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Does anyone understand this new HUD?!?

March 1st, 2010

Does anyone understand this new HUD?!?

With all of the changes prompted by the recent selection of the banking industry as the “political whipping boy”, one is left star-struck and confused as to what these changes mean-and, how to deal with them. Add in the new HUD form and you have a recipe for assured confusion which will drive anyone to destroy electronic items of high value. Let me see if I can sum this up…This is a work in progress. No one Lender has it “totally correct”.

Most of the problems are stemming from the initial disclosure on the GFE. If the Mortgage Broker/Lender correctly discloses the information, the closing is a snap. It’s when they forget to include fees or decide that your hard work is worth a 1/3 of your already ridiculously low fee that it becomes an issue! (That was for the Escrow Officer’s out there J ). My guess would be that we should start to see considerable uniformity within the next 6 months. Hang in there until that time. For more on the New HUD and Respa laws, click the following link.

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