Archive for January, 2009

New Appraiser’s Code of Conduct

January 7, 2009

In 2008, Freddie Mac introduced to the Appraiser’s Board a Home Valuation Code of Conduct.  These standards are currently under final review, and the enactment date has yet to be set.  It is anticipated they will become effective 1-15-2009, however the final code has not been issued.  The following is the current version of the [...]

Are You Ready for the Red Flag Rules?

January 7, 2009

Red Flag Rules will be effective 5-1-09 due to the Federal Trade Commission allowing an extension (previously 11-1-08) for lenders to implement identity theft prevention programs.  The Red Flag Rules require each financial institution and creditor that holds any consumer account, or other account with a reasonably foreseeable risk for identity theft must set policies [...]

2009 a Year of Opportunity

January 7, 2009

A new year is here, wealth of opportunities are on the horizon. 
·         Spring is historically the busiest season with extra money flow from the borrower’s tax refunds
·         The interest rates are great
·         House prices are affordable
·         The new Administration is going to be focusing on the mortgage industry to help pull the economy out [...]