Let The Biggers Law Firm & Alamo Title Company Help You Discover the #1 Net Sheet & Closing Cost Software in the Country with AlamoAgent 3.0.
With AlamoAgent 3.0 you have the ability to run a Seller's Net Sheet, a Buyer's Quick Estimate and My PITI in the palm of your hand. Just click on the link above and download the App to your Computer, Phone or Tablet. At your fingertips you will have:
- SELLER'S NET SHEET: Regardless of price, neighborhood, or motivation, every seller wants to know the same thing: how much they will I net at close. Run a net sheet in seconds from anywhere.
- BUYERS QUICK ESTIMATE: AlamoAgent delivers the ability to answer questions that come up while house shopping. After simply entering in a house price, this program provides the total monthly payment, (PITI) itemized closing costs, and also the due at closing figures.
- MY PITI: My PITI (Principal, Interest, property Taxes & homeowners Insurance) breaks that desired total monthly payment down into a range of house prices depending on the down payment. My PITI is perfect for open houses.
This product is provided as a general service to the community at large and its use is not conditioned on the referral of title insurance and/or settlement service business.
The Bureau of Consumer Financial Protection (CFPB) is an independent bureau within the Federal Reserve System. The purpose of the CFPB is to promote fairness and transparency for mortgages, credit cards, and other consumer financial products and services.
For more than 30 years, federal law has required all lenders to provide two disclosure forms to consumers when they apply for a mortgage and two additional short forms before they close on the home loan. These forms were developed by different federal agencies under the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA).
To help simplify matters and avoid the confusing situations consumers have often faced when purchasing or refinancing a home in the past, the Dodd-Frank Act provided for the creation of the Consumer Financial Protection Bureau (CFPB) and charged the bureau with integrating the mortgage loan disclosures under the TILA and RESPA.
On November 20, 2013 the CFPB announced the completion of their new integrated mortgage disclosure forms along with their regulations (RESPA Regulation X and TILA Regulation Z) for the proper completion and timely delivery to the consumer. These regulations are known as "The Rule".
TILA-RESPA Integrated Disclosure Rule (aka "The Rule") Guide:
- This guide, published by CFPB, summarizes the TILA-RESPA rule that became effective October 3, 2015. The TILA-RESPA rule applies to most closed-end consumer credit transactions secured by real property.
- While the TILA-RESPA Guide, above, is a helpful tool only the rule and its official interpretations (also known as commentary) can provide complete and definitive information regarding its requirements.
TRID Calendar - Use this interactive calendar to calculate the TRID Calendar requirements relating to CD delivery & Close.
The only 3 Changes on the CD that require a new 3-day Review | Section § 1026.19(f)(2)(ii)
Final Rule and Official Interpretation (as of 2/2016):
- 2013 Integrated Mortgage Disclosures Rule Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z); Correction of Supplementary Information
- Amendments to the 2013 Integrated Mortgage Disclosures Rule Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z) and the 2013 Loan Originator Rule Under the Truth in Lending Act (Regulation Z)
- 2013 Integrated Mortgage Disclosures Rule Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z); Correction
American Land Title Association - ALTA is the national trade association for the title insurance industry.
Texas Land Title Association - TLTA is a statewide trade association representing the Texas title insurance industry.