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Clay,I have a stack of GFEs from California clients that gave them to me after contacting certain "California" lenders. The ones I received illustrated that many have no idea how to properly structure a loan for CA, which has similar laws, and from the looks of it, they do not understand California escrow either. It's interesting to see some of these lenders listed as local lenders when they clearly don't understand the unique nature of how things are done in different areas. But what do I know. I guess I should thank them all for my lovely and quite humorous GFE patterned office wallpaper.
Does anyone else agree that Zillow needs to find a way to prevent lenders from giving "auto" quotes on scenario's? What ever happened to the personal touch and a client specific scenario? Clients are getting flooded with quotes that are far from reality and they are having to dig through the mess to get to the "good" lenders.My 2 cents...
Although this thread says Clay Branch's claims will be investigated by Karen from Zillow, we have not received any calls from Zillow. Because of this, I am posting a response to Clay Branch's claim that NBKC isnot complying with Georgia's fair lending act.As a nationally charted bank, National Bank Of Kansas City isrequired to follow all federal lending laws. We are in good standingwith all federal lending laws and, because we are a national bank, are regularly examined by regulators. In fact, the federal lending laws are generally more stringent than state laws.Mortgage brokers, or lenders that are not regulated banks or institutions, are required to get licensed in each state. Because we are a national bank, we are not required to get licensed. In addition, as stated above, we comply with all federal laws, such as the Federal Fair Lending Act. Additionally, National Bank Of Kansas City has been lending in all 50 states for more than 10 years. We are regulated by the Office of the Comptroller of the Currency (OCC) who exam our loan files to ensure compliance. We also are one of a handful of companies that can fund FHA loans nationally.
Christa - Just so everyone is clear, what you basically saying is that you are exempt from GAFLA, correct? You specifically spoke about being federally regulated, but I didn't see a direct response to Clay's question.
FACT: NBKC's mortgage dept run by Mark KnopflerFACT: Mark Knopfler was lead singer/front man for 80's rock band "Dire Straights"FACT: Dire Straights famous MTV song lyrics included the line " get your MONEY for NOTHIN' (and your chicks for free)FACT: Mark Knopfler is a huge Georgia Football fan and offers free money to the residents of the state of Georgia
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