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Through the Eyes of Christmas

by Tom Lico, President of Capital Title The garland and lights are wrapped around the lampposts lining Main Street.  The shopping malls are decorated as well, and the newspapers are littered with the Christmas sales.  We hav...

Insuring the “Gap”

During a typical real estate transaction, we provide a title policy to the buyer, seller or lender. We also offer closing services to ensure a smooth transfer of ownership. However, some clients may opt to close a transaction without the assistance of a title company/po...

Loans Not Covered by TRID Disclosures

Creditors must continue to use the Good Faith Estimate, Truth-In-Lending Disclosure and the HUD-1 form for reverse mortgages, HELOCs, mobile home or other non-attached dwelling loans and others NOT covered by TRID. Housing assistance loans for low- and moderate-incom...

Loans Covered By TRID Disclosures

TRID rules apply to MOST consumer credit transactions secured by real property. These include mortgages, refinancing, construction-only loans closed-end home-equity loans, and loans secured by vacant land or by 25 or more acres. The rule does NOT apply to Home Equity...

TRID: What Lenders Must Disclose

Federal “disclosure” forms define the information that creditor businesses MUST provide to consumers applying for real estate loans. As of Oct 1, 2015 lenders must provide TWO New “TRID” disclosure forms. for the most common kinds of real estate loans First, ...

Preparing for Internet Showing

Today, your first “showing” will be on the Internet - you're watching this on the Internet, right? Your price, listing description and PHOTOS determine whether someone will visit in person.  Consider professional staging advice or help. Prep for photos and vi...

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