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Latest video published 9/3/2019
- Due-on-Further Encumbrance and Foreclosure
Covers: Triggering the due-on clause on a further encumbrance of a property, and a senior mortgage holder’s call of the mortgage on completion of a foreclosure sale by a junior lienholder.
- Due-on Assignment or Modification of a Lease
Covers: Triggering the due-on clause on a lease assignment or modification which extends the lease term beyond three years, or grants the tenant a purchase option; Triggered on a lease novation.
- Due-on-Lease Trust Deed Provision
Covers: Triggering the due-on clause in a trust deed on entry into a lease with a term over three years, or a lease for any term coupled with an option to buy.
- 2023’s real estate market trends influence all participants; Monthly Statistical Update (September 2023)
2023’s downturn still undeclared; Despite year-over improvement, buyer purchasing power remains low; Saving rates creep higher as consumers rein in spending
- Triggered by Any Transfer of Any Legal or Equitable Ownership Interest in the Security
Covers: The sale of a property as the primary event triggering the mortgage holder’s exercise of the due-on clause; Triggered by any method for transfer of any legal or equitable ownership in the real estate interest encumbered by a trust deed.
- Mortgage Holder Interference in Transactions when Interest Rates Rise
Covers: The due-on clause as the single greatest burden on the use and mobility of commercially available title for ownership of property rights; Prevalence of the due-on clause in periods of economic recession and recovery; Rising rates bring lender interference.
- Mortgage Concepts: Lender ECOA disclosures of action taken, Part 1
This video covers the disclosures advising the borrower of the action the lender has taken on the borrower's mortgage application.
- Mortgage Concepts: How to issue the Adverse Action Notice, Part 2
Which disclosures are required by the FCRA when a loan is denied, instead of approved?
- Mortgage Concepts: How to issue the Adverse Action Notice, Part 1
When a loan is denied, instead of approved, the FCRA requires the loan originator to disclose the adverse action.
- Mortgage Concepts: Observed suspicious activity reports (SARs)
Learn when a mortgage lender is to file a suspicious activity report (SAR) with the Financial Crimes Enforcement Network (FinCEN).
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