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Wednesday, May 12, 2010

Tomorrow's the Big Day

Yes, according to the new federal S.A.F.E. act I will be taking my required national mortgage licensing test tomorrow morning.  Even though being a mortgage broker has been my profession for the past 14 years I will comply the new requirements.  This test covers mortgage knowledge, ethics, federal law and standard practices and consists of 100 questions of which one must score a 75 or higher.  Other requirements are 20 hours of education with an annual booster of 8 hours, the state test, background check, fingerprints and credit report.  I can't wait.  These requirements are in addition to the new RESPA requirements which went into force Jan. 2010 including the new Good Faith Estimate which in my opinion is much more confusing to the general public than the old one. What's the expression?  "we're from the government and we're here to help"!!??

Rates are still super low, in the 4's for a 30 and low 4's for a 15.

Would love to talk to you.
Posted by Guy M. Petit-Clerc at 5:31 PM