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Barnstable County on Pace for Sustainable Sales Increase

June 19th, 2015|0 Comments

According to preliminary data released today by the Cape Cod & Islands Association of REALTORS® (CCIAOR), 472 homes sold in May, 379 single family homes and 93 condominiums. Median sales […]

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Fyler named REALTOR® of the Year; Helms honored for distinguished service

June 19th, 2015|0 Comments

The Cape Cod & Islands Association of REALTORS® (CCIAOR) held their First Annual Soiree & Awards Night Thursday, June 18th at the Lighthouse Inn in West Dennis, recognizing members for […]

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Results and Takeaways from the recent CCIMLS member survey

June 3rd, 2015|0 Comments

We wanted to take an opportunity to report back to you on what we heard from the members on the electronic survey that over 25% of you took the time […]

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