Piano Teachers at Schoolofmusic (Salem, OR)
schoolofmusic.com needs piano teachers to teach in students' homes, in teacher's studios, in school programs, and online. A degree or significant college training in your instrument is required. Call:...
Source: www.simplyhired.com
REAL ESTATE SETTLEMENT PROCEDURES ACT (RESPA) LITIGATION UPDATE
A recent RESPA litigation ruling by the United States Sixth Circuit Court of Appeals in Cincinnati, Ohio sparked headlines this week when they overturned a district court ruling denying class certification in the Erik C. Carter, et. al., United States of America v. Welles Bowen Realty, Inc. et al lawsuit. No. 07-3965.
The issue at dispute is whether a Section 8 claim of the Real Estate Settlement Procedures Act violation gives consumers "standing even if the consumer does not allege an above-market race charge for services, i.e. an 'overcharge.'" The district court previously held that because the defendants did not over charge the consumers they didn't suffer an injury but the appellate court has overturned the district courts decision.
Welles-Bowen Title Agency is a joint venture affiliated business arrangement, owned by Welles-Bowen Realty, Inc. and Chicago Title Insurance Company--a Fidelity subsidiary. The alleged problem with the relationship however appears to be that Welles-Bowen Title Agency did not really perform any settlement work, review title, or even conduct the closings. However, Chicago Title gave Welles-Bowen Realty, Inc. seventy percent (70%) of the fees and title policy money generated. If the allegations are true then this relationship would appear to be an illegal sham affiliated business arrangement under federal RESPA guidelines. There are other issues at play as well, such as the State of Ohio's affiliated business arrangement ownership and profit requirements but those were not addressed in this appellate decision.
Source: www.respalawyer.com
Industrial Distribution Sales Manager at Business Services Company (Portland, OR)
Job Description/Responsibilities: Manages branch sales force to maximize profits and minimize expenses. Ensures the achievement of branch sales/profit goals. Assesses area potential and develops annual branch business plans to ensure...
Source: www.simplyhired.com
REAL ESTATE SETTLEMENT PROCEDURES ACT: RESPA SECTION 10 GUIDELINES
The Real Estate Settlement Procedures Act (RESPA) has strict guidelines on Escrow Accounts under Section 10. Sec. 10 places limits on the amount of money a lender requires a borrower to hold in an escrow account for payment of taxes, homeowners insurance, flood insurance, private mortgage insurance, or any other charge related to the property. RESPA's Section 10 does not require that all loans have an escrow account, instead it regulates the maximum amount of money that can be deposited into an escrow account.
Lenders under Section 10 must conduct a escrow account analysis at least once a year and if there is a shortage they must notify the borrower of the problem and if a borrower's escrow account has more than $50.00 the lender is required to refund the borrower the difference.
Source: www.respalawyer.com
Surrogate mother - Wikipedia, the free encyclopedia
Surrogate mother - Wikipedia, the free encyclopedia A surrogate mother or ersatz mother is a woman who carries a child for a couple or … The surrogate mother may be the baby’s biological mother (traditional …
Source: surrogateplan.com
Guitar Teachers at Schoolofmusic (Eugene, OR)
schoolofmusic.com's website provides an opportunity to apply for music teaching opportunities for guitar teachers who read music and understand theory. We advertise extensively in areas where we have instructors with openings to develop...
Source: www.simplyhired.com
REAL ESTATE SETTLEMENT PROCEDURES ACT REQUIRED USE SECTION 9 VIOLATIONS BY HUD SAYS ALTA
The American Land Title Association (ALTA) sent a letter to the Federal Housing Administration asserting that Department of Housing and Urban Development is violating Section 9 of the Real Estate Settlement Procedures Act (RESPA) with regards to the HUD-designated closing agent stipulation on all HUD properties for sale.
Section 9 of RESPA prohibits the seller of property from requiring the use of a particular title company unless the seller pays for all the borrowers title closing costs. Housingwire.com has more information on the letter sent to HUD by ALTA.
Source: www.respalawyer.com
Living Will Directive and Health Care Surrogate Designation (PDF)
Living Will Directive and Health Care Surrogate Designation (PDF)… name of surrogate) as my. health care surrogate(s) to make any health care decisions for me in … 00.07.05: Ethical Problems Surrounding Surrogate Motherhood Yale-New Haven Teachers Institute. Home. Ethical Problems Surrounding Surrogate Motherhood. by. Grayce P. Storey. Contents of Curriculum Unit 00.07.05: My unit will be [...]
Source: surrogateplan.com
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