Legal Briefs

What Do You Need to Know About the New Mortgage Disclosure Forms?

The new “Know Before You Owe” or TILA-RESPA Integrated Disclosure Rule (TRID) from the Consumer Financial Protection Bureau began in Oct. 2015. The new
The new “Know Before You Owe” or TILA-RESPA Integrated Disclosure Rule (TRID) from the Consumer Financial Protection Bureau began in Oct. 2015. The new rule has created new mortgage disclosure forms and has change the way real estate transaction are processed and closed.

What Do You Need to Know About the New Mortgage Disclosure Forms?

The new “Know Before You Owe” or TILA-RESPA Integrated Disclosure Rule (TRID) from the Consumer Financial Protection Bureau began in Oct. 2015. The new
The new “Know Before You Owe” or TILA-RESPA Integrated Disclosure Rule (TRID) from the Consumer Financial Protection Bureau began in Oct. 2015. The new rule has created new mortgage disclosure forms and has change the way real estate transaction are processed and closed.

How is Real Estate Market Looking in Our Area?

If you live in Hall County you see new homes being constructed or maybe you have new neighbors moving into existing homes. All are
If you live in Hall County you see new homes being constructed or maybe you have new neighbors moving into existing homes. All are positive signs for the real estate market but what are the professionals witnessing.

How is Real Estate Market Looking in Our Area?

If you live in Hall County you see new homes being constructed or maybe you have new neighbors moving into existing homes. All are
If you live in Hall County you see new homes being constructed or maybe you have new neighbors moving into existing homes. All are positive signs for the real estate market but what are the professionals witnessing.

What Do You Need to Apply for a Home Loan?

So you’ve found the house you have been looking for. It fits your needs and budget and now it’s time to apply for a
So you’ve found the house you have been looking for. It fits your needs and budget and now it’s time to apply for a loan. Getting a loan is a little easier than a few years ago but it can still be a challenge for some.

Deciding Whether to Refinance or Not

On a previous Legal Briefs segment, we discussed what steps you need to take to qualify for a refinancing your mortgage. Today we want
On a previous Legal Briefs segment, we discussed what steps you need to take to qualify for a refinancing your mortgage. Today we want to continue the discussion on refinancing by talking about the advantages refinancing and things to consider when making that decision.

Fraud Committed by Potential Homebuyers

Previously, we’ve discussed mortgage scams targeted toward homeowners facing for foreclosure or behind on their mortgage payments. There is another side of mortgage fraud
Previously, we’ve discussed mortgage scams targeted toward homeowners facing for foreclosure or behind on their mortgage payments. There is another side of mortgage fraud and it’s committed by potential home buyers during the application process.

Be Aware of Mortgage Fraud Scams

Mortgage fraud has become prevalent around Georgia and especially in the metro Atlanta area. If you are facing the possibility of losing your home
Mortgage fraud has become prevalent around Georgia and especially in the metro Atlanta area. If you are facing the possibility of losing your home to foreclosure or are behind on your mortgage payment, you could be targeted by scammer.

Consequences of a Reverse Mortgage on Your Heirs

In 2007, the number of reverse mortgages peaked at approximately 115,000. By 2012, the number fell to 51,000. At the same time, the rate
In 2007, the number of reverse mortgages peaked at approximately 115,000. By 2012, the number fell to 51,000. At the same time, the rate of default on reverse mortgages rose to approximately 9.4 percent of loans in 2012, up from 2 percent a decade earlier.

New Consumer Protection Rules for Mortgages

with the New Year comes new protection for consumers seeking mortgages. On Jan. 10, the Consumer Financial Protection Bureau began requiring lenders to make
with the New Year comes new protection for consumers seeking mortgages. On Jan. 10, the Consumer Financial Protection Bureau began requiring lenders to make sure borrowers can afford to repay loans based on their income, debt and credit history.

How Long Do I Have to File a Personal Injury Case in Georgia?

After suffering an accident, clients often feel stressed, overwhelmed, and unsure what to do next. However, it is essential to know your rights so that you do not lose your chance to hold the negligent party responsible for what they did to you. In Georgia, in most…

Bill Would Remove Vital Protections During Home Closings

By Scotty Ball Under the guise of efficiency and cost savings, some lawmakers in Georgia are pushing to let out-of-state notaries conduct real estate closings online. It is a terrible idea that would destroy critical protections for Georgia homebuyers…

Anna Adams Orkins Named to 2022 “Georgia Super Lawyers” List

Super Lawyers has named Stewart, Melvin & Frost partner Anna Adams Orkins as a 2022 Georgia Rising Star. It is the second straight year that Orkins has been named a Rising Star by Super Lawyers. After years of practicing law in the areas of wills, trusts…

How Long Do I Have to File a Personal Injury Case in Georgia?

After suffering an accident, clients often feel stressed, overwhelmed, and unsure what to do next. However, it is essential to know your rights so that you do not lose your chance to hold the negligent party responsible for what they did to you. In Georgia, in most…

Bill Would Remove Vital Protections During Home Closings

By Scotty Ball Under the guise of efficiency and cost savings, some lawmakers in Georgia are pushing to let out-of-state notaries conduct real estate closings online. It is a terrible idea that would destroy critical protections for Georgia homebuyers…

Anna Adams Orkins Named to 2022 “Georgia Super Lawyers” List

Super Lawyers has named Stewart, Melvin & Frost partner Anna Adams Orkins as a 2022 Georgia Rising Star. It is the second straight year that Orkins has been named a Rising Star by Super Lawyers. After years of practicing law in the areas of wills, trusts…

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