Insights Archive - Page 11 of 15 - Polunsky Beitel Green

Client Memo – Refresher on the Requirements for a Texas 50(f)(2) Rate/Term Refinance of an Existing Home Equity Loan

Refinances now make up over 60% of the loan applications according to the latest MBA Weekly Survey. As refinances fill lenders’ pipelines, we thought it would ... Read More

Client Memos

Client Memo – Update Fannie Mae and Freddie Mac Delays Implementation of New Adverse Market Refinance Fee

Last week we informed you of a new directive from Fannie Mae and Freddie Mac (collectively the “GSEs”) to charge an adverse market fee on refinance loans ... Read More

Client Memos

Client Memo – Fannie Mae and Freddie Mac Announce New Adverse Market Refinance Fee

On Wednesday, August 12, the Federal Housing Finance Agency (“FHFA”) announced that Fannie Mae and Freddie Mac (collectively the “GSEs”) will impose a ... Read More

Client Memos

Refinance Transactions – Fannie Mae v. Texas Law

In Texas, the term “cash out” is commonly used to describe a home equity loan originated under Section 50(a)(6), Article XVI of the Texas Constitution. However, ... Read More

Client Memos

Client Memo – Regulatory Resources concerning Covid-19

State regulators have shifted to remote operations just like many financial service companies. This adjustment includes significant expansion of offsite ... Read More

Client Memos

Client Memo – The United States Supreme Court Holds that the President May Remove CFPB Director at Will

Today, the U.S. Supreme Court held that the President has the authority to remove the Director of the Consumer Financial Protection Bureau at will, but that the ... Read More

Client Memos

Client Memo – Community Property and Homestead Rights in Texas. When Does a Non-Titled Spouse Need to Sign the Security Instrument?

Texas recognizes both community property rights and homestead rights in real property. When title to real property is held in the name of only one spouse, ... Read More

Client Memos

Client Memo – EXTENSION OF Temporary Authorization of Remote Ink-Signed Notarization (RIN) for Texas Real Estate Closings

We want to inform you that the order of the Governor, which temporarily suspended the requirements of Texas Civil Practice and Remedies Code Section ... Read More

Client Memos

Client Memo – Equitable Subrogation A Home Equity Lender’s Salvation

Equitable subrogation is an important legal principal under Texas law that allows a lender whose loan proceeds are used to pay off an existing lien to claim the ... Read More

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