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What Home Buyers Should Know about Mortgage Insurance

You can buy a home with as little as 3% down, but there is a catch! When you finance your home purchase with less than 20% down, you will be required to carry mortgage insurance. The mortgage insurance protects the lender from financial losses if you default on the loan and fall into foreclosure.

Mortgage insurance is commonly referred to as PMI (Private Mortgage Insurance) or MIP (Mortgage Insurance Premium.) Simply put:

California Supreme Court to Live-Stream Oral Arguments on Case Determining Representation in Dual Agency Real Estate Transactions

On September 7, 2016, the California Supreme Court will be hearing oral arguments on a case that could have ramifications for how real estate agents work not only in California, but across the country. Hiroshi Horiike v Coldwell Banker Residential Brokerage Company et. al. calls into question the representation owed by real estate agents and brokers to the parties of a dual agency transaction.

NAEBA Announces Strictest Code of Ethics and Standards in the Real Estate Industry

The National Association of Exclusive Buyer Agents (NAEBA) announces that it has released a new Code of Ethics and Standards of Practice, rules by which its members must abide. Because NAEBA members only work with buyers and never sellers, the organization is able to make its standards more stringent than other organizations of real estate agents.

REALTOR® Organizations Increasing Consumer Confusion on Real Estate Representation

Recent actions by the staff of state and local REALTOR® organizations are leaving members of the National Association of Exclusive Buyer Agents (NAEBA), nearly all of whom are also members of their local REALTOR® organizations, concerned about consumer protection in real estate. Like many trade organizations, the National Association of REALTORS’® goal is to improve business for its members.