Category Archives: Thought Leadership

2016 NAR Report Reveals the Allure of Homeownership Rising Among the Younger Generation

What is the profile of a typical home buyer and seller in today’s market? How are buyers financing their home? And what tools are buyers using to refine their home search? We’ve got the answers.

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Why Some Real Estate Deals Slip Through the Cracks

From the inspection to the buyer’s financing to the professional appraisal, there are a lot of areas where a deal could slip through the cracks.

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New Consumer Financial Protection Bureau Rules will Help Protect Consumers

By Cal Haupt, president and CEO of Southeast Mortgage Earlier this month, the Consumer Financial Protection Bureau (CFPB) announced their proposed rules to protect homeowners and increase mortgage servicer accountability. The CFPB asked consumers, a Small Business Review Panel and …

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Should You Pay Off Your Mortgage Early?

By Cal Haupt, president and CEO of Southeast Mortgage In Samuel Coleridge’s epic poem, “The Rime of the Ancient Mariner,” the narrating sailor details a stalled voyage on the sea: “We stuck, nor breath nor motion; as idle as a …

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So You Want to Be an MLO…

By Kathy Gyselinck, Executive Vice President of Human Resources and Legal Compliance at Southeast Mortgage Before the housing bubble burst in 2007, many Mortgage Loan Originators (MLOs) operated on a part-time basis, as it is a commission sales position and …

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Why Mortgage Rates Don’t Matter (And Why They Do)

It seems that every day we open our newspapers (or Internet browser) there’s more news of mortgage rates hitting new record lows. In 2011, the record low was 4.45 percent. Last week, rates dropped to 3.56 percent. The low rates …

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Avoid Being a Victim of Mortgage Fraud

Just this week a federal judge sentenced a former Auburn attorney to nearly four years in prison for mortgage fraud. James Boyd Douglas Jr. handled mortgage refinancings and real estate closings and was found guilty of embezzling $2.3 million from clients. …

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Consumer Will Benefit From Simpler Mortgage Disclosure Form

For more than 35 years, two federal laws (the Truth in Lending Act or “TILA,” and the Real Estate Settlement Procedures Act or “RESPA”) have required lenders and settlement agents to give consumers who take out a mortgage loan separate …

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Basel III To Change Mortgage Landscape

The mortgage industry has undergone many significant changes as a result of the financial crisis. One of the less known pending changes is about to take its final form and in its current draft Basel III will increase consumer costs and …

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Mortgage Lending A Great Career Opportunity

With the unemployment rate in Georgia at 8.9 percent and nationally at 8.1 percent there are a lot of people looking for jobs. And there are an additional 1,781,000 students who recently graduated from college who have also entered the …

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