The good news is the nice change in the direction of the June and Year to Date foreclosure actions. It's a nice sign of recovery. :-)   07/18/2013

I know you're busy, so I'll make it fast !     April on is looking good ! July is a dog day month, hot as Hades ! But we'll sweat it out :-) 07/18/2013

Bank sales are declining, median prices are increasing. New home sales median is slightly off for the month. Existing gets better at every end of the spectrum. 07/18/2013

ActiveRain Summer 2013  Meetup in Memphis     It's Elvis Weekend !   Starbucks 1850 Union Ave Memphis, Tennessee   Sunday August 18, 2013 11:30AM till 1:00 PM   You'll receive 1,000 points for your attendance & For blogging about it ! Many thanks to Kerrie LaGuardia ActiveRain Community Manager   07/18/2013

Dub Diver's music is a great way to end a busy day. It's relaxation, chill-out, and a slice of paradise, All rolled up into one great melodic interlude. Here he is with "La Ninfa" Have a great day ahead. -David-   07/17/2013

Alan Price recorded "House of the Rising Sun" with Eric Burden of The Animals.His songwriting career is legendary.This song, "Poor People", was written for the great film, "O Lucky Man"Enjoy !-David- 07/17/2013

  Here's great tune to go with the croissant and coffee ! The Great Django Reinhardt "Blue Lou" Recorded in Paris March 3, 1947 Make someones dream come true ( just make sure it's not a nightmare) :-)   & Have a great day today !   -David- ps...If you have a request I'll find it for you...   07/16/2013

  The Midnight Sock Hop The Moonglows With a Blast from the Past "Send Me Someone to Love" Great Song ! Have great day tomorrow ! And Keep Dancing ! -David-     07/16/2013

ContractsPart 1 The Clause   07/15/2013

Here's Great Laugh for Another Monday Night Madness !The Great Sid Caesar with the Beautiful Nanette Fabray"Gallipacci"Hilarious Parody of "Pagliacci" by Ruggero Leoncavallo It's pretty safe to say that this onemight make you laugh till you pass out !Few comedians could stir up an audience like the cast of "Your Show of Shows"I know you're going to love this !Enjoy ! -David-   07/15/2013

                                                       #2270 This phrase, "If you have great credit your could get great loan terms", would red flag the requirement under the Truth In Lending Act or TILA. True or False ? Take your time. The solution is posted below the wildlife photo. A. False This is a general statement because loan terms are not included in the body of the statement. Disclosure of the finance charge and annual percentage rate would be required under TILA if loan terms were disclosed in the body of the statement. 07/14/2013

                                                          #2269 A federal law that prohibits lenders from making high cost predatory home equity loans is known as Equal Credit Opportunity Act or the ECOA. Is this fact true or false ? Please take your time. The solution is below the wildlife photo. A. False The federal law that prohibits lenders from making hgh-cost predatory home equity loans is known as the Home Ownership and Equity Protection Act, or HOEPA. 07/14/2013

                                                       #2268 Loan flipping is prohibited under the Real Estate Settlement Procedures Act. Is this fact true or false ? Please take your time the solution is posted below the wildlife photo. A. False The Real Estate Settlement Procedures Act or RESPA is not concerned with loan flipping. It would be concerned with an illegal kickback, however. HUD.Gov can tell you more about RESPA.   07/14/2013

                                                             #2267 Wmen we talk about an impound waiver we're discussing a practice that involves charging points or processing fees that are out of the ordinary. Is this fact true or false ? Please take your time. The solution is posted below the wildlife photo. A. False This is known a s fee packing, once again. 07/14/2013

                                                      #2266 Steering involves charging a borrower processing fees or points to close that a re higher than usual because the lender is steering the borrower away from a conventional loan. Is this fact true or false ? Please take your time. The solution is posted below the wildlife photo. A. False Fee Packing is the practice of charging the borrower excess processing fees or higher than usual points. Steering is an illegal practice that limits the housing opportunities shown to any ethnic group. Don't do it ! 07/14/2013

                                                         #2265 A loan secured by a fleet of tractors to purchase additional farm equipment would be covered under the Truth In Lending Act. Is this fact true or false ? Please take your time. The solution is posted below the wildlife photo. A. False The Truth In Lending Act excludes loans made for agricultural purposes. 07/14/2013

                                                         #2264 Property flipping will involve the charging of processing fees that are not necessary for the services provided by the lender. Is this true or false ? Please take your time. The solution is posted below the wildlife photo. A. False Fee Packing is the charging of unnecessary fees for the processing of a loan.   07/14/2013

                                              #2263 Fee Packing is a predatory lending practice which imposes the practice of charging points and fees for processing a loan that are out of the ordinary and higher than normally charged. These are fees that have no reason to be included in the processing of the loan. Is this fact true or false ? Please take your time. The solution is posted below the wildlife photo. A. True   07/14/2013

                                                  #2262 An unsecured loan for 50 thousand dollars would be covered by the Truth In Lending Act. Is this fact true or false ? Please take your time. The solution is below the wildlife photo. A. False The Truth In Lending Act excludes consumer loans, not secured by real property, that are in excess of 25 thousand dollars. Seller financing is also excluded, as are loans for business or agriculture. See what you can discover about the Truth In Lending Act (TILA). 07/14/2013

                                                  #2261 Another purpose of the Home Mortgage Disclosure Act is to insure that a person, whose income is derived from public assistance, is not discriminated against. Is this fact true or false ? Please take your time. The solution is posted below the wildlife photo. A. False The purpose of the Home Mortgage Disclosure Act is to require lenders to disclose information that may provide evidence of redlining. The Equal Credit Opportunity Act addresses the discrimination of a person whose income is derived from public assistance. 07/14/2013