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HUD Proposes Changes to Home Mortgage Process

By Dennis DeAngelis
July 30, 2008

On March 14, 2008, the U.S. Department of Housing and Urban Development (HUD) published its 'Proposed Rule to Simplify and Improve the Process of Obtaining Mortgages and Reduce Consumer Settlement Costs' (Docket No. FR-5180-P-01, 73 Fed. Reg. 14030). If this Rule takes effect, it would drastically change the way residential mortgage transactions are conducted. (The Rule also contains provision on other topics such as average cost pricing and volume discounts that are beyond the scope of this article.)

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