"The good faith estimate is just what it states; an estimate. The HUD1 (settlement Statement) shows actual closing costs. The lender placed the money into escrow to pay the insurance if there is an overage then it is refunded to you. It would be a violation of RESPA for the mortgage company to be paid any amount that is not listed on the HUD1 outside of closing. A real estate attorney should know this. It is your money since it was taken out of the loan amount and placed in escrow, you should call..."    View Post

"If by chance the Attorney wants to pay the Mortgage Company let him know that by doing so would be a violation of RESPA. The mortgage company can only be paid what is listed on the HUD1 (Settlement Statement) at closing. No party to the transaction can be paid one cent outside of closing. The Lender placed the money in the Attorney's escrow account on your behalf to pay the insurance, the money came from your loan proceeds and if there is an overage then the balance is refunded to you."    View Post

"From what I understand here you refinanced your current mortgage with a different lender. In this case the Mortgage Company is not entitled to your insurance refund. The Mortgage Company can only be paid what is first listed on the good faith estimate and what is listed on the HUD1 (settlement statement) at closing. The mortgage company can not be paid one cent outside of closing, this would be a clear violation of RESPA. From what I gather you rolled the closing costs into the new loan amount so..."    View Post

"Don Smith, phone number 561-630-8466. Fax number 561-630-8107"    View Post

"If I could give you 10 stars I would, a very informative video. If the Democrats have the answer why didn't they do something this time last year, OH I forgot last year was an election year they did not whant to do anything that would make the cabinet look good. The House and the Senate do not know what to do, at this point everything is a gamble. When this all ends the feds will probably dump trillions into the mix. What is scary is that during Omama's speech he said that the brightest financial..."    View Post