This is a multipart message in MIME format.

——=_NextPart_000_0007_01C9C894.23CBBEC0
Content-Type: multipart/alternative;
boundary=”—-=_NextPart_001_0008_01C9C894.23CBBEC0″

——=_NextPart_001_0008_01C9C894.23CBBEC0
Content-Type: text/plain;
charset=”us-ascii”
Content-Transfer-Encoding: 7bit

The name Countrywide Financial has been retired and Bank of America Home
Loans has taken its place.

Bank of America Home Loans has renamed its one-page loan summary presented
to borrowers the Clarity Commitment. The bank said it will contain interest
rate, terms and other details of the loan in plain language similar to the
Good Faith Estimate.

Provided both at application and at closing, the Clarity Commitment
document, says Bank of America, is available on most new purchase and
refinance transactions, including traditional and government-backed loans.

In addition, the company said it has introduced the Bank of America Home
Loan Guide as part of the new Bank of America home
loans Web
site.

By explaining key data inputs, highlighting “rules of thumb” and tips with
each step, and providing context around the results, the guide is supposed
to give consumers relevant, personalized information that helps them
understand their options and make informed decisions.

Considering RESPA changes to the Good Faith Estimate and changes to the
HUD-1 if this Clarity Commitment is really necessary. I know I would
appreciate one less form to sign at a closing.

Continuing Education for Title Agents

Free classifieds for the
Title Industry

btn_viewmy_160x33

——=_NextPart_001_0008_01C9C894.23CBBEC0
Content-Type: text/html;
charset=”us-ascii”
Content-Transfer-Encoding: quoted-printable

v:* {behavior:url(#default#VML);}
o:* {behavior:url(#default#VML);}
w:* {behavior:url(#default#VML);}
.shape {behavior:url(#default#VML);}

——=_NextPart_001_0008_01C9C894.23CBBEC0–

——=_NextPart_000_0007_01C9C894.23CBBEC0
Content-Type: image/gif;
name=”image001.gif”
Content-Transfer-Encoding: base64
Content-ID:
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——=_NextPart_000_0007_01C9C894.23CBBEC0–