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"Know Before You Owe" changes...... means More Cowbell

10/4/2015

 
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October 3rd marks the debut of the CFPB "Know Before You Owe" loan disclosure  requirements. 

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Industry pundits have been fearing this Reaper for many months now.  

What are the new required forms?   Why the industry worries?
What is the prescription for that fever? 

More below the break ....





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Give me a Pomodoro!  And Opt Out!

1/1/2015

 
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Tomatoes and Opt Outs.  What?  Go below the break to learn a great technique for focus and stillness in our multi-tasking world.  and some useful tips for controlling your privacy......


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They're Real and They Are Spectacular

4/6/2014

 
How's that for a grabber headline!?!......  Do you know the Seinfeld episode this comes from?  It's one of my favorites...you get the Teri Hatcher shenanigans, plus "double dipping the chip"!

For my City of Austin friends, I want to share some cool yard landscaping rebates.  

For everyone no matter where you live, a little info on organic lawn care.  Like a low interest rate mortgage on your home, smart lawn care can save you lots over the long run..... more info below the break plus a few Seinfeld links I think you will like......  

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Happy Equinox

3/22/2014

 
Today is the first official day of Spring, go below the break for more....

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Simple Ways to Improve your Credit Score

12/13/2013

 
A few credit card tips to help your overall credit score.......

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Paul Enos

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NMLS # 350086
Know Before You Owe
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TEXAS CONSUMER NOTICE
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR A LICENSED MORTGAGE RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.  THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT-OF-POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE COMPANY RESIDENTIAL MORTGAGE LOAN ORGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

                                                                    www.sml.texas.gov/ConsumerInformation/tdsml_recovery_fund_claims.html

Copyright © 2015-2019   |  Paul Enos, Residential Mortgage Loan Originator, NMLS # 350086
First American Mortgage, Company NMLS # 312233, www.famctx.com
4926 Spicewood Springs Road #100, Austin, TX 78759