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June Housing Report: Home Sales for Year Growing from Last Year

July 10th, 2015|0 Comments

WEST YARMOUTH, MA—(July 10, 2015) According to preliminary data released today by the Cape Cod & Islands Association of REALTORS® (CCIAOR), 590 homes sold in June, 459 single-family homes and […]

CCIAOR & CCIMLS Proposed Bylaw Changes

The CCIAOR & the CCIMLS Board of Directors have called a special membership meeting on Wednesday, September 2nd at 9 a.m. to vote on proposed bylaw changes.

Online voting will open on Wednesday, August 26th – 1 week prior to the membership meeting. Pursant to the bylaws, an informational meeting was held July 29th to discuss the bylaw changes.

Closings are Changing: New rules and documents are coming

Closings are changing. Going away are the Good Faith Estimate and the HUD-1 and they are being replaced with new documents and new timelines lenders must abide by. Any new mortgage application will use new CFPB disclosure forms and timelines. While scheduled to be implemented August 1st, there is a current proposal to delay implementation until October 1st by the CFPB, but it must undergo public comment before becoming official.
  • The Closing Disclosure replaces the HUD-1. The lender must provide the Closing Disclsosure to the buyer at least 3 business days prior to a closing
  • The Loan Estimate replaces the Good Faith Estimate. The lender must send the Loan Estimate within three business days after receiving application from a consumer and the final Loan Estimate must be issued at least 7 business days prior to the closing
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