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  • 00:46

    Hitler, Tila Tequila, Sharkeisha & Kanye Round 12

    in Comedy

    Tonight's show will continue the discussion from the last show about Sharkeisha and Sharmichael.  We'll also be reading excerpts from Tila Tequila's blog "Why I Sympathize With Hitler", as well as quickly talking about Kanye's current madness since we were cut off last week.  We might even verbally assault each other with homosexual barrages and forget we hate each other for five minutes.


     


     

  • 00:30

    How Late Can a Consumer Rescind? Jesinoski Revisited

    in Finance

    The parties were invited to attend a meeting at which the borrowers signed the papers. The originator is usually not in attendance. The closing agent, usually a title agent, takes the signed documents into escrow. At some later time the alleged loan is "funded" by a wire transfer from an unknown source. The borrower believes that the originator is loaning him the money. In truth it was a "table-funded" loan in which the name of the actual lender was actively concealed from the borrower and the actual "loan" was not funded until some time after the meeting. Later the mortgage is recorded and the note is released from escrow and sent to someone whom the closing agent assumes to be authorized to receive it. When was consummation?


    Later the successors to the loan documents will allege that the loan closing was "consummated" at the time of signing, but that is not right. If there was a consummation of the loan at all it didn't occur until hours, days, weeks or months or even years after the meeting. It is a question of fact as to when the alleged loan was consummated. And if there was a table-funded loan there might have been no consummation at all. Instead whoever the real lender is might have some claim for quantum meruit or unjust enrichment to get their money back but if they raise that claim they cannot do it using the note and mortgage. So when does the three day period commence for rescission? When does the three year period begin for rescission? Is there a time when the borrower is prohibited by statue from sending the notice of rescission? And what happens if some company steps up and complies and then asks for the money? They don't have to object to rescission --- they can agree. If rescission is effective when mailed, who can vacate it?

  • 00:11

    How Does The TILA RESPA Integrated Disclosure Rule Impact You?

    in Real Estate

    Join real estate influencer and leader Vija Williams and her husband co-host Ben Williams for Real Estate radio via Vija. This week they talk to Cody Touchette, of Caliber Home Loans, about the new TILA RESPA Integrated Disclosure Rule, which goes into effect August 1, 2015.  Cody will talk about the important changes, their impact on future transacations and what you need to know to be sure your closings happen on time and glitch free.


    This is a weekly show where we talk about what's buzzing in the Puget Sound real estate market and across the nation. Vija Williams is a well known real estate agent in the Seattle area and her husband co-host is also a Realtor in Seattle. Vija and Ben discuss consumer and industry related topics in a fast-paced, witty and entertaining way every Monday 9-9:30am PST live on air from the KKNW 1150AM studios in Seattle. Their show is simulcast on BlogTalkRadio/ViaVija

  • 00:30

    RESCISSION DEVIL IN THE DETAILS

    in Finance

    Lawyers and pro se litigants, particularly in foreclosures, are failing to realize the value of the PROCEDURES in TILA Rescission. They are a game changer --- shifting the burden from the the borrower to the lender (where it ought to be).

  • 00:31

    Big Trouble for Banks and Servicers on Mortgages

    in Finance

    The scheme created on Wall Street is starting to unravel. They are fast losing ground --- and the new question is what difference does it make if you say that the borrower stopped paying when you have no right to collect or enforce the loan? And where is the creditor who CAN enforce the debt? The banks and servicers' answers were accepted as gospel until the last year when things started to turn. Listen to tonight's show and learn how consumer loans were hijacked and who are the real losers.
     

  • 00:31

    Rescission Decision

    in Finance

    RESCISSION: I have received hundreds of requests and questions. It boils down to one thing — the rescission IS EFFECTIVE the moment it is dropped in the mail. People, lawyers and even Judges seem not to understand what that means despite a very terse snip from Justice Scalia speaking for an unusually unanimous Supreme Court in Jesinowksi. What it means is that the deal is done, canceled, rescinded (stick a fork in it). And what it also means is that the time starts to run on the duties of the “lender(s)” to comply with that cancellation/rescission. Telling you in a letter that you had no right to send it is NOTHING, as a matter of law.

  • 00:31

    ViaVija Real Estate Radio Discusses The State Of The Residential Lending Market

    in Real Estate

    Brian Pahlow of HomeStreet Bank and Billy Duffy of TILA Mortgage join Ben and Vija live to discuss residential lending in today's real estate market!


    Join real estate influencer and leader Vija Williams for Real estate radio via Vija. This is a weekly show where we talk about what's buzzing in the Puget Sound real estate market and across the nation. Vija Williams is a well known real estate agent in the Seattle area and her husband co-host is also a Realtor in Seattle. Vija and Ben discuss consumer and industry related topics in a fast-paced, witty and entertaining way every Monday 9-9:30am PST live on air from the KKNW 1150AM studios in Seattle. Their show is simulcast on BlogTalkRadio/ViaVija.

  • 02:02

    Man Meat, Horse Meat, and Tequila

    in Comedy

    There is a Tex/Mex-sized steak number of things going on. The annual NFL Slave Trade is taking place. The happily running for the roses horses are trying to win the Kentucky Derby, and Americans eveywhere are gleefully awaiting to don their sombreros, drink tequila, and celebrate Cinco de Mayo in honor of folks whom they refuse to let into their country. And...


    Jay, Matt, and the IWS Radio team break it all down for you. IWS offers NFL Draft analysis, recap the Derby, and preview the Cinco de Mayo celebration as they drink Mexican beer, and make fun of the French army.


    In addition to that, Jay and Matt discuss Supreme Court gay marriage oral arguments, the Baltimore riots, and take your phone calls at 661.244.9852 as IWS Radio presents: Man Meat, Horse Meat, and Tequila.


     

  • 00:54

    At Eye Level - El Cuarto de Mayo Holiday Mashup

    in Entertainment


    May The Fourth Be With You and ¡Salud, pesetas y amor y tiempo para gozarlos! [Health, love, money and the time to enjoy them!]  This week, we're gettin' our geek on and partying like it's 1979. Join us for 90 minutes of spaced out, chipotle flavored craziness with the OG's of Podcating Matt G and "Doc" Savage.


    Whether you've seen all of the original films in the theater or you've been subjected to the "Special Editions" and Jar-Jar Binks, we want to hear from you. Tell us about how you first fell in love with the franchise. What is it that makes it so eduring? Are you a collector? Tell us about how you got started and what keeps you going. Are you looking t expand your collection or have something to sell? Share that with our universe of over 80000 listeners. Or, if you just want to geek out on all things Jedi, call in and get a conversation started.


    While we're at it, we'll enjoy some traditional Mexican "refreshments" and share some good places to celebrate Cinco de Mayo. If you have any suggestions, feel free to call in and share.

  • 01:18

    Vaping, Smashing Pumpkins, Keith Mono, Tequila, UFOs, Sex

    in Comedy

    Tune in as Zig Zag and Rufus explore experimental radio, feel free to call in an give us your particular take on reality. No topic is taboo, except boring shit, but's thats up to you.


    On tonights episode: Vaping, Smashing Pumpkins, Keith Mono, Tequila, UFOs, Sex

  • 01:02

    4-6-15 SPECIAL GUEST: Ken Markison, MBA's VP to give TRID update & latest news.

    in Finance

    With the new TILA-RESPA Integrated Disclosure (TRID) just four very short months away, there has been considerable discussion about vendor readiness and even some rumors about a possible CFPB delay of the rule.  While a delay is not likely, the MBA Tech Conference in Orlando had two sessions and a supersession to discuss friction points and issues surrounding the rule from its effects on pre-application to closing.  Furthermore, the MBA wrote a letter along with many other trade organizations to the CFPB asking for a grace period on enforecement and liability.  Ken Markison, the Vice President of the Mortgage Bankers Association of America (MBA), has been at the forefront in dealing with the CFPB and has just returned from last week's Tech Conference and will be giving us an update on the latest having to do with TRID.  


    Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com giving a quick MTG NEWS HEADLINES update and Andy Schell (a/k/a "The Profit Doctor") on FINANCIAL MANAGEMENT.