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  • Your BAD Sales Calls Are Costing You Money

    Stride Sales Coach: https://go.retipster.com/stridesalescoach/yt-wV0N3rxeWno Stride CRM: https://go.retipster.com/stride/yt-wV0N3rxeWno In this video, I walk you through a game-changing tool we just launched: Stride Sales Coach. If you're a land investor or real estate professional who relies on phone conversations to close deals, this is for you. Instead of guessing how you did on a call, or paying thousands for a sales coach, this software automatically analyzes your recorded calls, […]

  • What type of mortgage fraud is the hardest to prove?

    Listen as former CFPB attorney David Friend, owner of Friend Mortgage Consulting, explains the differences between two distinct types of mortgage fraud that have made headlines recently.

  • You Are Losing Money EVERY DAY

    Stride Sales Coach: https://go.retipster.com/stridesalescoach/yt-RF9H3jZlqa0 Stride CRM: https://go.retipster.com/stride/yt-RF9H3jZlqa0 After every sales call, how do you really know if it went well? In this video, I show you how Stride Sales Coach can instantly review your sales calls, score them out of 10, and show you exactly what to say better next time. Whether you're a solopreneur or leading a full sales team, Stride helps you stop guessing and start improving, with no fluff, no […]

  • Rowland Title Acquisition

    Rowland Title Company, Inc., a Cornerstone of Anderson and Madison County Announces Sale to Meridian Title Company

  • First American launches product to aid review process for home equity loans

    First American launches product to aid review process for home equity loans - The new title data-driven solution designed to accelerate collateral review on home equity loans while helping reduce title risk.

  • Old Republic’s title insurance revenue up year-over-year

    Old Republic’s title insurance revenue up year-over-year - Old Republic International Corp. reported title insurance revenue increased by 8 percent in the third quarter compared with the third quarter of 2024.

  • How will new credit scoring changes impact the real estate finance marketplace?

    How will new credit scoring changes impact the real estate finance marketplace? - A longtime industry analyst had plenty of insight to share about recent changes in FICO’s approach to credit scoring.

  • Is deposit insurance being reformed to benefit billionaires?

    Banking regulators are considering deposit insurance reform to better protect consumers and businesses. Congress is also considering deposit insurance reform through a proposed act titled the Main Street Depositor Protection Act (S.2999). The question is, who will the deposit insurance reforms really benefit? Is this reform focused on consumers and businesses or billionaires? This episode examines an article from the Epoch Times (subscription required) titled “Deposit insurance for […]

  • What Are The Two Types of Mortgage Fraud?

    Mortgage fraud is back in the headlines — but understanding how it really happens requires a closer look. In this episode, attorney and former CFPB Senior Counsel David Friend joins host Mary Schuster to unpack the difference between “fraud for money” and “fraud for housing,” why proving intent is so difficult.

  • Bubble Busters – Debunking the Scariest Housing Headlines

    In this episode of the REconomy Podcast™, Chief Economist Mark Fleming and Deputy Chief Economist Odeta Kushi shine a light on the housing market’s scariest headlines, exposing the myths shrouding reality. They explain why slowing price growth, a modest uptick in delinquencies, and low sales volumes point to a market that’s steadily rebalancing, rather than crashing. Don’t miss a single REconomy episode, subscribe today: https://blog.firstam.com/reconomy-podcast

  • Supporting Work-Life Balance

    Flexible Pay, Flexible Culture: Supporting Work-Life Balance Through Compensation   In today’s workplace, employees are looking for more than just a paycheck. They’re seeking balance, flexibility, and a culture that supports their well-being. One way companies are meeting this need is by rethinking compensation strategies. Flexible pay models are quickly becoming a cornerstone of modern The post Supporting Work-Life Balance appeared first on Corporate Payroll Services.

  • How Much Do Executors Get Paid in Texas?

    The question of how much an executor of an estate is entitled to charge for their services is a common one, especially for individuals who are not named as beneficiaries in a will. In Texas, the compensation for an executor is governed by state law, which sets a maximum amount that is often far less than what people assume. The Statutory 5% Fee: Not What It Seems Texas law, specifically Texas Estates Code Section 352.002, allows an executor to receive a commission for their services. This […]

  • Knight Barry Title hires new branch manager

    Knight Barry Title hires new branch manager - The employee will manage the Lake Geneva and Janesville offices in Wisconsin.

  • The Clearing House’s RTP network processes record number of transactions

    The Clearing House’s RTP network processes record number of transactions - The RTP network set a new single-day record, processing more than 1.8 million transactions valued at $5.2 billion.

  • Redfin: U.S. homes record lowest turnover rate in three decades

    Redfin: U.S. homes record lowest turnover rate in three decades - Twenty-eight out of every 1,000 homes have changed hands in 2025, according to Redfin.

  • What Is Annexation in Real Estate? A Guide for Title & Escrow

    title and escrow What is Annexation in Real Estate? And How Does it Work? Navigating the intricate landscape of real estate transactions, as title and escrow professionals know, can get complicated. Orchestrating property closings with precision and expertise is a must, but every now and then, you are likely to stumble upon a type of […]

  • Guide to HOA Documents for Closing – Title and Escrow

    title and escrow Guide to HOA Documents for Closing - Title and Escrow As an Escrow officer, dealing with HOA documents for closing might seem like a mundane and repetitive task. However, it is crucial to understand the importance of acquiring complete and accurate HOA documentation before closing. Failing to secure such can delay or […]

  • Managing Client Expectations in Interior Design

    In this episode of Conversations with My Real Friends®, Jennifer Felten welcomes Emma DeRoche, Luxury Interior Designer and founder of Emma DeRoche Interior Design, to explore the art of “Managing Client Expectations in Interior Design.” Emma shares how building trust, listening actively, and clearly communicating what’s possible (and what’s not) are essential to a successful design experience. It’s about balancing realistic outcomes, creative vision, and the risks and rewards […]

  • First American marks a decade as one of Fortune’s Best Workplaces for Women

    First American marks a decade as one of Fortune’s Best Workplaces for Women - Great Place To Work and Fortune magazine selected First American as one of the 2025 Fortune Best Workplaces for Women

  • Vanguard Title celebrates first employee’s 20 years of service with firm

    Vanguard Title celebrates first employee’s 20 years of service with firm - This staffer has worked with both commercial and residential clients, providing guidance on transactions of all sizes and complexities.

  • SoftPro chosen as finalist for NC TECH Awards

    SoftPro chosen as finalist for NC TECH Awards - The firm was selected as a finalist in the Culture & People in Tech category for the awards that are being presented by the North Carolina Technology Association.

  • No more bank robbers?

    According to an FBI report, bank robberies in the U.S. have declined from a high of approximately 9,500 in 1992 to less than 1,400 in 2023. Why have bank robberies decreased? This episode reviews are article from Investopedia titled “The death of the bank heist: Where have all the bank robbers gone?” This article presented five theories, 1) not a big enough payout, 2) fewer targets, 3) easier to get caught, 4) tougher prison sentences, and 5) better alternatives. A link to the article is […]

  • Closing Time with Iain Bryant: John Williams of Bluegrass Land Title Pt. 1

    In this episode of closing time, John Williams CEO and Founder of Bluegrass Land Title. As one of the largest agents in the Midwest, John has seen many interesting closings throughout his career. He shares one of the most memorable he handled for a newlywed couple and how he pivoted from his initial dream of a career in hospitality to finally landing in the title insurance industry. Watch part 1 to hear how John went from thinking "title" was something only relating to cars to owning his own […]

  • Smarter Together: Nate Baker on AI, Qualia, and the Future with Old Republic Title

    In this forward-looking episode, host Ann Allard sits down with Nate Baker, CEO and Founder of Qualia, to discuss the transformative power of AI in the real estate and title industries. Nate shares how Qualia is leveraging AI to streamline workflows and improve the closing experience—and how its strategic partnership with Old Republic Title is driving innovation across the industry. Tune in for a behind-the-scenes look at the evolving technology landscape, what’s coming next, and how agents […]

  • Closing Time with Iain Bryant: Amy Gregory of Florida Agency Network Pt. 2

    In the second part of this episode of "Closing Time," Iain Bryan, Group President of Stewart Agency Services, discusses company culture and expansion with Amy Gregory, President of Florida Agency Network. As a fast-growing company, Florida Agency Network has used opportunity and innovation to expand and diversify services for its clients while investing in company culture and its employees. Starting as an office manager at one of Florida Agency Network's, Amy's current role as President […]

  • Can we all just De-stress about Distress in Commercial Real Estate?

    In this episode of the REconomy Podcast™, Deputy Chief Economist Odeta Kushi and Senior Commercial Economist Xander Snyder break down whether the commercial real estate market has reached peak distress, explaining why shifts in debt maturities, delinquency rates and sales activity across asset classes may offer a glimmer of optimism. Don’t miss a single REconomy episode, subscribe today: https://blog.firstam.com/reconomy-podcast

  • ALTA ONE NYC: A Celebration of Excellence and Legacy

    By Mike Trowbridge |  Vice President, Regional Agency Manager ALTA ONE in New York City was more than just another industry conference. For Westcor and our incredible network of title agents, it was a milestone moment—a chance to celebrate success, honor a remarkable legacy, and connect with the people who make our work meaningful. Honoring Mary O’Donnell’s Legacy One of the most memorable highlights of ALTA ONE was the tribute to our CEO and President, Mary […]

  • My Cousin Vinnie is an Expert

    Paul F. AlphenMy cousin Vinnie, the retiring suburban real estate attorney, was on the Cape for a family wedding, so we made a point of getting together at my place after the festivities.  Vinnie had, perhaps, recently completed his final function as a practicing attorney, as an expert witness in a land use case. I took him for a boat ride around Waquoit Bay, to tear him away from my bourbon collection. “Paulie”, Vinnie bellowed, “I was on the stand for the better part of four […]

  • Withholding on Sales of Massachusetts Real Estate (Video)

      Withholding Forms ScenariosWithholding Form - Maine Withholding Form - Rhode Island Withholding Form - Vermont ·       REBA Letter

  • Building Your Brand: How Title Agents Can Shine in a Competitive Market

    In the real estate industry, establishing a distinct and trustworthy brand is essential for title agents who want to stand out. A strong brand identity does more than just make you memorable; it builds credibility with clients and partners, creating a foundation for long-term success. For independent agents, developing a personal brand is a powerful way to communicate your expertise, reliability, and unique value proposition in a crowded marketplace. It's about showcasing what makes your...

  • Webinar – Reading Between the Boundary Lines: What Your Land Survey Really Means – November 6

    Presented by Michael S. McKay, Security Title Guarantee Corporation of Baltimore, Assistant State Manager Reading Between the Boundary Lines: What Your Land Survey Really Means…

  • Cooling National House Prices Mask Regional Differences, According to First American Data & Analytics Monthly Home Price Index Report

    SANTA ANA, Calif., Oct. 16, 2025 – First American Data & Analytics, a leading national provider of property-centric information, risk management and valuation solutions and a division of First American Financial Corporation (NYSE: FAF), today released its September 2025 Home Price Index (HPI) report. The report tracks home price changes less than four weeks behind real time at the national, state and metropolitan (Core-Based Statistical Area) levels and includes metropolitan price tiers […]

  • The Impact of Bonds on Preliminary Injunctions

     Stephen Wiseman What is a preliminary injunction? A preliminary injunction is a tool used by litigants to obtain relief from thecourt prior to the resolution of a case on the merits. They are only appropriate in certain circumstances, where a party may be irreparably harmed if an injunction is not granted while the case is pending. Rule 65 of the Massachusetts Rules of Civil Procedure provides specific requirements governing the issuance of injunctions, including that the party […]

  • Boston’s Co-Purchasing Housing Pilot Program Considerations for Buyers Considering Co-ownership

    Bridget M. Rose Last April, the Boston launched a new Co-Purchasing Housing Pilot Program (“Program”). The Program, which is one of several initiatives adopted inaccordance with Mayor Wu’s Boston’s 2025 housing strategy, is a new loan program intended to improve homeownership opportunities by encouraging co-purchasing to permit multiple households to leverage their combined purchasing power to acquire multifamily properties. Zero-percent interest deferred loans, payable upon […]

  • Holy Moly, Who Will Sign the Deed? An Overview of Real Property Conveyances by Religious Organizations

     Katherine Prifti Ownership of real estate by religious organizations raises unique concerns for conveyancing attorneys. When insuring the title to property owned by a religious organization, it is crucial you determine the various approvals required – not to mention, who should be signing the deed or mortgage. This article will discuss several types of religious organizations and outline who the authorized parties are to convey real property.  In Massachusetts, a religious […]

  • Open Wide: Sue Morgan on What a Bad Dentist Taught Her About Customer Care

    In this eye-opening episode, host Ann Allard chats with Sue Morgan, who shares a not-so-sweet trip to the dentist—and the powerful customer service lessons it revealed. Sue reflects on how that uncomfortable experience translates to the way we treat clients in the title industry. With warmth and wisdom, she breaks down the do's and don'ts of customer care and reminds us why empathy, communication, and consistency matter more than ever.

  • Dead Man Deeds: Haunting Real Estate Scams

    Join Sarah and Matt in this spine-chilling Halloween special where they dive into the eerie world of real estate fraud where even the deceased aren't safe from scammers. From cyber criminals in hoodies to fraudsters trolling obituaries, this episode uncovers the dark and twisted tales of how properties are stolen using the identities of the dead. To stay ahead of fraud risks and cybercrimes in real estate, sign up for the First American CyberSmart Newsletter: […]

  • Why the Housing Market Recovery is Less Reliant on Federal Reserve Rate Cuts than Many Believe

    In this episode of the REconomy Podcast™, Chief Economist Mark Fleming and Deputy Chief Economist Odeta Kushi break down why Federal Reserve rate cuts don’t always translate into lower mortgage rates and how today’s complex economic environment may make the housing market less rate sensitive than many believe. Don’t miss a single REconomy episode, subscribe today: https://blog.firstam.com/reconomy-podcast

  • Why the Housing Market Recovery is Less Reliant on Federal Reserve Rate Cuts than Many Believe

    In this episode of the REconomy Podcast™, Chief Economist Mark Fleming and Deputy Chief Economist Odeta Kushi break down why Federal Reserve rate cuts don’t always translate into lower mortgage rates and how today’s complex economic environment may make the housing market less rate sensitive than many believe. Don’t miss a single REconomy episode, subscribe today: https://blog.firstam.com/reconomy-podcast

  • Public Policy Issues Impacting Trusts & Estates Practitioners (Video)

     

  • Annual Conference 2026 Registration – Early Bird Deadline Ends January 31

    If you have not yet registered for the Annual Conference scheduled for Monday, April 20 and Tuesday, April 21, 2026, at The Jung Hotel in New Orleans,…

  • The ABC’s of HOA’s

     

  • What Does Title Insurance Cost

    The cost of title insurance is based on the purchase price of your home as well as the state the property is located, so it will vary. According to one source*, in California the average homeowner’s title insurance policy cost is about $830 for a $200,000 home purchase. Title defects aren’t common, but when they do occur, the result can be serious. It could even result in the loss of the property!

  • What Does Title Insurance Do

    If a defect is not discovered or is undiscoverable through the title search, and later causes a problem with the title, a title insurance policy helps cover the cost of resolving the issue. Of course, this is a simplified explanation of title insurance – defects in title can be very complicated. For example, a prior owner could have had unpaid property taxes, construction bills, or a previous unpaid mortgage! Any of these problems could result in a lien against the property. A lien is a […]

  • What Transactions Are Reportable Under FinCEN’s 2026 Residential Real Estate Rule?

    🏠 FinCEN Residential Real Estate Reporting: What’s Covered? The clock is ticking toward the implementation date of the FinCEN Residential Real Estate Rule! Doreen Strothman, Underwriting & Claims Counsel for Security Title Guarantee Corporation of Baltimore, breaks down what counts as a covered or reportable transfer under the rule. 👉 You’ll learn: Which property types qualify as residential real estate under the new rule What defines a “non-financed transfer” […]

  • October Research LLC Hosts Two Webinars This Month

    October Research LLC Hosts Two Webinars This Month Q4 Economic Outlook featuring Sam Williamson 2 p.m. ET, Oct. 16th Join us for the next edition of the popular Economic Outlook series featuring First American’s Sam Williamson, where you’ll gain the timely insight needed to close out 2025 with confidence and prepare strategically for 2026. This webinar will break down the latest economic developments, including the recent […]

  • What Are Reasonable Accommodations for Condominium Residents?

    Dawn D. McDonald Problem: The covenants of our association prohibit pets.  An owner who moved in recently is blind and has a seeing-eye dog that she insists sheshould be allowed to keep. When the board cited her for violating the covenants and began fining her, she sued. Solution: This situation is not unusual, but can be problematic for boards, especially if they do not understand what the law requires. The federal and state fair housing laws require housing providers (including […]

  • The Westcor Advantage: Partnering for Future Success

    By Steve Black |  Executive Vice President In the title insurance industry, unfortunately maintaining status quo is often the standard. But at Westcor, we think differently. We believe that to make a real impact, you need more than just an underwriter; you need a partner who is as committed to your success as you are. For independent title agents, the future is about leveraging technology and strategic partnerships to grow. That’s where we come in. Westcor is the insur-tech […]

  • What Leases Say Is Important - What they Don’t Say Can Be Problematic

     Dillon Brown  It has been said so often it is trite but nonetheless true:  An oral contract isn’tworth the paper it’s written on.  Also, true but not said nearly often enough:  A written lease isn’t worth much either if it doesn’t contain the language needed to protect the landlord. Residential Leases What should residential landlords not include in their leases?  Specifically, a newly-enacted Massachusetts law prohibits landlords from charging their broker’s […]

  • Larry Wasson Honored with Lifetime Achievement Award

    Larry A. Wasson, President of North Vernon Abstract Co. Inc., was recently presented with the Lifetime Achievement Award by the Indiana Land Title Association (ILTA) at its annual President’s Banquet.

  • FinCEN Announces Postponement of Residential Real Estate Reporting Until March 1, 2026

    FinCEN Announces Postponement of Residential Real Estate Reporting Until March 1, 2026 WASHINGTON––To reduce business burden and ensure effective regulation, the U.S. Department of the Treasury’s Financial Crimes Enforcement Network (FinCEN) today announced that it will postpone reporting requirements of the Anti-Money Laundering Regulations for Residential Real Estate Transfers Rule (RRE Rule) until March 1, 2026. FinCEN is […]

  • Inside FinCEN: Brad Hoeschen Breaks Down the New Requirements

    In this must-hear episode, host Ann Allard is joined by Brad Hoeschen for an insider’s look at the latest FinCEN reporting requirements and what they mean for title professionals. Brad shares his expertise on the regulatory changes, how they’re being implemented, and what agents need to know to stay compliant. From practical tips to real-world scenarios, this conversation helps demystify a complex topic and empowers listeners to approach FinCEN with clarity and confidence. Update: Please […]

  • Housing Affordability Through the Lens of History and the NFL

    In this episode of the REconomy Podcast™, Chief Economist Mark Fleming and Deputy Chief Economist Odeta Kushi explore the state of housing affordability through the lens of history and even the NFL. They compare affordability levels today with those from the late 1970s and early 1980s, revealing why the “cheaper” homes of the past weren’t necessarily more affordable, and highlight the results of the 2025 Affordability Bowl, which ranks first-time home buyer affordability across NFL […]

  • What is Title Insurance?

    What is title insurance, and why do you need it when buying a home? 🛡️ This video explains how title insurance protects homeowners from hidden defects in a property's title — even after a thorough title search. Learn the key differences between title insurance and other types of insurance, and why this one-time purchase is so valuable for peace of mind. Ideal for new buyers and anyone navigating the home buying process! #TitleInsurance #HomebuyerTips #RealEstateExplained […]

  • What is Title?

    What exactly is a title when it comes to owning property? 🏡 In this quick explainer, we break down what “title” means in real estate, how the Chain of Title works, and why it’s essential to review a property's history before you buy. Learn how title searches help uncover potential problems — also known as defects — and how those can impact your ownership rights. Perfect for first-time homebuyers or anyone curious about the real estate process! #WhatIsTitle #RealEstateBasics […]

  • Commercial Transactions: Settlement Basics

    Article by Kay M. Creasman & John Mashack Overview: Over the years other VLTA Examiner articles and VLTA seminars have covered the basics of underwriting a commercial transaction, but agents experienced in residential matters now need additional information about the role of the escrow agent, instruction letters, title search issues, ALTA/NSPS surveys and endorsements specific to … Continue reading Commercial Transactions: Settlement Basics

  • VLTA 2025 Outgoing President’s Message From Becky Taylor

    Article by Becky Taylor, VLTA President Last year, we celebrated the 50th anniversary of the Virginia Land Title Association.  As we entered the 51st year of VLTA, we used the Power of the Past to Focus on the Future. To that end, in September 2024 the Board of Directors met for a two-day Strategic Planning Retreat … Continue reading VLTA 2025 Outgoing President’s Message From Becky Taylor

  • VLTA Members in Motion – September 2025

    Share with VLTA what you’re doing in your community, your new jobs, promotions, retirements, milestones, professional accomplishments, good deeds, events, awards, or even a member advocacy story, or testimonial while you’re at it! News can include a relevant link to an article, blog post, press release, video, landing page, or website. S & T Law … Continue reading VLTA Members in Motion – September 2025

  • Why ALTA®/NSPS Surveys Matter in Virginia Residential Real Estate Transactions

    Article by Hayden-Anne Breedlove When a buyer, lender, or settlement agent asks, “Do we really need a survey?”, they’re rarely thinking about the downstream risks. Yet for Virginia title professionals, surveys are one of the most powerful tools for uncovering problems before they turn into litigation, coverage claims, or unmarketable title. The American Land Title … Continue reading Why ALTA®/NSPS Surveys Matter in Virginia Residential Real Estate Transactions

  • Guide to Judicial Tax Sales For Examiners & Underwriters in Virginia

    Article by Jerry C. Booth, Jr. I. Introduction A judicial tax sale is a legal process used to collect delinquent real estate taxes by selling the property through a proceeding in the local circuit court. The procedure is governed by Article 4 of Chapter 39, Title 58.1, et. seq, of the Code of Virginia.  The … Continue reading Guide to Judicial Tax Sales For Examiners & Underwriters in Virginia

  • What type of mortgage fraud is the hardest to prove?

    Listen as former CFPB attorney David Friend, owner of Friend Mortgage Consulting, explains the differences between two distinct types of mortgage fraud that have made headlines recently.

  • Effort to halt CFPB's new PACE rules hits roadblock

    A trade group for participants in the clean energy loan program argues the upcoming regulations will be too burdensome and costly for participants.

  • Rhode Island 2026 Company Appointment Renewals
  • Zacks Downgrades Fannie Mae as Conservatorship, Leadership Uncertainty Linger

    Zacks Investment Research has downgraded the stock of Fannie Mae from a “hold” to a “strong sell.” Despite the downgrade, the GSE’s stock has gained slightly this week. It opened at $10.85 on Monday, and was at $11.00 at the market close today. The firm has a 50-day moving average price of $12.19 and a 200-day moving average price of $10.51. The firm has a market capitalization of $12.57 billion, a PE ratio of 16.18 and a beta of 2.04. Fannie Mae has a 12-month low of […]

  • Fannie Mae updates credit score language in DU update

    New guidelines should provide homeownership opportunities for certain consumer segments with thin credit files and open up product options, lenders said.

  • Credit models for mortgages are being overhauled. Here’s what to know

    The way that mortgage lenders assess credit risk is undergoing its biggest overhaul in decades as the Federal Housing Finance Agency (FHFA) is preparing to roll out a new framework that allows lenders to use two scoring models — FICO 10T and VantageScore 4.0. FHFA Director Bill Pulte and the Trump administration have voiced support for more competition by allowing the government-sponsored enterprises (GSEs) to adopt alternative credit models. In July, Pulte announced via social media […]

  • Credit models for mortgages are being overhauled. Here’s what to know

    The way that mortgage lenders assess credit risk is undergoing its biggest overhaul in decades as the Federal Housing Finance Agency (FHFA) is preparing to roll out a new framework that allows lenders to use two scoring models — FICO 10T and VantageScore 4.0. FHFA Director Bill Pulte and the Trump administration have voiced support for more competition by allowing the government-sponsored enterprises (GSEs) to adopt alternative credit models. In July, Pulte announced via social media […]

  • Credit models for mortgages are being overhauled. Here’s what to know

    The way that mortgage lenders assess credit risk is undergoing its biggest overhaul in decades as the Federal Housing Finance Agency (FHFA) is preparing to roll out a new framework that allows lenders to use two scoring models — FICO 10T and VantageScore 4.0. FHFA Director Bill Pulte and the Trump administration have voiced support for more competition by allowing the government-sponsored enterprises (GSEs) to adopt alternative credit models. In July, Pulte announced via social media […]

  • What Are The Two Types of Mortgage Fraud?

    Mortgage fraud is back in the headlines — but understanding how it really happens requires a closer look. In this episode, attorney and former CFPB Senior Counsel David Friend joins host Mary Schuster to unpack the difference between “fraud for money” and “fraud for housing,” why proving intent is so difficult.

  • Fannie Mae removes minimum credit score requirements from DU

    Fannie Mae‘s November 2025 Selling Guide, released on Wednesday, detailed several updates, including expanding Fannie’s Day 1 Certainty offerings to include representation and warranty relief for undisclosed non-mortgage liabilities, expanding the eligibility for the age of credit document exception for single-closing construction loans and removing minimum credit score requirements from Desktop Underwriter (DU). As a result of the latter update, Fannie Mae will remove minimum credit […]

  • Fannie Mae removes minimum credit score requirements from DU

    Fannie Mae‘s November 2025 Selling Guide, released on Wednesday, detailed several updates, including expanding Fannie’s Day 1 Certainty offerings to include representation and warranty relief for undisclosed non-mortgage liabilities, expanding the eligibility for the age of credit document exception for single-closing construction loans and removing minimum credit score requirements from Desktop Underwriter (DU). As a result of the latter update, Fannie Mae will remove minimum credit […]

  • Florida Becomes Battleground for Text Messaging TCPA Arguments

    In the wild new world of TCPA litigation following the end of binding deference to the Federal Communications Commission (FCC), one of the more salient questions is whether the Do-Not-Call (DNC) Registry’s protections extend to the sending of text messages. Florida finds itself at ground zero for this debate after three different federal district courts come down on opposite sides of the Telephone Consumer Protection Act (TCPA) question.This summer, we discussed the Supreme Court’s decision […]

  • As auto delinquencies rise, CFPB seeks to cut oversight

    The Consumer Financial Protection Bureau is considering a proposal to reduce its oversight of auto finance lenders, saying the benefits of supervision may not justify the "increased compliance burdens."

  • Day 36: Housing discrimination unchecked amid enforcement rollback

    At 36 days and counting, the ongoing federal government shutdown is the longest in U.S. history. The effects have been wide-ranging, from understaffed air traffic control towers to reduced funds for food stamp benefits through the Supplemental Nutrition Assistance Program (SNAP) to processing delays for applications submitted to government-insured mortgage programs. For more than a month, the federal government has not enforced the Fair Housing Act, passed in 1968 as part of the […]

  • Day 36: Housing discrimination unchecked amid enforcement rollback

    At 36 days and counting, the ongoing federal government shutdown is the longest in U.S. history. The effects have been wide-ranging, from understaffed air traffic control towers to reduced funds for food stamp benefits through the Supplemental Nutrition Assistance Program (SNAP) to processing delays for applications submitted to government-insured mortgage programs. For more than a month, the federal government has not enforced the Fair Housing Act, passed in 1968 as part of the […]

  • Day 36: Housing discrimination unchecked amid enforcement rollback

    At 36 days and counting, the ongoing federal government shutdown is the longest in U.S. history. The effects have been wide-ranging, from understaffed air traffic control towers to reduced funds for food stamp benefits through the Supplemental Nutrition Assistance Program (SNAP) to processing delays for applications submitted to government-insured mortgage programs. For more than a month, the federal government has not enforced the Fair Housing Act, passed in 1968 as part of the […]

  • Day 36: Housing discrimination unchecked amid enforcement rollback

    At 36 days and counting, the ongoing federal government shutdown is the longest in U.S. history. The effects have been wide-ranging, from understaffed air traffic control towers to reduced funds for food stamp benefits through the Supplemental Nutrition Assistance Program (SNAP) to processing delays for applications submitted to government-insured mortgage programs. For more than a month, the federal government has not enforced the Fair Housing Act, passed in 1968 as part of the […]

  • Rental history in credit scores could expand mortgage access to millions: VantageScore

    Between mortgage rates exceeding 6%, median home prices north of $400,000 nationally, and 3% inflation eroding earned income, it’s a challenging time for U.S. renters aspiring to become first-time homeowners. Another sometimes overlooked challenge for certain renters is a lack of positive credit history, as on-time rental payments have historically been excluded from a prospective homebuyer’s credit profile. A new analysis released Wednesday by VantageScore suggests that […]

  • Rental history in credit scores could expand mortgage access to millions: VantageScore

    Between mortgage rates exceeding 6%, median home prices north of $400,000 nationally, and 3% inflation eroding earned income, it’s a challenging time for U.S. renters aspiring to become first-time homeowners. Another sometimes overlooked challenge for certain renters is a lack of positive credit history, as on-time rental payments have historically been excluded from a prospective homebuyer’s credit profile. A new analysis released Wednesday by VantageScore suggests that […]

  • Rental history in credit scores could expand mortgage access to millions: VantageScore

    Between mortgage rates exceeding 6%, median home prices north of $400,000 nationally, and 3% inflation eroding earned income, it’s a challenging time for U.S. renters aspiring to become first-time homeowners. Another sometimes overlooked challenge for certain renters is a lack of positive credit history, as on-time rental payments have historically been excluded from a prospective homebuyer’s credit profile. A new analysis released Wednesday by VantageScore suggests that […]

  • Effort to halt CFPB's new PACE rules hits roadblock

    A trade group for participants in the clean energy loan program argues the upcoming regulations will be too burdensome and costly for participants.

  • Banks are losing share in rapidly growing HELOC market

    The volume of home equity lines of credit expanded for the 14th consecutive quarter, driven largely by fintechs and other nonbanks that are accounting for more and more of the business.

  • Year of the second mortgage comeback: Why it matters and why it’s not going away anytime soon

    The second-lien market is entering a new growth cycle, and Deephaven is helping lead the conversation. With projections exceeding $60 billion in originations for 2025, second liens have moved from a niche product to a mainstream financing tool for both homeowners and investors. U.S. homeowners collectively hold $35 trillion in home equity, and roughly 85% are locked into first-lien rates below 5%, creating strong demand for alternatives to traditional refinancing. According to Tom Davis, […]

  • Three ways servicers can move the needle on borrower experience

    Low borrower satisfaction carries significant business consequences for mortgage servicers. Dissatisfied or confused borrowers are more likely to complain to regulators, generate costly call center volume and lengthen loss-mitigation processes. J.D. Power’s 2025 U.S. Mortgage Servicer Satisfaction Study reveals a widening gap in borrower satisfaction between origination and servicing experiences. While borrowers are happier than ever with originators, they are less satisfied than ever with […]

  • Waller hedges on nonbank access to 'skinny' master account

    Federal Reserve Gov. Christopher Waller said there was a popular "misunderstanding" Thursday regarding who can qualify for a "skinny" master account, noting that only firms with a bank charter would qualify for approval.

  • Loandepot touts growth trajectory after latest earnings loss

    Company leaders said current strategy sets it up to profit and compete against its rivals as the mortgage market improves in the coming months.

  • Home prices trend up despite little seller leverage

    The average price of a single-family home increased 1.7% from last year to $426,800 in the third quarter.

  • Blend Labs reports shrinking mortgage revenue even as its partnerships gain steam

    Blend Labs Inc. shared its third-quarter earnings on Thursday afternoon, posting revenue of $32.9 million from July to September, down 1% on an annual basis. The company reported a GAAP gross profit margin of 74% in the third quarter, unchanged from the same period in 2024. Non-GAAP gross profit margin rose to 78%, up from 75% a year earlier. Blend‘s GAAP operating loss narrowed to $4.9 million, down from $11.3 million in Q3 2024, while non-GAAP operating income increased from […]

  • loanDepot’s Q3 loss narrows as revenue climbs 14%

    loanDepot reported a smaller loss in the third quarter as higher loan volumes, improved margins and increased servicing income boosted its results. Revenue for the California-based mortgage lender rose 14% from the previous quarter to $323 million, while adjusted revenue increased 11% to $325 million. Pull-through weighted gain-on-sale margins rose 9 basis points to 339 bps. Founder and CEO Anthony Hsieh said the company’s focus during the quarter was on reshaping its leadership […]

  • Chicago Fed’s Goolsbee Signals Uncertainty on More Rate Cuts Amid Data Gaps

    Chicago Federal Reserve President Austan Goolsbee put a damper on expectations of further Fed interest rate cuts, citing lack of key inflation data due to the government shutdown. The CME FedWatch Tool has the chances of a 25 basis point cut at the Federal Open Market Committee’s December meeting at 69.9%, up slightly from the 67% of a couple of days ago. Goolsbee, who will vote at the December meeting, has generally called for gradually lowering rates. However, in a CNBC […]

  • Zacks Downgrades Fannie Mae as Conservatorship, Leadership Uncertainty Linger

    Zacks Investment Research has downgraded the stock of Fannie Mae from a “hold” to a “strong sell.” Despite the downgrade, the GSE’s stock has gained slightly this week. It opened at $10.85 on Monday, and was at $11.00 at the market close today. The firm has a 50-day moving average price of $12.19 and a 200-day moving average price of $10.51. The firm has a market capitalization of $12.57 billion, a PE ratio of 16.18 and a beta of 2.04. Fannie Mae has a 12-month low of […]

  • Share of For-Sale Newly Built Homes Hits Four-Year Low

    According to a recent Redfin analysis, 26.8% of single-family homes for sale nationwide in August were newly constructed, the lowest percentage in four years. Compared to 28.2% a year ago and 30.6% two years ago, representing a significant decrease.  The share of new homes in the single-family supply is still much higher than it was prior to the pandemic. The share increased from 15% to 20% in 2018 and 2019 to over 35% in 2022 as demand for homes surged during the pandemic, and it has […]

  • 50 Years of Housing: Tech Hubs Surge, Industrial Cities Stagnate

    Over the last 50 years, America’s housing market has split sharply between booming coastal metros and slower-growing industrial cities. A new Realtor.com® analysis of Federal Housing Finance Agency data from 1975 to 2024 found that home values have increased in every one of the nation’s 50 largest metro areas, but by wildly varying degrees.  The biggest gains came where technology and finance reshaped local economies. On the West Coast, San Jose led the nation with a 396% […]

  • Fannie Mae updates credit score language in DU update

    New guidelines should provide homeownership opportunities for certain consumer segments with thin credit files and open up product options, lenders said.

  • Rithm drops Onity as subservicer on $33B portfolio

    Rithm Capital will no longer use Onity Group’s servicing subsidiary, PHH Mortgage Corp., as the subservicer of a $33 billion portfolio primarily composed of pre-2008 loans — ending an agreement that has lasted nearly a decade. Onity, which released its third-quarter earnings on Thursday, said it was notified by Rithm on Oct. 31 of its intent to not renew the subservicing contract, with the termination taking effect on Jan. 31, 2026.  Most of the portfolio transfer is […]

  • Onity’s reverse business turns a profit as margins climb

    Onity Group managed to deliver a profit in its reverse mortgage origination segment in the third quarter of 2025, as higher margins offset lower volumes. Onity — the parent company of PHH Mortgage Corp. and its subsidiary, Liberty Reverse Mortgage — originated $143 million in reverse mortgages from July through September, down from $166 million in the prior quarter and $197 million in the same period of 2024. But margins rose to 446 basis points, compared to 367 bps in the […]

  • Credit models for mortgages are being overhauled. Here’s what to know

    The way that mortgage lenders assess credit risk is undergoing its biggest overhaul in decades as the Federal Housing Finance Agency (FHFA) is preparing to roll out a new framework that allows lenders to use two scoring models — FICO 10T and VantageScore 4.0. FHFA Director Bill Pulte and the Trump administration have voiced support for more competition by allowing the government-sponsored enterprises (GSEs) to adopt alternative credit models. In July, Pulte announced via social media […]

  • Fed Gov. Barr says AI may cause 'dislocations' in labor force

    Michael Barr said he believes artificial intelligence will have a positive long-term impact on the economy, though it may cause job losses in the short term.

  • Opportunity Zones Experience Price Gains in Q2 

    The qualifying low-income Opportunity Zones that Congress designated for economic rehabilitation under the Tax Cuts and Jobs Act of 2017 are the subject of ATTOM’s Q2 2025 report. According to the research, 57% of Opportunity Zones across the nation with sufficient data to measure saw an increase in median single-family home and condo prices between the first and second quarters of 2025.  In comparison to the same period last year, median property values increased in 50.5% of […]

  • Mortgage rates bounce back up after month of drops

    The 30-year fixed-rate mortgage rose five basis points from last week to 6.22%, while the 15-year rate increased nine basis points to 5.50%

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  • Why Notaries Can’t Certify Vital Records | What To Do Instead

    Why Notaries May Never Certify Copies of Vital Records — And Where to Send Clients Instead Vital records are some of the most important documents we encounter in life. These records — such as birth certificates, death certificates, marriage records, and divorce decrees — often serve as proof of identity, relationship, age, or legal status. Because of their importance, customers routinely ask notaries to “certify a copy” of a vital record. And that’s where the conversation must […]

  • Apostille Facilitation Made Simple with D|M Notary Solutions

    When your documents need to be used outside the U.S., you’ll often hear the word apostille. But what does that mean exactly?An apostille is a special certificate that verifies the authenticity of a document so it’s recognized in another country. Whether you’re getting married abroad, studying overseas, handling international business, or managing family matters across borders—your documents may need this extra step before they’re valid internationally.✨ How D|M Notary Solutions […]

  • Do Deeds Require Witnesses? What Notaries & Homeowners Should Know by State

    Do Deeds Always Require Witnesses? What Every Homeowner and Notary Should Know When it comes to signing and transferring property, one small detail can make a huge difference — witness requirements. Many notaries and homeowners assume a notarization alone makes the deed complete. But depending on the state where the property is located, that’s not always true. Some states require witnesses in addition to the notary acknowledgment, and in certain places, the notary may even serve as […]

  • The Art of Negotiating Notary Service Fees

    The Art of Negotiating Notary Service Fees When it comes to running a notary business, one of the biggest challenges isn’t stamping documents—it’s knowing how to price your services wisely and communicate your value confidently. Fee negotiation is both a skill and a mindset, one that balances professionalism, integrity, and business growth.Understand the Value—And the ResponsibilityBefore you can negotiate, you must understand what you truly bring to the table. Clients aren’t paying […]

  • How to Calculate Notary Fees the Smart Way (With a Simple Worksheet)

    Let's jump into it...fees Pricing your notary services can feel like walking a tightrope. Charge too little, and you undervalue yourself. Charge too much, and you scare away clients. Fortunately, with a structured worksheet and some best practices, you can compute your fees with confidence, transparency, and fairness.In this post, we’ll break down the framework shared in the “Notary Fee Calculation Made Easy” video, show how to build your own worksheet, and offer tips to communicate your […]

  • IPEN vs. Remote Online Notarization: Key Differences & Benefits

    IPEN vs. Remote Online Notarization: Which One Is Right for You? As technology continues to reshape the notary industry, two powerful tools have emerged at the forefront of digital notarization: In-Person Electronic Notarization (IPEN) and Remote Online Notarization (RON). While both methods modernize the notarization process, they serve different purposes and offer unique benefits for notaries, clients, and industries that rely on notarized documents.Let’s break down the differences and […]

  • Wearing Too Many Hats: Why Small Business Owners Lose Customers When They Overextend

    Wearing Too Many Hats: When Small Business Owners Stretch Themselves Too Thin As small business owners, we’re often celebrated for our hustle. We juggle roles—CEO, marketer, bookkeeper, customer service rep—all while dreaming of expansion and new ventures. But here’s the reality: sometimes wearing too many hats comes at a cost, not only to us but also to the clients and customers who depend on us.When Too Much Becomes Too MuchThere’s nothing wrong with managing multiple businesses. […]

  • Paper vs. Electronic Notary Journals: Which One Is Right for You?

    Paper vs. Electronic Journals: Which One Makes Sense for Your Notary Business? As notaries, one of the tools we must maintain is a journal of our notarial acts. While the law in many states may leave the format up to us, the choice between a paper journal and an electronic journal (ejournal) often comes down to business practicality.The Case for EjournalsEjournals are an excellent choice for notaries who perform consistent and frequent notarizations. If you are running a busy practice, […]

  • Your Email Signature: What It Is, Why It Matters, and How to Create One

    Your Email Signature: What It Is, Why It Matters, and How to Create One IntroductionYour email signature is more than just your name—it’s your digital business card. Every email you send is an opportunity to reinforce your professionalism, promote your brand, and make it easy for clients to connect with you. Let’s explore what an email signature is, what it should include, and the tools you can use to create one.What Is an Email Signature?An email signature is the block of text or design […]

  • Flyers, Business Cards, Postcards, and Brochures: How to Use Marketing Stationery the Right Way

    Flyers, Business Cards, Postcards, and Brochures – How to Use Them the Right Way IntroductionMarketing materials are not one-size-fits-all. Each piece of stationery—business cards, flyers, postcards, and brochures—has its own role. The mistake many business owners make is cramming too much information on one item or not enough on another. The key is knowing what each format is designed to do and how to use it correctly.Business Cards: Your First Impression Your business card should be […]

  • Why a Professional Email Beats Personal for Your Business

    Why Your Email Matters: Professional vs. Personal in Business First impressions in business go beyond your smile or your website—they show up in your inbox. Your email address is often the first detail a customer sees, and it immediately influences how they perceive your business.Professional vs. Personal Emails: What’s the Difference?Personal Email Examples: yourname@gmail.com, lovelysun@yahoo.com.  These accounts are great for your friends, online shopping, and family […]

  • Notary Public vs. Signing Agent: What’s the Real Difference?

    Notary Public vs. Notary Signing Agent: The Real Difference There’s a lot of confusion between what a Notary Public is and what a Notary Signing Agent does. Here’s the truth every notary—and client—should understand.Notary Public A Notary Public is what you are commissioned as legally by your state government. Your general duties are straightforward and essential: Identify the signerAssess willingness and awarenessWitness the signatureIn most cases, signers have already […]

  • Why Do Trustees Sign “Individually and as Trustee”? | Trust Signing Explained

    Why Does a Trustee Sometimes Sign “Individually and as Trustee”? When you establish a trust, you gain both protection and flexibility for your assets. But when it comes time to sign legal documents, you may notice varying signature requirements — sometimes you’re asked to sign only as trustee, other times both individually and as trustee. What’s the difference? And why does it matter? Understanding the Role of a TrusteeA trustee is the person who manages the trust according to its […]

  • Why Knowing Your Target Audience Is the Foundation of Marketing Success

    Target Audience & Professionalism: Keys to Growing Your Business When it comes to marketing, the truth is simple: not every business speaks to every audience. Depending on your industry, the success of your marketing depends heavily on how well you understand three key things:Who your target audience isWhat channels they use to discover businesses like yoursHow they prefer to receive servicesWithout clarity in these areas, your marketing efforts will often feel scattered and unproductive. […]

  • RON Is a Game-Changer for People Overseas

    If you’re living or working overseas, you know how challenging it can be to get U.S. documents notarized. That’s where Remote Online Notarization (RON) comes in.What is RON? Remote Online Notarization lets you meet with a notary through a secure video platform. You upload your ID, connect on camera, and sign electronically—all without stepping foot in the U.S.Why It’s Perfect for People AbroadMilitary families stationed overseas can handle powers of attorney, wills, and housing […]

  • How to Prepare for a Smooth Loan Signing | Borrower & Seller Checklist

    How to Prepare for a Smooth Loan Signing: A Checklist for Borrowers and Sellers IntroductionLoan signings are one of the most important—and sometimes most stressful—parts of the home buying or selling process. The good news? With the right preparation, your signing can be quick, efficient, and error-free.As a notary who specializes in real estate closings, I’ve seen how small oversights (like missing IDs or unprepared witnesses) can cause delays. This guide provides a simple checklist […]

  • Why Ink Color Matters in Document Signing | Blue Ink vs. Black Ink Explained

    Why Ink Color Matters in Document Signing: Not Just Black and White IntroductionWhen you pick up a pen to sign a document, you might think the ink color doesn’t matter—as long as your signature is there. But in the world of legal, financial, and real estate transactions, ink color is more than just a personal choice. It’s about clarity, compliance, and sometimes even fraud prevention.So why do certain industries require blue ink, while others insist on black? Let’s dive in. 1. The […]

  • Signature by Mark vs. Signature by Proxy in Florida | Notary Guide for Disabled Signers

    Signature by Mark vs. Signature by Proxy in Florida: What Every Notary Should Know IntroductionAs a notary public, you’ll encounter signers who may be physically unable to sign their names in the traditional way. Florida law provides options to ensure these individuals are not excluded from executing important documents. Two of the most common alternatives are signature by mark and signature by proxy.While both methods allow signers with disabilities to complete legal paperwork, they carry […]

  • Best Payment Methods for Small & Notary Businesses (2025)

    Payment Methods Every Small Business & Notary Should Consider Getting paid is one of the most important parts of running your business. Whether you are a notary public, a mobile signing agent, or a small business owner, the way you accept payments directly impacts your cash flow, client satisfaction, and even your profitability.Today, there are more ways than ever to accept payments—credit/debit cards, cash, checks, and a wide range of digital processors like Square, PayPal, QuickBooks […]

  • Mobile Notary for Real Estate: Title Companies & Attorneys

    Real estate closings don’t always happen at the most convenient times. Title companies and attorneys know that having a dependable mobile notary can make all the difference.Convenience for Everyone A mobile notary travels to where the clients are—whether that’s a home, office, or even a coffee shop. This flexibility helps reduce delays, especially when multiple signers are involved.Support for Title Companies Title officers juggle a lot. When they can rely on a mobile notary, they know […]