CFPB Wells Fargo Case

The Consumer Financial Protection Bureau has rightly emerged as the hero in the story this month about fraudulent practices at Wells Fargo. The bureau was the lead agency in the investigation of the bank, where some 5,300 employees (now fired) illegally opened millions of unauthorized bank and credit card accounts in customers’ names in order

In the last year a new rule was placed on the lender for real estate closing transactions. The new regulation include the Three Day Closing Disclosure Rule, which can affect the date of a closing. This graphic serves as a reference tool that follows in compliance with the regulated Closing Disclosure timeline, which lenders must adhere to.  

Happy Birthday to Us!

There is a common misconception that Title Stream is still a company in its infancy, having turned 3 this year.  Title Stream, LLC was formerly known as Stewart Title of Louisiana, changing its name on July 1, 2013 and becoming 100% locally owned. Previously operating under the name of Stewart Title of Louisiana, it was a

1031 Tax Deferred Exchange Basics

"No gain or loss shall be recognized on the exchange of property held for productive use in a trade or business or for investment, if such property is exchanged solely for property of like-kind which is to be held either for productive use in a trade or business or for investment." Purpose: to defer taxation

Buy Baton Rouge

Meet Olivia Byers, our new attorney at the Baton Rouge office, as she dives into what makes purchasing property in Baton Rouge such a good idea: Baton Rouge is seeing an emergence of growth. The real estate market in the Capital City is hot, hot hot! We are seeing houses in the city and surrounding

Cyber Security: Email Hack

In today's world where identity theft and cyber-attacks are becoming more prolific, agents should be aware of how these new threats could potentially affect their clients.   Recently at the Louisiana Land Title  convention held in New Orleans, attorneys from title companies across Louisiana were discussing the newest threats to their clients and specific instances

CFPB Changes Summarized

It is important to remember that the changes coming October 3rd apply only to CLOSED-Ended Mortgage Transactions or transactions secured by real property with a finite term. They do not apply to HELOCS, Reverse Mortgages, Land and Mobile Home Loans. The Lender will be delivering to your Buyer their Loan Estimate (replacing the Good Faith

TRID & Cash Sale Investments

Just last week Title Stream handled two closings where a national lender issued HUD approval the day of the closing. The Consumer Financial Protection Bureau’s new implementation of the TILA-RESPA Integrated Disclosure which takes effect October 3rd, 2015, would have prohibited this and the closing would have been delayed. Experts are predicting that 45-60 day loan approvals

If August in Louisiana is hot, then the real estate market in the Greater New Orleans Area is on fire. For the third year in a row the cost of buying a home in the New Orleans area has risen. The 10 year anniversary of Katrina marks a milestone showcasing this city's resilience in its