Mortgage Licensing Act of 2008 to revise the Act's civil liability immunity provisions and to temporarily allow loan originators that meet specified requirements to continue to originate loans after moving: From one state to another, or From a depository institution to a non-depository institution.Title 1, Section 109 will amend the TRID rules to remove the 3-day waiting period requirement if the consumer received a second offer of credit from the same lender with a lower rate.

Couples can enter into a post-nuptial agreement called a 'Transmutation Agreement' under section 852 of the California Civil 'Family Code': http://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?

Ran into this recently with an agent in Palm Desert as well.My understanding is there's litigation in SLT over this issue.

@Christine Kankowski it’s just that simple, get a lawyer, however if you have the cash flow or funds available to recover that loss and compare the cost of litigation with the funds needed to recapture that loss it may just be cheeper to report it as a loss.

If there are major changes talk to a Civil Engineer in the area that works in Land Development for a second opinion.Cut and fill (soil) can change the surface runoff but usually does not have an effect on the water table or aquifer.

•Identify Funding Options-Local Banks, Investors•Arrange Agenda Set Up meetingsSite VisitDay 1 Agenda•Fly in Late Afternoon•Obtain Rental car and Hotel Check in•Attend REIA Club•Drive properties •Stop at the local police branch and ask them if they have any crime reportsDay 2 Agenda•Meet RE Broker #1 at property•Meet RE Broker #2 at @ Office•Lunch with Local Lender•Meet RE Broker # 3 at Office•Dinner with RE Lawyer•Drive Path of ProgressDay 3 Agenda•Meet with Appraiser•Meet with Property Manager #1•Meet with Property Manager #2•City Hall Meet with Economic Developer, Building Dept and Assessor Office•Lunch with Litigation Attorney•Meet with Property Inspector/EngineerPost Visit Follow Up•Continue relations with your local team•Reach further into the market increase broker connections•Arrange Quarterly Inspection of Acquired properties•Increase local contacts Property Inspection ChecklistNeighborhood•Main road?

The average age of the world’s greatest civilizations from the beginning of history has been about 200 years.

I'm all for a system where everyone is provided with at least a minimum standard for care, with people (like me) having the right to choose and pay for private care anytime I want.This is the way it works for lots of stuff in this country (civil defense, municipal utilities, public transportation, broadcast TV, etc); I don't see people complaining that local police forces providing a standard of security are a socialistic concept...why is health care any different?

The reason: horrible stuff can happen to otherwise moral people, all of which can completely trash a heretofore decades-old pristine payment history--accidents, uncooperative health insurance adjusters, sudden unemployment, expensive litigation, divorce with unsatisfactory terms, personal tragedies of all kinds, etc.Consider this: Credit scores, and the credit reports that underlie them, have become a kind of "Human Worth Quotient" rather than simply a flexible credit score.

Someone a few months back posted an article that essentially said after a certain point, beyond wear and tear, it can become vandalism and move the matter beyond a civil issue to a criminal one.