Insights Archive - Page 12 of 16 - Polunsky Beitel Green

Texas Home Equity Lending and Prohibited Additional Collateral Part Two – Jan 2022

aTexas Home Equity Lending and Prohibited Additional Collateral Part Two - Jan 2022Texas Home Equity Lending and Prohibited Additional Collateral Part Two - Jan ... Read More

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Client Memos

Client Memo – Good News for a New Year: Update on Proposed Rule Changes – Texas Department of Savings & Mortgage Lending

The required rule review of Chapters 80 and 81 by the Texas Department of Savings & Mortgage Lending concluded Friday December 11th with final adoption by ... Read More

Client Memos

Client Memo – Texas Mortgage License Renewals

Effective September 1, 2020 Texas Department of Savings and Mortgage Lending Director of Mortgage Examination, Tony Florence, also assumed the duties as ... Read More

Client Memos

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

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