All USA
AUG. 7-10: ENCELIUM TECHNOLOGIES TO EXHIBIT AT GOVENERGY 2011 TRADE SHOW IN CINCINNATI
CINCINNATI, OH/TEANECK, N.J. - July 19, 2011 - (RealEstateRama) -- Encelium Technologies will showcase its innovative energy management and lighting control systems at GovEnergy 2011: A River of Energy Solutions Workshop and Trade Show, Booth #834, from Sunday, August 7 to Wednesday, August 10, 2011, at the Duke Energy Convention Center in Cincinnati, Ohio. At the trade show, attendees will get an insider’s look at Encelium’s new Polaris 3D, its next generation of lighting control software for the company’s Energy Control System (ECS).
Lee & Associates Leases 36,633 Square Feet in Suwanee, GA
Torrance, CA - July 19, 2011 - (RealEstateRama) -- Thomas Bryant and Richard Bryant from the Atlanta office of Lee & Associates, the nation’s largest broker-owned commercial real estate services firm, have completed a lease worth in excess of $1.1 million for an industrial property in Suwanee, Georgia. They were able to achieve this within four months of taking the assignment.
HUD SECRETARY ANNOUNCES DISASTER ASSISTANCE FOR PUERTO RICO STORM VICTIMS
WASHINGTON, DC - July 19, 2011 - (RealEstateRama) -- U.S. Housing and Urban Development Secretary Shaun Donovan today announced HUD will speed federal disaster assistance to the Commonwealth of Puerto Rico and provide support to homeowners and low-income renters forced from their homes following severe storms, flooding, mudslides, and landslides in May and June.
Steve Coogan swaps Travel Tavern for £2.45 million UK property
Singapore - July 19, 2011 - (RealEstateRama) -- British comedian and Hollywood actor Steve Coogan won’t need to stay at the local Travel Tavern like his comedy alter-ego ‘Alan Partridge’. He is now the proud new owner of Ovingdean Grange near B...
PCCP Provides Senior Loan to Finance the Acquisition of Three Bank-Owned Class A Office...
SAN FRANCISCO, CA - July 19, 2011 - (RealEstateRama) -- PCCP, LLC provided a senior participating loan to Basin Street Properties to finance the REO acquisition of Sequoia Center, a three-building Class A office property totaling 210,000 square feet. The buildings are located within the desirable Redwood Business Park, a 1.1 million square-foot master-planned business park in Petaluma, Calif. Sequoia Center was vacant at the close of escrow, however a 96,000-square-foot lease has been signed with Enphase Energy which will bring the occupancy up to 46 percent by the end of 2011. The property includes a three-story building built in 1998 located at 1400 North McDowell Blvd., a three-story building built in 2000 located at 1420 North McDowell Blvd., and a four-story building built in 1999 located at 5341 Old Redwood Hwy.
Majority Would Squat in Vacant Home
WASHINGTON, D.C. - July 19, 2011 - (RealEstateRama) -- The majority of those surveyed would squat in a vacant home if things got so bad economically they were forced to do so, according to a new Housing Predictor opinion poll
HGA-Designed Pediatric Clinic Opens at Axis Community Health Center
Pleasanton, CA - July 19, 2011 - (RealEstateRama) -- The HGA Architects and Engineers-designed Pediatric Clinic at Axis Community Health Center in Pleasanton, Calif., announces its official opening to the Tri-Valley community. By providing full architectural and structural engineering services, HGA’s expansion at the 3,000-SF center helped upgrade the pediatric clinic to a more functional facility and included two new exam rooms, a testing room, a lab, an office and a reception station.
FEMA Specialists Offer Rebuilding Advice at Home Stores
Columbia, MO - July 19, 2011 - (RealEstateRama) -- Mitigation experts from the Federal Emergency Management Agency (FEMA) will be in Kennett to offer free rebuilding information and answer questions about how to strengthen property against future st...
Stabilizing the Housing Market is Key to the Economic Recovery, Say Realtors
Washington, DC - July 19, 2011 - (RealEstateRama) -- Stability in the housing market will lead to a quicker and greater economic recovery, according to the National Association of Realtors®. In a letter to Shaun Donovan, secretary of Housing and Urban Development; Timothy Geithner, secretary of the Treasury; and Gene Sperling, director of the National Economic Council, NAR offered its recommendations for helping stabilize and revitalize the housing industry and economy.
Housing Production Regains Some Strength in June
WASHINGTON, D.C. - July 19, 2011 - (RealEstateRama) -- Nationwide housing starts rose 14.6 percent to a seasonally adjusted annual rate of 629,000 units in June, according to figures released by the U.S. Commerce Department today. This was the best pace of housing production since the beginning of the year, and was attributable to significant gains registered in both the single-family and multifamily segments as well as every region of the country."Today's numbers are an encouraging sign that builders are responding to improving consumer interest in new homes and apartments by gradually replenishing their extremely thin inventories in places where demand is evident," said Bob Nielsen, chairman of the National Association of Home Builders (NAHB) and a home builder from Reno, Nev. "That said, the lack of access to construction credit remains an impediment to starting new projects and getting building crews back to work in markets that are improving."
Key to Rebuilding Missouri is Low-Interest Disaster Loans
COLUMBIA, MO - July 19, 2011 - (RealEstateRama) -- Missourians who suffered damage or loss from the severe storms, tornadoes and flooding and received a disaster loan application from the U.S. Small Business Administration (SBA) are urged to complete and return the application by the July 29, 2011 deadline.
Redfin Releases Native Real Estate Search Application for Android Mobile Devices
San Francisco, CA - July 19, 2011 - (RealEstateRama) -- Redfin today released Redfin for Android, a map-driven real estate search application for mobile devices using Google's Android operating system.
Broker Arian Adorno makes finding Sobe homes a breeze for his clients with custom...
EUGENE, OR - July 19, 2011 - (RealEstateRama) -- Broker Arian Adorno and IDX, Inc. have teamed up to revolutionize the way New Age Properties home seekers search for homes online with a custom IDX solution. IDX Broker software is synced to the search page Adorno hosts, creating a dynamic database of Greater Miami (RAMBMLS) homes. Adorno's Sobe cleints can now easily and quickly experience a comprehensive online real estate search without ever having to leave the convenience of his IDX-enabled website.
Federal Court in Michigan Continues to Decline To Reconsider MERS-Related Foreclosures
Reston, VA - July 18, 2011 - (RealEstateRama) -- Another ruling from the U.S. District Court in the Eastern District of Michigan Southern Division declined to reconsider a non-judicial foreclosure initiated by Mortgage Electronic Registration Systems, Inc. (MERS), as mortgagee, underscoring former borrowers’ lack of standing under Michigan law to challenge a foreclosure after the statutory redemption period has expired, further limiting the applicability of the Michigan Court of Appeals’ decision in Residential Funding v. Saurman/Bank of New York Trust v. Messner (“Saurman”).
PRESS CONFERENCE MONDAY, JULY 18, 2011 @ 11AM Gregory W. Meeks Urges Constituents at...
JAMAICA,NY - July 18, 2011 - (RealEstateRama) -- Congressman Gregory W. Meeks (NY-6), senior member of the Financial Services Committee and House Foreign Affairs Committee, along with community organizations, including Neighborhood Works America, will hold a press conference on Monday, July 18, 11:00 am to urge eligible homeowners to act quickly to apply for the U.S. Department of Housing and Urban Development (HUD) Emergency Homeowners’ Loan Program (EHLP). Congressman Meeks will be joined by Adolfo Carrion, HUD Regional Administrator, Region II. Mr. Carrion is a former Bronx Borough President and director of the White House Office on Urban Policy.
State housing agency commits $4.9 million statewide to prevent homelessness in Texas
AUSTIN, TX - July 18, 2011 - (RealEstateRama) -- The Texas Department of Housing and Community Affairs (TDHCA) today announced a series of major funding awards designed to help homeless Texans secure permanent housing and strive toward self-sufficiency, bringing greater stability to individuals and the communities in which they live.TDHCA awarded a total of $4.9 million in federal funds to 44 nonprofit organizations renovating or converting buildings for use as emergency shelters, as well as to help provide an array of essential services to homeless individuals.
FORECLOSURE FAIRNESS ACT TAKES EFFECT JULY 22, WASHINGTON IS THIRD NON-JUDICIAL FORECLOSURE STATE TO...
Olympia, WA - July 18, 2011 - (RealEstateRama) -- The Washington State Foreclosure Fairness Act Mediation Program begins Friday, July 22. The program, a result of bipartisan legislation (SSHB1362, Chapter 58, Laws of 2011) during the 2011 session, make...
Former Local Administrator of NJ Home Energy Assistance Program Sentenced to Prison for Defrauding...
TRENTON, NJ - July 18, 2011 - (RealEstateRama) -- Attorney General Paula T. Dow and Criminal Justice Director Stephen J. Taylor announced that a Paulsboro woman who formerly worked as a local administrator of the New Jersey Home Energy Assistance (HEA) Program was sentenced to state prison today for defrauding the program of more than $20,000 by filing false applications to obtain benefits. In addition, a second former local administrator of the program pleaded guilty today to stealing over $40,000 in program benefits through the submission of fraudulent benefit applications.
Udall: $10 Million in Federal Funds Available to Help Struggling New Mexicans Keep Their...
WASHINGTON, DC - July 18, 2011 - (RealEstateRama) -- U.S. Senator Tom Udall (D-NM) today urged New Mexicans who are at risk of foreclosure to take advantage of a new federal program that has made more than $10 million available in interest-free, for...
Anthony Rueda and Associates join with IDX Broker to present innovative online property search
EUGENE, OR - July 18, 2011 - (RealEstateRama) -- IDX, Inc. is pleased to welcome the real estate expertise of Anthony Rueda & Associates of Paragon Real Estate to the growing network of realty professionals dedicated to serving the needs of their clients. Home seekers in Sacramento can now experience a dynamic online real estate search conveniently on the Paragon Real Estate. Metrolist property listings are now fully integrated onto Rueda's search pages, giving potential buyers a comprehensive database to search through. Finding a home in and around Sacramento, California has never been so easy!
U.S. National
Congresswoman Torres Calls for House Leadership to Request Boeing President and Chief Executive Officer...
Congresswoman Norma Torres (CA-35) – A senior member of the House Appropriations Subcommittee on Transportation, Housing
Habitat for Humanity International and AbbVie celebrate successes of five-year partnership in Puerto Rico
Habitat for Humanity International and AbbVie, a research-based global biopharmaceutical company, announced today the
Pending Home Sales Ascended 3.4% in March
Pending home sales in March climbed 3.4%, according to the National Association of REALTORS®. The Northeast, South and West posted monthly gains in transactions while the Midwest recorded a loss. Year-over-year, the Northeast and South
Forcing Polluters to Clean Up Their Mess Means New Hope for Communities
In Waukegan, Illinois, about 40 miles north of Chicago, Dulce Ortiz is celebrating with her children. Ortiz is a cofounder of the local environmental justice organization Clean Power Lake County. She has been organizing for years to get coal ash waste cleaned up from the site of the retired coal power plant in her town.
The Impact of High Speed Rail on Real Estate in China
In recent years, the interplay between high-speed rail (HSR) systems and land markets has emerged as a topic of significant interest. Despite the growing attention, the specific effects and underlying mechanisms of HSR on land prices have not been extensively studied. Our research aims to bridge this gap by analyzing China's land transaction data.
The Do’s and Don’ts of First-Time Homeownership
Buying a home is an exciting but often overwhelming experience, especially for first-timers. It’s a nuanced process that involves navigating through many important decisions, paperwork, and
GFP Real Estate and Its Tenants Raise More Than $200,000 to Support Ukrainian Refugees
GFP Real Estate is pleased to announce that its "Support Ukraine in Crisis" campaign raised more than $200,000 to support humanitarian relief efforts on the ground in Ukraine.
Connecticut Congressional Delegation and Governor Lamont Announce $62.5 Million for Solar Projects Benefitting Low-Income...
Connecticut’s Congressional Delegation and Governor Ned Lamont announced $62.5 million grant under the Environmental
Biden-Harris Administration Invests in Clean Energy and Domestic Biofuels to Strengthen American Farms and...
Projects Funded by President Biden’s Inflation Reduction Act Will Lower Energy Costs and Expand Access to Cleaner Fueling
FEMA commits $384 million to rebuild educational facilities on St. Croix and St. Thomas
A commitment of $384.8 million to demolish and replace three elementary schools on St. Croix, one on St. Thomas and repair a
REP. GALLEGO TOURS HOUSING SHELTER FOR WHICH HE SECURED NEARLY $2 MILLION IN FUNDING
Rep. Ruben Gallego (AZ-03) toured UMOM New Day Center’s Family Shelter Expansion and Remodel Project and
Total Commercial Real Estate Borrowing and Lending Declined 47 Percent in 2023
Total commercial real estate (CRE) mortgage borrowing and lending is estimated to have totaled $429 billion in 2023, a 47 percent decrease from the $816 billion in 2022, and a 52 percent
How to Choose the Right Moving Company for Your Next Relocation
Moving can be one of the most stressful events in a person’s life, but choosing the right company can make the process much smoother. Whether you’re relocating across town or the country, the importance of finding a reliable mover cannot be overstated.
CONSTRUCTION ASSOCIATION RELEASES FIRST-OF-ITS-KIND DECARBONIZATION PLAYBOOK TO HELP FIRMS ASSESS, TRACK & REDUCE GREENHOUSE...
New Associated General Contractors of America Resource, Which
5 Home Renovations That Will Boost Property Value
In the ever-evolving landscape of real estate, homeowners often find themselves pondering ways to increase the value of their properties. Whether you're planning to sell shortly or simply want
Getting Your House Ready to Sell — 6 “To Do’s” That Can’t Wait
You’re about to list your home for sale. Is your home ready for what’s coming? If you haven’t crossed these six items off your to-do list yet, the answer is a resounding “no.” Here’s what you need to do, roughly in order, to make sure your place is in the best possible shape to show to buyers.
Kaptur Leads Letter to President Biden Urging Further Consideration of Proposed Power Plant Emission...
Rural, low-income, and underserved communities’ access to reliable and affordable electricity must be preserved while
Housing Starts Fall on Interest Rate, Financing Concerns
Housing starts fell in March with interest rates somewhat higher than expected last month as the latest inflation readings failed to show improvement. Builders are also still facing higher supply-
RELEASE: On Tax Day, Gottheimer Announces New Action to Cut Taxes and Make Life...
April 15, 2024, U.S. Congressman Josh Gottheimer announced new action to lower taxes and make life more affordable for Jersey families, small businesses, and communities. According to
Existing-Home Sales Descended 4.3% in March
Existing-home sales slipped in March, according to the National Association of REALTORS®. Among the four major U.S. regions, sales slid in the Midwest, South and West, but rose in the Northeast for the first time since November 2023. Year-over-year
U.S. States
President Donald J. Trump Approves Emergency Disaster Declaration for Texas
FEMA announced federal disaster assistance has been made available to the state of Texas to supplement state and local recovery efforts in the areas affected by Hurricane Hanna from July 25, 2020, and continuing
FEMA Fire Management Assistance Granted for the Numbers Fire
The Federal Emergency Management Agency (FEMA) has authorized the use of federal funds to assist the State of Nevada in combating the Numbers Fire burning in Douglas County.
How Much Does It Cost To Start An LLC In Texas?
In the process of setting up your Texas LLC, you'll be faced with quite a few expenses. Some of these are required by legislation, and others are just recommended. We'll cover the costs of setting up an LLC in Texas and also provide you with the informatio
5 Benefits Of Using A Registered Agent In Texas
The services of a registration agent began as part of due process in the US Constitution. A lawsuit includes the legal right to be notified of claims or other legal matters. Here are some brief things that will help explain what a Registered Agent Service In Texas
Avoid TV Tip-Over Incidents During Super Bowl LIV with Safety Tips
The New York State Division of Consumer Protection (DCP) is alerting consumers about the dangers of television (TV) tip-over hazards. Millions of New Yorkers will watch the Super Bowl this Sunday either on TVs at home or at parties with friends. DCP is taking this TV-focused occasion to remind consumers of critical TV safety tips.
Brand-New Single-Tenant Starbucks Drive-Thru Trades in Fresno, Calif. for $1,345 PSF
Hanley Investment Group Real Estate Advisors, a nationally recognized real estate brokerage and advisory firm specializing in retail property sales, announced today that the firm has completed the sale of a brand-new, single-tenant Starbucks
Rosenberg family home for the holidays – and prepared for future hurricanes
A Houston-area mom is sharing her Hurricane Harvey recovery story this holiday season, along with the importance of always being prepared for flood events.
5 Cities in Florida: Which One Makes for the Best Real Estate Investment Opportunity...
Fast-growing Florida has been a favorite of real estate investors for many years. With so much interest having been focused on the state, though, investors need to take care to seek the best available opportunities.
WALTER J. MAHONEY STATE OFFICE BUILDING TO BE SOLD
Office of General Services Commissioner RoAnn Destito today announced that the Senator Walter J. Mahoney State Office Building located at 65 Court Street in Buffalo will be sold at auction in 2020. A work group formed earlier this year made up of City, County, and State officials working with professional real estate consultants CBRE, determined that in the current competitive and robust Buffalo real estate market
Charleston South Carolina expected to outpace national real estate market averages through 2025
The National Association of Realtors® (NAR) recently identified 10 markets expected to outperform over the next three to five years. In alphabetical order, the markets are
WHAT IS THE EVICTION PROCESS IN CALIFORNIA?
Eviction is a dirty word for both tenants and the landlords that believe the time has come to remove one or more parties from an apartment. The process anywhere can lead to a strained relationship at best and a bitter acrimonious fight that ends up in the judicial system.
FEMA Offers Free Rebuilding Tips at Local Home Improvement Stores
Disaster survivors affected by the severe storms and floods from Tropical Storm Imelda, can visit local home improvement stores in Katy, Houston and Spring from Monday, Dec. 9, to Saturday
Florida Tops ABC’s Annual Merit Shop Scorecard State Ranking for Second Year in a...
Associated Builders and Contractors released its 2019 Merit Shop Scorecard today, an annual ranking based on state policies and programs that encourage workforce development, career and technical education
Top 4 Places to Buy a Second Home in the US
There are about 7.4 million homes owned as a second home in the United States. For many people, their second home is a vacation home. This gives them a chance to get away and break routine while also having all of the comforts of being in their own home.
Ribbon Cutting Celebrating New Affordable Apartments in the Bronx for Low-Income Families and Domestic...
New Destiny was joined by supporters and colleagues to celebrate the opening of its newly constructed service-enriched affordable housing project - The Jennings - located in the Crotona Park East
HUD AWARDS $1.5 MILLION TO PUBLIC HOUSING AUTHORITIES TO ASSIST YOUNG PEOPLE AGING OUT...
U.S. Housing and Urban Development (HUD) Secretary Ben Carson today awarded $1.5 million to nearly a dozen housing authorities to assist young people aging out
BLM NAMES VETERAN LAND MANAGER TO LEAD CALIFORNIA STATE OFFICE
The Bureau of Land Management today announced that Karen Mouritsen has been named the new California State Director—a key leadership position based in Sacramento. As State Director, Mouritsen will direct a team that manages lands encompassing 15% of the Golden State’s total land mass
California Real Estate Developer Convicted of Making Conduit Contributions in Two U.S. Congressional Campaigns
Today, a federal jury found an Oakland-area real estate developer guilty for funneling tens of thousands of dollars through straw donors into two consecutive congressional campaigns
NYS OASAS ANNOUNCES OPENING OF NEW RECOVERY CENTER IN NEW YORK CITY
The New York State Office of Alcoholism and Substance Abuse Services (OASAS) today announced the opening of the new JLC Recovery and Wellness Center in New York City. JLC is operated by Exponents Inc. and provides free help and support services for people affected by addiction and for their families.
Robust U.S economy not a boost for black homeownership
In spite of a robust U.S. economy, a strong employment rate, and steadily increasing 401(k) plan earnings, Black homeownership rates continue to drop. Drawing from the 2019 release of the National Association of Real Estate Brokers
Popular
SIXTY PERCENT OF FIRMS WORKING ON HIGHWAY UPGRADES EXPERIENCED CARS CRASHING INTO THEIR WORK...
Annual Survey by HCSS and Associated General Contractors of America Finds Drivers and Passengers are at Greater Risk of Injury and Death in Work Zone Crashes As Officials Urge Drivers
New Home Sales Decline in May
Sales of newly built, single-family homes fell 7.8 percent to a seasonally adjusted annual rate of 626,000 units in May, according to newly released data by the U.S. Department of Housing and Urban Development and the U.S. Census Bureau.
$17+ Million in Grants Will Help States, Local Communities Keep Waters Clean, Economies Thriving
Water-loving outdoor recreationists and local communities in 27 states will have additional resources to help boaters keep America’s waters clean, thanks to more than $17 million in Clean Vessel Act program grants from the U.S. Fish and Wildlife Service.
Port Aransas ready for return of summer tourism
Texas SandFest drew a record 35,000 people April 26-28, encouraging business owners that Port Aransas is on its way to recovery. With nearly all the city’s retailers and restaurants re-opened, residents are beginning to feel like things are getting back to normal.
OJO Labs: Five Months, Eight Major Awards
OJO Labs, a leading-edge technology company on a mission to empower consumer decision-making through its conversational AI assistant, OJO, won the highly coveted 2019 A-List Award among mid-sized companies from the Austin Chamber of Commerce in partnership with SXSW
Should I Rent Out my Property on Airbnb?
Listing property on Airbnb has become a popular way to make extra money, meet new people, and provide some freedom, but there are a few key things to think about when you are considering listing your property. It is key to know what you’re getting yourself into.
The Rockefeller Foundation Launches $5.5 Million Opportunity Zone Community Capacity Building Initiative for Select...
The Rockefeller Foundation today announced an initiative to help U.S. cities attract responsible private investment in economically-distressed communities through Opportunity Zones created in the 2017 Tax Cuts and Jobs Act. This effort will help ensure new investment delivers sustainable benefits for more than 30 million low-income Americans living in Opportunity Zones
Eden Housing and City of Fremont Celebrate Grand Opening of KTGY-Designed Affordable Senior Housing...
Pauline Weaver Senior Apartments is located in the Warms Springs area of Alameda County and features 90 apartment homes for very low and extremely low-income seniors, near I-880 freeway, BART, shopping, services and other amenities.
VA’s Home Loan Guaranty program notifies Veterans of potential loan fee waivers
The U.S. Department of Veterans Affairs (VA) announced May 13 that Veterans who qualify for a VA Home Loan funding fee waiver are now being notified in their home loan eligibility certificate and disability compensation award letter.
A Stellar Idea: My Florida Regional MLS Reimagines the Multiple Listing Service
The nation's third-largest Multiple Listing Service, My Florida Regional MLS, will become Stellar MLS on June 4, 2019, in a move that totally reimagines the MLS. Currently serving 58,000 customers
NATIONAL ASSOCIATION OF HOME BUILDERS TO CO-HOST HUD INNOVATIVE HOUSING SHOWCASE
U.S. Department of Housing and Urban Development (HUD) Secretary Ben Carson today announced the National Association of Home Builders (NAHB) will co-host the Department's inaugural "Innovative Housing Showcase." The Innovative Housing Showcase will be held on the National Mall June 1-5, 2019
Department of the Interior: Yakima Water Plan Is a “Model” and “Holistic”
Yesterday, U.S. Senator Maria Cantwell (D-Wash.), ranking member of the Senate Energy and Natural Resources Committee, asked the Department of the Interior about its commitment to the Yakima River Basin during a hearing on the president’s FY 2017 budget request. Deputy Secretary of the Interior Michael Connor agreed with Sen. Cantwell that the Yakima River Basin plan “is a model for the rest of the nation in water management.”
Energy Costs to Cook Thanksgiving Meal Up to 25% Lower in 2015
“Consumers Energy is thankful to be a part of holiday celebrations across the state as warm Thanksgiving memories are being made, and we are committed to providing many more generations of Michigan families with reliable, affordable energy in all seasons,” said Garrick Rochow, Consumers Energy’s vice president and chief customer officer
Agencies Issue Final Rule to Exempt Subset of Higher-Priced Mortgage Loans from Appraisal Requirements
WASHINGTON, D.C. - December 13, 2013 - (RealEstateRama) -- Six federal financial regulatory agencies today issued a final rule that creates exemptions from certain appraisal requirements for a subset of higher-priced mortgage loans. The exemptions are intended to save borrowers time and money while still ensuring that the loans are financially sound
Department Enters into Consent Order with Equity Loans, LLC and its owners Eduardo Gutierrez...
Atlanta, Georgia - November 13, 2013 - (RealEstateRama) -- the Georgia Department of Banking and Finance (“Department”) entered into a Consent Order with Equity Loans, LLC, License Number 23300, located at 1150 Hammond Dr., Building E, Suite 650, Atlanta, Georgia 30328, to resolve allegations pertaining to violations of the Georgia Residential Mortgage Act