Client Memos Archives - Polunsky Beitel Green

Will the 90th Texas Legislature be Déjà Vu for Mortgage Industry?

90th Texas Legislature | Issue 1 With a legislative session that lasts only 140 days every other year, time is always of the essence. One key indicator of legislative priorities, and an early clue to leadership’s agendas is the release of their ... Read More

Client Memos

Practical AI in the Closing Process: Prasad Kodibagkar Published in National Mortgage Professional

Prasad Kodibagkar, Chief Technology Officer at Polunsky Beitel Green, authored an article in National Mortgage Professional on where AI can genuinely help in the mortgage closing process and where it needs guardrails. Kodibagkar ... Read More

Client Memos

MortgageLaw Minute: The Attorney-Review Requirement and Other Key Considerations for Texas HELOCs

Lately we have seen a growing number of lenders interested in offering home equity lines of credit (“HELOCs”) in Texas—some looking to expand existing HELOC programs into the state, others seeking to build a Texas-specific product from the ... Read More

Client Memos

MortgageLaw Minute: NMLS Overhauls MU2 and MU4 Individual Disclosure Questions

On April 18, 2026, the Nationwide Multistate Licensing System (NMLS) will launch yet another significant milestone in its six-year Modernization Development Roadmap. The Individual Disclosure Questions appearing on MU2 (control persons) and MU4 (MLO) ... Read More

Client Memos

New Federal District Court Rulings on FinCEN Residential Reporting Rule

This is noteworthy because the two Federal District Courts ruled opposite of each other. The first case, rendered February 19, 2026, was in Florida: FIDELITY NATIONAL FINANCIAL, INC., et al., ... Read More

Client Memos

MortgageLaw Minute: 2025 Updates at NMLS and the Texas Department of Savings and Mortgage Lending

Nationwide Multistate Licensing System Updates Next Phase in the Modernization Development Roadmap: On September 20, 2025, the Nationwide Multistate Licensing System (NMLS) launched Phase Two of its six phase, six year Modernization Development ... Read More

Client Memos

New Texas Law Expands Homestead Exemptions for Homeowners

Marty Green Principal marty.green@mortgagelaw.com The Texas legislature has delivered on additional ad valorem tax relief for the citizens of Texas. On June 16, 2025, Governor Greg Abbott signed legislation – Senate Bill 4 and Senate Bill 23 ... Read More

Client Memos

Understanding the Differences Between Title Insurance and Attorney Opinion Letters in Texas

Lately, there's been a buzz around the new Fannie Mae and Freddie Mac selling guidelines that allow an attorney opinion letter (“AOL”) to replace title insurance (a “Loan Policy”), sparking debates over the benefits and coverage of each ... Read More

Client Memos

MortgageLaw Minute: Texas Department of Savings and Mortgage Lending New Rules and Other Changes of Note

December is always a busy month for The Texas Department of Savings and Mortgage Lending (“SML”). Annual license renewals are the biggest matter, and this year comes with some changes. Both SML and NMLS have issued updates on Continuing Education ... Read More

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