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  • Cogntive Options Group, LLC
    Miami Lender Settles False Documents Charges- Whistleblowers Receiving $608,000
    The U.S. Department of Justice announced today that, Miami-based lender Hencorp Becstone Capital L.C. has agreed to pay $3.8 million to settle allegations that it made false statements and claims to obtain loan guarantees from the Export-Import...
  • Condo 1
    Important considerations when buying a condominium unit part one
    Some of my earlier pieces discussed my experiences with Dave Ramsey’s Financial Peace University. Recently at the Alfred Street Baptist Church our class went over module number nine which dealt with real estate and mortgages. In the module,...
  • How to use a Purchase CEMA to avoid or reduce taxes
    How to use a Purchase CEMA to avoid or reduce taxes
    When purchasing a property in New York City (or anywhere, for that matter), buyers need to account for more than just the purchase price of their new home. On both the purchase and sale side, taxes, mortgage fees, and other closing costs can add...
  • The value of putting life into your mortgage insurance
    Mortgage life insurance vs your personally owned policy
    If you’re arranging a new mortgage or moving an existing one to a new lending institution, you will probably be offered mortgage insurance as part of the package. Protecting what is likely the largest investment you will ever make is always...
  • Though fewer Americans now underwater on mortgages, refinancing can help many
    Though fewer Americans now underwater on mortgages, refinancing can help many
    The residential marketplace has improved greatly since 2012, according to analysts at Zillow, an online real estate database. That bodes well for many homeowners who are benefitting from rising home values and are not in a "negative equity...
  • year-end review
    2014 Significant Mortgage Reform Recap
    This past year has witnessed many mortgage reforms, several of which have been very significant for mortgage brokers. To ensure that your operation is complying with strict regulations, your business should be transacting business with these...
  • As 2015 approaches, countless first time potential home buyers are weighing their financial options.
    Will getting a mortgage be easier in 2015?
    Will getting a mortgage be easier in 2015? It's a question many prospective home buyers are asking in the final weeks of 2014.With many Americans still recovering from the devastating recession of 2008, only now are some ready to pursue home...
  • Homeowners age 62 or older now have a new reverse mortgage option with HomeSafe
    Homeowners over 62 have a new, innovative reverse mortgage option with HomeSafe
    Taking a reverse mortgage on your home can be a scary option for baby boomers, but it does guarantee you can stay in your home. And now, according to Reverse Mortgage Space, a leading and knowledgeable reverse mortgage website, homeowners over 62...
  • fair lending compliance
    Federal Credit Union: Fair Lending Compliance Best Practices
    Fair access to credit depends upon fair lending laws. In order to remain compliant, federal credit unions must adhere to these lending laws without fail. In order to meet compliance standards, adopting best practices is essential for federal...
  • Mortgage refinance offer: is it saving me money?
    How to know if refinancing your mortgage is a good deal
    Have you ever received one of those letters in the mail that tells you how you can save nearly $250 per month if you refinance your mortgage with their company? No closing costs, low rate—sounds great, right? Well, before you sign the...
  • The Need for Mortgage Quality Control Software in Today's Mortgage
    The Need for Mortgage Quality Control Software in Today's Mortgage
    Many have lamented the complexity of the mortgage industry. Yet today's advanced technology allows for better quality control than ever. Lenders have been grappling with methods to insure that regulations are met and that all criteria is...
  • Saving for your first home
    Saving for your first home
    Every day, you check real estate listings online. On the weekends, you drive through neighbourhoods seeking out For Sale signs. So, it may be safe to say, you’re on the fast track to purchasing your first home. You’re not alone: In...
  • Too much house
    Too much house
    Buying a new home is an important lifestyle choice – you decide where you want to live based on the type of home you want, the neighbourhood, perhaps proximity to schools or parks, and for a host of other personal and family reasons. But...
  • Home, sweet home.
    Slight downtrend noted in Portland Metro, Eugene real estate market
    AMonday RMLS report reflecting a shrinking distressed property inventory for Q2 2014 was just one more indicator of a slightly retracting housing market. While distressed property inventory and sales are down in 2014, so is conventional housing...
  • Credit score headaches: What you need to know
    Credit score headaches: What you need to know
    Your credit score is essential for securing loans, rental properties, and even for many employment opportunities. Credit scores are determined by a how timely you are with your monthly payments, as well as your overall debt to credit ratio....
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