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Joyce Pollison's Latest Stories
Compliance Matters: Obligation to Accept Private Flood Insurance
Question: We are a community bank financing the construction of a mixed-use property consisting of retail/business use on the first floor and four residential units on the second floor.
TRID 2.0: Determining Accuracy of “Total of Payments”
Question: The 2017 amendments (TRID 2.0) to the TILA-RESPA Integrated Disclosure Rule (TRID) include tolerances for the “Total of Payments” calculation on the Closing Disclosure (CD), which mirror the tolera
Obligation to Transfer Appraisal
Question: In a situation where a borrower switched from Lender A to Lender B and an appraisal was previously performed for Lender A, can Lender B accept that appraisal?
Settlement Agent Failing to Observe Three-Day Waiting Period
Question: On a purchase money transaction, the lender issued a Closing Disclosure which set forth a 30-year term, as opposed to the 15-year term the borrower wanted.
Joyce Pollison's Latest Blog Posts
Charging Consumer for Rapid Rescore
Question: We are a lender that has some clients that require their credit score to be rescored via rapid rescore.
Seller Concessions on Final TIL
Question: We are a lender with a question regarding seller concessions at closing and the inclusion of seller paid fees on the final Truth-in-Lending and Itemization of Amount Financed.