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    • 1099's
    • 1099s
    • 2017 Income sheets coming down soon..
    • 3/9: If you have reviews on Zillow..
    • 4/10 ~ Important..
    • 4/12 ~ FHA Loan Calculator
    • 4/13 ~ Please welcome Tracey Jagielski to our office..
    • 7 Tips for Getting More Responses to Your Emails..
    • America's Preferred Home Warranty cost..
    • APHW has updated their warranty with additional options and price increases..
    • Appointment of Agent form..
    • Barb Moore..
    • Be careful..
    • Big Brother MLS is looking out for us again..
    • Blank addendum & contingency removal documents..
    • Brian Buffini Peak Producers class offered by HomeSmart..
    • Brian Buffini Podcast..
    • Brian Buffini's Bold Predictions broadcast.. after meeting Tuesday Live at Noon..
    • Brokerage license number required on new closing disclosure statement..
    • Buying a computer?
    • Can you change that contract?
    • Clarity on our company name..
    • Communication Enhancement Project..
    • Consumer guides & home warranty data collection forms..
    • Contract questions increase as Ohio housing market heats up..
    • Cooperating compensation..
    • Couple things..
    • Craigslist Scams..
    • Craigslist..
    • Cyber fraud in Ohio on the rise -- How to protect your clients and yourself!
    • Data Collection Form..
    • Description errors when new listings are inputted..
    • Dialing in our paperless system among other things..
    • Do email and text messages need to be part of your transaction file?
    • Document requests..
    • Document review / missing documents..
    • Docusign Envelope ID's have been removed..
    • Drone photos..
    • Earnest money..
    • Effective Dec. 1, 2018 the 72 Hour Rule will change to a 48 Hour Rule again for the MLS..
    • Emailing Docs & Notes from Transactions in Paperless Pipeline..
    • End or year checks..
    • Facebook Business Page..
    • Fax..
    • Fed raises rates..
    • FHA Loan Limit..
    • Final draft of new contract..
    • Five ways to lose your license over earnest money..
    • Forwarding emails or texts from our client to the agent on other side..
    • Free Fair Housing CE Class on May 30, 2018 at LaCentre..
    • Good news for Good Funds law..
    • Holiday office closed..
    • Holiday office hours..
    • HomeSmart Folders..
    • HomeSmart resources and discounted online continuing education through McKissock.com
    • HomeSmart Technology Update..
    • House Bill 532 has passed..
    • Housekeeping..
    • How to send a review request to your client from Zillow..
    • I received the letter below from the ODRE..
    • If you have a domain name pointing to your website..
    • If you run in to agents interested in learning more about us..
    • IMPORTANT! New purchase contract and home warranty with fee increase now in service..
    • Important.. Back to back transactions..
    • Important.. Repair requests after inspection..
    • Important.. When do we need warranty/waiver?
    • Just Listed/Just Sold Postcards..
    • Keeping you in the know..
    • Lakewood has had a ban against pit bulls & canary dogs since 2008..
    • Latest OAR eConnections newsletter..
    • Laura Graber from NORMLS at office on Thursday, March 29 at 1:30P..
    • Limited Service Listing Company..
    • Listing contract date..
    • Listing documentation has been updated to include new warranty and..
    • Listing vacant homes..
    • Listings..
    • Lorri letters..
    • Marketing/Syndication tab of our website..
    • Meeting note..
    • Meeting this Tuesday is cancelled..
    • Message with attachments sent to front desk..
    • Messages from Paperless Pipeline..
    • Mistakes..
    • MLS initiates Coming Soon..
    • MLS input forms updated..
    • MLS now provides for 1,500 characters in description..
    • MLS Training, Docusign template fix (lead based paint form) & update to policies & procedures..
    • Neat article about listing description..
    • Need your help..
    • New addition..
    • New ethical duty to provide written confirmation that offer was presented..
    • New MLS Office number..
    • New Notice of sale..
    • New service that might come in handy..
    • OAR Newletter week of March 13th..
    • OAR Newsletter..
    • OAR Newsletter..
    • Office Meeting today at 10:00am at office..
    • Office meeting, Tuesday, May 1st @ 10:00am..
    • Office meeting: Tuesday, 6/5 @ 10:00am..
    • Office update (my apologies for lengthiness but hope you will read in it's entirety)..
    • Office update..
    • Office Updates..
    • Office Website
    • OHFA Launches New Product to Reduce Out-of-Pocket Expenses for Homebuyers..
    • Our first 2019 Office meeting and 2018 income sheets..
    • Our new office address is:
    • Our next office meeting is Tuesday, July 3rd at 10:00am..
    • Our next office meeting will be on Tuesday, Dec. 4th @ 10:00am..
    • Our next office meeting will be on Tuesday, February 5th @ 10:00am..
    • Our next office meeting will be on Tuesday, October 2nd at 10:00am..
    • Our next Office Meeting will be on Tuesday, September 4th at 9:30am (please notice start time)..
    • Our next office meeting will be Tuesday, April 3rd @ 10:00am..
    • Our next office meeting will Tuesday, November 6 @ 10:00am..
    • Our next office meeting..
    • Our next office meeting..
    • Pete Kamples..
    • Please do this in your Docusign account..
    • Please welcome Ann Steinemann..
    • Please welcome Debbie Albrecht (pronounced all-bright) to HTFP!
    • Please welcome Judy Langel to HTFP..
    • Point of Sale - Cuyahoga County
    • Points to ponder when writing listings descriptions..
    • Policies & Procedures..
    • Power of Attorney..
    • Prepare for changes coming in August..
    • Real Estate & Professional Licensing Spring 2018 Newsletter
    • Real estate taxes..
    • Recent Cuyahoga County Tax re-assessment town hall meeting with Auditor..
    • Recommending inspectors..
    • Redfin Scam Alert..
    • Reminder..
    • REMINDER: MLS training at office this Monday, 9/10 at 1:30PM..
    • Rental Listings..
    • REO Properties: Are lenders exempt when it comes to disclosure?
    • Residential property disclosure form..
    • Seller occupying after closing..
    • Setting up your website..
    • Single-handedly..!
    • Smart Listing..
    • Something I plan to try that I thought might be of interest to some of you..
    • Staying in touch with clients..
    • Tech help..
    • Terry Crist reminded me about RPR | You can set up and access this from the first MLS login screen
    • Thank you!
    • Thanksgiving office hours..
    • The 48 Hour Rule is back effective 12/1/18 (evidently 72 hours was too much)!
    • The bad practice of changing pages on an accepted contract..
    • The most common license law violations recently reported..
    • The Tax Cuts and Jobs Act..
    • The up and coming Truth in Lending 3 day rule..
    • The week of June 25th - July 1st and July 4th..
    • Thoughts on classes, training, CE's & the like..
    • TILA-RESPA to be enacted on October 3rd, 2015
    • TILA/Settlement changes in August..
    • Tip for Data Collection Form..
    • Too make it a little easier..
    • Training videos, service additions & our websites..
    • Training..
    • VA appraisals..
    • VA financing on our listings..
    • Video from Peg Ritenour of OAR on Multiple Offers..
    • We need your help..
    • We've added another Pro to our line up..!
    • When client is an entity..
    • When working with buyers..
    • When working with two or more buyer clients on same house..
    • Why people buy?
    • Yard signs & riders..
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TILA-RESPA

Below please finds links to information about upcoming TILA-RESPA legislation going in to effect on August 1, 2015

Link to Consumer Financial Protection Bureau

Fifth Third Bank Presentation

Chicago Title Presentation

Sample Closing Disclosure

Sample Loan Estimate

Sample CFPB Seller Closing Disclosure

Sample ALTA Combined Settlement Statement
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