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Joyce Pollison's Latest Stories
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.
USA Patriot Act Disclosure Form and the Freedom Act
Question: We are a lender with a client that is very passionate about NOT signing the Patriot Act Disclosure that is included in our initial closing package.
Pulling Credit Without Written Authorization
Question: At times, our loan officers pull credit without obtaining a written authorization from the consumer? Is this acceptable or do we need written authorization prior to pulling credit?
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.