Time to SLOW DOWN!

A few signs from the universe this week that I need to slow down. (1) Doctor said my cortisol levels are through the roof (stress hormone) (2) 94 year old roommate/Grandma says she never sees me sit down, 3) Read a chapter in the book 'The Carpenter' about fear, and how that drives our overachieving,  stress, etc. BINGO! Bottom line , I'm working on all of it. Yoga, reading, relaxing here I come ....but I could not refrain from setting my phone timer for 30 minutes while reading this morning so I didn't go too long. You know, stuff to do.

TRID TRIVIA- True or False

•  The seller can sign their documents in the 3 day waiting period after the CD Is delivered. TRUE!  Just check with the lender though. Not all may feel that way. Legacy says its ok!

• Title has to give the agents both sides of the fees (buyer and seller). FALSE. There is a lot of gray area here. Title companies have a fiduciary responsibility, but also privacy policy concerns. There is an ALTA  form that is a combined fee document.  http://www.alta.org/cfpb/documents.cfm  But not all title companies agree on releasing to the agents. Be sure to ask your title company if you can see the ALTA form before closing.

ps. Send us your next buyer! We are closing CONV/FHA loan in less than 30 days still! AND with lots of communication and accuracy!

Upcoming Events

Lunch & Learn:

The Loan Process - Contract to Close

Wednesday, December 16th

@ 12:00pm

At our office

*Lunch Included!*

RSVP to Annette:

713-579-3606

Annette.ernstein@legacymutual.com