving one of these loans.

    If you have your own business, you might want a self-employment loan. These loans are used by people that are self-employed and may have difficulty with proving a steady income. No doc loans are also good for business owners as well as others with special circumstances. These loans require little documentation, which means you do not have to prove your income or the amount of debt you are currently carrying. Rates on these loans tend to be higher than standard mortgage loans.

    If you are purchasing a home that is quite expensive, you might get a jumbo loan. These loans are given to homebuyers that are purchasing homes that are over $417,000. Similarly, if you need to get your hands on some more money, you might choose to refinance or to get an equity loan. These loans are used to access equity built in the home or to refinance the home in order to take advantage of better terms.

    Whether you own a business, have perfect/excellent, good, fair, or poor credit or are looking to fix up a home that is need of repair, FiveStarHomeMortgage can help you find the loan that best suits your needs. Our professionals will work closely with you in order to find the type of loan and the lender that helps you get the loan you need so you can finally purchase the home of your dreams. Contact us today to learn more about how we can help!

    Copyright 2009-2010 Five Star. All Rights Reserved.


    VA Loan Rates: Current VA Mortgage Rates Updated Daily, loan mortgage rates.#Loan #mortgage #rates


    Current VA Loan Rates

    Last updated Tuesday, November 14th, 2017 at 12:45 PM CST

    VA 30 Year Fixed: 3.75%*

    VA 15 Year Fixed: 3.625%

    These VA Mortgage rates are based on an informal survey of our participating VA lenders for the date published. Please read below for more important information about current VA mortgage rates. To get pre-qualified for a VA Home Loan and lock in your VA interest rate, please call or fill out the simple form to the right and a specialist with a participating VA approved lender will assist you. *APR will vary by lender based on lender s specific closing costs

    As a VA Mortgage resource website, we know one of the most commonly searched for items is “what is the VA interest rate.” So why is it so hard to get a straight answer about current VA interest rates. We’re here to give you some answers, and to give you some current VA mortgage rates from actual VA lenders (above).

    VA Mortgage Rates

    VA interest rates are not set by the Department of Veterans Affairs (the VA) but by each VA approved lender individually. There are numerous factors that impact what your specific VA Home Loan interest rate will be, so it’s almost impossible to get an accurate rate from a website advertisement or online quote. Also, VA Mortgage rates are like most interest rates and they fluctuate with the financial markets. So until you are locked in the interest rates can change with the financial markets on short notice, sometimes the same day.

    Finally, you need to be aware of what rate they are actually quoting you. Are you receiving a rate for VA ARM (adjustable rate mortgage) or a 30 year fixed rate? Are you getting a quote for a VA loan at all, or are they quoting you a higher cost loan program that appears to have a lower rate. It’s to your benefit to work with a VA Specialist at a participating VA lender. Someone who knows the VA guidelines and can quote you a real rate based on your individual profile and make sure you are getting the best deal in utilizing your VA benefits.

    To speak with a VA Specialist, please call or fill out the simple form to the right and a VA Specialist with a participating VA lender will assist you.


    How To Compare Mortgage Loans Among Different Lenders? Compare Rates And Costs, compare mortgage loans.#Compare


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    How to Compare Loans Among Different Lenders?

    Points are an up-front fee paid to the lender at closing. Each point equals one percent of the loan amount. Points are charged, or paid, to lower or increase the rate on the loan. Most lenders will allow you to choose amongst a variety of rate and point combinations for the same loan product. Therefore, when comparing rates of different lenders, make sure you compare also the associated points.

    Closing costs typically consist of loan related fees, title and escrow charges, government recording and transfer charges and can add thousands of dollars to the cost of your loan. When comparing lenders it is important to compare loan related fees (i.e. the fees which lenders charge to process, approve and make the mortgage loan), since the other fees are typically independent of the lender.

    Secondly, when comparing loans of different lenders you need to thoroughly investigate and compare all loan features: maximum LTV, mortgage insurance payments (if any), credit and cash reserve requirements, qualifying ratios, etc. Pay special attention to the presence of prepayment penalties and the availability and terms of conversion options (such as rate reduction option, or option to convert an ARM to a fixed-rate mortgage).

    Thirdly, for each loan you are comparing find out the lock-in period, during which the interest rate and points quoted to you will be guaranteed. Lock-ins of 30, 45 and 60 days are common. Some lenders may offer a lock-in for only a short period of time (15 days, for example). Usually, the longer the lock-in period, the higher the price of loan. The lock-in period should be long enough to allow for settlement before lock-in expires.

    Finally, make sure that you are comparing the interest rates on the same day. Rates change daily, if not a couple of times a day.

    So, what is the best way to compare loans among different lenders?

    First of all when you compare different lenders you should compare loan products of the same type (e.g. 30-year fixed). It does not make sense to compare different types of loan programs (e.g. 30-year fixed vs. 15-year fixed, or fixed vs. adjustable).

    To compare loan products of the same type among different lenders:

    1. Fix all lenders at one interest rate and lock-in period.

    You have to compare different lenders on the same rate (e.g. 6.5%) and lock-in period, otherwise you will be comparing apples and oranges.

    Most lenders can offer you a variety of rate and point combinations for the same loan product and allow you to choose the lock-in period.

    2. Add up the total lender fees for that rate including points and loan related fees.

    There are a number of different fees paid in connection with loan, and some lenders have different names for them. One lender might offer to waive one fee and then add another one. So when comparing loans of different lenders you should look at the total sum of ALL loan related fees.

    These fees can include processing and underwriting fee, mortgage insurance premium, appraisal fee, the cost of a credit report, tax service fee, application, commitment, wire transfer fee, etc. Points can include discount and origination points and have to be converted into dollar amounts.

    3. The lender that has lower lender fees has a cheaper loan than the lender with higher fees.

    For a loan amount of 200,000 on a 30 year fixed rate mortgage:

    Lender A is offering you a rate of 6.375% with 0 points, 6.25% with 0.5 points, and 6.125% with 1 points. He also charges $450 in loan related fees.

    Lender B offers you 6.25% on the same loan with 0.375 points, 6.125% with 0.875 points, and 6.000% with 1.375 points and charges $680 in loan related fees.

    Both lenders are quoting rates on a 45 day lock. Which lender has the better deal?


    Current Mortgage Rates Today – View The Best Mortgage Rates, low mortgage rates.#Low #mortgage #rates


    Current Mortgage Rates Today

    Current Mortgage Rates – Mortgage Rates Today

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    Mortgage 101: A Mortgage Resource Guide

    This guide will help first-time home buyers and seasoned veterans get the information they need to make the correct financial decision regarding their mortgage. Our goal is to provide information and resources for everything you need to know about the mortgage process. Whether you are shopping for your first home or you are already established in a existing home, this page can be your guide. Take the necessary steps to make purchasing your first home or maintaining your existing home a seamless [Read More. ]

    Latest Mortgage Information

    Low mortgage rates

    Top 10 Loan Modification Lenders

    Many Americans have been affected by the recent economic crisis. Millions of homes have gone into foreclosure, and millions of families have lost their homes. If you are at risk for losing your home, the good [Read More. ]

    Mortgage Tips Tricks

    Low mortgage rates

    The Top 10 Tips to Help Homebuyers Thrive in Today s Current Home Market

    Low mortgage rates

    Invest Smarter by Understanding the Top 6 Most Common Mortgage Myths

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    Top 5 Mortgage Scams to Watch Out For This Year

    Low mortgage rates

    5 Important Reasons Why You Should Pay Off Your Mortgage Sooner Than Later

    Tip of the Day

    The Mortgage Library

    Low mortgage rates

    How to Tell if Current Mortgage Interest Rates Will Continue to Rise

    Up until not long ago mortgage rates used to be very low, close to the lowest they have ever been. Rates have decreased to near record lows due to the recent housing market crash, which affected both homeowners and mortgage lenders. While millions of people have lost their [Read More. ]

    Low mortgage rates

    Could a 10 Year Mortgage Rate Be Your Best Mortgage Option?

    One of the key aspects of finding a good mortgage loan is determining what type of mortgage term works out best for you. Long-term mortgage loans seem more attractive at first glance because the monthly payment is much smaller, but if you factor in the larger interest rate, [Read More. ]

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    How the Current Government Shutdown is Affecting FHA Mortgages

    The housing market has been recovering steadily lately, but the current government shutdown may interfere with that progress. For the first time in 17 years, the government has partially shut down. Besides other important implications, this shutdown could affect people who [Read More. ]

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    Bad Credit Home Loans Are They Possible With Today s Stiffer Regulations?

    There are many reasons for having a bad credit score, and you might be wondering if you are still able to buy a home, despite your shortcomings. The truth is that there are no rules set in stone when it comes to bad credit home loans. Some lenders may be more lenient than [Read More. ]

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    What is this Difference Between a Home Equity Line of Credit vs Home Equity Loan

    When buying a home with a mortgage loan, both you and your lender own parts of the home. The part of the home that you own is represented by the equity which builds up each time you make a payment. Having equity in your home allows you to take out a house equity loan by [Read More. ]

    Low mortgage rates

    What Are the Typical Home Equity Loan Requirements

    Home equity loans are designed to help homeowners gain quick access to some much needed cash by tapping into the equity in their homes. Home equity loans provide an alternative to taking out other types of loans or opening new credit card accounts. While other forms of [Read More. ]

    Low mortgage rates

    Pros and Cons of Home Equity Loans

    Home equity loans allow homeowners to take out a loan using the equity accumulated in their home as collateral. Home equity loans give you quick access to money that can be used for a home remodeling project, medical bills or college tuition. A home equity loan can be more [Read More. ]

    Low mortgage rates

    Is it Possible to get a Home Equity Loan With Bad Credit?

    Getting a home equity loan with poor credit is more difficult, but not impossible. Before you decide to make improvements to your home or decide that you need some quick cash, you need to find out if a lender is willing to give you a home improvement loan and how your loan [Read More. ]


    Compare Finance Products, compare mortgage loans.#Compare #mortgage #loans


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    USDA Texas Mortgage – Rural Home Loan, 100% financing, First Time Home Buyers USDA Texas


    USDA Texas Mortgage

    Serving all your Texas USDA Loan Needs

    Serving all your Texas USDA Loan Needs

    If you are looking for information on the USDA Home Loan offered through USDA Rural Development you ve landed in the right place. This particular loan program seems to have many names. It is often called the USDA Rural Home Loan or Guaranteed Home Loan. No matter the name it all comes from the same place and has the same requirements. 100% financing is the cornerstone of USDA financing. Other than VA Mortgages which only Veterans can apply for, USDA home mortgage is the only other 100% option out there.

    What is a USDA Mortgage, and what makes this program better than other programs that offer a low down payment? USDA loans are a FIXED-rate mortgages with 30-year fully amortizations, which provides for a stable payment over the life of the loan, thus giving the borrower security. USDA loans DO have a small monthly MI payment which is a rate is .35% compared to.85% for FHA, this is a huge advantage. The new and updated monthly mortgage insurance for the USDA mortgage is less than it once was and the USDA upfront fee of 1% is lower than the previous Upfront Fee of 1.75%. For Refinances, USDA will only allow a current USDA mortgage to be refinanced into a USDA mortgage.

    What is the downside to a USDA mortgage? Nothing financially, but USDA loans are geographically and income restrictive. Typically towns on the outskirts of larger cities and less than 30,000 residents apply. You would be surprised were the areas are. Please click this link Property Elgibility and begin your search. Income limits are liberal and are based on the total projected income for all adults living in the household. This income limit varies between counties. An applicant may have an income up to 115% of the median income for the area. Please click on this link Income Elgibility to find the income limits for your particular area.

    Nations Reliable Lending

    3410 Far West Blvd #280

    Austin, TX 78731

    Nations Reliable Lending

    3410 Far West Blvd #280

    Austin, TX 78731

    Why Contact Us??

    We can get you a quick quote, answer any guideline questions and we will not add your email address to any kind of marketing or email drip campaign. We have access to as many programs as any bank in Texas and have a choice of a wide range of lenders.

    Usdatexasmortgage.com is not a government agency, and is not affiliated with FHA. We are a mortgage lender specializing in FHA loans. We are a mortgage bank that specializes in FHA Mortgages.

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    Today s Mortgage Rates in New Jersey by, mortgage loan rates.#Mortgage #loan #rates


    New Jersey Mortgage Rates and Refinance Rates: HSH Lender Showcase

    Mortgage loan rates

    • More than 150,000 loans closed for Veterans and service members nationwide
    • Specialize in VA Loans to offer a streamlined process
    • Network of 6,000 Veteran-friendly real estate agents with Veterans United Realty

    Mortgage loan rates

    • Get your Free Quote in Minutes!
    • Lenders Compete for your Business
    • Lock in a Low Fixed Rate Before Rates Increase!

    Mortgage Refinance rates in New Jersey

    $1,621 / month (est)

    Mortgage loan rates

    • Quickly apply online now right from your mobile or tablet
    • See if you qualify from the comforts of home
    • We provide VA, FHA, and Conventional loans

    Mortgage loan rates

    $1,669 / month (est)

    Mortgage loan rates

    • Fast, Powerful and Completely Online
    • Get an approval to buy a home or refinance your mortgage in minutes.
    • Save time & avoid paperwork by sharing your financial info instantly.

    $1,748 / month (est)

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    • Refinance to a get a lower payment, cash back or a faster payoff.
    • Rates are still low, but they may rise. Lock your rate today.
    • We have the right loans for first-time and experienced home buyers.

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    • Free mortgage rate quotes
    • Compare rates from up to 5 lenders
    • Select the personalized loan program that suits you best

    Mortgage loan rates

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    • Check your 2017 VA Home Loan Eligibility Here!
    • VA Loans = No Mortgage Insurance
    • Finance 100% of Your Home!
    • Active Duty and Family VA Programs Available

    Mortgage loan rates

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    • $42,000 In VA Housing Benefits That 89% Haven’t Redeemed
    • Don’t Make Another House Payment Until You Take This Survey!
    • Veterans Hit The Jackpot In 2017!
    • Tip To Vets: Get $53,000 Before It’s Too Late

    Mortgage loan rates

    Mortgage loan rates

    The mortgage products on HSH.com are from companies from which QuinStreet may receive compensation. Compensation may impact where products appear on HSH.com (including the order in which they appear). QuinStreet does not include all mortgage companies or all types of products available in the marketplace.

    Specializing in Jumbo Mortgage.

    Mortgage loan rates

    The mortgage products on HSH.com are from companies from which QuinStreet may receive compensation. Compensation may impact where products appear on HSH.com (including the order in which they appear). QuinStreet does not include all mortgage companies or all types of products available in the marketplace.

    • To become one of our featured providers, contact [email protected]
    • To participate in the Lender Showcase, use our secure form

    The Lender Showcase & trade; is an advertising feature presented by HSH & reg; Associates. All information is provided by the lenders and is believed to be accurate and current as of the posted date. HSH Associates assumes no liability for typographical or other errors and/or omissions, or for unauthorized alterations made to any pages.

    New Jersey Mortgages

    Whether mortgage interest rates are low or high, homeowners often want to refinance in order to reorganize their finances. Compare New Jersey mortgage rates from various lenders to see if there is a mortgage program that meets your needs.

    If you want to pay off your loan faster, you may want to look for a 15-year fixed-rate loan or even a 10-year fixed-rate loan. If you would rather lower your monthly payments, check NJ mortgage rates to see if interest rates have dropped. Putting these figures through a mortgage calculator–or asking a qualified lender–will help you determine which home loan suits your needs.

    Compare current NJ mortgage rates and then use resources at HSH.com to narrow down your mortgage choices for a purchase, refinance, or home equity loan.

    New Jersey conventional mortgage

    A conventional loan is traditionally defined as a fixed-rate mortgage with equal monthly payments, a 15-year or 30-year term, and a fixed interest rate established when the mortgage is created.

    For New Jersey, 9 counties have a conventional loan limit at $417,000 and 12 counties at $625,500.


    Home Mortgage Loans & Refinancing, Columbia Bank, refinancing home mortgage.#Refinancing #home #mortgage


    Mortgage and Home Equity Loans

    From mortgage loans to home equity loans, Columbia Bank has all of the pieces necessary to help you live the American Dream of home ownership. Our simple online application makes it easier than ever to apply online for the mortgage or home equity loan you need to finance your dream home.

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    Home Mortgage Loans

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    Looking for a fixed-rate or adjustable-rate mortgage? Maybe a construction/permanent mortgage loan to build your dream house. No matter what your individual requirements are for purchases or refinances, you can count on Columbia Bank for home financing that s right for you.

    • Various fixed-rate and adjustable-rate terms available
    • Interest Rate Lock-In for up to 75 days for purchases or refinances
    • Pre-approval Certificate Program to assist you in shopping for your dream home
    • Owner-occupied 1-4 family dwellings or FNMA/FHLMC approved condominiums located in the State of New Jersey
    • Fixed rate Bi-Weekly payment options for certain terms result in less interest paid over the life of the loan. This option is currently not available online. Please contact a customer service representative at 1-800-522-4167 for details.
    • Save thousands of dollars in closing costs with our $475 Low Fee Home Purchase Program
    • Learn more about our $0 Refinance Program
    • Learn more about our Affordable Home Mortgage Program
    • Apply Online or Check the Status of Your Application!

    Refinancing

    With an easy online application and no expensive fees, Columbia Bank s refinance program will save you money every step of the way. Our program eliminates the most expensive refinancing fees such as the appraisal fee, title fee, and many more allowing you to refinance your single-family home for much less. Contact a Columbia Bank representative or apply online for our incredible refinancing program today.

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    Home Equity Loans Refinancing home mortgage

    Put that hard-earned equity you ve built up in your home to work for the things you want now. Available as a variable-rate line of credit or an installment loan at a fixed rate, home equity loans from Columbia Bank can help you fund home improvements, major purchases, and more. Home Equity Advance is our variable-rate line of credit account that allows you to write yourself a loan during the draw period when unexpected expenses come up. Our Home Equity Consumer Loan will provide you with the exact amount of money you need now.

    • A tool for refinancing your current home loans and/or to access the equity in your home
    • No complicated closing costs
    • Home Equity Advance line of credit available to draw from your equity when you need it
    • Apply Online or Check the Status of Your Application!

    Columbia Bank has never been involved with subprime lending. We pride ourselves in offering an array of products to deliver sound loans under flexible programs to qualified individuals.

    Columbia Bank is registered with the National Mortgage Licensing System and Registry as required by the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (Safe Act).


    Texas Mortgage Bankers Association, mortgage bankers association.#Mortgage #bankers #association


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    Founded in 1917, the Texas Mortgage Bankers Association has provided leadership, legislative advocacy, and education to the real estate finance industry. We promote fair and ethical lending practices among real estate finance professionals through a wide range of programs. As the oldest and largest statewide MBA, our mission is to advance Texas mortgage banking and serve the mutual interests of our members who support Texas’ annual $100-plus billion mortgage market.

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    CFPB Issues Interim Final Rule To Help Mortgage Servicers Communicate With Certain Borrowers At Risk Of Foreclosure: Bureau Also Seeks Comment on Separate Proposed Rule Modifying Timing Requirements for Bankruptcy Periodic Statements. Click here for more information.

    HOPE for Texas Homeowners

    Mortgage companies, HUD-approved non-profit housing counselors, insurance companies and local partners are coming togther to form Mortgage Assistance Cneters to lead families down the road to recovery. Free events scheduled. Click here for more information.

    FOR YOUR INFORMATION: HURRICANE HARVEY RESOURCES

    This email is to inform you that SML s website contains various resources relating to Hurricane Harvey for consumers, state savings banks, mortgage originators, mortgage companies, mortgage bankers, and mortgage servicers. We continue to update the resources as more become available.

    The link to Hurricane Harvey on SML s website is http://www.sml.texas.gov/

    In addition to those resources you may want to review Insurance Code Chapter 557. It imposes specific notice requirements on lenders and servicers handling insurance claim proceeds.

    Are you, or do you know, a homeowner impacted by #HarveyFlood? Click here for a resource.

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    FOR IMMEDIATE RELEASE: CONSUMER FINANCIAL PROTECTION BUREAU FINALIZES UPDATES TO KNOW BEFORE YOU OWE MORTGAGE DISCLOSURE RULE. Changes Will Provide More Clarity, Preserve Protections for Consumers. The Consumer Financial Protection Bureau (CFPB) today finalized updates to its Know Before You Owe mortgage disclosure rule with amendments that are intended to formalize guidance in the rule, and provide greater clarity and certainty. The changes will facilitate implementation of the Know Before You Owe rule by the mortgage industry. The CFPB is also releasing a limited follow-up proposal to address an additional implementation issue. July 7, 2017. More.

    Frequent Exam Findings. From Caroline C. Jones, Commissioner.

    Some of the most frequent exam violations we are finding are those that occur when an entity s Loan Origination System (LOS) is changed, or more commonly, has been updated. This email is to recommend that if you change or update your LOS, a quality control review be done to ensure that an update in one area of the LOS has not negatively impacted another area of the LOS. More.

    CONSUMER FINANCIAL PROTECTION BUREAU ISSUES PROPOSAL TO CLARIFY MORTGAGE DATA RULE. Proposal Would Clarify Requirements and Help Companies Comply.

    Washington, D.C. – The Consumer Financial Protection Bureau (CFPB) today issued a proposal to facilitate compliance with the 2015 updates to the Home Mortgage Disclosure Act (HMDA) rule. The changes proposed today would help financial institutions comply with the 2015 HMDA Final Rule by clarifying the information they are required to collect and report about their mortgage lending. More. Mortgage bankers association