In The News

Midland Title's Recent News Updates

Midland Title First to E-Record a Deed in Lucas County!

Anita Lopez Lucas County Auditor is pleased to announce her office facilitated the first e recording of a deed in Lucas County history.

Title Companies and local attorneys tested deeds e-recording and the first attempt was successful. Midland Title volunteered first and Mike Kajfasz said, "Auditor Anita Lopez now invites lawyers and title companies to register with the County Auditor's office to become eligible."

The Auditor worked with Midland Title and Escrow on this technological advance in Lucas County, Sandra Hylant (419.720.1929) comments, "e-recording streamlines the old process of transferring property and recording documents in the Auditor, Recorder and Engineer's offices. Title companies, attorneys, and anyone who funds an escrow account that records documents in Lucas County can participate in this innovative program by contacting Auditor Lopez's office."

Mr. Dan Maloney with Maloney, McHugh & Kology Ltd. (419.241.5175) comments, "We have been through the demos we are very excited to use the new e recording system in Lucas...

more

Bidding Wars Return to Home Market

Christina and Kevin Dirks have been searching for a house in the Denver area for four months at prices up to $275,000. They made offers on six homes—and were outbid on each one.

Click here to learn more >

more

Single-Family Building Permits Climb Higher in June; Starts & Completions Lower

The U.S. Census Bureau and HUD jointly announced today in a press release new residential construction data for June 2015, finding that single-family building permits rose slightly, while housing starts and housing completions both declined.

Click here to learn more >

more

U.S. Mortgage Rates Increase as Fed Prepares Boost

Mortgage rates for 30-year loans rose to the highest since October after Federal Reserve Chair Janet Yellen reiterated plans to increase borrowing costs this year and the likelihood of a Greek exit from the euro region faded.

Click here to learn more >

more

U.S. Mortgage Rates Increase as Fed Prepares Boost

Mortgage rates for 30-year loans rose to the highest since October after Federal Reserve Chair Janet Yellen reiterated plans to increase borrowing costs this year and the likelihood of a Greek exit from the euro region faded.

Click here to learn more >

more

Have the Dodd-Frank Financial Reforms Been a Success?

Has financial reform been a sterling success or a terrible failure? Expect to hear a lot of opinions and posturing on the subject this month. July marks five years since Congress passed the most sweeping financial reform legislation since the Great Depression.

Click here to learn more >

more

New HUD rules aim to ease segregation in housing

Communities around the United States seeking federal housing grants will soon be required to grapple with segregation and inequality in housing under new federal rules announced Wednesday.

Click here to learn more >

more

Home Prices Continue to Rise, But For How Long?

Home prices climbed 6.3% in May, marking the 39th consecutive month of year-over-year gains, according to a report by CoreLogic. Prices in 10 states, including New York and Texas, plus Washington DC, hit 40-year highs.

Click here to learn more >

more

Federal Reserve still hesitant to raise rates

The minutes from the June meeting of the Federal Open Market Committee show that nearly all the committee members and the Federal Reserve are still hesitant to increase the federal funds rate.

Click here to learn more >

more

Warren, McCain introduce bill to bring back Glass-Steagall

Sens. Elizabeth Warren (D-Mass.) and John McCain (R-Ariz.) are reintroducing legislation to revive the Glass-Steagall Act, which would force big banks to split their investment and commercial banking practices.

Click here to learn more >

more

Fannie Mae raising mortgage modification interest rate yet again

Fannie Mae is set to raise the benchmark interest rate for its Standard Modification program for the second month in a row.

Click here to learn more >

more

What to expect when you’re expecting a CFPB administrative action

In early June, Consumer Financial Protection Bureau Director Richard Cordray issued a decision in the first appeal of an agency administrative enforcement proceeding, and a deeper look shows how the bureau will proceed with such actions.

Click here to learn more >

more

CUNA to CFPB: Extend TRID effective date to end of 2015

The Credit Union National Association is asking the Consumer Financial Protection Bureau to push back its effective date for the Know Before You Owe mortgage disclosure rule to the end of the year.

Click here to learn more >

more

Research Shows That Borrowers are Seriously Undereducated in Homebuying

Many borrowers are unaware of their homebuying power and are underestimating their mortgage eligibility, according to a recent study by Genworth Mortgage Insurance, a unit of Genworth Financial, Inc.

Click here to learn more >

more

USDA Increases Costs of Guarantees for 0% Down Mortgages

The U.S. Department of Agriculture’s Rural Housing Service is raising the cost of its home-loan guarantees that enable borrowers to purchase homes in certain areas without down payments.

Click here to learn more >

more

Contracts to Buy Homes Reaches 9-Year High

Pending home sales continued to make gains last month, rising to the highest level since April 2006, according to the National Association of REALTORS®' Pending Home Sales Index, a forward-looking indicator based on contract signings.

Click here to learn more >

more

45% of Homes Sold in Less Than a Month

Homes are spending less time on the market. Forty-five percent of homes sold in May were on the market for less than a month, according to the National Association of REALTORS®. On average, properties in May stayed on the market for 40 days. While that is up from 39 days in April, it still marks the third shortest time since NAR began tracking days on the market in May 2011.

Click here to learn more >

more

Title insurance is essential

Whether working with a broker or selling your own real estate, title insurance should be a part of every transaction. If you are borrowing money to purchase the property, your lender will make title insurance a requirement.

Click here to learn more >

more

Pending Sales, Home Prices Up Slightly

The latest housing data points to minimal gains in pending sales and housing prices, although in both cases there are concerns of a recovery that is not moving with any great speed.

Click here to learn more >

more

Housing Boosted by U.S. Millennials Finally Being Buyers

A greater share of U.S. millennials say they’re likely to buy a home this year, adding to evidence that first-time buyers are finally entering the real estate market and fueling a jump in sales.

Click here to learn more >

more

CFPB’s TRID Flip Brings Calls for More Changes

Yesterday’s abrupt surprise announcement by the Consumer Financial Protection Bureau (CFPB) that it will be issuing a proposed amendment to delay the effective date of the TILA RESPA Integrated Disclosure (TRID) rule, until Oct. 1 was greeted with calls from across the industry that challenged the Bureau to go further to help accommodate consumers and lenders.

Click here to learn more >

more

Bill with $838M IRS cut advances in House

The House Appropriations Committee on Wednesday advanced a spending bill that would cut $838 million from the International Revenue Service (IRS) for fiscal 2016.

Click here to learn more >

more

MBA: Mortgage delinquencies and foreclosures drop in 1Q

The delinquency rate for mortgage loans on one-to-four-unit residential properties decreased to a seasonally adjusted rate of 5.54% of all loans outstanding at the end of the first quarter of 2015.

Click here to learn more >

more

6 first-time homebuyer mistakes and tips to avoid them

Have you heard that 2015 is "The Year of The First-Time Homebuyer"? They're making a comeback, and builders are ramping up production of homes that they think first-time homebuyers and millennials will want.

Click here to learn more >

more

Pavaso offering quicker transition to e-closing solution

Tech provider Pavaso announced a new solution that promises to help business implement digital closing and ensure compliance for the coming TILA-RESPA regulations.

Click here to learn more >

more

Housing Market Continues Gradual Move Toward Recovery

Housing and economic activity has returned to or exceeded normal levels in 68 of about 360 metropolitan areas in the country (about 19 percent) as of the end of Q1 2015, according to the National Association of Home Builders (NAHB)/First American Leading Markets Index (LMI) released Wednesday.

Click here to learn more >

more

The recovery is stalling out again. Is the economy actually in … a recession?

The U.S. economy barely grew at the start of the year, and it's barely growing any more than that now. It's bad enough that it's not completely crazy to wonder whether we've somehow slipped back into a mini-recession.

Click here to learn more >

more

CoreLogic: Homes prices rose in March up 5.9% annually

Home prices nationwide, including distressed sales, increased by 5.9% in March 2015 compared with March 2014, according to the latest home price index from CoreLogic (CLGX).

Click here to learn more >

more

Interthinx: Mortgage fraud risk rose in 4Q14

The Interthinx (FAF) National Mortgage Fraud Risk Index rose 3% in the fourth quarter of 2014, rising to a reading of 101.

Click here to learn more >

more

FHFA's Conservatorship of GSEs Has No Clear End, Ratings Company Says

Fitch Ratings affirmed that while Fannie Mae and Freddie Mac maintained a "Stable Rating Outlook" in April due to direct financial support from the U.S. government, the ratings company said it expected the controversial FHFA's conservatorship of the two Enterprises would continue indefinitely.

Click here to learn more >

more

Fed: Loan demand surges as standards ease heading into spring

The housing market started off on solid footing this year as lenders experienced an increase in mortgage lending demand, while credit standards eased simultaneously.

Click here to learn more >

more

GSEs Would Need Up To $157 Billion Bailout in Economic Downturn

Fannie Mae and Freddie Mac would likely need another sizable draw from the U.S. Department of Treasury should an economic downturn occur, according to data released by the Federal Housing Finance Agency (FHFA) on Thursday.

Click here to learn more >

more

1 in 4 renters use half their pay for housing costs

More than one in four U.S. renters have to use at least half their family income to pay for housing and utilities.

Click here to learn more >

more

More Buyers Than Usual Enter Spring Market

An unusually high volume of home-buyer demand is flooding the spring market, as pending home sales rose in March for the third consecutive month and hit the highest level since June 2013, according to the National Association of REALTORS®.

Click here to learn more >

more

Mortgage rates pushed up by mixed economic reports

Mortgage rates were pushed up slightly by mixed economic reports, according to the latest data released by Freddie Mac.

Click here to learn more >

more

FHA Extends Single-Family Handbook Effective Date to Sept. 14

FHA announced yesterday that it extended the effective date for the policies contained within its new Single-Family Housing Policy Handbook from June 15 to September 14.

Click here to learn more >

more

Mortgage rates hovering near all-time lows

Mortgage rates continue to hover near all-time lows as the spring home-buying season heats up, according to the latest data released Thursday by Freddie Mac.

Click here to learn more >

more

Sales of U.S. New Homes Fell in March from Seven-Year High

Sales dropped 11.4 percent to a four-month low 481,000 annualized pace, Commerce Department figures showed Thursday in Washington. The median estimate of 79 economists surveyed by Bloomberg called for a 515,000 rate.

Click here to learn more >

more

FHFA Reiterates Vow to Protect GSE-Backed Loans From 'Super-Priority' Liens

The Federal Housing Finance Agency (FHFA) has issued a statement saying it has not consented nor will it consent to the foreclosure of a GSE-backed mortgage loan when initiated by a homeowners association (HOA) that has attached "super-priority" lien status to a mortgage loan.

Click here to learn more >

more

Black Knight: March foreclosure starts skyrocket 18% from February

The March delinquency rate dropped 12% month-over-month, the largest monthly decline in nine years, but at the same time foreclosure starts skyrocketed 18% in March, according to the Black Knight Financial Services report for March.

Click here to learn more >

more

Over 60 Percent of Top 100 U.S. Housing Markets Improving

Freddie Mac (OTCQB: FMCC) today released its updated Multi-Indicator Market Index® (MiMi®) showing the U.S. housing market continuing to stabilize and getting back on track heading into the spring homebuying season after a slight stumble last month. The latest release of MiMi now tracks the top 100 metro housing markets across the country. Of the top 100 metro areas, 60 percent are showing an improving three-month trend.

Click here to learn more >

more

1.5M Buyers Are Coming Back

Former home owners who lost their home to a foreclosure or a short sale are re-entering the housing market. Some housing analysts believe they could provide a big boost in housing demand for years to come.

Click here to learn more >

more

Treasury Department: Fannie, Freddie Bailout Wasn't A Loan

At the beginning of the month, U.S. Senator Charles Grassley (R., Iowa) sent the U.S. Treasury Department a letter asking a simple question that has been on the lips of shareholders of Fannie Mae FNMA +0.18% and Freddie Mac FMCC 0.00% for years.

Click here to learn more >

more

What Fannie Mae's and Freddie Mac's Fee Changes Mean To You

Late Friday, mortgage-finance companies Fannie Mae, Freddie Mac and their regulator, the Federal Housing Finance Agency, unveiled changes to the fees they charge to back mortgages and disclosed finalized capital requirements for private-mortgage insurers who want to do business with the companies.

Click here to learn more >

more

Q1 Foreclosure Activity Drops to Eight-Year Quarterly Low

RealtyTrac has released its Q1 and March 2015 U.S. Foreclosure Market Report, which shows foreclosure filings—default notices, scheduled auctions and bank repossessions—were reported on 313,487 U.S. properties in the first quarter of 2015, down seven percent from the previous quarter and down eight percent from the first quarter of 2014 to the lowest quarterly total since the first quarter of 2007. There were a total of 122,060 U.S. properties with foreclosure filings in March, a 20 percent jump from a 104-month low February and up 4 percent from a year ago—the first month with a year-over-year increase in overall foreclosure activity since September 2010.

Click here to learn more >

more

CFPB Sets Rules For Housing Counseling Lists

The Consumer Financial Protection Bureau issued guidance on how to provide mortgage applicants with a list of local home ownership counseling organizations. The new guidelines, which overwrite ones originally issued in 2013, offer guidance to lenders on how to provide applicants abroad with home ownership counseling lists; permissible geolocation tools; disclosures; and high-cost mortgage counseling qualifications.

Click here to learn more >

more

Mortgage lending and finance industry get boost in housing regulatory reform bills

The home lending and mortgage finance industry saw big gains this week on Capitol Hill, as a number of bipartisan bills from the House Financial Services Committee were passed during "Financial Independence Week."

Click here to learn more >

more

Foreclosure Completions Down Two-Thirds From 2010 Peak

In a sign that housing continues to move toward stability, February 2015's total of 39,000 completed foreclosures nationwide represented a decline of 15.7 percent from the previous February – and a decline of 67 percent from their peak reached in September 2010, according to CoreLogic's February 2015 National Foreclosure Report released Tuesday.

Click here to learn more >

more

Fannie Mae Launches Program to Assist First-Time Buyers With Closing Costs

Fannie Mae has announced the launch of the HomePath Ready Buyer program, through which qualifying homebuyers can receive up to 3 percent of the home's purchase price in closing cost assistance toward the purchase of a HomePath property.

Click here to learn more >

more

House passes lending reform bills

One measure, approved 401-1, would direct the Consumer Financial Protection Bureau (CFPB) to establish a two-year program to allow individuals to apply for rural area designations for purposes of eligibility for qualified mortgages. Currently, the CFPB uses rural designations established by the Department of Agriculture.

Click here to learn more >

more

Fed Seeks Input on Proposed Regulatory Changes

The Federal Reserve announced Monday that it wants public comment on changes to Regulation D (Reserve Requirements of Depository Institutions), which requires Reserve banks to pay one-quarter of a percent interest on "balances up to the top of the penalty-free band." This reflects a bank's reserve balance requirement, plus $50,000, or 10 percent of the balance, whichever is more.

Click here to learn more >

more

U.S. Congressman Proposes Common Sense Housing Investment Act

U.S. Representative Keith Ellison (D-Minnesota) is looking to expand homeownership opportunities across middle America with his newly proposed bill, HR 1662.

Click here to learn more >

more

Applying for reverse mortgages will get tougher

Interested in a reverse mortgage without a lot of hassles? Better get your application in fast. As of April 27, the federal government is imposing a series of extensive "financial assessment" tests that will make applying for a reverse mortgage tougher — much like applying for a standard home mortgage.

Click here to learn more >

more

Lawmakers Ask CFPB to Delay Enforcement of TILA-RESPA

Two Republican lawmakers have written a letter to the Consumer Financial Protection Bureau (CFPB) director asking for the delay of the combined Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA) mortgage disclosure forms.

Click here to learn more >

more

Commercial Property Lending Reached $400 Billion in 2014: MBA

Loans made for office buildings, hotels, malls and other U.S. commercial property grew to $400 billion in 2014 from $358 billion the prior year, the third-highest mark on record, according to a survey by the Mortgage Bankers Association.

Click here to learn more >

more

MBA: New home purchases jump 17% in March

Mortgage applications for new home purchases increased by 17% relative to the previous month, the March Mortgage Bankers Association's Builder Application Survey said.

Click here to learn more >

more

Zillow: Homebuying pays off quickly

Even though buyers in most markets can break even on a home purchase in less than two years, nearly half of renters in a newly released survey said their credit or finances keep them from buying a home.

Click here to learn more >

more

How to Maximize Small Business Tax Deductions

According to the Q1 2015 Spark Business Barometer from Capital One, 55 percent of small business owners are very confident they are taking advantage of small business tax deductions, but what about the other 45 percent?

Click here to learn more >

more

Home Price Values Still on the Rise Nationally

National home prices in February were up, year-over-year, for the third consecutive year, according to the latest Home Price Index report by CoreLogic, released Tuesday.

Click here to learn more >

more

A Cost-Saving Move for 7.1M Owners

An estimated 7.1 million home owners could benefit from refinancing their mortgage and reduce their monthly mortgage payments, finds a new report released by Black Knight Financial Services.

Click here to learn more >

more

MBA: Independent Mortgage Bank Profits Drop in 4th Quarter

Independent mortgage banks and mortgage subsidiaries of chartered banks reported a net gain of $744 on each loan they originated in the fourth quarter, down from $897 per loan in the third quarter, the Mortgage Bankers Association reported.

Click here to learn more >

more

Fed's Dudley: Rate hikes' pace tied to markets

The pace of Federal Reserve interest rate hikes will largely depend on financial markets' response to the increases, New York Federal Reserve president William Dudley said Monday.

Click here to learn more >

more

What lenders need to know about CFPB's mortgage shopping toolkit

On March 30, the Consumer Financial Protection Bureau published a revised consumer publication related to mortgage loans. This publication, a replacement of the "Settlement Cost Booklet" or "Special Information Booklet," is a widely anticipated companion to the Truth in Lending Act and Real Estate Settlement Procedures Act, or TILA-RESPA, Integrated Disclosure (collectively referred to as TRID) requirements.

Click here to learn more >

more

Report: Short Sales, REO Experience Largest Increase in Three Years

The percentage of short sales and REO sales jumped by 2.2 percentage points in the first quarter of 2015, the largest increase since the first quarter of 2012, according to data released by Clear Capital on Monday.

Click here to learn more >

more

Vacation-Home Sales Hit High, Realtor Group Says

Continued stock-market gains and low interest rates drove sales of vacation homes to the highest level on record last year, putting one segment of the housing market above its prerecession peak.

Click here to learn more >

more

Industry Hears Call for Credit Scoring Changes

The way companies calculate people's credit scores needs to change to reflect how people live their lives today, or millions of people will continue to fall outside traditional calculation models and not be able to become home owners.

Click here to learn more >

more

HUD Secretary: FHA is Exploring Alternative Credit Scoring for Mortgage Borrowers

HUD secretary Julian Castro said the Federal Housing Administration (FHA) is exploring alternative credit scoring models, in a discussion with a diverse group of housing industry stakeholders. The event sought to discuss how alternative credit scoring models could expand access to mortgage credit for responsible borrowers who may have thin credit histories or extenuating circumstance like medical debt.

Click here to learn more >

more

Study Reveals Housing Market To Be At Its 'Healthiest' Level Since 2001

In its first-ever analysis of the U.S. housing market released Thursday, Nationwide Economics indicated that the national market was at its healthiest level in 14 years.

Click here to learn more >

more

Fannie Mae to Begin Auctioning Defaulted Home Loans to Investors

Fannie Mae will begin bulk auctions of mortgages, including some sales targeted for non-profit groups and small investors, as the company moves to cut the number of non-performing loans on its books.

Click here to learn more >

more

Federal Flood Insurance Premiums for Homeowners Rise

As of April 1, new rates took effect under the National Flood Insurance Program that increase individual policy premiums for homeowners in high-risk areas by as much as 25 percent. Plus, policyholders will see new surcharges, $25 for owner-occupied primary homes and $250 for second homes.

Click here to learn more >

more

Mortgage rates hold steady

The 30-year fixed-rate average inched up to 3.7 percent with an average 0.6 point. (Points are fees paid to a lender equal to 1 percent of the loan amount.) It was 3.69 percent a week ago and 4.41 percent a year ago.

Click here to learn more >

more

Complaints Start Rolling In for CFPB's Mortgage Shopping Toolkit

The red pens have come out as members of the real estate industry start to critique the Consumer Financial Protection Bureau's new mortgage shopping toolkit less than a day after its release.

Click here to learn more >

more

How to Finance a Vacation Home

In the U.S., vacation-home sales jumped over 50% in 2014, up from 717,000 homes in 2013, according to preliminary data from the National Association of Realtors (NAR), a trade group. And second-home sales are expected to continue climbing in 2015, says Lawrence Yun, NAR's chief economist.

Click here to learn more >

more

OCC: Delinquencies Down, Mortgage Performance Up for Eight National Banks

Eight national banks saw the performance of their first-lien mortgages improve in the fourth quarter of 2014, while the delinquency rate on those mortgages and the foreclosure activity continued to decline, according to a quarterly report on mortgage performance by the Office of the Comptroller of the Currency (OCC) released Friday.

Click here to learn more >

more

Emerging housing markets keep pace in 2015

Industry experts say emerging housing markets are positioned to compete with major markets such as New York, Boston and Washington in 2015. With lower costs of living and better-than-average employment opportunities, these up-and-coming cities may be just the place to call home.

Click here to learn more >

more

The dark side of rising home prices

Former Federal Reserve Chairman Ben Bernanke was correct in saying at the time* that there had never been a decline in housing prices on a nationwide basis. What he was oblivious to was that home prices were rising nationwide faster than they ever had because his predecessor, Alan Greenspan, had brought the federal funds rate down to 1 percent. By mid-2007 the housing market party was over and prices began a four-year nationwide decline.

Click here to learn more >

more

Market Is Healthiest in Years, New Index Says

A newly unveiled forward-looking housing index by Nationwide says the U.S. housing market is at its healthiest level since 2001. The Health of Housing Markets Report will analyze the housing health outlook on a quarterly basis throughout 373 metro areas.

Click here to learn more >

more

Mortgage applications surge on spring demand

Despite volatility in interest rates, mortgage applications moved decidedly higher last week, continuing their strong stride into spring.

Click here to learn more >

more

Don't Ignore Boomerang Buyers

The housing market is ignoring the largest pool of prospects: Boomerang buyers, according to Daren Blomquist, vice president of RealtyTrac.

Click here to learn more >

more

CFPB releases 'Know Before You Owe' shopping toolkit

In light of the Consumer Financial Protection Bureau's "Know Before You Owe" mortgage rule coming in affect in August, the CFPB released a new toolkit to guide consumers through the process of shopping for a mortgage and buying a home.

Click here to learn more >

more

Mortgage Disclosure Training Heats Up as Deadline for Changes Nears

Mortgage lenders and settlement-service providers are making sure their clientele and referral partners understand the nuances of the new disclosure forms that take effect Aug. 1.

Click here to learn more >

more

Hiring slowed in March, with 126K jobs added; unemployment rate at 5.5 percent

The U.S. economy added a disappointing 126,000 jobs last month, the weakest growth in more than a year and a sign that the labor market is finally being tripped up by a broader economic slowdown.

Click here to learn more >

more

An alternative to HELOCs: Financing tied to future home appreciation

WASHINGTON — So you've watched your home equity holdings grow steadily since the end of the recession, and now you want to tap into that wealth to fund a remodeling, college tuition or some other worthy but cash-consuming project?

Click here to learn more >

more

HUD Seeks to Educate Public on Fair Housing

April marks Fair Housing Month and the U.S. Department of Housing & Urban Development is signifying the event by launching a national media campaign that sets out to help the public recognize housing discrimination and teach them what to do if their housing rights are ever violated. The campaign coincides with the 47th anniversary of the passage of the 1968 Fair Housing Act.

Click here to learn more >

more

Which age group is buying most homes?

Despite the general notion that young people are reluctant to enter the homebuying market, a study by the National Association of Realtors found that for the second consecutive year, those ages 34 and younger comprised the largest share of recent homebuyers.

Click here to learn more >

more

MBA notes top commercial originators in 2014

Wells Fargo topped the list of commercial/multifamily mortgage originators in 2014, according to the annual ranking released by the Mortgage Bankers Association (MBA).

Click here to learn more >

more

eClosings to impact industry, closing agents say

Proactive title agents are preparing today for eClosings. One title group in Utah said the prep work for its first eClosing transaction was more involved than with paper closings, but was worth the effort.

Click here to learn more >

more

Compliance implementation can be beneficial, painful, part 2

As regulations have increased around the title industry, the attention paid to compliance and implementation has grown as well. In the second of our two-part story, we look at how the compliance work can benefit companies as Aug. 1, 2015, approaches.

Click here to learn more >

more

Housing Affordability Edges Up in the Fourth Quarter

Slightly lower interest rates and home prices in markets across the country contributed to a slight increase in nationwide housing affordability in the fourth quarter of 2014, according to the National Association of Home Builders/Wells Fargo Housing Opportunity Index (HOI) released today.

Click here to learn more >

more

Another Compelling Reason Why Housing Could Soar in 2015

According to a recent report, the Consumer Finance Protection Bureau, or CFPB, is proposing changes intended to increase access to mortgages for borrowers in rural and underserved areas. If successful, it would be yet another way that mortgage financing is becoming much easier to afford and obtain in 2015, and could give the U.S. housing market a nice boost.

Click here to learn more >

more

Home Prices Are Up, Supply Is Down—Expect Bidding Wars

It's getting more expensive to buy a house. Prices rose 6% in the fourth quarter of 2014 as buyers competed for fewer and fewer available homes for sale, according to new data from the National Association of Realtors®.

Click here to learn more >

more

Congress looks to play small ball on tax reform

Top tax writers are adamant they still want to pursue a major reworking of the tax code, but with progress hard to come by for the last several years, the Senate Finance Committee agreed to easily pass several targeted tax tweaks in the meantime.

Click here to learn more >

more

Average 30-year mortgage rate jumps to 3.69%

WASHINGTON (AP) — Average long-term U.S. mortgage rates rose this week yet remained near historically low levels.

Click here to learn more >

more

U.S. mortgage applications fall in latest week: MBA

(Reuters) - Applications for U.S. home mortgages fell last week as interest rates rose, an industry group said on Wednesday.

Click here to learn more >

more

Home-Price Growth Picks Up Speed

Growth in home prices quickened at the end of last year—depending on the region.

Click here to learn more >

more

Fannie Mae: Homebuyers, mortgage lenders getting excited about 2015 prospects

A new boost in consumer optimism is spilling over into housing, as more people believe now is a good time to buy a home.

Click here to learn more >

more

The Best Seasons to Sell a Home

Spring is traditionally considered the best season to list a home, but it doesn't inch out the other seasons by much, according to a new analysis by the real estate brokerage Redfin.

Click here to learn more >

more

Easier mortgage terms seem to be catching on

Mortgage lenders appear to be loosening their purse strings, largely as a result of major changes recently announced to government-based loan products.

Click here to learn more >

more

Mortgage rates fall to 20-month low, Freddie Mac says

Fixed mortgage interest rates fell this week to their lowest level in more than 20 months, with Freddie Mac reporting that lenders were offering conventional 30-year loans at an average of 3.59%, down from 3.66% a week ago.

Click here to learn more >

more

87% of Homes Qualify for Down Payment Aid

More prospective home buyers would likely qualify for down payment assistance than they think. Indeed, more than 68 million single-family and condo households – or about 87 percent -- would qualify for a down payment program available in the county where they are located, according to a new study by Down Payment Resource and RealtyTrac in an analysis that included a look at nearly 2,300 down payment programs nationwide.

Click here to learn more >

more

Zillow: Mortgage rates rise due to strong economic data

The interest rate for a 30-year, fixed-rate mortgage rose last week, riding a wave of positive economic data according to a new report from Zillow.

Click here to learn more >

more

FHA Looks to Ease Banks' Worry on Mortgage Mistakes

A U.S. housing regulator is considering limiting one of the most powerful tools federal attorneys have to punish banks for making mistakes in mortgage lending, a move the Federal Housing Administration hopes will encourage banks to give more home loans to worthy but weaker borrowers, according to people familiar with the matter.

Click here to learn more >

more

U.S. mortgage applications rise in latest week - MBA

(Reuters) - Applications for U.S. home mortgages rose last week as interest rates fell, an industry group said on Wednesday.

Click here to learn more >

more

Freddie Mac: The return of the refinance market

Refinance applications revived toward the end of 2014 and into the new year as mortgage rates dropped back down to levels not seen since 2013.

Click here to learn more >

more

FHFA's Watt Says Debt Cuts Possible for Underwater Homeowners

(Bloomberg) -- Fannie Mae and Freddie Mac's overseer wants to allow debt cuts for a narrow group of borrowers who owe more than their homes are worth. The trick is figuring out a way to do it without incurring costs for taxpayers.

Click here to learn more >

more

MBA Forecasts 7 Percent Rise in 2015 Commercial/Multifamily Originations; Mortgage Debt Outstanding to Rise to $2.7 Trillion

Feb. 4, 2015--Van Raaphorst, Rob rvanraaphorst@mba.org; Tucker, Michael mtucker@mba.org

SAN DIEGO--The Mortgage Bankers Association projects originations of commercial and multifamily mortgages will grow to $414 billion in 2015, an increase of 7 percent from 2014, and continue to rise to $430 billion in 2016.

Click here to learn more >

more

8 things debt collectors may not do

The Fair Debt Collection Practices Act (FDCPA) makes it illegal for debt collectors to engage in abusive or deceptive practices when trying to collect money owed on delinquent credit card accounts, car loans, medical bills, mortgages and other debts. And there is a good chance the Consumer Financial Protection Bureau (CFPB) will improve consumer rights even more.

Click here to learn more >

more

7.3 Million Boomerang Buyers Poised to Recover Homeownership in Next 8 Years

In 2015, the first wave of 7.3 million homeowners who lost their home to foreclosure or short sale during the foreclosure crisis are now past the seven-year window they conservatively need to repair their credit and qualify to buy a home. More waves of these potential boomerang buyers will be moving past that seven-year window over the next eight years corresponding to the eight years of above historically normal foreclosure activity from 2007 to 2014.

Click here to learn more >

more

Mortgage Choice Act reintroduced in Congress

U.S. Rep. Bill Huizenga, R-Mich., reintroduced to the new Congress the "Mortgage Choice Act" – a bipartisan piece of legislation that would amend and clarify the qualified mortgage definition in the Dodd-Frank Act thereby improving access to credit and qualified mortgages for low and moderate income borrowers while protecting consumers from bad loans.

Click here to learn more >

more

The case for the next US housing boom in 8 charts

Housing might be on the verge of a major pickup. Deutsche Bank circulated a chartbook analyzing prospects for the US housing market over the near future. While housing is still recovering from the burst of last decade's housing bubble, there are some interesting and promising signs that things may soon be returning to normal.

Click here to learn more >

more

Lenders Split on FHA Premium Decrease

Mortgage executive participants reported being optimistic about the pace of mortgage originations this year, but split their opinions about the impact of the Federal Housing Administration's recent premium reduction, according to a new survey.

Click here to learn more >

more

President's FY2016 HUD budget asks for $49.3B

The White House issued its proposed fiscal year 2016 budget, a wish list of the administration's funding priorities sure to find little welcome in the new Republican-controlled Congress.

Click here to learn more >

more

Moody's: FHA premium cut will increase home sales by 45,000 this year

In the weeks since the Obama administration announced that it was directing the Federal Housing Administration to reduce annual mortgage insurance premiums by 50 basis points, from 1.35% to 0.85%, housing industry observers have each begun to share their prognostications about what the real impact of the FHA's action will be.

Click here to learn more >

more

Fannie Mae: Mortgage lending will see dramatic growth in 2015

Lenders are quick to agree with Fannie Mae's Lender Sentiment Survey that the lending market is not only doing well, but should see a drastic growth as we enter into the spring home-buying season.

Click here to learn more >

more

Smaller Down Payments Lure More Buyers

Recently, more borrowers are able to pay 3 percent or even less of a home's purchase price to get a mortgage – a big change from when at least 20 percent down payments were practically the norm post-recession.

Click here to learn more >

more

Homeowners tap into equity as refinancing surges

Low interest rates and rising home values have sparked a mini refinancing boom in recent weeks, leading homeowners to pump the extra cash from their properties into remodeling projects, college tuition payments, and other investments.

Click here to learn more >

more

Why 2015 Could Be the Best Year Yet to Buy a House

If you thought you missed out on the ultralow mortgage rates of 2012-13, then I have good news for you: They're headed back down again. As of this week, the 30-year fixed-rate mortgage is at its lowest level in over a year and a half.

Click here to learn more >

more

Consumer bureau's mortgage rate checker doesn't disclose full costs

WASHINGTON — When the federal government's consumer protection agency for financial matters tells you how to shop for a good deal on a home mortgage, you should follow the advice, right?

Click here to learn more >

more

Existing-Home Sales Rebound: 5 Stats to Know

Home sales picked up at the end of 2014, closing off a year that had a sluggish start but then showed encouraging signs in the second half, according to the National Association of REALTORS®' latest housing report, released Friday.

Click here to learn more >

more

Is real estate missing a $100 billion opportunity?

In the last three years, a new class of homeowner entered our business. They are the largest in history, and they represent the beginning of something much more important to come.

Click here to learn more >

more

Fannie Mae Expects Economy to 'Drag' Housing Toward Recovery in 2015

As Fannie Mae sees it, 2015 will be a good year for the housing market, even if residential real estate has to get dragged into the black.

Click here to learn more >

more

FHFA: Home prices gain 0.8% in November

The Federal Housing Finance Agency home price index shows that home prices gained 0.8% in November, following a 0.4% rise the month before.

Click here to learn more >

more

JPM, Wells Loan Officers Got Kickbacks from Title Firm, CFPB Says

WASHINGTON - Wells Fargo and JPMorgan Chase could face more than $35 million in penalties and restitution for allegedly receiving data on consumers and other services in return for directing customers to a Maryland-based title company.

Click here to learn more >

more

Economists See Housing-Market Pickup

Economists at the International Builders Show said that while 2014 proved disappointing they expect construction and home buying to accelerate in 2015, driven by strong job growth and improving consumer confidence.

Click here to learn more >

more

Housing Market Only 75% Back to Normal

The housing market is only about three-quarters of the way back to what is considered "normal," when factoring in new-home construction, existing-home sales, prices, mortgage delinquencies, and the Millennial employment rate, according to a newly released report by Trulia.a year ago.

Click here to learn more >

more

Why a Jump In Mortgage-Refinancing Could Be Fleeting

On Wednesday, the Mortgage Bankers Association reported that mortgage applications rocketed 49% in the week ended Jan. 9 from the prior week. They were also up about 30% from the same week a year ago.

Click here to learn more >

more

Freddie Mac: Housing to get boost in 2015 but it won't last

Freddie Mac says it expects mortgage rates to hover around 4% through mid-2015, and while there are some of the positive tailwinds buoying the economy at the start of the year, some may not stick around for long.

Click here to learn more >

more

5 THINGS LENNAR'S RESULTS TELL US ABOUT THE NEW-HOME MARKET

Home-building giant Lennar Corp.'s fiscal fourth quarter results on Thursday herald moderately good news for home buyers and the broader economy but a slightly less rosy outlook for the industry's investors. Here are five things that Lennar's results for its fiscal quarter ended Nov. 30 tell us about the broader new-home industry.

Click here to learn more >

more

New Fannie Mae program could bust deals, appraisers say

WASHINGTON — Could a controversial new program set for launch nationwide this month by giant mortgage investor Fannie Mae lead to slower and costlier home sale closings and more disputes over prices between sellers and buyers — busting deals when the appraised value comes in below what the parties agreed to in the contract?

Click here to learn more >

more

Fannie Mae Economist Says Latest Job Data Might Not Be Good News For Housing

The U.S. labor market reported a strong gain of 252,000 jobs on the payrolls for December in data released by the Bureau of Labor Statistics (BLS) on Friday. December's job gain was close to 2014's average monthly increase and 2014 was the best year of job growth in the U.S. since 1999.

Click here to learn more >

more

This Could Be the Biggest Mortgage Mistake of Your Life

Over the course of your lifetime you're liable to encounter a number of game-changing events. From starting a family to putting your kids through college, life has a way of throwing your retirement plans for a loop every now and then.

Click here to learn more >

more

Windfall for Taxpayers Coming to an End

WASHINGTON — The Federal Reserve's bond-buying campaign continues to produce one clear benefit: a windfall for taxpayers. The Fed, which turns over most of its profits to the Treasury Department, said on Friday that last year, it transferred an estimated $98.7 billion, a record.

Click here to learn more >

more

Housing market on track for more improvement this year

The housing market is expected to continue on its road to recovery this year amid stronger jobs and economic growth as well as increasing home prices.

Click here to learn more >

more

Obama to Outline Proposals to Bolster a Lagging Housing Sector

WASHINGTON — The job market is stirring, gas prices are plunging and stocks are near record levels, but a housing sector that dragged the nation into the worst recession since the Depression remains the black spot in an otherwise resurgent economy.

Click here to learn more >

more

3 Reasons It's Not a Seller's Housing Market

If you're considering purchasing a home, but worried that rising home prices mean you'll pay too much for a house, think again. Just because home prices have risen doesn't mean it's a seller's market out there. Here's why.

Click here to learn more >

more

FBR: Mortgage banking will rejuvenate in 2015

Mortgage banking is projected to overcome the significant headwinds it faced last year and instead bring in a profit in 2015, according to Paul Miller, an analyst with FBR Capital Markets.

Click here to learn more >

more

Housing In 2015: Four Reasons For Optimism (And One For Worry)

Six years ago, homebuilders and Realtors were facing brutal business conditions: millions of Americans were losing their jobs and homes. As 2015 begins, hiring is strong and economic indicators are pointing up. Could this be the year when the housing market finally breaks out of its tepid recovery and takes off?

Click here to learn more >

more

6 Market Types You'll See This Year

From the stalwarts to the tech magnets and comeback kids, the new year is likely to see several types of markets. Redfin recently highlighted six "housing market personas" that the real estate brokerage believes will be driving the continued recovery in 2015.

Click here to learn more >

more

Nearly Half of Home Buyers Don't Shop Around for Mortgages

Nearly half of U.S. home buyers don’t consult multiple lenders when they are seeking a mortgage, a government report says, raising questions about whether consumers are getting the best possible deal.

Click here to learn more >

more

Fee Cut, Lower Rates Could Boost Mortgage Refinancings

Hundreds of thousands of lower-income borrowers will be able to cut mortgage payments as a decline in interest rates and a reduction in federal loan fees open the door for them to refinance. But the largest mortgage lenders might not be the biggest beneficiaries of the new business.

Click here to learn more >

more

10 Best Bets for Housing in 2015

Forbes recently spotlighted the top places to invest in the new year, whether for investors looking for rental properties or young professionals looking to make their first home purchase.

Click here to learn more >

more

Guardian Mortgage: 4 bold predictions for housing

The past year was filled with record-low interest rates, steadily rising home prices and loosening mortgage-lending standard, making it one of the strongest years in the housing industry since the financial crisis six years ago.

Click here to learn more >

more

Millions of Renters Could Become Homeowners in 2015

It was recently announced that the FHA, which has historically been the go-to mortgage option for borrowers with limited down payments and credit, is planning to reduce its mortgage insurance premium from 1.35% of a loan's value per year to 0.85%.

Click here to learn more >

more

Many buyers no longer see marriage as prerequisite to a mortgage

In more than two decades as a real estate agent, Marc Tahler has seen his client base of would-be buyers shift. He used to see a lot of younger couples, married, maybe with a kid in tow or one on the way.

Click here to learn more >

more

Young Home Buyers Return in U.S. as Economy Accelerates

After Damien and Tina Bucci were approved for a mortgage in 2012, they decided they couldn’t afford the biggest purchase of their lives without greater confidence in the U.S. economy. Next month, they will close on their first home -- a four-bedroom Colonial with a half-acre yard.

Click here to learn more >

more

Bankrate.com: Expect Fed to move on interest rates by mid-year

As 2014 closed, oil prices cratered, quantitative easing finally went away, and the Federal Reserve is likely to start raising rates, according to Bankrate.com.

Click here to learn more >

more

Five Things To Watch In Housing In 2015

The housing market in 2014 put to bed the idea that the hard-hit sector might see more of a V-shaped recovery.

Click here to learn more >

more

Reverse Mortgages: What Every Retiree Needs to Know

Millions of retirees face the financial challenge of making ends meet, and for many of them, the equity they have in their homes is their largest untapped asset.

Click here to learn more >

more

US Pending Home Climb Slightly in November

WASHINGTON — The number of Americans signing contracts to buy homes rose modestly in November as a strengthening economy helped nudge some would-be homebuyers.

Click here to learn more >

more

Housing Market Enters 2015 Facing Affordability Pressures

The U.S. housing market failed to provide the lift to the economy over the past year that many analysts expected. It enters a new year with few signs pointing to either a renewed breakout or a sharp slowdown.

Click here to learn more >

more

Foreclosure vs. Short Sale

In some circumstances homeowners can find themselves in a difficult position when it comes to their mortgage, whether they are struggling to make payments or the value of the mortgage exceeds that of the actual home.

Click here to learn more >

more

Do First-Time Homebuyers Need Help?

To bring more first-time buyers into the housing market, Fannie Mae and Freddie Mac recently said they would offer certain mortgage programs that require down payments of as little as 3 percent, down from 5 percent. Because first-time buyers already make up a large share of the housing market, the wisdom of this policy change should be open to question.

Click here to learn more >

more

Mortgage rates defy experts to close year below 4%, Freddie Mac says

Closing out a year of surprisingly low mortgage interest rates, the average rate for a conventional 30-year home loan was 3.87% this week, Freddie Mac said, up slightly from 3.83% a week ago.

Click here to learn more >

more

Housing in 2015: 'We Are in a Slow March Back to Normal'

The thump of air hammers and the whine of mini-dozers will be heard a bit more in 2015. Housing construction should continue to climb back in the new year, although it probably won’t get all the way back to its long-run average. “We are in a slow march back to normal,” David Crowe, chief economist with the National Association of Home Builders, said in a December statement.

Click here to learn more >

more

Home price growth slows for 11th straight month

U.S. home prices rose in October at a slightly slower pace, as real estate sales have fallen and affordability has increasingly become a challenge for potential buyers.

Click here to learn more >

more

Black Knight: Mortgage delinquency rate surges to 10-month high

The national delinquency rate quickly came off its seven-year low, reversing course and instead surging to the highest level in 10 months, Black Knight Financial Services’ November “First Look” mortgage report said.

Click here to learn more >

more

Homebuyers More Concerned About Affordability Than the Lack of Homes for Sale

For the first time since early 2012, homebuyers said that affordability is a bigger concern for them than a lack of homes for sale. Although inventory was down 1.5 percent in November from last year, 32.6 percent of homebuyers who responded to the Redfin Real-Time Buyer Survey indicated that “affordability in the area I want to buy” was the biggest obstacle to a home purchase. Just 11.3 percent said the biggest obstacle was “not enough homes for sale.”

Click here to learn more >

more

The Year in Cybersecurity: 5 Threats to Watch in 2015

Scary cybersecurity news dominated the headlines constantly this year, with breaches, bugs and attacks involving Home Depot, Heartbleed, iCloud, Sony and others.

Click here to learn more >

more

Five Traps To Avoid When Deducting Mortgage Interest

The New Year is upon us. This means that the time for preparing your 2014 tax return draws near. Soon you’ll don your tinted visor, dust off your ten-key, and get to work filling in your Form 1040.

Click here to learn more >

more

Perfect economic mix set to boost housing in 2015

After a few so-so years, the housing market and related stocks could be primed for a big 2015.

Click here to learn more >

more

Zillow: Mortgage rates stay far below 4%

The interest rate for a 30-year, fixed-rate mortgage fell last week, continuing a trend of sub-4% interest rates, according to a new report from Zillow.

Click here to learn more >

more

Short sale tax break signed into law

Homeowners who had short sales in 2014 can now breathe a giant sigh of relief, as the Mortgage Debt Forgiveness Act was signed into law by President Barack Obama.

Click here to learn more >

more

Minimum wage to rise in 21 states this week

The minimum wage will rise in 21 states in 2015, putting it above the federal pay floor in more than half the USA and highlighting the impact of a national movement to boost the earnings of low-paid workers.

Click here to learn more >

more

CoreLogic: 5 drivers of housing in 2015

It’s been five years since the financial crisis, and the housing economy continues to steadily improve, paving the way for an even better 2015, CoreLogic’s 2015 Housing Outlook said.

Click here to learn more >

more

Construction Costs Rising as Economy Improves

Building costs are rising at the fastest pace in six years, according to a new report by Rider Levett Bucknall, a property and construction consulting firm.

Click here to learn more >

more

How the 2014 Housing Market Will Shape 2015

The real estate market has shown a build-up of housing momentum this year – “fueled by significant improvements in economic fundamentals, low mortgage rates, and compressed inventory” – that will likely translate into larger gains in 2015, according to realtor.com®’s newly released 2014 Housing Review.

Click here to learn more >

more

Redfin: The most competitive neighborhoods for homebuyers in 2014

While home-buying competition eased nationally in 2014, only moderate relief came to buyers in some of the most competitive areas, including San Jose, Oakland, Los Angeles, Seattle and Portland, according to Redfin.

Click here to learn more >

more

The Big Economic Unknowns of 2015, From Unemployment to Oil

Too much uncertainty clouds the crystal ball to be confident that any particular course of events will play out in the real world. But we do know something about the sources of that uncertainty, and in a season for sharing, I’d like to offer six questions whose eventual resolution will shape the economic year ahead:

Click here to learn more >

more

Why some mortgages get suddenly canceled

You and the home seller put it to paper that you are buying your new palace. You put a big deposit down. You shell out $1,000 for an appraisal and home inspection. After all of the ridiculous mounds of documentation you supplied and seemingly endless questions answered, your loan officer finally calls to tell you that your loan is approved.

Click here to learn more >

more

Prices are Rising For Senior Living Properties

The aging of the Baby Boom generation combined with the flood of capital into commercial real estate is driving up the costs of properties that cater to senior living.

Click here to learn more >

more

Consumer sentiment rises strongly from November

Consumer sentiment held steady the last two weeks at a very high level of 93.6, little changed from 93.8 at mid-month and far above November's final reading of 88.8.

Click here to learn more >

more

FHFA issues warning on “super priority” liens

The Federal Housing Finance Agency has issued a warning to homeowners, financial institutions and state authorities, citing its concern with super-priority liens created by either energy retrofit programs or homeowner association priority status.

Click here to learn more >

more

CFPB Sues over Unclear Fees, Charges from a Third-Party

On Dec. 17, 2014, the Consumer Financial Protection Bureau announced that it was suing Sprint Corp., the major wireless provider, for “illegally cramming” consumers’ phone bills with unauthorized third party charges.

Click here to learn more >

more

Housing Outlook 2015: 11 Predictions From The Experts

It’s been an odd year for the housing market. It kicked off with the ‘Polar Vortex,’ blamed for slowing home sales in the early part of the year. As 2014 draws to a close, the National Association of Realtors expects sales of previously owned homes to fall short of 2013’s total, while the latest monthly data on new homes show sales were up just 1.8% in October from a year earlier.

Click here to learn more >

more

Nov. existing home sales slow across U.S.

Sales of existing homes fell all over the U.S. in November, sliding 6.1% to the slowest annual pace since May, the National Association of Realtors said Monday.

Click here to learn more >

more

Niagara Falls Tries To Attract Young Residents With Promise To Help Repay Student Loans

It’s not unheard of for a corporation, non-profit organization or even the federal government to entice prospective employees with the promise to repay their student loans in exchange for a certain number of years of work. The city of Niagara Falls appears to be taking that idea and making it its own; offering to repay a portion of recent graduates’ student loans in exchange for living in the city for two years.

Click here to learn more >

more

The Value Of America's Housing Market Climbed To $27.5 Trillion This Year

The value of all homes in the US increased by $1.7 trillion in 2014 to $27.5 trillion, according to Zillow.

Click here to learn more >

more

U.S. Home Values Continue to Rebound But at Slower Pace

U.S. home values are on pace to conclude another year of strong growth, although the pace is easing up a bit, online real estate marketplace Zillow says.

Click here to learn more >

more

Accenture: 3 big predictions for mortgage lending next year

Housing survived 2014, and now heading into next year, experts are once again weighing in on what they see for the future of the housing industry and overall economy.

Click here to learn more >

more

Home heating oil is now cheap, but natural gas is even cheaper

Even though prices are way down, oil can’t catch a break from homeowners who remain willing to spend thousands of dollars converting their heating systems to natural gas.

Click here to learn more >

more

Community bankers call on FHA to lower mortgage insurance premiums

The mortgage finance industry wants the Federal Housing Administration to reduce its premiums, and they’re not being shy about letting the U.S. Department of Housing and Urban Development know about it.

Click here to learn more >

more

5 tips for sharing your charitable activities

This is the time of year when many people and businesses focus on philanthropy as charities make their pushes for year-end giving.

Click here to learn more >

more

Fixed mortgage rate sinks to yearly low

Recent global economic concerns, including the Russian economic downturn, have sent investors fleeing for the safety of bonds. That, in turn, has caused bond prices to rise and yields to fall. And because the mortgage market loosely follows Treasury yields, mortgage rates have also tumbled.

Click here to learn more >

more

Download the December 2014 Local Market Update >

Download the the 4th Quarter 2014 Local Market Update >

June 2014 Housing Report

Subscribe to Midland Title's
Monthly Email Newsletter
Deed_You_Know.jpg

LOCALLY OWNED & OPERATED. YOUR CHOICE, CHOOSE MIDLAND.

  • Title Inquires: (419) 255-0126
  • Schedule A Closing: (419) 531-1192
Downtown Office

West Toledo Office

Maumee Office