We set a pretty high bar for ourselves and this team helps us reach it.TechnologyAt this point we have spent millions building our own custom software to tie our companies and departments together. 

However, when I read over some of Texas law I see this:1) S.A.F.E Act - Seller is required to be licensed (Residential Mortgage Loan Origination (RMLO) license from the Texas Department of Savings and Mortgage Lending when property is not seller's homestead and/or sale is not to family member.2) Also, I read that after 2005 Texas regulation changes - owner financing deal is recorded with county and a trustee has the deed instead of seller. 

Every year there is this big confusion, gets resolved and the next year, things start again.I know I am venting, but is there a department in the banks' loan division that is equipped to deal with these kinds of matter so that it doesn't happen every year?

You could have a lot of headache if she refuses to move out, and call the health department instead.

No problems now in the credit department.

That will slow down soon though in the home building and buying department but it's looking like renting will stay hot.

Why would the water department have a lien on the property?

I went with him to his lawyers office who helped him with the bankruptcy and he said that my neighbor has until the sheriffs sale to sell the home or move out, implying to me that he could still sell the home.We tried finding out who serviced the loan and who owned the loan through our county records department and even they said that the chain of custody of the loan was unclear and unfinished, likely due to the fact that the title company, servicer, and mortgage company that owned the loan all went bankrupt within the last 10 years.

I'm starting to learn the hard way that bills follow the house in GA - trying to resolve a 6-year-old water bill that was deducted from my proceeds when I sold a house in Atlanta, even though I never had an account with the water department.

My bank bank sends LLCs through the business financing department where they deal with seasoning rather than DTI.