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Latest posts by Higher Source Sites (see all)

Dec. 31: Rates, the Fed, world economies, affordability, and the shutdown – all tied together - December 31, 2018
Dec. 29: FEMA reverses flood ruling; cybersecurity notes; observations on general housing trends - December 29, 2018
Dec. 28: Doc automation product; FHA & VA changes around our biz; Agency deals continue to share risk - December 28, 2018

Zillow Porchlight
Inman
HomeOwners & Investors

3 Keys to Non-Traditional Holiday Decor

Forget the traditional holiday decorating rules and push yourself to find decor that is new, fresh and fits within your current home decor. [...]

8 Tips for Achieving Maximum Coziness

Gray skies don't have to mean a drab indoor life. [...]

A 3-Step Downsizing Plan

When it's time to move to a smaller home, these tips will help you save the memories while minimizing clutter in your new place. [...]

How to Carve the Best Pumpkin on the Block

To ensure your jack-o'-lantern is primed for Halloween, follow these tips. [...]

Regain Your Garage: Simple Tricks for Getting Organized

A thoughtful approach to garage storage makes the most of this valuable space and keeps every necessity at your fingertips. [...]

Zillow’s shift to IDX is live. Here’s what agents need to know

Changes include buyer's agents being advertised as "personal guides" and the site defaulting to agent listings over others. [...]

Agents are happy with careers despite long hours: Inman survey

Inman's second-annual Agent Appreciation survey revealed that many agents are working every day of the week and that just as many are completely satisfied with their careers. [...]

Fidelity National Financial announces digital closing tool

"Close inHere" is part of the company's "inHere Experience Platform," an end-to-end platform that provides transaction tracking, e-notarization and e-closing services. [...]

Inman Handbook: Paying attention to getting paid

Most agents today make commissions, but there are many ways commissions can actually work. Here's a look at the main themes defining agent compensation today. [...]

Real (Estate) Talk: Let’s cancel the word ‘discrimination’

Language has the power to unite or divide, develop or destroy, so let's choose our words deliberately to advance the true spirit of fair housing. Here's why we should reevaluate the word "discrimination." [...]

Resources for homeowners affected by COVID19.

Here's a list of some high level resources where homeowners can find additional information and possibly help, regarding mortgage forbearance or other questions. If you want to suggest other links that are not blogs or promotional, message me and I'll add them here at the top. List of lenders who may offer relief: https://www.aba.com/about-us/press-room/industry-response-coronavirus https://www.hud.gov/ National relief information and resources https://apps.hud.gov/offices/hsg/sfh/hcc/hcs.cfm if you want to talk to a housing counselor about avoiding foreclosure If you have a Fannie Mae loan: https://www.knowyouroptions.com/covid19assistance If you have a Freddie Mac loan: https://myhome.freddiemac.com/own/getting-help-disaster.html General info on CFPB site: https://www.consumerfinance.gov/about-us/blog/guide-coronavirus-mortgage-relief-options/ https://www.sba.gov/ Small Business Loans 800-827-5722.… [...]

New Coronavirus megathread, place for linking good discussions.

Pretty much daily there is a new post about how CV is impacting the market, and there have been some really great discussions. I thought we could try linking the best of them here, so they are easy to find. Feel free to ad others as anyone sees fit. submitted by /u/wamazing [link] [comments] [...]

Waiving an inspection is stupid

This market is ridiculous enough as it is but people are making it worse by waiving inspections. I’ve lost on five offers so far since November of 2020 and I’ve been beaten out by offers with no inspections every time. I got a pre inspection done on a flipped house that was for sale for $500k in my desired area and the crawl space was the worst that the home inspection crew has ever seen. Leaky plumbing and leaky sewage line created a stream of water that flowed into the back yard. Structural support is wet, rotted, and was cut… [...]

First Time Homebuyers - Pay 20% down or pay down student loans and deal with PMI?

My partner and I are looking to buy our first house - though not until next year sometime, so we're really just getting our feet wet in this world. In our scenario: We make combined about $165,000 pre-tax (not including discretionary bonuses, etc.) and have $100,000 in savings. (And retirement money, but I don't want to touch that). We'll hopefully have around $130-140,000 in savings by the time we buy. We have about $86,000 in federal student loans, with combined monthly payments a little over $1,100. We have a $235 car lease payment and no other debt/fixed costs other than… [...]

Are credit score differences as important in these times?

I'd like to preface this by saying that I am very happy with mine (770). Not trying to rationalize a low score for my own benefit. Is the climb to 800+ as important when interest rates are so low? It seems that people with as low as 600 and 5% down are getting mortgages just fine, at market rates between 2-3.5%. A few years ago, a high credit score could mean bargaining a lower rate, which would save quite a bit of money in the low run. These days, is it worth keeping an eye on? Or should I assume… [...]

MarketWatch.com - Top Stories
MarketWatch.com - Financial Services Industry News

The Moneyist: My partner, 70, refuses to put his bank accounts into both our names. Do I have the right to be offended?

‘In 2008, we lost virtually everything in the Great Recession, and have rebuilt our assets into a reasonable position.' [...]

: Biden aide says air travel restrictions from Brazil, U.K., Europe will remain, despite Trump’s order

President Donald Trump on Monday announced he will lift coronavirus travel restrictions for foreign citizens entering the U.S. from Brazil and much of Europe -- but the incoming Biden administration says it will leave the ban intact. [...]

Capitol Report: Yellen says smartest thing to do now is ‘act big’ to help struggling Americans

Janet Yellen, President-elect Joe Biden's pick for Treasury secretary, said the smartest thing to do is to 'act big' to help struggling Americans [...]

NewsWatch: These copper-exposed stocks can surge in 2021 as tailwinds line up, Morgan Stanley says

Copper-exposed stocks could be set to surge in 2021 and a buying opportunity may be around the corner, Morgan Stanley analysts said on Monday. [...]

: Here are 3 lessons from the Carrefour mess for M&A buyers eyeing European preys

The writing was on the wall as soon as French economy and finance minister Bruno Le Maire said he wasn’t in favor of the deal. [...]

The Moneyist: My parent had early-onset Alzheimer’s, and I’m afraid I will get it too. How do I split my estate between my girlfriend and daughter?

This letter writer asks: ‘Is it wrong to leave funds passed down from generation to generation solely for my daughter, and leave other funds to my new wife?’ [...]

The No. 1 job in America pays $100,000 a year — and it’s not in Silicon Valley

The annual ‘best jobs’ rankings are based on salary, openings, work-life balance, and stress level. [...]

The Moneyist: My wife has a degenerative neurological disease. My father-in-law wants to put her in a facility — and take over our finances

‘My father-in-law now seems obsessed with moving my wife out of our home to some sort of group home/facility. The mere thought of this seems abhorrent and barbaric.’ [...]

The Moneyist: My coworker owns 10 homes, 9 of which are rented. How did he get a stimulus check while I didn’t?

‘I happened to have inherited my mother’s house, so if I don’t qualify, that’s fine. I’m working.’ [...]

Financially fragile Americans during COVID-19 have difficulty answering these 15 money questions — can you?

A new survey asked who could cover unexpected expenses during the pandemic’s early days. [...]

FDIC Financial Institution Letters
FDIC Press Releases

Consolidated Reports of Condition and Income for Fourth Quarter 2020

Financial Institution Letter January 15, 2021 Federal Deposit Insurance Corporation Office of the Comptroller of the Currency Board of Governors of the Federal Reserve System Consolidated Reports of Condition and Income for Fourth Quarter 2020 The attached materials pertain to the Consolidated Reports of Condition and Income (Call Report) for the December 31, 2020, report date. Please plan to complete as early as possible the preparation, editing, and review of your institution’s Call Report data and the submission of these data to the agencies’ Central Data Repository (CDR). Starting your preparation early will help you identify and resolve any edit… [...]

Banker Webinar: Basics of New Paycheck Protection Program (PPP) Loan Programs

Financial Institution Letter January 11, 2021 Banker Webinar: Basics of New Paycheck Protection Program (PPP) Loan Programs Summary: The Federal Deposit Insurance Corporation, the Board of Governors of the Federal Reserve System, the Office of the Comptroller of the Currency, the National Credit Union Administration, and the Conference of State Bank Supervisors will host a webinar for bankers on Monday, January 11, 2021 from 2:00 p.m. to 3:00 p.m., ET, to discuss recent changes to the Paycheck Protection Program (PPP). During the webinar, officials from the Small Business Administration (SBA) and the U.S. Department of the Treasury (Treasury) will provide… [...]

Information Regarding the FDIC’s Reservation of Authority for Determining Part 363 Compliance Requirements for Insured Depository Institutions (IDIs)

Financial Institution Letter December 28, 2020 The previous update to FIL-116-2020 has been retracted. The correct FIL is as follows: Information Regarding the FDIC’s Reservation of Authority for Determining Part 363 Compliance Requirements for Insured Depository Institutions (IDIs) Summary On October 20, 2020, the FDIC Board of Directors voted to issue an Interim Final Rule (IFR) to provide temporary relief from the Part 363 Audit and Reporting requirements for IDIs experiencing asset growth as a result of their participation in pandemic-related government stimulus programs or related effects. The IFR reserves to the FDIC the authority to require an IDI to… [...]

Information Regarding the FDIC’s Reservation of Authority for Determining Part 363 Compliance Requirements for Insured Depository Institutions (IDIs)

Financial Institution Letter December 28, 2020 Update: FIL-116-2020 has been corrected. Information Regarding the FDIC’s Reservation of Authority for Determining Part 363 Compliance Requirements for Insured Depository Institutions (IDIs) Summary On October 20, 2020, the FDIC Board of Directors voted to issue an Interim Final Rule (IFR) to temporarily ease cost and regulatory burdens on IDIs experiencing asset growth as a result of their participation in pandemic-related government stimulus programs or related effects. The IFR reserves to the FDIC the authority to require an IDI to comply with one or more Part 363 requirements if the FDIC determines that asset… [...]

Information Regarding the FDIC’s Reservation of Authority for Determining Part 363 Compliance Requirements for Insured Depository Institutions (IDIs)

Financial Institution Letter December 22, 2020 Information Regarding the FDIC’s Reservation of Authority for Determining Part 363 Compliance Requirements for Insured Depository Institutions (IDIs) Summary On October 20, 2020, the FDIC Board of Directors voted to issue an Interim Final Rule (IFR) to provide temporary relief from the Part 363 Audit and Reporting requirements for IDIs experiencing asset growth as a result of their participation in pandemic-related government stimulus programs or related effects. The IFR reserves to the FDIC the authority to require an IDI to comply with one or more Part 363 requirements if the FDIC determines that asset… [...]

FDIC Selects 11 Companies to Compete in Final Phase of Tech Sprint

Press Release January 11, 2021 FDIC Selects 11 Companies to Compete in Final Phase of Tech Sprint WASHINGTON – The Federal Deposit Insurance Corporation (FDIC) today announced the selection of 11 companies to compete in the third and final phase of the agency’s Rapid Phased Prototyping Competition, a tech sprint designed to develop an innovative new approach to financial reporting, particularly for community banks. The FDIC selected the following companies to continue to Phase III of this competition: ACTUS Financial Research Foundation, Inc. BearingPoint DSQuorum, LLC (Data Society) Fed Reporter, Inc. Fidelity Information Services, LLC First Data Government Solutions,… [...]

FDIC Announces Personnel Changes

Press Release January 11, 2021 FDIC Announces Personnel Changes WASHINGTON – The Federal Deposit Insurance Corporation (FDIC) has made several personnel changes in its Division of Risk Management Supervision (RMS) and Division of Depositor and Consumer Protection (DCP). Atlanta Regional Director John P. Henrie has been appointed Regional Director, Atlanta Region, directing both RMS and DCP supervision programs for institutions in Florida, Georgia, Alabama, South Carolina, North Carolina, Virginia, and West Virginia. Mr. Henrie has been with the FDIC for more than 33 years and has held a number of leadership positions within RMS, where he most recently… [...]

FDIC Announces Personnel Change in Its Division of Complex Institution Supervision and Resolution

Press Release January 5, 2021 FDIC Announces Personnel Change in Its Division of Complex Institution Supervision and Resolution WASHINGTON – The Federal Deposit Insurance Corporation (FDIC) Board of Directors has appointed John P. Conneely as director of the Division of Complex Institution Supervision and Resolution (CISR). Mr. Conneely has been with the FDIC for more than 30 years and was instrumental in establishing CISR while serving as its Acting Senior Deputy Director. He has held numerous senior leadership roles throughout the FDIC in the Division of Risk Management Supervision, the Division of Insurance and Research, and the Office of Complex… [...]

FDIC Issues List of Banks Examined for CRA Compliance

Press Release January 4, 2021 FDIC Issues List of Banks Examined for CRA Compliance The Federal Deposit Insurance Corporation (FDIC) today issued its list of state nonmember banks recently evaluated for compliance with the Community Reinvestment Act (CRA). The list covers evaluation ratings that the FDIC assigned to institutions in October 2020. The CRA is a 1977 law intended to encourage insured banks and thrifts to meet local credit needs, including those of low- and moderate-income neighborhoods, consistent with safe and sound operations. As part of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA), Congress mandated… [...]

FDIC Releases New Application Programming Interface and Modernized Version of BankFind

Press Release December 21, 2020 FDIC Releases New Application Programming Interface and Modernized Version of BankFind The Federal Deposit Insurance Corporation (FDIC) today announced the release of two bank data tools—the Application Programming Interface (API) for financial data and a modernized version of BankFind. These tools make it simpler for the public to connect with the FDIC by offering easy-to-use interfaces, interactive maps, a sleek mobile-ready experience and modern data delivery options. The new API provides the public with over 1,100 Call Report data variables that financial institutions report quarterly. The API is available on FDIC.gov (banks.data.fdic.gov/bankfind-suite) and Data.gov, and… [...]

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