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Real Estate Mortgage Network, Inc., Launches Menlo Park Funding Branch Division
Edison, NJ - May 17, 2011 - (RealEstateRama) -- Real Estate Mortgage Network, Inc. (REMN), a national mortgage lender based in River Edge, N.J., is pleased to announce the launch of Menlo Park Funding, a new branch opportunity for select independent brokers and bankers. Menlo Park Funding will be the fourth business channel in REMN’s existing wholesale, retail and consumer direct divisions.
First Half Real Estate Tax Deadline is Monday, June 6, 2011
May 16, 2011 - (RealEstateRama) -- Loudoun County Treasurer H. Roger Zurn Jr. reminds taxpayers that the deadline for payment of the first half real property tax is Monday, June 6, 2011. Payments postmarked after June 6, 2011, will incur a 10% late payment penalty. The penalty date will not be extended for bills where assessment questions have been filed with the Board of Equalization. Additional interest at the rate of 10% per annum will be assessed
Durham Seeks Grant Applicants for Signage and Building Improvements
DURHAM, N.C. - May 16, 2011 - (RealEstateRama) -- Business owners interested in making signage or building improvements in targeted areas inside the city limits should take note of three grant opportunities now available through the City of Durham.
IHFA Still Accepting Applications for the Emergency Homeowners’ Loan Program
BOISE, ID - May 16, 2011 - (RealEstateRama) --There is still hope for hundreds of homeowners who are struggling to avoid foreclosure. Idaho Housing and Finance Association is still accepting applications for the Emergency Homeowners’ Loan Program (EHLP). The U.S. Department of Housing and Urban Development (HUD) announced the $13 million home saving program on April 1st. Since the announcement, IHFA has sent out more than 700 applications, and only 287 have been returned for review
“Downscaling Ambitions and Finding Creative Solutions”: Infrastructure 2011: A Strategic Priority Warns of Strain...
WASHINGTON, DC - May 16, 2011 - (RealEstateRama) -- America’s infrastructure investments – levels of which have long trailed behind those of Asia and Europe – will be further stifled this year by pressures to cut federal spending and reduce the deficit, compelling cities to be evermore creative and resourceful in securing partnerships to start or continue infrastructure projects, according to Infrastructure 2011: A Strategic Priority.
Register Today for MBA’s 1st Quarter 2011 National Delinquency Survey (NDS) Conference Call
WASHINGTON, D.C. - May 16, 2011 - (RealEstateRama) -- WHAT: Mortgage Bankers Association (MBA) 1st Quarter 2011 National Delinquency Survey (NDS) Media Conference Call.Conducted quarterly since 1972, MBA's National Delinquency Survey covers more than 40 million loans on one-to-four-unit residential properties, representing more than 80 percent of all first-lien residential mortgage loans outstanding in the United States.
MBA’s Berman Reacts to Campbell/Peters GSE Bill
WASHINGTON, D.C. - May 16, 2011 - (RealEstateRama) -- Michael D. Berman, CMB, Chairman of the Mortgage Bankers Association, issued the following statement in reaction to the introduction of bipartisan legislation by Representatives John Campbell (R-CA) and Gary Peters (D-MI) that would reform the secondary mortgage market.
House FY12 Funding Plan Would Dismantle Housing Safety Net
WASHINGTON, D.C. - May 16, 2011 - (RealEstateRama) -- On Wednesday the House Committee on Appropriations released its draft 302b allocations, the amounts each of the 12 appropriations subcommittees will have available to spend on their respective FY12 funding bills. The allocation for the subcommittee that funds HUD, the Transportation, Housing and Urban Development, and Related Agencies (T-HUD) subcommittee, is budgeted $7.7 billion below the FY11 final appropriation, a 14% cut.
Historic Landmark Gets New Lease on Life; Offers Affordable, Energy Efficient Housing to Kansas...
Kansas City, KS - May 16, 2011 - (RealEstateRama) -- Officials from Kansas Housing Resources Corporation (KHRC), the Unified Government of Wyandotte County/Kansas City, Kansas and the Kansas Preservation Alliance celebrated the grand opening of Lowell School Apartments, a new affordable housing development serving the elderly and adults with disabilities. The historic rehab converted a vacant elementary school into 26 energy-efficient, loft-style apartments. Rents for the one, two and three bedroom units range from $450 to $650
One-Day ‘Seller’s Extravaganza’ at Lockwood Terrace Slated for May 21
NORWALK, CT - May 16, 2011 - (RealEstateRama) -- A Seller’s Extravaganza of the eight remaining condominium units at Lockwood Terrace in Norwalk will be held Saturday, May 21st from 11 a.m. to 2 p.m. at the site at 130 Main Street, William Raveis Real Estates’ New Homes Division announced.
Total Mortgage Services Names Victoria Bextel to Lead National Operations
MILFORD, CT - May 16, 2011 - (RealEstateRama) -- Total Mortgage Services, LLC, a leading mortgage lender, announced today the hiring of Victoria Bextel as the Company’s head of national operations for both its retail and wholesale channels. Ms. Bextel brings to this newly-created senior management position over 22 years of operations, underwriting and management experience within the mortgage industry. In her role as Executive Vice President of Operations, Ms. Bextel will be responsible for managing all operations for Total Mortgage’s retail and wholesale channels, from the time the loan application is received until the time the loan is sold to investors. Ms. Bextel will be based in Milford, Connecticut and report directly to John Walsh, President of Total Mortgage.
Two Bozzuto Developments Achieve LEED® Certification
Greenbelt, MD - May 16, 2011 - (RealEstateRama) -- The Bozzuto Group today announced that it has earned LEED certification from the U.S. Green Building Council (USGBC) for two residential developments in its portfolio. The Fitzgerald, a mixed-use community in Baltimore’s Mount Vernon district, has received LEED Silver Certification and Riverwalk at Millennium, an apartment community in suburban Philadelphia, has received LEED Certification.
SBA Regional Administrator Visits Disaster Survivors And Advises That Loans Also Are For Homeowners...
BIRMINGHAM, AL - May 16, 2011 - (RealEstateRama) -- For many Alabamians recovering from the recent tornadoes, completing a disaster loan application may be overwhelming, but it is an essential step in recovery.
ABA SUBSIDIARY COMMUNITY BANK MORTGAGE LLC ANNOUNCES RENEWAL WITH SUNTRUST MORTGAGE
WASHINGTON, DC - May 16, 2011 - (RealEstateRama) -- Community Bank Mortgage LLC, a subsidiary of the American Bankers Association, has renewed its agreement with SunTrust Mortgage Inc. as one of four preferred secondary market investors. With this partnership, Community Bank Mortgage LLC owner banks can sell loans on a servicing-released basis to SunTrust Mortgage and access their full line of products, including jumbo loans
South Carolina REALTORS® release April market numbers
COLUMBIA, S.C. - May 16, 2011 - (RealEstateRama) -- South Carolina REALTORS® (SCR) today released its April 2011 Market Reports. The final month of year-over-year comparison to last year's tax incentive market is upon us. It bears repeating that April 2010 enjoyed uniquely strong activity due to the approaching credit deadline. New Listings in the state of South Carolina decreased 23.3 percent to 9/154. Pending Sales were down 37.9 percent to 4,008. Inventory levels shrank 7.0 percent to 57,680 units - a positive trend that should preserve market balance.
The Citi Foundation and NeighborWorks America Announce $5 Million Collaboration, the Largest Initiative of...
New York, NY - May 16, 2011 - (RealEstateRama) -- The Citi Foundation and NeighborWorks America today announced the launch of a collaboration to expand and strengthen financial capability programs for thousands of low- and moderate-income Americans. These programs help consumers establish positive behaviors to achieve immediate and long-term financial goals through financial education and access to appropriate financial products. As many as 65,000 people may benefit from the new $5 million, two-year demonstration project.
NeighborWorks America Named a Top Home Builder by Builder Magazine NeighborWorks Ranked #46 in...
Washington, D.C. - May 16, 2011 - (RealEstateRama) -- Today NeighborWorks America announced that it was named one of the nation’s largest residential home builders, according to Builder Magazine’s 2010 Builder 100 list. NeighborWorks America was ranked No. 46 in its second year on the Builder 100, with 503 closings of for-sale housing completed by its network of local NeighborWorks organizations. In addition to the overall ranking for productivity in 2010, NeighborWorks America was also named the No. 5 builder of affordable housing. NeighborWorks America debuted on the Builder 100 for 2009 at No. 82 for for-sale closings.
Minority Homeownership Award Winners Help Others Realize, Sustain American Dream
WASHINGTON, DC - May 16, 2011 - (RealEstateRama) -- While the past few years have been challenging for many, owning a home continues to be a goal for Americans of every background, according to John D. Trasviña, Assistant Secretary for Fair Housing and Equal Opportunity at the U.S. Department of Housing and Urban Development.
CT REIA June 2011 Business Entrepreneur Workshop
West Hartford, CT - May 16, 2011 - (RealEstateRama)
CT REIA Business Entrepreneur Workshop
June 13, 2011 - 6:30 to 9:00 PM
Sheraton Four Points. 275 Research Parkway. Meriden, CT
Admission for the general public is $49. Special price for CT REIA - Only $24
Builder Confidence Unchanged in May
WASHINGTON, D.C. - May 16, 2011 - (RealEstateRama) -- Builder confidence in the market for newly built, single-family homes held unchanged at the low level of 16 in May, according to the National Association of Home Builders/Wells Fargo Housing Market Index (HMI), released today. The index has now remained at this level for six out of the past seven months.“Builder confidence has hardly budged over the past six months as persistent concerns regarding competition from distressed property sales, lack of production credit, inaccurate appraisals, and proposals to reduce government support of housing have continued to cloud the outlook,” said NAHB Chairman Bob Nielsen, a home builder from Reno, Nev.
U.S. National
RatePlug Launches Afordal: First Integration of Home Search, Mortgage Rates, Pre-approval and Special Financing...
RatePlug Launches Afordal: First Integration of Home Search, Mortgage Rates, Pre-approval and Special Financing Options
Edison Grand Apartments Shares Ways to Decorate a Luxury Apartment Rental on a Budget
Edison Grand Apartments suggests that moving into a luxury apartment rental often feels like a dream come true. High-end
Rep. Chu Urges FEMA to Conduct Soil Testing and Remediation in LA Fire Burn...
Congresswoman Judy Chu (CA-28) led 27 California Delegation Members in a letter sent to the Federal Emergency Management Agency (FEMA) urging the agency to conduct comprehensive soil testing and establish a remediation program for properties impacted by the devastating Eaton and Palisades Fires in Los Angeles County.
HUD’s Innovative Housing Showcase “The American Home is the American Dream” Returns to the...
Secretary Scott Turner announced the return of the U.S. Department of Housing and Urban Development (HUD)’s Innovative
Investing in warmer social homes could save NHS £85 million a year, says CIH
New analysis from CIH shows that reaching EPC Band C in social housing would save the NHS over £85 million per year from 2030. CIH is calling on the government to invest a minimum of £5 billion in retrofitting social housing at the forthcoming Spending Review to help realise these savings
Commercial and Multifamily Mortgage Delinquency Rates Increased in First-Quarter 2025
Commercial mortgage delinquencies increased in the first quarter of 2025, according to the Mortgage Bankers Association’s (MBA)
Pending Home Sales Declined 6.3% in April
Pending home sales decreased 6.3% in April, according to the National Association of REALTORS®. All four U.S. regions experienced month-over-month losses in transactions. Year-over-year, contract signings rose in the Midwest but descended in the
CONSTRUCTION SPENDING DECREASES BY 0.4 PERCENT FROM MARCH TO APRIL AND 0.5 PERCENT OVER...
Private Nonresidential Investment and Homebuilding Decline as Uncertainty over Tariffs and Trade Friction Keeps Contractors and
THE MILLIONAIRE’S BLUEPRINT: HOW THE TOP 5% CREATE WEALTH WHILE EVERYONE ELSE WORKS FOR...
The strategic process of buying 2nd property in Singapore represents the critical inflection point where ordinary income-earners separate themselves from true wealth builders who understand the power of leverage and asset acquisition. I'm going to be BRUTALLY HONEST with you—while most people are obsessing over saving a few percentage points on their mortgage interest rate
Congressman Cleaver Awarded 2025 Shirley Chisholm Award for Housing by National Urban League
U.S. Representative Emanuel Cleaver has been awarded the 2025 Shirley Chisholm Award for Housing by the National Urban
NHC President & CEO David Dworkin strongly supports housing provisions in the House Ways...
David M. Dworkin, President and CEO of the National Housing Conference (NHC), released the following statement in response
EPA to Provide Nearly $1 Million to Mid-Atlantic States to Protect Beachgoers from Bacteria
The U.S. Environmental Protection Agency will provide to the states of Delaware, Maryland, Pennsylvania, and Virginia a total of $962,000 in grant funding to monitor water quality at coastal and
Rep. Judy Chu Hosts Wildfire Housing Roundtable and Press Conference
Rep. Judy Chu (CA-28) hosted a wildfire recovery housing roundtable and press conference to address the housing needs of survivors displaced by January’s devastating Eaton Fire. The roundtable brought together local nonprofits, housing advocates, and government officials from every level to discuss obstacles her constituents are facing in finding stable, affordable housing in their own communities.
NYCHA Releases New Solicitation to Install 2.9 Megawatts of Community Solar on 73 Buildings...
The New York City Housing Authority (NYCHA) announced the release of a new solicitation under the Accelerating Community Empowered Shared Solar (ACCESSolar) program, which develops community solar projects on NYCHA properties.
Income Growth Helps Mute Existing Affordability Constraints
Despite solid income gains and lower home prices, Americans still continue to face major housing affordability challenges, according to the latest data from the National Association of Home Builders
LaHood Votes to Deliver on Republicans’ Promises to the American People
Congressman Darin LaHood (IL-16) voted in support of H.R. 1, the One Big Beautiful Bill Act, that will deliver on the promises House Republicans made to the American people.
Energy Department Removes Barriers for American Energy Producers, Unleashing Investment in Domestic Hydrogen
The U.S. Department of Energy’s (DOE) Hydrogen and Fuel Cell Technologies Office today removed barriers for the American
HUD and Census Bureau Report New Residential Sales in April 2025
The U.S. Census Bureau and the U.S. Department of Housing and Urban Development jointly announced the following new residential sales statistics for April 2025:
Ocusell Partners with Restb.ai to Enhance FMLS Listings with Built-In AI
Ocusell, a leading proptech innovator, today announced a strategic partnership with Restb.ai, the real estate industry’s leader in AI-powered computer vision technology. This
U.S. House Prices Rise 4.0 Percent over the Prior Year; Up 0.7 Percent from...
U.S. house prices rose 4.0 percent between the first quarter of 2024 and the first quarter of 2025, according to the U.S. Federal Housing (FHFA) House Price Index (FHFA HPI®). House prices for
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
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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