Topic profile page for GFE.
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Topic "Gfe" was discussed 0 times on 0 sites in last 3 months
Started 21 hours, 15 minutes ago (2010-01-05 17:34:00)
by complygirl
We are working on our first new GFE and have some questions. 1) Bank is escrowing ins. and taxes on this loan. There does not appear to be any place were the monthly amount being paid into escrow (as part of the monthly loan payment) is included on the GFE. Is this correct? The "escrow account information" section only restates the monthly P & I amt. 2) Item #11 (Homeowners Ins.) - on a ...
Started 1 day, 4 hours ago (2010-01-05 10:30:00)
by ANONYMOUS GFE
ANONYMOUS GFE ONTARIO INTRODUCE TO YOU Thursday Jan 7 Incall Airport / Outcall GTA - BRANDY ( Incall Airport ) - Outcall GTA Please call our office to make an appointment! TORONTO GTA 416. 907. 9333 PHONE OPEN AT 10AM www.AnonymousGFE.com Thank you Toronto gfe escorts, Toronto incall outcall, Toronto VIP escorts, Toronto ...
Started 1 day, 22 hours ago (2010-01-04 15:59:00)
by Valley Girl
Since the payments must be disclosed as montly on the GFE and HUD Loan Terms - how are banks handling the customer's request for quarterly payments? Would the GFE and HUD list amounts for monthly payments and then the Note and early and final TILs would list the quarterly payments?
Started 5 days, 16 hours ago (2009-12-31 22:25:00)
by AidanRoberts915
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Started 6 days, 1 hour ago (2009-12-31 13:14:00)
by Alan Lacey, "myfavoritebanker.com"
It isn't a substantive change if your provide a gfe with out the vital info. So if you provide a gfe based on zillow and the credit score is lower my understanding is that it cannot be revised because you shouldn't have done. it. The simple solution would be that Zillow change request a good faith estimate to request a fee summary and we are all good.
Started 6 days, 3 hours ago (2009-12-31 11:43:00)
by ANONYMOUS GFE
ANONYMOUS GFE ONTARIO INTRODUCE TO YOU THURSDAY Incall Airport & Downtown / Outcall GTA - BRANDY ( Incall Airport ) -Outcall GTA - ALLEY ( Incall Downtown ) -Outcall GTA Please call our office to make an appointment! TORONTO GTA 416. 907. 9333 www.AnonymousGFE.com Thank you Please take note we are open dec 31 & ...
Started 1 week, 1 day ago (2009-12-29 13:35:00)
by Robert Benham, "Down to 580 Lender"
I was looking for a thread on this but could not find it. If there is one, please point me in right direction. I was wondering what all of you might be doing different as a sales plan. Over the past few years rates have so reliably gone up and down, you could simply doc out a loan for a customer on the upswing, and lock them in on the down swing. I'm not talking about making more money. I'm ...
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Started 1 week ago (2009-12-30 12:42:52)
by todd cook
What does state law say regarding transfer taxes? Who is responsible (has to pay) the mortgage tax and the doc stamps on the deed? We operate with the understanding that the buyer pays for the mortgage tax and the seller pays for the doc stamps for the deed.
Started 3 days, 3 hours ago (2010-01-03 11:22:00)
by ANONYMOUS GFE
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Started 6 days, 22 hours ago (2009-12-30 16:33:00)
by Ed Slayton, "Ed Slayton"
Also please remember that as of 01/01/10 a GFE will most likely only be provided after you have a signed loan application and a contract. My total fees between front and back is normally 1.8% I discount my origination fee to reduce cash to close, which is normally one of the issues with my clients. I also offer to show my clients my rate sheet and teach them how to use it.
Started 6 days, 16 hours ago (2009-12-30 22:03:00)
by Lori@HourGlass
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Started 5 days, 1 hour ago (2010-01-01 13:14:00)
by Gregorio Denny, "Gregorio Denny"
I've also decided that I won't be sending out GFE's without a full application. It's just too risky with the new regulations. While it's true that with a change of circumstance it can be revised, it's also true that the investor has to be the one to do so and none of mine want that kind of extra work load or liability. If you send out a GFE on Zillow, you are now committed to that borrower for ...
Started 1 day, 4 hours ago (2010-01-05 10:16:00)
by Jan94
David - the question you answered was referring to a refinance of a purchase. To confirm, on a purchase we would be required to show an estimate for Owner's Title insurance even if the bank did not require it, is that correct? I'm reading through your Q&A from the GFE webinar, Question #85. Just want to be sure I'm not missing something. Thank you.
Started 1 day, 5 hours ago (2010-01-05 08:55:00)
by FlamingoGal
HUD's response: Quote: In the case presented this is a borrower requested change which constitutes a change circumstance. You would issue a revise GFE using the old form since the original inception date of the application and disclosure was in 2009 and you did not originally disclose using the new GFE.
