Dyana Branchen 
The Truth in Lending Act of 1968, also known as Regulation Z, defends consumers against unlawful credit practices in real estate. Lenders who violate the Truth in Lending Act may lose money, spend time in jail, and tarnish their reputations …
Price fixing is when competitors adjust the price of their products or services to make a new price the marketplace norm. Real estate professionals who take part in price fixing agreements are forced to pay millions of dollars or even …
Refinancing is the financial technique of adjusting, replacing, or changing the terms of a loan or mortgage. Whether you’re a real estate professional or just want to refinance, I’ve got you covered. I’ve been in the real estate industry for …
A buydown is a helpful financial tool that helps borrowers get an affordable rate for a few years during the loan term. The financing method is useful if the borrower wants to lower their monthly payments for a specific period. …
Amortization of loans occurs when the borrower makes fixed monthly payments to the lender. These payments include principal and interest, and the loan balance decreases as the borrower makes these payments. Real estate professionals who are unfamiliar with the amortization …
A tie in agreement is when a seller refuses to sell unless the purchaser purchases another product or service tied into the transaction. Tie in agreements are illegal, and all real estate professionals must avoid them at all costs. Luckily, …