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About
Latest Posts

Higher Source Sites

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

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. [...]

How to Plan an Outdoor Movie Night

How to Plan an Outdoor Movie Night

See the stars in your own backyard ... on your DIY big screen, that is. [...]

Prepare for the Ultimate Staycation

Rule #1 of the best week off at home: Plan ahead. [...]

Why I’m grateful for the lessons and hardship of 2020

Why I’m grateful for the lessons and hardship of 2020

It has been a year of unprecedented anxiety and hardship — the phrase “dumpster fire” keeps getting tossed around — but I can’t help feeling grateful for so much of what has happened this year and the resilience it has produced in all of us and in our industry. [...]

NYC carpenters union cracks down on members suspected of mob ties

NYC carpenters union cracks down on members suspected of mob ties

The New York City District Council of Carpenters will expand its authority to bring charges against union members suspected of engaging in organized crime. [...]

Read: Inman’s complete interview with CoStar CEO Andy Florance

Read: Inman’s complete interview with CoStar CEO Andy Florance

Brad Inman sat down with Florance to talk about CoStar's business model, plans for Homesnap and a possible CoreLogic deal. By popular demand, we've transcribed the interview. [...]

‘We’re in a perfect storm’: Luxury real estate in Arizona is heating up

‘We’re in a perfect storm’: Luxury real estate in Arizona is heating up

With bidding wars, appraisal waivers and an influx of out-of-state buyers, demand for high-end real estate is raising the specter of an unbridled luxury market. [...]

Title fraud cases surge 31% in Q3

Title fraud cases surge 31% in Q3

In addition to title fraud, a new report by FundingShield also noted a 90 percent increase in state licensing issues between the second and third quarters of 2020. [...]

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] [...]

People who are waiving inspections to be competitive, are you getting an inspection done after sale for peace of mind?

submitted by /u/Koga_The_King [link] [comments] [...]

Will an appraiser be moving furniture around, taking down pictures etc.

So my lanlord told me that he is having an appraiser come by and I just wanted to know if it was like a super invasive process or are they just gonna come in snap some pictures and measure the rooms? I have pictures hanging and posters should I be prepared to take everything down? submitted by /u/Throwaway090109302 [link] [comments] [...]

Can I demand a refund if the title abstractor on my refinance did not remit full escrow tax payment? [NYC]

I recently closed on a vanilla mortgage refinance in NYC. Since my quarterly property tax is due within 60 days of closing, the bank required the title abstractor to escrow and remit my next property tax payment. I just looked up my account balance with the city and it appears that the full amount that was collected in escrow was not remitted to the city because my actual property tax due was less than what they collected. Questions: * Is the abstractor required to refund me automatically or do I need to request it? * Assuming I do need to… [...]

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

: Trump says he will leave White House if Electoral College affirms Biden win, which he says would be a ‘mistake’

: Trump says he will leave White House if Electoral College affirms Biden win, which he says would be a ‘mistake’

President Donald Trump said Thursday that he will leave the White House if the Electoral College formalizes President-Elect Joe Biden's victory — even as he insisted such a decision would be a “mistake." [...]

NewsWatch: Legendary investor called this stock market a ‘Real McCoy’ bubble, and now Jeremy Grantham’s fund is trailing the S&P 500 by 14 percentage points

NewsWatch: Legendary investor called this stock market a ‘Real McCoy’ bubble, and now Jeremy Grantham’s fund is trailing the S&P 500 by 14 percentage points

Jeremy Grantham, co-founder and chief investment strategist at Boston-based money manager Grantham, Mayo, Van Otterloo & Co., has seen his fund badly trail the broader stock market in 2020. [...]

NewsWatch: Legendary investor called this stock market a ‘Real McCoy’ bubble, and now Jeremy Grantham’s fund is trailing the S&P 500 by 14 percentage points

NewsWatch: Legendary investor called this stock market a ‘Real McCoy’ bubble, and now Jeremy Grantham’s fund is trailing the S&P 500 by 14 percentage points

Jeremy Grantham, co-founder and chief investment strategist at Boston-based money manager Grantham, Mayo, Van Otterloo & Co., has seen his fund badly trail the broader stock market in 2020. [...]

The Tell: Legendary investor called this stock market a ‘Real McCoy’ bubble, and now Jeremy Grantham’s fund is trailing the S&P 500 by 14 percentage points

The Tell: Legendary investor called this stock market a ‘Real McCoy’ bubble, and now Jeremy Grantham’s fund is trailing the S&P 500 by 14 percentage points

Jeremy Grantham, co-founder and chief investment strategist at Boston-based money manager Grantham, Mayo, Van Otterloo & Co., has seen his fund badly trail the broader stock market in 2020. [...]

Market Extra: Bitcoin price plunges over 10% to stage Thanksgiving correction

Market Extra: Bitcoin price plunges over 10% to stage Thanksgiving correction

Bitcoin prices tumble Thanksgiving Thursday, with the No.1 cryptocurrency, pulling back sharply after it was on the verge of notching its first all-time high in about three years. [...]

The Tell: Legendary investor called this stock market a ‘Real McCoy’ bubble, and now Jeremy Grantham’s fund is trailing the S&P 500 by 14 percentage points

The Tell: Legendary investor called this stock market a ‘Real McCoy’ bubble, and now Jeremy Grantham’s fund is trailing the S&P 500 by 14 percentage points

Jeremy Grantham, co-founder and chief investment strategist at Boston-based money manager Grantham, Mayo, Van Otterloo & Co., has seen his fund badly trail the broader stock market in 2020. [...]

The Moneyist: I have 8 nieces and nephews. What is the appropriate age to stop giving envelopes full of money during the holidays?

The Moneyist: I have 8 nieces and nephews. What is the appropriate age to stop giving envelopes full of money during the holidays?

‘Sometimes, we don’t even see the kids for the holidays and we’re just pushing around cards and envelopes.’ [...]

The Moneyist: My fiancé and I have 3 kids each. My stepson, 16, ‘forgot’ his Christmas gift last year. Should I get him nothing this year?

The Moneyist: My fiancé and I have 3 kids each. My stepson, 16, ‘forgot’ his Christmas gift last year. Should I get him nothing this year?

‘I spent the last 2 years trying very hard to be kind to him, and to always greet him and include him regardless of his attitude. But recently, I just no longer care about his approval.’ [...]

IRS has 1 million unprocessed returns and 3 million pieces of unopened mail after COVID-19 wreaked havoc on tax season

IRS has 1 million unprocessed returns and 3 million pieces of unopened mail after COVID-19 wreaked havoc on tax season

‘Our employees went through the same exact thing as every other American during COVID,’ said IRS Commissioner Charles Rettig. [...]

The Moneyist: ‘I lost my mom 2 months ago and I’m still in a fog’: My brother and his family moved into her home. They want more than half

The Moneyist: ‘I lost my mom 2 months ago and I’m still in a fog’: My brother and his family moved into her home. They want more than half

‘My sister-in-law and her 2 children feel that I have “played” my brother and that it seems “fishy” that I didn’t push to sell the house long ago.’ [...]

FDIC Financial Institution Letters
FDIC Press Releases

FDIC Board of Directors' Actions

FDIC Board of Directors' Actions

Board Materials November 20, 2020 FDIC Board of Directors' Actions The Federal Deposit Insurance Corporation’s Board of Directors approved three proposals by notational vote. Materials and information relative to the Board actions are below. Interim Final Rule to Temporarily Change Asset Thresholds for the Applicability of Certain Rules Statement by Chairman Jelena McWilliams Press Release Financial Institution Letter Interagency Interim Final Rule Notice of Proposed Rulemaking on Assessments, Amendments to Address the Temporary Deposit Insurance Assessment Effects of the Optional Regulatory Capital Transitions for Implementing the Current Expected Credit Losses Methodology Financial Institution Letter Notice of Proposed Rulemaking … [...]

Bank Secrecy Act: Joint Fact Sheet for Charities and Nonprofit Organizations

Bank Secrecy Act: Joint Fact Sheet for Charities and Nonprofit Organizations

Bank Secrecy Act Joint Fact Sheet November 19, 2020 Joint Fact Sheet on Bank Secrecy Act Due Diligence Requirements for Charities and Nonprofit Organizations Federal financial institution regulatory agencies are issuing a joint fact sheet to provide clarity on how to apply a risk-based approach to meeting the customer due diligence (CDD) requirements contained in FinCEN’s 2016 CDD Final Rule when providing services to charities and other non-profit organizations. This joint fact sheet does not alter existing Bank Secrecy Act/Anti-Money Laundering (BSA/AML) legal or regulatory requirements, nor does it establish new supervisory expectations. Financial Institution Letter Press Release Fact… [...]

Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Puerto Rico Affected by Severe Storms and Flooding

Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Puerto Rico Affected by Severe Storms and Flooding

Financial Institution Letter November 16, 2020 REGULATORY RELIEF: Guidance to Help Financial Institutions and Facilitate Recovery in Areas of Puerto Rico Affected by Severe Storms and Flooding Summary: The FDIC has announced a series of steps intended to provide regulatory relief to financial institutions and facilitate recovery in areas of Puerto Rico affected by severe storms and flooding. A copy of the Guidance can be found on the FDIC's website. Statement of Applicability to Institutions with Total Assets Under $1 Billion: This Financial Institution Letter (FIL) applies to all FDIC-supervised financial institutions. Distribution: FDIC-Supervised Institutions in Puerto Rico Read the… [...]

Interagency Statement: LIBOR Transition for Loans

Interagency Statement: LIBOR Transition for Loans

Financial Institution Letter November 6, 2020 Interagency Statement: LIBOR Transition for Loans Summary The Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency and the Board of Governors of the Federal Reserve System (collectively, the agencies) have issued a joint statement reiterating that a bank may use any reference rate for its loans that the bank determines to be appropriate for its funding model and customer needs. However, the bank should include fallback language in its lending contracts that provides for use of a robust fallback rate if the initial reference rate is discontinued. A copy of… [...]

The FDIC Publishes Sound Practices to Strengthen Operational Resilience

The FDIC Publishes Sound Practices to Strengthen Operational Resilience

Financial Institution Letter November 2, 2020 The FDIC Publishes Sound Practices to Strengthen Operational Resilience Summary The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation today published an interagency paper titled "Sound Practices to Strengthen Operational Resilience." The sound practices paper brings together existing regulations and guidance as well as common industry standards to provide a comprehensive approach that banks may use to strengthen and maintain their operational resilience. The agencies are not revising existing rules or guidance. The sound practices paper is attached along with an explanatory… [...]

FDIC Board of Directors' Actions

FDIC Board of Directors' Actions

Board Materials November 20, 2020 FDIC Board of Directors' Actions The Federal Deposit Insurance Corporation’s Board of Directors approved three proposals by notational vote. Materials and information relative to the Board actions are below. Interim Final Rule to Temporarily Change Asset Thresholds for the Applicability of Certain Rules Statement by Chairman Jelena McWilliams Press Release Financial Institution Letter Interagency Interim Final Rule Notice of Proposed Rulemaking on Assessments, Amendments to Address the Temporary Deposit Insurance Assessment Effects of the Optional Regulatory Capital Transitions for Implementing the Current Expected Credit Losses Methodology Financial Institution Letter Notice of Proposed Rulemaking … [...]

Bank Secrecy Act: Joint Fact Sheet for Charities and Nonprofit Organizations

Bank Secrecy Act: Joint Fact Sheet for Charities and Nonprofit Organizations

Bank Secrecy Act Joint Fact Sheet November 19, 2020 Joint Fact Sheet on Bank Secrecy Act Due Diligence Requirements for Charities and Nonprofit Organizations Federal financial institution regulatory agencies are issuing a joint fact sheet to provide clarity on how to apply a risk-based approach to meeting the customer due diligence (CDD) requirements contained in FinCEN’s 2016 CDD Final Rule when providing services to charities and other non-profit organizations. This joint fact sheet does not alter existing Bank Secrecy Act/Anti-Money Laundering (BSA/AML) legal or regulatory requirements, nor does it establish new supervisory expectations. Financial Institution Letter Press Release Fact… [...]

FDIC Seeks Financial Advisor to Establish New “Mission-Driven Bank Fund” to Support FDIC-Insured Minority Banks and Community Development Financial Institutions

FDIC Seeks Financial Advisor to Establish New “Mission-Driven Bank Fund” to Support FDIC-Insured Minority Banks and Community Development Financial Institutions

Press Release November 18, 2020 FDIC Seeks Financial Advisor to Establish New “Mission-Driven Bank Fund” to Support FDIC-Insured Minority Banks and Community Development Financial Institutions WASHINGTON—The Federal Deposit Insurance Corporation (FDIC) today announced a competition to choose one or more experienced financial advisors to support the development of a new Mission-Driven Bank Fund. The Fund will provide a vehicle for private sector and philanthropic investment in FDIC-insured Minority Depository Institutions (MDIs) and Community Development Financial Institutions (CDFIs). The selected financial advisor(s) will work with the FDIC to develop a structure and operational aspect for the Fund. Interested firms should… [...]

FDIC Chairman Jelena McWilliams’s Statement on SEC Chairman’s Tenure

FDIC Chairman Jelena McWilliams’s Statement on SEC Chairman’s Tenure

Press Release November 17, 2020 FDIC Chairman Jelena McWilliams’s Statement on SEC Chairman’s Tenure Federal Deposit Insurance Corporation Chairman Jelena McWilliams issued the following statement on Securities and Exchange Commission (SEC) Chairman Jay Clayton’s plans to step down at the end of the year. “It has been a privilege to serve alongside SEC Chairman Jay Clayton. His profound professionalism, personal integrity, deep understanding of financial markets and dedication to public service have been evident in every single interaction we have had over the past few years. While I will miss his presence, intellect and engaging demeanor in Washington, I… [...]

New Report Highlights the Contributions of Community Banks to the Paycheck Protection Program

New Report Highlights the Contributions of Community Banks to the Paycheck Protection Program

FDIC Research November 6, 2020 New Report Highlights the Contributions of Community Banks to the Paycheck Protection Program An analysis of call report data from FDIC-insured banks finds that community banks are playing a vital role in supporting small businesses through the Small Business Administration’s Paycheck Protection Program (PPP). Community banks hold nearly a third of all bank-held PPP loans, compared to holding only 15 percent of all bank loans, according to a new FDIC report, “The Importance of Community Banks in Paycheck Protection Program Lending,” which will be published in an upcoming FDIC Quarterly. Specifically, the FDIC found… [...]