TRID, the "TILA-RESPA Integrated Disclosure" reforms mandated by the Consumer Finance Protection Bureau, affects mortgages originated after October 2, 2015. There are numerous differences between "pre-TRID" and "TRID" loans, and lenders/title companies/realtors have spent countless hours preparing for the change.
Whether you are a newly single mom or have been struggling with your credit and finances for awhile, I'm here to guide you to better credit and some peace of mind. Below are my best tips to building your credit score.
There is no room for life when it comes to housing policies. We're above a certain line of income, so we don't qualify for help. We pay rent well over the rent we used to pay before being evicted, but in order to prove that we can have a home again we would have to pay almost triple the amount.
The United States faces a deeply troublesome, maddeningly persistent racial gap in income and wealth -- a gap that is growing, not shrinking. Discrimination in housing remains a consistent driver of racial inequality among people who are homeless.
For individuals with serious mental illness, the time has come for a better deal. Congress must focus on enacting reforms that deliver housing and effective services in our communities rather than behind bars, where we know the results are appalling.
"I represent a couple facing the foreclosure of their home...My clients' loan is currently being calculated as a daily simple interest loan which is c...
In Texas liberty trumps democracy. The Texas Supreme Court itself says so. This year the legislature de-listed student IDs but added a new form of ID that would gladly be accepted: a handgun license.
That's how the Banksters get their claws in your children as soon as they are old enough to vote. The credit card debt they use to get by while paying off their loans also may not be discharged in bankruptcy thanks to Bush's 2005 rule changes.
Today, BuildZoom released the latest figures for the BuildZoom & Urban Economics Lab Index. The numbers show modest but continued growth in new home construction, alongside a complete recovery of existing home remodeling that has slightly slowed down.
We have focused primarily on poverty, housing, and services--all critical to ending homelessness. Now we must broaden the conversation about homelessness to include racism. If we are unable to do this, we will never face ourselves, and we will never solve homelessness.
Where they overlap in meeting the needs of consumers, I could find only one situation where the HELOC might work better than a HECM. In all other situ...
Here we are, back where we started pre-crisis: the government remaining the guarantor of the American housing market because Americans really can't fulfill their goals of home ownership and long-term secure mortgage financing any other way.
A surprising fact about the Dick-Toms was that even though they lived in one poorly ventilated room along with their belongings, all the children attended private schools. It wasn't that they could not afford to move; the kind of home they needed simply did not exist!
For too many LGBT young people, discrimination is one of the main reasons they end up homeless. Sometimes they are even thrown out on the streets by their own families, who will not allow them to live their lives as LGBT.
"If you hit a fork in the road, take it" is one of the late Yogi Berra's greatest lines, and, for me, it really captures the dilemma -- and the opportunity -- facing the Bay Area as we move deeper into the 21st Century.
Public trust in the biggest banks is low. I have 10 specific recommendations to cure the banks of their evil ways. Bankers will not like most of my proposals, but the time has come for radical reform.