Posts from October 2015
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22
Karl Larsen Awarded Iowa City Newcomer of the Year
Karl Larsen, a Realtor in the Ruhl&Ruhl Iowa City office, has been awarded the Newcomer of the Year by the Iowa City Area Association of Realtors.
"Karl earned and deserves this award as there is no harder worker," said Travis Hiatt, Managing Broker of the Ruhl&Ruhl Realtors Iowa City office. "I'm very proud of what he's done with himself and his business."
Formally a paralegal in the US Army, Larsen joined Ruhl&Ruhl Realtors and the real estate business in 2013.
"I became a realtor for a variety of reasons," said Larsen. "Creating my own business with my own schedule and having the potential for future financial freedom were the main positives. I just knew it was the right thing to do."
Voted on or selected by his peers,...
14
New National Mortgage Process May Slow Real Estate Transactions
A new TILA RESPA Integrated Disclosure (TRID) rule went into effect from the Consumer Financial Protection Bureau (CFPB) requiring new disclosure forms and longer timeframes to approve documentation during the lending process. For example, the closing disclosure (CD) must be provided to a client three days before closing. This means that closings will be pushed back a) if the paperwork is not correct, b) if the paperwork is not provided in a timely manner or c) if certain changes are made to the annual percentage rate (APR) or loan product. Pushing back a closing date to a buyer or seller could mean that they have nowhere to stay as people often plan their housing (and moving dates) around the closing. Also, this new rule makes it mandatory for people to take seve...
