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In Wake Of NAR Settlement, Dual Licensing Carries RESPA, Steering Risks

In Wake Of NAR Settlement, Dual Licensing Carries RESPA, Steering Risks
nationalmortgageprofessional.com - get the latest breaking news, showbiz & celebrity photos, sport news & rumours, viral videos and top stories from nationalmortgageprofessional.com Daily Mail and Mail on Sunday newspapers.

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QC, Correspondent Tools; Webinars and Training; STRATMOR Interview on Referrals

“Affordable” means many things. There are residential lending industry jokes about making a loan on anything with axles or a license plate. (Like “don’t.”) Being “permanently affixed” is usually in the underwriting guidelines, which makes this story about someone having their driveway stolen very interesting. (In this clip a builder explains how the scam works.) There are plenty of trends in the builder world, one of which is “build for rent.” Instead of just having a house here or there, BFR homes are clustered together and form a community, much like an apartment community, and with many of the same amenities, essentially an apartment building as a defined community. This new “asset class” even has its own conference. The category is usually not a good thing for IMBs or small banks or credit unions. (Today’s podcast can be found here, and this week’s is sponsored by the STRATMOR Group, the data-driven mortgage advisory. At STRATMOR, insights and knowledge are applied to guide mortgage clients to make sound strategic decisions and take actions that improve their success. Hear an interview with STRATMOR Group’s Mike Seminari on data behind customer experience and how companies can take steps to improve referrals today.) Broker and Lender Programs and Software Happy New Year from TENA Companies, Inc.! Do you have a plan set for your Mortgage Origination Quality Control and Servicing Quality Control in 2024? The market continues to evolve, influenced by moving interest rates, changing regulations, and tech advances. There is no better time to strengthen your organization’s QC program. Ongoing regulatory developments from the CFPB, Fannie Mae, Freddie Mac, FHA and others underscore the need for a robust Quality Control framework that is able to react quickly to change. Don’t delay in formulating your Quality Control plan for 2024! Connect with TENA today to implement a strategy that addresses the nuances of today’s mortgage landscape. TENA’s highly-skilled and experienced auditors undergo continuous training to ensure they are well-versed in the latest industry and regulatory changes. TENA Companies, Inc. is here to help guide your firm’s QC program to success in 2024!

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Real Estate Portal Opportunity; Events and Training; First American Back on Track? JPMorgan's Profits

Our Federal Reserve doesn’t control events around the world, like a ship being stuck in the Suez Canal, or the current Red Sea geopolitical aggression, which can impact our inflation rate or how much money companies or individuals earn. The world changes. What was it like going to a concert 60 years ago? This will give you an idea. Concerts have become huge moneymakers. Along those lines, but in a different industry, the Financial Times reports that JPMorgan took almost a fifth of total US bank profits in the first nine months of 2023! Too big to fail? For those playing along at home, the ten largest banks, when that concert was filmed, were Bank of America, Chase Manhattan Bank, First National City Bank of New York, Chemical Bank New York Trust Company, Morgan Guaranty Trust Company, Manufacturer’s Hanover Trust Company, Bank of California, Security First National Bank, Banker’s Trust Company, and First National Bank of Chicago. Now the list is JPMorgan Chase, Bank of America, Citi Bank, Wells Fargo, US Bank, Truist, PNC, Goldman Sachs, Capital One, and TD Bank. Whether it is banking or mortgage lending, the landscape is always in flux! Today’s podcast can be found here, and this week’s is sponsored by the STRATMOR Group, the data-driven mortgage advisory. At STRATMOR, insights and knowledge are applied to guide mortgage clients to make sound strategic decisions and take actions that improve their success. I go on the podcast to put a wrap on 2023 and look ahead to 2024 for the mortgage industry.

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Supreme Court could limit enforcement powers of U.S. banking agencies

Supreme Court could limit enforcement powers of U.S. banking agencies
americanbanker.com - get the latest breaking news, showbiz & celebrity photos, sport news & rumours, viral videos and top stories from americanbanker.com Daily Mail and Mail on Sunday newspapers.

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Dual-employment can result in legal problems, attorneys say

Revised guidelines permit playing two roles in an FHA transaction, but if its not properly set up, this arrangement can violate RESPA Section 8 legal experts say.

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Lenders can be cautiously creative regarding LO comp

Just because regulators have not initiated any enforcement actions since 2014 doesn't mean they aren't watching.

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Emails uncovered in Trident redlining probe show troubling proof of intent

The Consumer Financial Protection Bureau's recent offensive against redlining by nonbank mortgage originators are increasingly relying on internal communications to make charges stick.

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Emails uncovered in Trident redlining probe show proof of intent

The Consumer Financial Protection Bureau's recent offensive against redlining by nonbank mortgage originators is increasingly relying on internal communications to make charges stick.

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Fannie Mae to accept lender-funded down payment assistance

Fannie Mae will now buy mortgage loans with lender-funded grants, including down payment assistance, closing costs or financial reserves.

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HW+ Member Spotlight: Daniella Casseres

Daniella Casseres, a partner at Mitchell Sandler, shares the one thing she would change when it comes to housing regulation. As a preview, it applies to loan compensation.

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