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Laws







Cost of Mortgage Insurance

Sometimes lenders will require that LMI be paid for a fixed period (for example, 2 or 3 years), even if the principal reaches 80% sooner than that. Legally, there is no obligation to allow the cancellation of MI until the loan has amortized to a 78% LTV ratio (based on the original purchase price).
Although many [...]

Predatory Lending Laws

Virtually every jurisdiction in the U.S. has predatory lending laws that restrict certain lending practices. Each state has it’s own predatory lending laws, but Cleveland’s provides a perfect example.
The laws in Cleveland dealing with predatory lending can be found in Part 6, Title III, Chapter 659 of the codes. The most important section is 659.02 [...]




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