Arizona Mortgage Responsible Individual - Arizona Responsible Individual
- Arizona mortgage responsible individual Carolyn Goldman is an attorney in Arizona that represents mortgage companies, banks and other businesses in regulatory compliance, licensing and litigation. One of the services she has provided for the past twenty years is acting as an Arizona Responsible Individual.
What sets Carolyn Goldman's practice apart from her competitors is that she actual gives legal advice in association with the function of advizing mortgage brokers in connection with the role of being an Arizona mortgage responsible individual.
In order for a mortgage business to obtain a license in Arizona, it must first retain an Arizona Responsible Individual. The mortgage business must continue to employ a Responsible Individual during the time it maintains the mortgage license. The Responsible Individual acts as the mortage company’s representative with the Arizona Department of Financial Institutions (“AZDFI”), the Arizona mortgage regulator. The Responsible Individual must be a person and not an entity. The person must be a bona fide Arizona resident and have certain experience in the mortgage industry and an acceptable background and credit history.
The AZDFI is charged with enforcing the statutes and regulations which govern the Responsible Individual function. If these laws and rules are not followed, the AZDFI can issue civil money penalties and/or a cease and desist order. Therefore, the person the mortgage company retains as its Responsible Individual is very important.
Keep in mind, the Responsible Individual must be knowledgeable not just about the applicable Arizona laws and rules but also the federal Truth in Lending statutes and Regulation Z, and the Real Estate Settlement Procedures Act (RESPA) and Regulation X which of course includes the TRID/Know Before You Owe Rule. The Responsible Individual must also be privy to the company's sensitive financial data such as payroll records, bank account records, financial statements, tax returns, the general ledger, personnel files and loan files. Therefore, the person selected must be knowledgeable, competent and trustworthy regarding these matters.
Carolyn Goldman was appointed by the Superintendent of the AZDFI to the mortgage broker license testing committee and, along with the CSBS (Conference of State Bank Supervisors) to the loan originator license testing committee and her law firm
was appointed to the AARMR Advisory Council (American Association of Residential Mortgage Regulators)
Some of Carolyn Goldman's credentials and past accomplishments include: 1.) Chair of the Real Property Section of the State Bar of Arizona (2016 and 2017) and currently serves on the Executive Committee, 2.) Mortgage Bankers Association, Member of the Legal Issues and Regulatory Compliance Committee and State Legistative Committee, 3.) Consumer Financial Services Committee of the Business Law Section of the American Bar Association, Member, 4.) Scottsdale Bar Association, Past President and Member of the Board of Directors and 5.) Arizona Mortgage Lenders Association, Member.
Carolyn's further credentials as a presenter and in education include:
The Dodd-Frank Act and the Regulation of Residential Mortgage Financing
May, 2015 – Real Property Section of the State Bar of Arizona
The Dodd-Frank Act and the Creation of the CFPB: Heightened Enforcement of New and Existing Laws Affecting the Real Estate Industry
June, 2015 – State Bar of Arizona – State Bar Convention
The U.S. Supreme Court Decision in Texas Dept. of Housing v. The Inclusive Communities Project, Claims for “Disparate Impact” and the Fair Housing Act — How this Decision Impacts your Developer, Homebuilder, Lender, Title Company, Landlord and Municipality Clients
October, 2015 – Chairperson – Advanced Continuing Legal Education – Real Property Section of the State Bar of Arizona
The TRID Rule
May, 2016 – Real Property Section of the State Bar of Arizona
The Arizona Anti-Deficiency Laws
November, 2017 – Chairperson and Presenter – State Bar of Arizona
RESPA and Recent CFPB Enforcement Actions — PHH Corporation, Prospect Mortgage, LLC and Zillow
November, 2017 – State Bar of Arizona
November, 2017 – Phoenix Compliance Group
In case your mortgage company has been considering entering the Arizona market, Carolyn Goldman would like to provide you with video tour of some beautiful residential areas where she has her law firm and Responsible Individual offices in Scottsdale, Arizona and Fountain Hills, Arizona. You will see the new construction which is occurring in both spec and custom homes and in subdivisions. Scottsdale and Fountain Hills are located in Maricopa County. According to recent reports from the United States Census Bureau, Maricopa County, Arizona has had the greatest increase in population in the entire country during 2016 through 2017. If you are interested in becoming license
3300 Tower, Phoenix Arizona
This video was uploaded from an Android phone.
Arizona Immigration Lawyer | The Gambacorta Law Office LLC | 602-759-7480
Arizona Immigration Lawyer, Phoenix Immigration Attorney, Immigration Lawyers in Arizona Free Consultation, Best Immigration Lawyers In Phoenix AZ, Arizona State Immigration Law
At the Gambacorta Law Office, we provide sophisticated legal knowledge and an unprecedented attention to detail to each of our immigration cases. We zealously represent those from foreign countries who want to enter the United States or who are fighting to stay. Whether you have a visa issue or you’re combating nationality laws, we can help.
Tim is extremely helpful and sensitive to the needs of the Client. Green Card immigration is a maze of paperwork and requires great attention to detail. My wife and I have found in Tim a friend who can be relied upon to deliver.
Discuss your immigration and nationality concerns today with a skilled attorney at the Gambacorta Law Office. We offer no obligation consultations. Schedule your appointment today by dialing 602-759-7480.
The Gambacorta Law Office LLC
1 East Washington St. Suite 500
La Hacienda Assisted Living, Scottsdale az
Caliber Co - Hilton Phoenix Airport
Caliber Hospitality, the “Sponsor”, is acquiring the 259-guestroom Hilton Phoenix Airport Hotel, located adjacent to Phoenix Sky Harbor International Airport and is seeking approximately $14,700,000 in equity investment to participate with them in the project. The property is currently slated to close on November 1st, 2016.
Visit for more info.
Like us on:
Follow us on:
Looks us up on:
Copyright © 2017 Caliber Companies LLC
THIS IS NEITHER AN OFFER TO SELL NOR A SOLICITATION OF AN OFFER TO BUY SECURITIES. THIS COMMUNICATION IS PROVIDED SOLELY FOR INFORMATION PURPOSES AND DOES NOT CONSTITUTE LEGAL OR INVESTMENT ADVICE. WHILE WE ENDEAVOR TO KEEP THE INFORMATION UP TO DATE AND CORRECT, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, ABOUT THE COMPLETENESS, ACCURACY OR RELIABILITY OF THE DATA AND SUMMARIES CONTAINED IN THIS COMMUNICATION OR THE SUITABILITY OF ANY SEPARATE OFFERING FOR INVESTORS.THERE ARE RISKS ASSOCIATED WITH ANY INVESTMENT. IN MAKING AN INVESTMENT DECISION, INVESTORS MUST RELY ON THEIR OWN EXAMINATION OF THE COMPANY THEY WISH TO INVEST IN INCLUDING THE MERITS AND RISK INVOLVED. ANY FORWARD-LOOKING STATEMENT SPEAKS ONLY AS OF THE DATE ON WHICH SUCH STATEMENT IS MADE, AND WE UNDERTAKE NO OBLIGATION TO UPDATE ANY FORWARD LOOKING STATEMENT TO REFLECT EVENTS OR CIRCUMSTANCES AFTER THE DATE WHICH SUCH STATEMENT IS MADE. ANY OFFERINGS MADE BY US ARE TO ACCREDITED INVESTORS WHO ARE PERSONALLY KNOWN TO US OR TO OUR PLACEMENT AGENT PRIOR TO DISTRIBUTING ANY OFFERING MATERIALS. WE DO NOT SEND OUT OFFERING MATERIALS IN RESPONSE TO UNSOLICITED INQUIRIES.
Cactus Jack's Auto - ARIZONA used cars Phoenix AZ - No Credit Check Auto Loans Available
Used car dealerships located in Phoenix, Mesa, Apache Junction, Surprise and Glendale. We are Arizona's largest Buy Here Pay Here chain. Cactus Jack's Auto Sales assists drivers with our no credit check vehicle financing program.
If you have low or no credit score don't worry, Cactus Jack's has over 18 years of experience in helping people with their automotive purchasing needs. Regardless of your credit history we can help you start driving today. Finding a used car in Arizona has never been easier, and you can get started right now by viewing our inventory online at
For more information visit
Why Cactus Jack's? 01:04
What you'll need to start: 01:32
Voter Registration, the Arizona Diamondbacks, and Phoenix Mayor Stanton
Arizona Diamondbacks: The Arizona Diamondbacks regular season gets underway soon. Diamondbacks President Derrick Hall will give us a preview of the season.
Arizona Voter Registration Case: The United States Supreme Court is hearing oral arguments on an Arizona law Monday that requires proof of citizenship in order to register to vote. Arizona State University Law Professor Paul Bender will give us analysis of the court's arguments.
Phoenix Mayor Stanton: Phoenix Mayor Greg Stanton makes his monthly appearance on Arizona Horizon to discuss Phoenix issues.
best local phoenix movers near me
- (623) 239-6977.
What single attribute must a business exhibit to be considered the best? Is it value, meaning you're going to save money or receive the highest quality service for your money.
Is it respectability, meaning they value your time and won't waste it by not keeping their appointment with you, or they will call you ahead of time and notify you of any potential
scheduling conflicts? Your ideal mover handles and cares for your belongings as if they were their own. Getting your items safely to your new residence is worth paying for in my opinion.
Would you rather save money but end up with broken or lost personal items that will only end up costing you more time or money when everything is said and done?
Today I would like to nominate a mover I believe to be the best local Phoenix mover.
Their web address is: phoenix-az-movers.com and their phone number is: 623-239-6977.
The moving services they offer also extend outside of Arizona which I another way to say they
perform local and long distance moves.
10546 W. Diana Ave
Peoria, AZ 85345
best Phoenix movers
local Phoenix movers
best movers near me
movers near me
Phoenix moving company
DUI Law Firms Mesa AZ
Call Now 855-408-0663 toll free or locally at 623-404-4120
Unfortunately all it takes is one mistake to find yourself facing a DUI (Driving Under the Influence) or DWI (Driving While Intoxicated) on your record.
Penalties for a drunk driving or DWI conviction can range from expensive fines and the loss of your driver’s license to the seizure of your car and possibly even jail time. The penalties can be even more severe if you have prior DUI convictions anywhere in the United States or if the incident resulted in grievous bodily injury to a third party.
While the situation you are facing is serious, you are not helpless.
We have the experience, knowledge, and determination to fight for you and protect your rights.
We are very much aware of what it takes to get justice for you. Our focus is not the case or the file, our focus is YOU. A DUI conviction has many far-reaching penalties which can affect each person differently. We care about your future and will go to every length possible to defend your rights.
Call 855-408-0663 now to find how we can make a difference for you.
Reach skilled, responsive Phoenix area family law attorneys with strengths in goals and who are fully committed to securing the best possible solutions for them. earned outstanding reputations throughout the Arizona legal community,
The criminal defense attorneys at CIMA Law Group are very well respected and Moreover, you need an attorney that will aggressively fight your DUI charge.
Experienced Avondale criminal defense attorneys dedicated to protecting We will aggressively fight on your behalf to reach a favorable outcome in your case.
A skilled DUI Lawyer from Witson Law provides strong drunk driving defense to year, as it appears that drunk driving arrests have become a top priority of police defense to all clients who have been charged with a DUI throughout Arizona.
Arizona Attorneys for Criminal Justice Profile View | The National Trial Lawyers Avvo :: Kristopher K. Rezagholi Law Offices of Kristopher K. Rezagholi PLLC
Phoenix attorneys at Suzuki Law Offices, L.L.C. offer criminal defense, DUI and the state of Arizona, our attorneys understand that each case is different.
Lists & reviews of lawyers in Peoria, Illinois for DUI, traffic tickets, criminal law, & personal injury. Find addresses, phone numbers, & contact information.
With over 28 years of high end defense experience, Craig Orent executes a ; Arizona's Top Rated Lawyers, edition; Clients Choice Award- Criminal
Located in Phoenix, the criminal defense and family law attorneys at the Baker Law Firm defends clients in Phoenix and throughout Arizona against criminal
DUI Law Firms Mesa AZ
mesa dui attorney
criminal defense attorney mesa az
the hogle law firm
the hogle firm
Largest Wastewater Treatment Biogas-to-Renewable Natural Gas Facility Opens in Phoenix | News Feed
Phoenix Celebrates the Opening of the Largest Wastewater Treatment Biogas-to-Renewable Natural Gas Facility in the U.S.
Celebration event for the commercial operations of the multi-million-dollar wastewater treatment plant biogas-to-renewable natural gas (RNG)project at the 91st Ave Wastewater Treatment Plant. The raw biogas is a result of the natural breakdown of organic matter in the wastewater treatment process. Prior to this operation, the majority of this gas was burned off using flares. Through this new effort, 600,000 MMBtu of gas will be treated annually and transferred to a nearby natural gas pipeline, where it will be sold on the open market as green energy. This amount of MMBtu is equivalent to removing more than 70,000 vehicles off our roads annually. This facility is the largest wastewater treatment plant biogas-to-renewable natural gas facility of its kind in the United States.
The project is expected to produce annual revenue via royalty payments, to be shared among the cities that jointly own the 91st Avenue Wastewater Treatment Plant. The 91st Avenue Wastewater Treatment Plant is the largest wastewater treatment plant in Arizona and the Southwest. It is jointly owned by the cities of Glendale, Mesa, Phoenix, Scottsdale, and Tempe.
Connect with the City of Phoenix:
– Official City of Phoenix Homepage
- Like us on #Facebook
- Follow us on #Twitter
- Please Subscribe to this YouTube Channel
- Watch live or on demand programs
- Twitter Feed of #PHXTV Programs
Moving company phoenix arizona
Movers in Phoenix arizona
The Phoenix Movers Commercial.
Written and Directed by Kell Ramos.
When it's time to move. And you need the best.
Let Phoenix Movers. Do the rest...
Can a Non-Citizen Start a Business in Arizona?
Arizona business attorney Ruth Carter addresses the issues that may arise when a non-citizen wants to start a business in Arizona. A non-citizen can own a business but needs the proper permit to work in it and needs proper identification to open the business bank account.
You can learn more about how to keep your corporate veil intact in blog form here:
And in video form here:
You can see all the ways to contact and connect with Ruth on the Carter Law Firm website:
Disclaimer: This video does not constitute legal advice. Watching this video does not create an attorney-client relationship with any viewer. If you need personalized legal advice, hire an attorney.
24Hr HomeCare's Arizona Office Grand Opening
24Hr HomeCare's Scottsdale, Arizona Office has opened its doors! We celebrated its Grand Opening with a Ribbon Cutting Ceremony.
Steve Rider - A Top Real Estate Broker Associate in Scottsdale - Phoenix Arizona
Steve started selling homes in the late 1970’s, and he is licensed in the states of Arizona and California. In 2012, he launched his highly successful Builder Trade In Program nationally, with over 50 awarded territories. He has been working closely with local builders in Arizona for over 40 years, and he heads up The Rider Elite Team based in Scottsdale, AZ, with sales over $212 million last year, most of which came from new home sales. Both the Builder Trade In Program and the New Home Ambassador Program are endeavors which have received high endorsement by Keller Williams’ CEO, Gary Keller, calling the program, “part of my original dream; it represents a whole new generation of thinking.”
Steve is certified as a John Maxwell motivation speaker. His main passion is education and has enjoyed great success as an educator and team leader, with extensive experience teaching at the Arizona School of Real Estate & Keller Williams.
To learn more about Steve visit:
You may also contact him at:
The Elite Team
Keller Williams Arizona Realty
Arizona Virtual Business Address | from $9.99 Per Month
Arizona Virtual Business Address from $9.99 including Business Address, Digital Mailbox, Phone Forwarding, Voice Mail and Dedicated Fax. View & Manage Mail & Packages 24/7 Online Or Using Our App. Get started Click here Questions call (845) 579-5770. Real Street Addresses. Get Your Mail Anywhere.No contract or sign-up fee. Change monthly plans at any time.
If you have a home-based business or you need an address for your business in another city, for as little as $9.99 per month you can now get a virtual business address that is a real street address. Upgrade your business image, register your company, and protect your privacy. Receive postal mail and packages from any carrier at a secure location. View and manage your mail from anywhere with an app or online. Even deposit a check. Add phone and fax for a complete virtual office presence. How it Works: Choose a Location and Plan. Choose an address from 500 digital mailbox locations across the U.S. and abroad. Then select the plan that’s best for you, depending on how much mail you expect to receive. Redirect Your Mail. To receive mail at your new address, file a Change of Address form with the USPS and/or notify senders directly. Receive Mail & Packages from Any Carrier. Because every iPostal1 digital mailbox address is a real street address, you can receive mail and packages not only from the USPS, but also from FedEx, UPS and other carriers. View and Manage Your Mail from Anywhere. Use our free app or any computer to view an image of the outside of each mail item you receive. With a click or tap, tell your mail center what you want to do with each item, or schedule a pickup. Forward Mail & Packages to Any Address: You can forward mail and packages to any address, on demand. See real-time shipping prices. Choose the carrier and level of service that best meets your needs. Request a Scan of Mail Content: View a PDF of mail content in just a few hours. Store scanned mail in the cloud with iPostal1 or download to your device. Get 2 GB of free cloud storage. Recycle and Shred Unwanted Mail: Discard unwanted mail. Eliminate mail clutter with just a click. Deposit a Check by Mail: If you bank accepts deposits by mail, we can do it for you, no matter where you are. Add Phone & Fax to Your Digital Mailbox: For a complete Virtual Office presence, add toll-free or local phone and fax. Forward calls to any number, get digitized voice mail messages in your Digital Mail inbox. Schedule a Pickup: If you live or work near your mail center, you can schedule a pickup during business hours. Convenience: View and manage your mail from anywhere, 24/7, with an app or from any computer. Save time and money. Forward mail and packages to any address, request a scan of mail content, discard or shred unwanted mail. Value: For as little as $9.99 a month you can have your own virtual mailing address for business or personal use with your private Digital Mailbox to view and manage your mail. Over 500 Addresses: Choose from 500 digital mailbox locations across the U.S. or abroad, including addresses at executive business centers in professional office buildings. Real street addresses: All locations are real street addresses, not a PO Box. That means you can receive packages from any carrier or use your address to register your business, upgrade your company image, or protect your privacy. Customer Support: When you have a question, just call or email us. Our Customer Service team at our home office in New York is ready to help. Real-time shipping prices: No surprises. See exactly what it will cost to ship your mail or packages. Select the carrier and level of service that best fits your needs and your budget. Plans with Phone & Fax: Only iPostal1 offers Digital Mailbox plans with phone and fax, so you can manage everything in one place.
CityScape Development in Downtown Phoenix
CityScape Development in Downtown Phoenix is changing the skyscape.
Phoenix Fire Station 55 Grand Opening | News Feed
The city of Phoenix, #PhoenixFireDepartment, and the #Community celebrated the grand opening of #FireStation55 in North Phoenix on October 12, 2019. Media and community members were invited to tour the 12,000 square foot state-of-the-art facility, and had a chance to meet Mayor Gallego, Vice Mayor Waring, other city leaders, and first responders. Everyone enjoyed food and activities for the whole family.
Connect with the City of Phoenix:
– Official City of Phoenix Homepage
- Like us on #Facebook
- Follow us on #Twitter
- Please Subscribe to this YouTube Channel
- Watch live or on demand programs
- Twitter Feed of #PHXTV Programs
Phoenix AZ Reviews for Assurance Moving & Storage Movers Scottsdale Mesa Chandler Tempe
| 602.476.1201 625 S. 27th Ave., Ste 119 Phoenix AZ 85009 The Phx Valley Area Movers that CARE! Local Phoenix Movers, Long Distance Movers in Phoenix AZ Residential Movers , Phoenix Area Commercial Movers AZ, Full LIne of Moving & Packing Supplies in Phoenix AZ & so much more! Don't forget to like us on Facebook! | Call, click or come by today for a free estimate from the BEST MOVERS IN TUCSON! Check our Assurance Moving & Storage Phoenix AZ Reviews on YouTube!
Owners of AboveTopSecret.com Announce Their Candidacy For President of the United States.
FOR IMMEDIATE RELEASE
PHOENIX, AZ - April 1, 2011: In a dramatic move into the realm of national politics, the CEO and COO of the popular website, AboveTopSecret.com, known as Skeptic Overlord and Springer respectively, have announced their candidacy for the office of President for the upcoming 2012 national elections. Running under the newly formed T.E.A.T. political party, the two are very hopeful for a broad reaching campaign.
When asked about their core platform, CEO Skeptic Overlord responded, There are a great deal of issues of primary concern to Americans, many of which are being ignored by nearly all other national politicians. We're the only ticket that addresses all the issues head-on, and fully acknowledge why contemporary politicians side-step and avoid anything important. The COO, Springer, added, Exactly. What they're not telling you is that there will be no 2013. So none of these issues matter one bit.
The new T.E.A.T. party, which stands for The End of All Things, reflects the core platform and issue-centric beliefs of the pair who head the party and are also running on the presidential ticket. As it's been confirmed the world will end at the stroke of midnight (GMT) on December 12th, 2012, their platform focuses on the key point that 2013 will never happen. And as a result, no President-elect will be inaugurated in January of 2013. We could focus on a wide range of artificial issues such as gay marriage, stem-cell research, Justin Beieber, or even pretending to be mad at Wall Street bankers, but we won't, says Overlord, We're going to be the only honest politician in this race, and say straight up, it just doesn't matter.
With campaign offices opening up in Arizona, Oklahoma, and New York, the candidates and their party are off to a strong start. Springer noted that key people are joining on a daily basis. Elected officials from across the country are jumping at the chance to be a part of our movement. Just this morning we signed up the elected Class President of a high school in Dearborn, Michigan and the elected comptroller of a college fraternity in Fieldale, Virginia. It's a very exciting time for us.
With all of the partisan spin and intentional distraction away from actual important issues experienced in contemporary American politics, we are convinced that our message will resonate with the voters in a way never before seen. Skeptic Overlord went on to say. It's too bad that none of it actually matters as there will be no 2013.
The pair have become well-versed in present-day political issues through the operation of their website, AboveTopSecret.com, which receives five million visits a month from people sharing their concerns. The two can be reach through the website for interview requests for additional commentary, more information on their political platform, and information on the newly formed political party.
AboveTopSecret.com is the Internets largest and most popular website dealing with alternative topics such as government conspiracies, with more than 2.7 million pages of content and over 7 million monthly visitors. The Above Network, LLC, a virtual company with executives in three states and two countries, owns and operates AboveTopSecret.com, among other online properties. The company was founded in 2007 with a goal of creating compelling user-generated content ecosystems on issues of importance to people. For more information, contact Mark Allin at 480.304.5680 or pr(at)theabovenetwork(dot)com.