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Homes in Carmel
Luxury Real Estate & Homes for sale in Carmel CA
Luxury Real Estate & Homes for sale in Carmel CA
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Homes in Carmel's posts

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This is what living is all about....
Check out our website at http://homesincarmel.com

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Simply the Best... Thanks to everyone who voted for our office in Carmel by the Sea.

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So, if buying a home this holiday is not going to happen, you can still enjoy Carmel - Check this out...

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Okay, I'm done posing, now can I have my bone back?
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Tommy having fun on the beach. He loves fetching the stick but seems annoyed when it gets thrown back out into the water...
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This article orginally appeared in The New York Times.

The so-called jumbo mortgage market is strong, competitive, and growing, with more lenders, and more loan products now being offered, which means it’s more important than ever to comparison-shop.

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California Homeowner Bill of Rights signed into law

Making sense of the story
• The Bill of Rights prohibits “dual track” foreclosures that occur when a mortgage servicer continues foreclosure while also reviewing a homeowner’s application for a loan modification.
• Under the new law, homeowners must be provided with a single point of contact when negotiating a loan modification.
• It expands notice requirements that must be provided to a borrower before taking action on a loan modification application or pursuing foreclosure.
• Additionally, the bill allows injunctions against foreclosure until violations are corrected and permits civil penalties against servicers that file multiple, inaccurate mortgage documents or commit reckless or willful violations of law.
• These new laws make California the first state in the nation to take provisions in the National Mortgage Settlement, which covered the nation’s five largest mortgage loan servicers, and apply those rules to all mortgage servicers.
• The law will go into effect January 1, 2013.

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