Client Memos Archives - Polunsky Beitel Green

MortgageLaw Minute: Texas Land Title Association Announces Guaranty Fee Increase

The Texas Land Title Association (“TLTA”) has recently published that: The Texas Title Insurance Guaranty Association (TTIGA) announced that the Guaranty Fee will increase from $2 to $3 starting Oct. 1, 2026. TTIGA gave notice to all Texas ... 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

Client Memos

MortgageLaw Minute – 2024 Updates at the Texas Department of Savings and Mortgage Lending

The Texas Department of Savings and Mortgage Lending held its 12th Annual Mortgage Industry Seminar on November 4, 2024. The Mortgage Industry Seminar was held in conjunction with the TMBA Education Symposium at the Hilton Dallas – Lincoln Centre. ... Read More

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