Kevin W Hardin

Kevin W. Hardin is a 22 year veteran of the Mortgage and Real Estate industries. He holds a Juris Doctor (JD) degree from Concord Law School and a CMB (Certified Mortgage Banker) from the Mortgage Bankers Association. He is a Senior Loan Officer at HomeStreet Bank. He works with Borrowers, Attorneys, Title Companies, Real Estate Agents and Mortgage Companies on mortgage law issues.

About Kevin Hardin

Kevin W. Hardin is a 22 year veteran of the Mortgage and Real Estate industries. He holds a Juris Doctor (JD) degree from Concord Law School and a CMB (Certified Mortgage Banker) from the Mortgage Bankers Association. He is a Senior Loan Officer at HomeStreet Bank. He works with Borrowers, Attorneys, Title Companies, Real Estate Agents and Mortgage Companies on mortgage law issues.

Is My Home Value Accurate or Inaccurate on Zillow

Is My Home Value Accurate or Inaccurate on Zillow? I would argue that there is no such thing as an accurate value for a single family home. Zillow is in the news again over its Instant Offer program. Realtors are screaming that Zillow is cutting them out. Industry pundits are claiming that Realtors are a dying breed. The whole thing is really silly. What is the true value of a home? Well, it is … [Read more...]

July Dodd-Frank Progress Report

July Dodd-Frank Progress Report Dodd-Frank was signed into law in 2010. The Dodd-Frank Act created the Consumer Financial Protection Bureau (CFPB). The CFPB was founded in July of 2011. The Dodd-Fank Act gave the CFPB rulemaking authority. Davis Polk has just released its progress report on that rulemaking progress. There are 390 total rulemaking requirements in the Dodd-Frank Act. These … [Read more...]

Kevin W Hardin

Kevin W Hardin BIO The Mortgage Mediation Group assists homeowners, attorneys, realtors, loan officers, and other professionals with issues related to Mortgages. These issues may be Credit Report Errors, Short Sale, Loan Modification, Foreclosure, Deficiency, RESPA, TILA and Post Foreclosure-related claims under the California Homeowner Bill of Rights. Kevin W Hardin is the Specialized … [Read more...]

CFPB Trid Rule Correction

CFPB Monitor - TRID rule technical correction? TRID rule technical correction? Posted: 10 Feb 2016 06:58 AM PST Richard J. Andreano, Jr. In today’s Federal Register the CFPB published a correction to the TILA/RESPA Integrated Disclosure (TRID) rule supplementary information as published on December 31, 2013 with regard to property taxes and certain similar … [Read more...]

Short Sales Not Extinct Yet

Short Sales Not Extinct Yet Unlike the dinosaur, Short sales are not extinct yet. However, the number of short sales has reduced dramatically as many Arizona and California homeowners have recovered much of their equity. Today, there are still Arizona and California homeowners that think that short sales have gone away but, short sales are not extinct yet. Why have they come back or … [Read more...]

CFPB Is Not Self Funded

CFPB Is Not Self Funded If the CFPB is not self funded, then how are they funded? I have been to many a presentation by various parties in the real estate industry that represent that the CFPB is self funded, however the CFPB is not self funded. Let's start with how they came into existence. You can read the long version at the The CFPB strategic plan, budget, and performance plan and … [Read more...]

Steering Consumers to Higher Interest Rates Costs Mortgage Company $19 Million

CFPB Orders RPM Mortgage to Pay $19 Million for Steering Consumers Into Costlier Mortgages It appears that mortgage companies and loan officers still do not grasp the full extent of the Consumer Financial Protection Bureau's (CFPB) effort to protect consumers from higher loan costs from steering consumers into higher interest rates. The CFPB announced today new fines for RPM Mortgage. The … [Read more...]

PAY-TO-PLAY MORTGAGE KICKBACK SCHEME

PAY-TO-PLAY MORTGAGE KICKBACK SCHEME   It seems like every day we are hearing about another enforcement action by the CFPB. This time it was against a Title Company and Mortgage Loan Officers. See announcement from the CFPB here Their scheme is being called a Pay-To-Play Mortgage Kickback Scheme. They knew it was wrong and illegal, if not, why did they create separate companies to … [Read more...]

Expiration of The Mortgage Forgiveness Debt Relief Act

Expiration of The Mortgage Forgiveness Debt Relief Act Did it kill short sales? It should have had little impact on them. Expiration of The Mortgage Forgiveness Debt Relief Act (MDRA) has left questions in the minds of Arizona and California homeowners. Will homeowners owe a tax to the IRS if their lender forgives their mortgage debt in a foreclosure or short sale? While there are many articles … [Read more...]

Keep Your Home California

Keep Your Home California Keep your home California has announced changes to two of its programs. The Principal Reduction Program and The Mortgage Reinstatement Assistance Program have been expanded. In a recent article, Keep Your Home California, explains that “Despite an improving economy and job market, there are still many homeowners who are struggling every month or just need a little … [Read more...]