Capitol Insider April 29, 2011

 

aPRIL 29, 2011   Victory for Private Property Rights   On April 27, with the stroke of her pen, Governor Jan Brewer signed HB 2193: Municipal Water Charges; Responsibility into law. This legislation was brought forward by the Arizona Association of REALTORS® in conjunction with Representative Jim Weiers, the bill sponsor, to resolve concerns regarding municipal requirements that held property owners liable for the unpaid water bills of tenants or prior owners.   The key provisions of this legislation are as follows: ·          Specifies, for a residential property of four or fewer units, that a municipality may require payment only from the person who has contracted for water and wastewater service, physically resides or resided at the location and receives or received the service. ·          Allows other entities, at their sole discretion, to contract for water and wastewater service with a municipality and provide payment for those services. Other entities may include property owners or immediate family members who do not reside at the location. ·          Prohibits, for a residential property of four or fewer units, a municipality from refusing service, due to unpaid service charges, to anyone other than the person who resided and received service at the property.   This legislation did not contain a specified effective date; as a result, the legislation will become effective on July 20, 2011. This means that any municipality that is currently utilizing unfair practices or ordinances to usurp the law and require the property owner to contract for the tenant’s water service will have to change that practice by July 20. The Arizona Association of REALTORS® applauds Representative Jim Weiers for championing HB 2193 as well as Governor Jan Brewer for once again recognizing the importance of personal accountability and the continued protection of personal property rights.   — NICOLE LASLAVIC, AAR GOVERNMENT AFFAIRS DIRECTOR   Visit RALLiNOW.com for all the latest legislative information. Contact Legislative and Political Affairs Arizona Association of REALTORS® 255 E. Osborn Rd., Ste. 200  •  Phoenix, Arizona 85012 www.aaronline.com   Telephone: (602) 248-7787  •  Fax: (602) 351-2471 Copyright © 2011 Arizona Association of REALTORS®. All rights reserved. You have received this message because you have subscribed to a mailing list of Arizona Association of Realtors. If you do not wish to receive periodic emails from this source, please click below to unsubscribe.

 

Capitol Insider April 22, 2011

 

aPRIL 22, 2011 Legislative Session Adjourns Sine Die   Early Wednesday morning, 5:25 a.m. to be exact, the legislature adjourned sine die; this being a goal of both the House and the Senate to complete all legislative work by the 100th day. Although the 100th day session is not constitutionally required and does not appear in statute, the goal does exist in both the House and Senate rules. The rule specifically reads, “that unless authorized either by the presiding officer (for a one-week extension) or by a majority vote of the members of each house (for additional extensions), the legislature shall adjourn by the Saturday of the week in which the 100th day of session falls. Of the sessions for which an accurate record is available (37 sessions since 1965), the 100th day deadline has only been achieved 15 times.   When all was said and done, the legislature dropped 1,350 bills, which is the fourth highest bill total in the last 51 years. The breakdown of the 1,350 bills was 726 in the House (the sixth highest total during the last 51 years) and 624 in the Senate (the second highest in the 51-year timeframe). Upon sine die, the legislature passed 386 bills or 28.6%. Of note, after the legislature adjourns, the governor has 10 days to either sign, veto or let a piece of legislation go into effect without her signature. To date, the governor has vetoed seven bills and has signed 211 into law.   Update on last week’s Capitol Insider   As many will recall, last week’s Capitol Insider showcased bills that the Arizona Association of REALTORS® actively worked on this legislative session. Specifically, SB 1292 (real estate; education; broker requirements) was signed by the governor on April 18, 2011. Since the bill did not contain an emergency clause or a delayed effective date, the legislation will become effective on July 20, 2011.   The key provisions of this legislation are as follows: ·          Requires a real estate broker to review a listing agreement, purchase or non-residential agreement within 10 business days from date of agreement execution; ·          Defines business day as any day excluding Saturday, Sunday, and any other holiday deemed as such by the state of Arizona; ·          Requires an applicant for a real estate license to have knowledge of real estate practices and principles as determined by the Real Estate Commissioner; ·          Authorizes the commissioner to deny an instructor’s license if the course content is not current, or if the course content is substantially different from the approved course content; ·          In the 24 months prior to application, requires each course applicant for an initial or renewal instructor’s license to attend a three-hour professional seminar or workshop; o   Begins January 1, 2012, and excludes an applicant that is a panelist, guest speaker, attorney or out-of-state instructor; ·          Allows the commissioner to waive the requirement to attend a seminar or workshop.   This is the first step as requested by our members in a series of efforts to raise the continuing education standards for those in the real estate industry. As previously stated, prior to the next legislative session, Tom Farley, CEO of AAR, will host a series of legislative drafting meetings with instructors, schools, agents and brokers in order to draft the next legislative effort to be introduced in 2012.   Another piece of legislation that the association has diligently worked on this legislative session is HB 2193 (municipal water responsibilities; charges), which addresses an unfair practice by some municipalities who require landlords to sign a contract for water or wastewater services received by a tenant. Upon the governor’s signature, this bill would become effective on July 20, 2011. The key provisions of this legislation are as follows: ·          Specifies, for a residential property of four or fewer units, that a municipality may require payment only from the person who has contracted for water and wastewater service, physically resides or resided at the location and receives or received the service. ·          Allows other entities, at their sole discretion, to contract for water and wastewater service with a municipality and provide payment for those services. Other entities may include property owners or immediate family members who do not reside at the location. ·          Prohibits, for a residential property of four or fewer units, a municipality from refusing service, due to unpaid service charges, to anyone other than the person who resided and received service at the property.   This bill is a significant reform effort of an unfair practice mandated by some municipalities and if passed will restore local control into the hands of the property owner. This bill currently sits on the governor’s desk and awaits her signature, veto or will go into effect without her signature.   Look for future editions of the Capitol Insider for up-to-date information on the remaining action to be taken by the governor on bills of importance to the association.   — NICOLE LASLAVIC, AAR GOVERNMENT AFFAIRS DIRECTOR   Visit RALLiNOW.com for all the latest legislative information. Contact Legislative and Political Affairs Arizona Association of REALTORS® 255 E. Osborn Rd., Ste. 200  •  Phoenix, Arizona 85012 www.aaronline.com   Telephone: (602) 248-7787  •  Fax: (602) 351-2471 Copyright © 2011 Arizona Association of REALTORS®. All rights reserved.     You have received this message because you have subscribed to a mailing list of Arizona Association of Realtors. If you do not wish to receive periodic emails from this source, please click below to unsubscribe.

 

What the Heck is MIP Changes?

 

visit my website     emil me now Theron Wall Branch Manager 3615 Crossings Dr, Suite A Prescott, AZ 86305 Phone: (928) 778-7167 Mobile: (928) 533-7473 Fax: (928) 445-5308 April 19, 2011 Inside Lending Bulletin New FHA Annual (monthly) MIP Increases These changes were effective April 18, 2011 (for case numbers assigned on or after this date) The Upfront Mortgage Insurance remains at 1.00%. The Annual Insurance Premium will increase from .90% to 1.15% for LTV's greater than 95% on 30 yr loans. The Annual Insurance Premium will increase from .85% to 1.10% for LTV's less than or equal to 95% on 30 yr loans. The Annual Insurance Premium will increase from .25% to .50% for LTV's greater than 90% on 15 yr loans. The Annual Insurance Premium will increase from 0% to .25% for LTV's less than or equal to 90% on 15 yr loans. To read Mortgagee Letter 11-10 in its entirety, click here. In other words: on a $100,000 FHA 30 year fixed this equals a $21 higher monthly payment for homebuyers. Please call or email us for more information. This e-mail is an advertisement that was sent to you because of your relationship with Theron Wall. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice or a commitment to lend. Although the material is deemed to be accurate and reliable, there is no guarantee of its accuracy. The material contained in the newsletter is the property of Wallick & Volk Mortgage and cannot be reproduced for any use without prior written consent. Wallick & Volk Mortgage is an Equal Housing Lender. BK 0018295 NMLS #256412

 

Cost of Closing a Home

If you thinking about buying a home?  Here's a tip I'm sharing with people who are buying a home.  I hope you find it useful.

On closing day, you officially become the owner of your home.  It's important to understand and prepare for the costs associated with closing.  Here are some kinds of the fees involved in a standard closing.

Inspections - you may have already paid these costs.  If not, they are collected at closing.
Title Insurance - pays to research who legally owns the property and protects you and the lender against loss or damage if someone should challenge your ownership.
Loan Origination Fee - This is the fee paid to the company originating your loan to cover their costs associated with creating, processing, and closing your mortgage.
Homeowners Insurance - Your lender will require proof that you have adequate homeowners insurance.  You may be required to pay the first year's premium.
PMI - Private Mortgage Insurance is required by your lender if you put less than a 20 percent down payment on your home.
Property taxes - These are based upon the purchase price of your home

In a typical home purchase, closing costs equal about 2 to 5 percent of the purchase price of the home.  You don't want to be caught short at this important time.  If you'd like more information, just call or send me an email.

 

 

  Please visit my website for contact information

http://bradbergamini.com or http://everythingprescott.com

 

 

Daily Thought

(John Wooden) taught us that doing the best you are capable of is victory enough.

-Kareem Abdul-Jabbar


Habit Principle 2: Begin With The End In Mind

While practices are situation specific, principles are deep, fundamental truths that have universal application. They apply to individuals, to families, and to private and public organizations of every kind. when these truths are internalized as habits, they empower people to create a wide variety of practices for dealing with different situations.

This is not the opinion of Brad Bergamini, Realty Executives Northern Arizona or any of its affiliates.  This post is for informational purpose only and is not guaranteed and does not render as legal advice.  Buying and selling Real Estate in Arizona or Prescott Arizona is a serious task and should be consulted with personally with Realtor or Real Estate Attorney.  Please visit my website for contact information

http://bradbergamini.com or http://everythingprescott.com

 

 

Inside Lending Newsletter From Theron Wall

 

visit my website     email me now Theron Wall Branch Manager 3615 Crossings Dr, Suite A Prescott, AZ 86305 Phone: (928) 778-7167 Mobile: (928) 533-7473 Fax: (928) 445-5308 For the week of April 18, 2011 – Vol. 9, Issue 16 >> Market Update  QUOTE OF THE WEEK..."A pessimist sees the difficulty in every opportunity; an optimist sees the opportunity in every difficulty."--Winston Churchill INFO THAT HITS US WHERE WE LIVE...Optimists received some encouragement from data aggregator CoreLogic, who reported that home prices fell again in February, but the price drops appeared mostly with distressed sales--short sales and bank-owned homes, otherwise known as REO properties. Excluding these, the CoreLogic index was essentially flat, down just 0.1% versus a year ago. Their Chief Economist commented, "When you remove distressed properties from the equation, we're seeing a significantly reduced pace of depreciation and greater stability in many markets." During the month, 6 out of 10 of the country's biggest markets saw home price APPRECIATION in non-distressed sales. The Mortgage Bankers Association (MBA) predicts rates on 30-year fixed-rate mortgages could rise a bit in the second half of this year. They see this gradual rise in mortgage rates continuing, even if the Federal Funds rate does not increase for another six to 12 months, as many economists expect. That's because both the Treasury Department and the Fed announced last month they would start selling their huge portfolios of mortgage-backed securities. Some analysts believe these moves will raise rates. BUSINESS TIP OF THE WEEK...Two of the most powerful words in business are "thank you." Let your customers and employees know how much you appreciate them. Say "thank you" often. Even better, write them a note--not an email, text or Tweet, but an old-fashioned, hand-written, personal note! >> Review of Last Week SLOPING SIDEWAYS...Stocks were down for the week, but only slightly, falling sideways, if you will. This seemed to stem from general investor unease over the U.S. budget deficit, the European debt crisis and a mixed reaction to Q1 corporate earnings. Alcoa beat estimates, but revenues were off. JPMorgan Chase topped expectations, but Bank of America missed. Even Google was punished for higher operating costs, while reporting in-line earnings and better than expected revenue. Yet, the 33 S&P 500 companies reporting so far had 7.3% higher sales and 38% better earnings than a year ago. In other news, Retail Sales were on a roll in March, up 0.4% overall and up 0.8% taking out autos. That's annual sales growth of almost 10%, so the consumer is clearly helping out. On the inflation front, the PPI showed prices for producers continued up in March, though less than anticipated. And these increases were NOT getting passed on to the consumer, since the Core CPI showed prices up just 1.2% from a year ago. However, most economists expect inflation to go up, and with that comes higher interest rates, so home buyers and refinancers should not be too complacent about today's low rates.  For the week, the Dow ended down 0.3%, at 12,342; the S&P 500 was off 0.6%, to 1,320; and the Nasdaq was also off 0.6%, ending at 2,765. There were some solid gains in the bond market, supported by the better than expected inflation readings. There was also some safe-haven bond buying coming off European concerns, after Moody's downgraded Ireland's debt. The price of the FNMA 4.0% bond we watch ended the week up .96, closing at $98.15. In spite of this, national average rates for conforming mortgages edged up in Freddie Mac's weekly survey. But rates remain historically low, "helping to maintain affordability in the housing market," according to Freddie Mac's Chief Economist. DID YOU KNOW?...The Census Bureau reports the median size for a new home dropped to 2,135 square feet in 2009, down from its peak of 2,300 square feet earlier in the decade. The typical owner-occupied home has three bedrooms and two baths. >> This Week’s Forecast HOMES STARTED, HOMES PERMITTED, HOMES SOLD...This week looks at a good part of the housing market. March Housing Starts on Tuesday are expected to be up nicely, the same as Building Permits, which show planned starts a month or two out. Wednesday's Existing Home Sales should report the annual rate back at 5 million, definitely a good thing. Other data includes the Philadelphia Fed Index of manufacturing activity in that region, forecast down some for April. We'll also look at the overall recovery with March Leading Economic Indicators, predicted up by a small amount. On Good Friday, the markets will be closed and there are no economic reports. >> The Week’s Economic Indicator Calendar Weaker than expected economic data tends to send bond prices up and interest rates down, while positive data points to lower bond prices and rising loan rates. Economic Calendar for the Week of April 18 – April 22  Date Time (ET) Release For Consensus Prior Impact Tu Apr 19 08:30 Housing Starts Mar 520K 479K Moderate Tu Apr 19 08:30 Building Permits Mar 538K 517K Moderate W Apr 20 10:00 Existing Home Sales Mar 5.00M 4.88M Moderate W Apr 20 10:30 Crude Inventories 4/16 NA 1.627M Moderate Th Apr 21 08:30 Initial Unemployment Claims 4/16 390K 412K Moderate Th Apr 21 08:30 Continuing Unemployment Claims 4/16 3.650M 3.680M Moderate Th Apr 21 10:00 Leading Economic Indicators Index (LEI) Mar 0.2% 0.8% Moderate Th Apr 21 10:00 Philadelphia Fed Index Apr 32.9 43.4 HIGH   >> Federal Reserve Watch    Forecasting Federal Reserve policy changes in coming months...Last week's benign inflation readings mean the Fed can hold onto its rock bottom rates a while longer. Economists expect this to be the situation in the near term. Note: In the lower chart, a 1% probability of change is a 99% certainty the rate will stay the same. Current Fed Funds Rate: 0%–0.25% After FOMC meeting on: Consensus Apr 27 0%–0.25% Jun 22 0%–0.25% Aug 9 0%–0.25% Probability of change from current policy: After FOMC meeting on: Consensus Apr 27      <1% Jun 22      <1% Aug 9      2% Dce  This e-mail is an advertisement for Theron Wall. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice, or a commitment to lend. Although the material is deemed to be accurate and reliable, there is no guarantee of its accuracy. The material contained in the newsletter is the property of Wallick & Volk Mortgage and cannot be reproduced for any use without prior written consent. It is designed for real estate and other financial professionals only. It is not intended for consumer distribution. The material does not represent the opinion of Wallick & Volk Mortgage. BK 0018295 NMLS #256412

 

This is not the opinion of Brad Bergamini, Realty Executives Northern Arizona or any of its affiliates.  This post is for informational purpose only and is not guaranteed and does not render as legal advice.  Buying and selling Real Estate in Arizona or Prescott Arizona is a serious task and should be consulted with personally with Realtor or Real Estate Attorney.  Please visit my website for contact information

http://bradbergamini.com or http://everythingprescott.com

 

 

What is a Closing

If this is the first time you've bought a home, you might like to know more about the process.

The day that you pay for your home and receive the deed is called Closing.

The closing process, also called settlement or escrow, is a brief process where you sign all of the necessary paperwork to complete the purchase of your home.  This is when the title to the property is transferred from the seller to you.  Then you receive the keys to your home and the seller receives payment for the home.  Deeds, loan papers, and other documents are signed at this time, then they're filed with local property record offices.

Note:  The papers you receive here are extremely important.  Keep them in a safe place.

As of closing, all utility bills should be paid in full by the seller.  Now services are transferred to your name for billing.  I can give you the phone numbers for the utility companies, such as water, sewage, gas, and electric.

If you would like to know more about what happens at Closing, please call or send me an email.  I would love to share with you.

 

 

Estate in Arizona or Prescott Arizona is a serious task and should be consulted with personally with Realtor or Real Estate Attorney.  Please visit my website for contact information

http://bradbergamini.com or http://everythingprescott.com

 

 

Professional Home Inspection

Hey there, Are you preparing to buy a home? Here's a tip I'm sharing with people who are buying homes. It is a really good idea to get your property inspected by a professional before you buy. The purchase of a home is probably the biggest investment you will ever make. You don't want any unpleasant surprises. Even newly constructed homes can have major flaws. The small price you pay an inspector can save you thousands of dollars in the long run. A home inspector is typically contacted right after the contract or purchase agreement has been signed, and is often available within a few days. However, before you sign, be sure that there is an inspection clause in the contract, and be sure your offer to purchase is subject to your review and approval of a professional home inspection. To find a reliable inspector, you can ask friends, contact The American Society of Home Inspectors (http://www.ashi.com ) or I can give you recommendations. Plan on being present during the inspection, so that you can ask questions and learn more about the home first hand. If the inspection reveals problems, you have some choices. If no problems are found, you will have learned many things about your home, including what maintenance is necessary to keep it in good shape. A standard home inspector's report will review the condition of the home's heating system, central air conditioning system, interior plumbing and electrical systems; the roof, attic, and visible insulation; walls, ceilings, floors, windows and doors; the foundation, basement, and visible structure. I hope this information is useful to you. If you would like to know about home inspections, please call or send me an email. Thank you, Brad B. Bergamimi Brad Bergamini Realty Executives Northern Arizona Direct: 9282374400 Office: 9287770257 Cell: 9289251158 Cell: 9285331633 Toll Free: 8885333839 Email me at: Brad@WelcomeToPrescott.com Visit my website at: www.BradBergamini.com

 

Capitol Insider April 5, 2011

 

April 5, 2011   Arizona’s Budget- Update   This past Friday at 8:09 a.m., the House of Representatives passed a budget after an almost five-hour floor session to debate and vote on the bills. As expected, the budget bills received overwhelming support from the Republican caucus and vocal opposition from the Democrat caucus. The final budget agreement more closely resembled the budget plan passed by the Senate than Governor Brewer’s January proposal. Overall, the budget cut about $200 million less than the original Senate plan and $467 million more than the governor’s plan. The following are some of the major budget components.   AHCCCS: $67.8 million reductions in fiscal year 2011. $510.6 million reductions in fiscal year 2012. Community Colleges: $72.9 million cut in fiscal year 2012. Corrections; $10 million increase in fiscal year 2012. Department of Economic Security: $31 million reduction in fiscal year 2011. $50.4 million            cut in fiscal year 2012. K-12: $1.9 million increase in fiscal year 2011. $183.2 million cut in fiscal year 2012. Health Services: $2.6 million cut in fiscal year 2011. $53.4 million cut in fiscal year 2012. University: $198 million cut in fiscal year 2012. Other Agencies: $11.6 million in fiscal year 2011. $22.6 million cut in fiscal year 2012.   Friday afternoon, the budget was transmitted back to the Senate where the budget bills were final read. The final vote on all of the bills was split down party lines with 21 ayes (Republicans) eight nays (Democrats) and one not voting (Senator Linda Lopez). After the vote, all bills were transmitted to the governor. It is anticipated that the governor will sign the budget that was sent up to her desk last Friday.   Progress of Association Bills   Yesterday, two very important bills to the association made crucial steps toward becoming law. In the House of Representatives SB 1149 (planned communities; condominiums; document fees) was third read with a vote of 56-3-1. Since the bill was amended in the House Committee of the Whole, it will now be transmitted back to the Senate where the sponsor of the bill (Senator Andy Biggs) will either concur or object to the changes made in the House. It is expected that Senator Biggs will concur on the changes, and the bill will be final read in the Senate. Once it is final read, and passes, the bill will be transmitted to the governor’s desk for her signature.   As one will recall from past Capitol Insider editions, SB 1149 limits the fee that a planned community and condominium association can charge a unit owner for the preparation of required documents associated with the resale of a unit to an aggregate of $400. The bill also prohibits a condominium or planned community from charging a fee for the use or placement of a for sale sign or for lease sign by a unit owner. The bill further establishes that any association, declarant or property management company that acts in violation of statutes allowing the placement of specified signage, forfeits their lien rights for a period of six consecutive months.   The other piece of legislation that was heard yesterday in the Senate Committee of the Whole was HB 2193 (municipal water charges; responsibility). Though this bill was not amended in the Senate Water, Land Use and Rural Development Committee, it was amended with a simple amendment in the Senate Rules Committee (for clarifying purposes to the language) and as a result had to be heard in the Senate Committee of the Whole. The bill received no discussion, and it is anticipated it will be third read later this week.   AAR has actively worked on HB 2193 throughout the legislative process. This bill establishes the responsible party for payment of municipal water and wastewater rates, fees and service charges as the person who contracted for the service, resides at the property and receives the service.   Sine Die in the Near Future   With the budget now on the governor’s desk, the end of session (sine die) is on the horizon. If the governor signs the budget, the rest of session will focus on passing the remainder of the bills that are still alive in the legislative process. Many individuals believe that session could wrap up within a month’s time. This includes pushing the bills through the Committee of the Whole, Third Read and Final Read then up to the governor’s desk for her signature or veto. As a result, expect movement on many of the bills that the association has been involved with and updates as the bills progress through the process.   You have received this message because you have subscribed to a mailing list of Arizona Association of Realtors. If you do not wish to receive periodic emails from this source, please click below to unsubscribe.

 

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Swing into spring!

 

	Spring is in full swing! They say April showers bring May flowers, so whether you enjoy a month of warmer, dry weather or lots of rain, there's plenty to look forward to!
	Just the facts ...   Also in April ... • The Cherry Blossom Festival in Washington, DC runs through April 10 this year and commemorates the gift of 3,000 cherry trees from the Mayor of Tokyo to DC in 1912. • George Washington took the oath of office on April 30, 1789 to become the first President of the United States and the only President to receive 100 percent of the electoral votes. • The birthstone of April is the diamond, and the birth flower is the daisy or the sweet pea. • Your taxes are due on April 18 this year instead of April 15.   • Taxes due — April 18 • First day of Passover — April 19 • Earth Day — April 22 • Easter — April 24 • Administrative Professionals Day — April 27 • Take Our Sons and Daughters to Work Day — April 28 • National Library Week — April 10-16 • National Poetry Month • Stress Awareness Month • National Autism Awareness Month

Mark Ott Loan Officer W.J. Bradley Mortgage Capital Corp. Office: 928-775-9330 Cell: 928-713-9639 NMLS: 189552 License: BK-0903998 Contact Me My Website

© 2011 W.J. Bradley Mortgage Capital Corp., 201 Columbine Street Suite 300, Denver, CO 80206. Phone #303-825-5670. NMLS ID 3233. Trade/service marks are the property of W.J. Bradley Mortgage Capital Corp. This is not a commitment to lend. Restrictions apply. All rights reserved. Some products may not be available in all states. Alabama Consumer Credit License MC 20878; AZ License # BK-0903998; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act RML# 4131002; To check the license status of your CO Mortgage Broker, visit www.dora.state.co.us/real-estate/index.htm; Florida Mortgage Lender license #ML.100000098; ID Mortgage Broker License No. MBL-2803; IL Residential Mortgage Licensee – License #MB.6760738, 201 Columbine Street, Suite 300, Denver, CO 80206; MI First Mortgage License No. FL0011392; MN Residential Mortgage Originator License No. 20447094; NV Mortgage Banker License No. 2061; NV Mortgage Broker License No. 504; NM Mortgage Loan Company and Loan Broker Act Reg. No. 01856; OK Mortgage Broker- License No. MB001365; OR Mortgage Lender License No. ML-776; TX Mortgage Banker Reg. No. 74182; UT Mortgage Lender Company License No. 5495659-MLCO; Vermont Broker License #0995MB; Vermont Lender License #6141; WA Consumer Loan License No. CL-3233; Wisconsin Mortgage Banker License No. 699991.