Word: good-faith
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...banks in 1996 and found that 1,528 had violated some portion of the Real Estate Settlement Procedures Act, which requires lenders to fully disclose their fees. respa is under constant review: in the works now are proposals to require lender fees to be within 10% of an initial good-faith estimate, and to provide borrowers with a copy of their "HUD-1" final-cost document sooner than one day before closing, as is currently required. In fact, the HUD-1 often isn't delivered until signing day. Here's what...
...INSIST ON A TIMELY HUD-1. Most lenders will give it to you early if they can. Compare the final closing costs with those in your good-faith estimate, which you should have got when you applied for the loan. Ask for an explanation if the two differ greatly...
...have received and which ones they still lack. Don't be afraid to call your pediatrician's office every so often to see if deliveries have arrived. Meanwhile, school districts that require immunizations have been informed of the problem and should give waivers to students who have made a good-faith effort to get their shots...
...also refused to make benefits more affordable. Until he does, service workers, whose jobs put them at considerably greater physical risk than those of professors, will continue to have less access to health care and sick days. Most importantly, Harvard’s plan does not include a good-faith bargaining clause to ensure wages do not fall below a certain level regardless of the outcome of negotiations. If Summers agrees that workers should be paid more, why won’t he establish a mechanism to ensure they continue to be paid at the new level he is touting...
Harvard has made a good-faith effort to talk to Cantabrigians about their concerns, and it should continue to include residents in the consultative process about development. But to hold up their side of the bargain, Cambridge residents must be open-minded to Harvard’s ideas. They cannot dismiss development proposals out of hand because Harvard has made errors in the past. Suggestions to give away the land to Cambridge for affordable housing or recommendations to move the museum to Allston do not contribute anything to the collaborative process. Harvard owns the property, and the residents should...