David Saks

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Education & Training - (retired) - TN LIC# 290452
David Saks is a musician, retired real estate broker, and long-time ActiveRain member. David's blog features important information relevant to the safety, integrity and security of the industry. In addition to his widely read real estate fraud blog, a comprehensive overview of real estate continuing education is a weekly addition for his subscribers and the ActiveRain community at-large. Thank you for subscribing to and for visiting David's ActiveRain home on the internet. Please join. Membership in ActiveRain will enrich your life !

ARCHIVED BLOG POSTS

2008 

10 Comments
                                        Mold is everywhere. It grows on everything. It can destroy everything, too. Mold can make you puke. Mold reeks. It can make you mad with nausea. It causes allergic reactions and can make it hard to breathe for many. It can release gases and toxins and cause...
04/06/2008
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                                                                                          We produce so much garbage in America everyday it defies reality, myself included; take my desk for example. (about like the pic) Recycling is so important, especially during these days of economic crunch. P...
04/06/2008
                                                                                                                                                                                                                                               CERCLA is the Comprehensive Environmental Response, Compen...
04/06/2008
2 Comments
                                          Buyers always want to make sure that the property their signing their life away for is in the condition it was promised before they assume occupancy. The buyer wants to know about these things: * The Seller's Deed * The Survey * Any Leases If Tenants Resi...
04/06/2008
                                    When do real estate closings have to be reported to the IRS ( Internal Revenue Service ) and how are they reported? The form used to report real estate closings is IRS form 1099-S. Properties that have to be reported include: 1. Condominium Units, common elemen...
04/06/2008
                                     Kickbacks and referral fees: Are they good ? Are they bad ? What are your experiences with them ? RESPA, the Real Estate Settlement Procedures Act, prohibits the payment of kickbacks or unearned fees, for the performance of any real estate settlement service. ...
04/06/2008
                                         The Uniform Settlement Statement - HUD-1 Form. What does it mean ? RESPA, the Real Estate Settlement Procedures Act, requires that a special HUD form be completed. This form itemizes all of the charges to be paid by a borrower and a seller at the settlemen...
04/06/2008
                                         Another disclosure requirement is: The Good Faith Estimate of Settlement Costs : GFE No later than three business days after receiving a loan application, the lender has to provide the borrower with what as known as the Good Faith Estimate or the GFE of th...
04/06/2008
                                                         We all know that lenders and settlement agents have disclosure obligations.  What are some of them at the time of the loan application and the loan closing. The Special Information Booklet. Lenders have to provide of copy of the special inf...
04/06/2008
                                                        We all know that lenders and settlement agents have disclosure obligations.  What are some of them at the time of the loan application and the loan closing.The Special Information Booklet.Lenders have to provide of copy of the special inform...
04/06/2008
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David Saks

May God Bless You, Always. David
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