Submit the second offer first.
You may have a second drink but not the first
10/13/2017
Second Offer
Submit the second offer first.
You may have a second drink but not the first
10/12/2017
How I chose my realtor
knocked who I never met, and the home phone that I never answer full of agents for listing appointments.
In the end I made two appointments. Both top sales teams in the county. One does more print ads, the other does short "films" of homes. Friends who are Realtor agents were pouty, mad, and some made
mean comments. I didn't use agent who was listing side, as they were not straightforward. I didn't use a from the few Realtors who send me mortgage business because this was vital to my personal life and I wanted to be free to push for what I needed.
In the end I wasn't totally happy with my choice. Agent office double ended deal and sent buyer to their mortgage guy friend who ended up being the biggest liar I ever worked with. JMJ financial sent out approval letter on a file that was never underwritten,. It took 70 days not 30 to close because the Loan Officer continued to lie.. I had two back up buyers who continued to call every day after day 30, I told escrow in writing the deal was cancelled. Nothing about the transaction was easy, because the mortgage broker was searching to find a place to fund the loan while making up stories every day.
In the end the Borrowers signed loan documents (without legal wait period of Closing Disclosure), funded and recorded on Friday without my approval as it was a Friday before a long weekend. I ended up paying for 5 days of interest ( $1409.90 cost) and was pushed out of the houe in a firedrill with no notice. I did not have opportunity to wait for moving van on Monday and hired 4 "guys" and rented trucks to move a 3700 square foot house. A nightmare closing.
Now time has passed. Agent who I like contacts me to make a recommendation on a real estate website. I think I'll wait another year before I post a rating as it won't be 5 stars.
So an insider who has sold and bought more than 60 residential and 19 commercial properties one would think got the best service, cheapest commission and best deal. No.
I paid full commission. I believe the buyer got the best service. I did accomplish my goal of down sizing but it was terrible awful painful when it could have been much better.
Listing agent did not listen to my needs. Seller can't make arrangements to move when buyer's loan was not final loan approved. JMJ financial it appears no longer has this guy but owner Ryan Gale is still there and he did not care one bit.
CFBP
- Congressional oversight of the CFPB?
- Will Cordray quit before they fire him for failing to cooperate with suppoenas
- Financial CHOICE Act affect the CFPB's director?
- What new rights does the ACT grant a party facing a CFPB enforcement action?
- How
would it change what the CFPB must consider in issuing regulations?
- easier for a financial institution or service provider to
obtain compliance advice from the CFPB?
- CFPB's authority to enforce UDAAP laws and
regulations?
What would be the
practical impact of all of these changes on providers of consumer financial
products and services?
Are Major Changes to Consumer Financial Protection Bureau's Enforcement Authority Coming?
On June 8, 2017, the U.S. House of Representatives passed the Financial CHOICE Act, which, if enacted, reins in the Consumer Financial Protection Bureau (CFPB) giving Congress control over its budget and funding.The Act forces the CFPB to bring regulatory actions in a court of law, if asked; and removing the CFPB's authority with respect to enforcement actions involving unfair, deceptive and abusive acts and practices (UDAAP). The CFPB has been the most effective – and aggressive – federal regulatory agency we've seen in years. Its rules of the road have not always been clear, and many in the regulated community believe the agency has gone too far in bringing some enforcement actions. Enactment of the Financial CHOICE Act would significantly change how the CFPB enforces federal consumer financial protection laws, which would give some relief and more regulatory certainty to the regulated community.
Richard Cordray is rumored to be running for Governor of Ohio. He knows his days are numbered. There's a crew of Republicans who want him out, including our President
Democratic spin on Ohio
Washington wants to gut the CFBR
Trash the bureau which fined so many big banks and stodgy bankers.
They collected billions in fines and the money stays with the CFBP
President Donald Trump can’t replace Cordray without firing him for cause, an act that carries its own political risk given the bureau’s popularity with the public
Hensarling and other lawmakers are expected to file a resolution to overturn the rule under the Congressional Review Act
citing Consumer Financial Protection Bureau Richard Cordray for contempt of Congress
10/09/2017
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