Skip Ribbon Commands
Skip to main content

Articles and Videos

Types of Property Ownership

Title vesting may vary from transaction to transaction, because borrowers may wish to hold property in a certain way to achieve specific estate planning or wealth management goals. Property ownership terminology can be complicated and nuanced. Learn more about five commonly seen types of property ownership, including Joint Tenancy, Tenancy in Common, Tenancy by the Entirety, Life Estate, and Separate Property in this brief memo.

Property Ownership


Understanding Temporary Buydowns in Mortgage Financing

Learn all about temporary buydowns, a popular financing method offered by lenders to lower the interest rate of a loan for a specific period. This article explains how temporary buydowns work, including the buydown deposit, buydown escrow account, and buydown subsidy payment. Additionally, it covers the benefits of buydowns for mortgage lenders, borrowers and sellers and outlines the different types of buydowns available. It also explores relevant rules and regulations governing buydowns and includes an extensive frequently asked questions section.



Change of Circumstances and Revised Disclosures FAQs

Even though TRID has been around for almost a decade, the rules and requirements surrounding changed circumstances and revised disclosures still puzzle many lenders. These FAQs contain answers to questions we receive frequently from our lender clients related to change of circumstance definitions and timing requirements. We also created a helpful chart outlining which specific situations necessitate a change of circumstance and revised disclosure, as well as the supporting TRID citations found in Regulation Z.



Integrated Mortgage Disclosure Presentations

Integrated Mortgage Disclosure Overview: Presentation #1




Loan Estimate: Presentation #2


Closing Disclosure: Presentation #3