News & Analysis as of

Fannie Mae Updates Numerous Selling Policies

On May 27, Fannie Mae announced in Selling Guide Announcement SEL-2014-06 numerous selling policy updates. The announcement includes changes to Fannie Mae policies related to cash-out refinance transactions...more

Loan Financing Remains an Attractive Option in Southeast Asia

The second annual Borrowers & Investors Forum, Southeast Asia was held in late 2013 in Singapore. The forum explored fixed income funding and portfolio opportunities in the region....more

CMBS unresolved

S&P announced this week that over €10bn of loans backing European CMBS transactions that it rates could need refinancing next year (SCI 3 December). About €3bn of the €13bn of loans scheduled to mature in 2014 has been...more

Energy Law Insight: Twist In The Tale Of The Term B Loan

The institutional debt market for energy projects is fired up, particularly for Term B Loan refinancing....more

South Carolina Supreme Court: Lenders Modifying Loans Do Not Engage in Unauthorized Law Practice

The South Carolina Supreme Court recently ruled that lender loan modifications do not constitute the unauthorized practice of law....more

What Factors Establish The Lien Priority Of A Refinanced Loan?

The legal doctrine of "equitable subrogation" has recently become familiar to lenders who refinanced or will be refinancing existing loans secured by real property....more

Beware of Intervening Liens in Subordination Agreements

Most lenders that service second mortgages or equity lines have received requests to subordinate their loan to a subsequent refinance loan. Many times these requests come years after the refinance loan was closed. Most...more

CFPB Final Ability-To-Repay Rule Prompts Cautious Optimism from Industry

The CFPB has issued its long-awaited ability to repay/qualified mortgage rule, and at first glance, it appears to warrant cautious optimism for the mortgage industry....more

Singapore Money Saving Tip - Refinancing In A Recession

The recent economic downturn have resulted in many of us tightening our belts. Everyone is looking for ways to reduce their spending. We often overlook the very obvious method (and also substantial) savings through...more

Maryland taxes on refinancings to increase – the end of (new) "IDOTS"

On May 22, 2012, Maryland's Governor O'Malley signed legislation mandating that indemnity mortgages and indemnity deeds of trust will be subject to recordation taxes. Property owners now have just over a month to refinance...more

Commercial Owners Should Expect Bumpy Road to Refinancing

For businesses in the San Jose area or within California requiring more information, contact the Wade Law Group at (888) 909-9430 or email Amiel Wade directly....more

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