Washington, D.C., June 11, 2026 — The American Land Title Association (ALTA), the Maryland Land Title Association (MLTA) and AARP today commended Maryland Attorney General Anthony G. Brown and the Consumer Protection Division for taking action against MV Realty and seeking to terminate allegedly unlawful Homeowner Benefit Agreements and related liens that burdened Maryland homeowners.
According to the charges, MV Realty engaged in illegal consumer lending when it entered into Homeowner Benefit Agreements (HBAs) with Maryland consumers, advancing them a small sum that they would have to repay with exorbitant interest. The Attorney General’s action seeks to halt the alleged unlawful conduct, terminate the agreements and related liens, and obtain restitution for consumers.
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“Attorney General Brown’s action sends a clear message: homeowners should never be trapped in deceptive agreements that cloud title and threaten their most valuable asset,” said Caroline Cone, director of state government affairs, ALTA. “Protecting clear title and preserving the ability to sell, refinance or pass on a home are fundamental to consumer confidence and property rights.”
Maryland’s charges allege that MV Realty trapped Maryland homeowners and their heirs in costly long-term agreements and failed to clearly disclose key terms, including the 40-year duration and the impact the recorded agreements could have on future transfers of the home.
“AARP applauds Maryland Attorney General Brown for taking decisive action to protect homeowners from predatory agreements that trap homeowners and limit their ability to sell or pass on their homes to the next generation. The charges levied against MV Realty make it clear that Maryland will not tolerate schemes that exploit home equity or strip away future choices,” said Jenn Jones, vice president of financial security and livable communities, government affairs, AARP. “We remain committed to working with leaders and advocates nationwide to stop these practices and to protecting older homeowners from unknowingly risking long-term security for a short-term payment.”
ALTA, MLTA and AARP have worked alongside policymakers and consumer advocates nationwide to raise awareness about these types of agreements, often referred to as non-title recorded agreements for personal services (NTRAPS), and to advance solutions that better protect homeowners from hidden risks. In 2023, the Maryland state legislature passed a law that made NTRAPs unenforceable by law.
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“These agreements can create serious uncertainty in the land records and unnecessary obstacles for homeowners and real estate transactions,” said Eric Oberer Esq. CLTP, president of the Maryland Land Title Association. “We appreciate Attorney General Brown’s leadership in taking action to protect Maryland homeowners and uphold transparency in the marketplace.”
“For many older Marylanders, a home represents both financial security and a legacy to pass on to loved ones,” said Kathy Lewis, AARP Maryland interim state director. “AARP Maryland is proud to support this action and stand with Attorney General Brown to ensure homeowners are not burdened by predatory long-term agreements that can threaten their ability to sell, refinance or transfer their homes.”
ALTA, MLTA and AARP will continue working with state leaders, industry partners and consumer advocates to advance protections against predatory real estate contracts and safeguard homeowners’ property rights.
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Washington, D.C., June 15, 2026 — The American Land Title Association (ALTA), the national trade association of the land title insurance industry, today announced that the title insurance industry generated $4.5 billion in title insurance premiums during the first quarter of 2026, according to ALTA’s latest Market Share Analysis. This is up from $3.9 billion during the same period a year ago.
“Every real estate transaction represents a significant financial investment, and title professionals are working behind the scenes to ensure those transactions can close safely and securely,” said ALTA CEO Chris Morton. “The industry’s first-quarter results reflect the continued demand for the critical work title companies perform to identify hidden risks, prevent losses and protect property rights. Even as fraud threats and transaction complexity continue to increase, title professionals remain focused on delivering the certainty and peace of mind consumers, investors and lenders deserve.”
The title insurance industry paid nearly $151 million in claims during the first three months of 2026. This is down from about $161 million in claims paid during the same period a year ago.
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Top 10 Individual Underwriters by Q1 2026 Market Share
ALTA expects to release its second-quarter Market Share Analysis around September 1.
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Washington, D.C., June 16, 2026 — The American Land Title Association (ALTA), the national trade association of the land title insurance industry, issued the following statement after congressional leaders in the House and Senate reached an agreement on a bicameral, bipartisan housing package.
ALTA applauds congressional leaders in the House and Senate for reaching this historic agreement on the 21st Century ROAD to Housing Act. The updated legislation reflects years of bipartisan, bicameral work and is a meaningful step toward addressing the nation’s housing supply and affordability challenges.
“ALTA congratulates Chairman Tim Scott, Ranking Member Elizabeth Warren, Chairman French Hill and Ranking Member Maxine Waters for working together to reach this landmark agreement,” said ALTA CEO Chris Morton. “The 21st Century ROAD to Housing Act is an important step forward for homebuyers everywhere and we urge Congress to pass this bill and send it to the President’s desk.”
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“ALTA appreciates the leadership of Congress and the Trump administration in tackling housing affordability,” Morton said. “the title insurance industry looks forward to continuing to work with policymakers to advance commonsense housing solutions that promote and protect the American dream of homeownership.”
REACH SOPHISTICATED PROFESSIONALS: Market Your Company at the Shoreline Yacht Club in Long Beach, California!
Limited Booth Sponsorship Opportunity – Shoreline Yacht Club Land Cruise Event
A limited number of booth sponsorships have just become available for our Realty411 group at this exciting summer networking event. These remaining spaces are expected to sell out quickly within just a matter of days.
For just $200, you can secure a booth or table sponsorship at the beautiful Shoreline Yacht Club in Long Beach on Saturday, June 20, 2026, from 10:00 AM to 5:00 PM.
As a sponsor, you may bring your own table, tablecloth, brochures, flyers, and business cards to showcase your products or services. Businesses are welcome from all industries—not just real estate.
Sponsor Benefits Include: • Your own booth or table space • 10 to 15 minutes on the microphone to speak to our group* • Presentation access with a 9-foot projection screen • Networking with business leaders, entrepreneurs, investors, and community members • Gourmet food, beverages, Mimosas, music, and a fun waterfront atmosphere • Set Up Starts at 9 AM, metered parking is available near the club.
Event Highlights • Business networking and vendor exhibits • Engaging speakers and special guests • Gourmet food and drinks served throughout the day • Beautiful waterfront setting at Shoreline Yacht Club
*Speaking time is subject to availability and depends on number of sponsors.
The event is organized by Rick Tobin, Vice-President and Director of Events for the Canyon Lake Chamber of Commerce, in partnership with the Canyon Lake Yacht Club.
We expect over 100 guests! Expected attendees include local elected officials, business leaders, real estate professionals, financial experts, and members of both the Canyon Lake and Long Beach business communities as well as board members from the Long Beach Chamber of Commerce.
Rick Tobin is a long-time writing contributor and editor for various Realty411 publications and has helped host several in-person events over the years. The main program runs from 10:00 AM to 3:00 PM, with networking continuing until 5:00 PM.
Guest Tickets Sponsors who wish to bring a guest may purchase a $50 event ticket for each guest. In order to buy one or more $50 guest ticket, you must buy a $200 booth sponsorship table first.
We hope you are having a blessed Sunday. We thank you for being a part of our Realty411 network where our mission is to provide life-changing REI knowledge. With this in mind, we would like to invite you to a new virtual educational session with Ken Letourneau, known as “The Tax Sale Master”.
Ken has spoken at our Realty411 events in California and we want to make sure our national network has access to his incredible knowledge. Investors, be sure to join his webinar to increase your knowledge about Tax Sales across the nation.
NEW CLASS: June 8, 2026 – 6 pm PT, 7 pm MT, 8 pm CT, 9 pm ET
For the past 15 years, Ken Letourneau, known as “The Tax Sale Master”, has specialized in the niche market of purchasing properties through local government tax sales, also known as tax sale investing. This strategy has attracted major Wall Street firms like BlackRock and JPMorgan Chase due to its lucrative potential.
With tax sale investing, you can earn returns of up to 25% on your money or even acquire properties for as little as $1,000.
Ken Letourneau is a seasoned real estate professional with over 25 years of experience in the industry. He has specialized in tax lien certificates and tax deed properties and is actively participating in tax sales auctions across the United States.
Ken’s expertise extends beyond his personal ventures. He now dedicates a significant portion of his time to educating others in the intricacies of tax sales auctions. Be sure to register for his free training.
Attend a Live Online Tax Auction Training With Ken Letourneau, The Tax Sale Master
6pm PT | 7pm MT | 8pm CT | 9pm ET
100% Online | FREE to Attend | Limited Seats
NEW CLASS: June 8, 2026 – 6 pm PT, 7 pm MT, 8 pm CT, 9 pm ET
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The housing market in many regions across the nation can be best described as “sideways” where home prices remain relatively stable and listing inventory is still well below historical averages.
While housing trends are more localized and can vary from a stronger sellers’ market to a better buyers’ market depending on the region, we’re seeing sideways types of stable home price trends in many regions that fluctuate within a more narrow price range swing. It’s not an obvious appreciating or booming price trend or a downward, busting, or depreciating price movement.
Whether your local housing market region has a balanced market supply of buyers and sellers or many more sellers than buyers, home listing prices aren’t drastically falling on a large scale as of yet.
For any type of product or service, an equalized number of buyers and sellers is usually more positive than negative to at least keep the prices relatively stable or flat.
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Our Unusual Sideways Housing Market
I describe average price trends in most regions as “flat” in spite of so many historic negative housing and economic trends that would’ve acted like a figurative anchor in previous housing cycles and pulled home values back down. If so, it would’ve created more “underwater” properties where the mortgage debt exceeded the current home market value.
Let’s take a closer look at sideways types of housing market characteristics:
Flat home prices: A more typical home price trend for a sideways housing market is when home prices remain flat or stagnant, partly since the number of buyers and sellers is more balanced. However, home prices are either flat or slowly appreciating in spite of the record imbalance of sellers vs. buyers.
An inverted housing market: We’re not seeing home prices crashing like they did during the 2008 to 2012 era at this point in today’s housing cycle. Nationally, there were an estimated 1.99 million sellers competing for approximately 1.48 million buyers, as per Fortune and Redfin in Q1 of 2026.
The whopping number of an all-time record 630,000 more home sellers than buyers should’ve created a much stronger buyer’s market as home listing price averages should’ve trended downward. However, we’re still not seeing that happen on a large scale in more regions.
Doubling Home Listing Numbers: You’ve probably noticed the national home listing supply numbers moving up over the past year from a low near one million to almost two million today.
What’s a bit confusing is that many of these national home listing supply numbers just focus on older existing-homes for sale, while not including the near record number of new builder homes for sale as well.
Average new U.S. home prices from motivated builders continue to remain priced below older existing homes for sale. This price trend differential is highly unusual because buyers used to willingly pay an average of 15% higher for new homes due to the obvious benefits of brand new appliances, roof, windows, plumbing features, and lengthy home warranty plans.
After combining the older and brand new home listings, this number gets closer to two million. However, it’s still about half as large as the four million home listings for sale back near the previous housing bubble peak in 2007.
As I’ve shared for many years, the number of distressed (forbearance, loan modifications, pre-foreclosures, etc.) and vacant “shadow inventory” supply of homes absolutely dwarfs the national home listing inventory supply by a significant number.
After this huge number of distressed properties, which may have delinquent mortgages that haven’t been paid for several years, later turns into foreclosures and future listings, then median home prices are likely to remain stagnant or start falling.
A positive population trend that I’ve shared before is that there are now 40 million people living here in the U.S. today than there were back in 2007 when national home listing inventories peaked near 4 million homes for sale. However, how many of these additional 40 million people living in the U.S. can qualify to purchase a home or lease a property?
Older Buyers and Sellers, Fewer Families
Adults between the ages of 61 and 79 continue to dominate the U.S. housing market and represent the largest group of home buyers and sellers, according to the National Association of REALTORS®’ newly released 2026 Home Buyers and Sellers Generational Trends report.
Baby Boomers (born between 1946 and 1964) accounted for 42% of all U.S. home buyers and 55% of home sellers, according to this NAR report. First-time home buyers fell to their lowest share on the NAR’s records that date back to 1981, comprising just 21% of all home buyers.
The average first-time U.S. homebuyer age in 2025 was 40 years of age. Sadly, the average first-time homebuyer age in California last year was closer to an all-time record high of 49. If a California buyer takes out a 30-year mortgage and doesn’t pay any extra principal payments, then they will be 79 years of age by the time their home is free-and-clear with no debt.
In 2025, there were more home buyers across the nation over the age of 70 than under the age of 35. Last year, the average U.S. home seller was 64 years of age.
Both marital and fertility trends are near historic lows as fewer people are truly in love or financially secure enough to get married and have children. Raising children from birth until just the age of 18 in today’s America can cost an average of $300,000, as per CBS News.
The number #1 cause of divorce these days is not related to a spouse being unfaithful. No, it’s related more to financial pressures. Ironically, the top 2 reasons for financial insolvency these days are tied to unpaid medical bills and divorce.
Unhappy relationships and feelings of disconnection among the younger generations will eventually be a major factor causing declining future single-family home sales, especially if they don’t have any loving family members living with them.
Mortgage Rates and Record Debt
Those new record low 3% mortgage rates are long gone. Yet, today’s rates that are swinging from the low-to-high 6% rate range for many applicants are still well below the 50-year historical average for 30-year fixed mortgage rates that are closer to 7.76%.
A major difference today for many people is the fact that our dollar’s purchase power keeps falling at a rapid pace. This is painfully obvious for many of us who go grocery shopping.
A prime example of how bad food prices have gotten is the fact that a recent LendingTree survey found that nearly one-in-three Americans are using Buy Now, Pay Later type of costly installment plan services to buy groceries.
The average new car payment is nearly $775 per month, while some new truck payments can be in the $2,000 to $3,000 per month range. Gas prices here in California are more likely to be above $6 per gallon than below that figure. Car insurance and maintenance costs keep rising as well. As a result, it may cost a car owner an average of closer to $1,500 per month (car payment, gas, insurance, maintenance, etc.) or more to keep driving their car.
Total unpaid credit card debt reached a new record high in Q1 2026 at nearly $1.25 trillion dollars. With APRs (Annual Percentage Rate) for many rates and fees somewhere within the 28% to 40% APR range, it’s becoming incredibly challenging to pay off consumer debt.
Buying and Selling Timing Options
It’s been said that the three most important factors for real estate are “location, location, and location.” While this may be true for prime coastal beachfront properties in Southern California like those found in Huntington Harbour, Newport Beach, and Laguna Beach, I would add market timing as the fourth most important factor.
How often do we look back and clearly see that the housing market was peaking or busting? With 20/20 hindsight today, it’s much easier to see the positive or negative housing trends in the past.
What’s more important is to pay close attention to the positive or negative trends in your housing market regions of interest today!
If this perceived flat or stagnant housing market suddenly turns into a downward home price cycle, then you as a buyer will have less competition to purchase discounted properties that interest you.
For sellers in a declining housing market with a record imbalance of sellers-to-buyers, you will need to seriously consider reducing your home listing prices instead of waiting and holding out for all-time record price highs for your neighborhood.
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Please closely watch the average Days on Market (DOM) for your region to have a better understanding of home value trends. An increasingly longer number of active days for sale is more likely to lead to future home price drops rather than price hikes.
For savvy real estate investors who closely follow Realty411, if you’re the only active investor in your region interested in a distressed property that may or may not be currently listed for sale, you might boost your nest egg by purchasing well below market value and holding on to it for the long run.
As many of us know, real estate has proven to be an exceptional hedge against inflation. Our dollar will continue to keep weakening and inflation will keep rising each year more often than not. As a result, property values may keep rising as well in spite of a potentially weakening economy.
Rick Tobin has worked in the real estate, financial, investment, and writing fields for the past 30+ years. He’s held eight (8) different real estate, securities, and mortgage brokerage licenses to date and is a graduate of the University of Southern California.
Rick provides creative residential and commercial mortgage solutions for clients across the nation. He’s also written college textbooks and real estate licensing courses in most states for the two largest real estate publishers in the nation; the oldest real estate school in California; and the first online real estate school in California.
Please join my So-Cal Real Estate Investors group that meets at Canyon Lake Golf & Country Club, Shoreline Yacht Club in Long Beach, and online: So-Cal Real Estate Investors.
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Thank you for being a member of our network. Our mission is to provide our readers with valuable insight to help them navigate the journey of life, business, and investing.
With this in mind, get ready for an ONLINE educational review on Retirement Planning on June 11th at 6 PM PT / 9 PM ET. For this virtual session, our educator will provide key insight on creating an income to help professionals retire safely and securely.
Overview
Learn from Kris Miller, CEO of Legacy Wealth, as shares important information about retirement planning. Don’t outlive your income, register for this webinar.
For 36+ years, she’s guided 6,000+ families, safeguarding over $2.5 Billion—and not a single client has lost a dime due to market downturns.
Kris Miller is the author of the #1 bestselling book, “Ready for PREtirement: 3 Secrets to Safe Money and a Fabulous Future.”
Kris is the founder of Healthy Money – Happy Life, and she teaches hard-working people like us how to protect our money and ensure that we’ll have enough to live well even if we choose to retire.
The secrets she has to share are rarely discussed outside the 1%. But you don’t have to be a billionaire… yet, to take advantage of what Kris is going to share with us today.
Her promise is practical and transformative: create income you can never outlive, align money with purpose, and live your legacy now—no matter the market.
Proof: 6,000+ families protected • $2.5 Billion safeguarded • Not a single client has lost a dime due to market downturns.
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SAN DIEGO, May 13, 2026 (Newswire.com) – Independent Trust Company (“ITC”), a privately owned corporate trust provider specializing in South Dakota trust administration, today announced the launch of its California presence with the opening of a new San Diego office. The office will be led by Tracy Zepeda, who has been appointed Market Leader for California, as part of ITC’s regional expansion strategy.
The new office reflects ITC’s continued investment in regional accessibility and advisor support in one of the nation’s most active wealth management and estate planning markets. From San Diego, ITC will serve advisors and trust families across California, focusing on strengthening relationships with advisors and families seeking conflict-free trust administration.
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Joining Ms. Zepeda in California is ITC’s President, Robert Armstrong an industry veteran in the California financial services community. Mr. Armstrong oversees the firm’s strategy, marketing, national sales, and corporate initiatives.
“California represents a critical market for advisors and families navigating increasingly complex planning needs,” said Armstrong. “Launching a dedicated California presence allows us to better support professionals across the state. Tracy brings the experience and leadership needed to build strong relationships and execute thoughtfully in this market.”
Based in San Diego, Zepeda will lead statewide business development, advisor engagement, and strategic partnerships. She brings more than 25 years of executive leadership experience and is known for her solutions-driven approach and ability to build long-standing relationships with advisors, attorneys, and fiduciaries.
“Establishing a California presence is an important step for ITC,” said Zepeda. “With the support of ITC’s senior leadership, I look forward to working closely with advisors and institutions across the state to deliver ITC’s conflict-free trust solutions and responsive service model.”
Through its South Dakota trust platform, ITC supports directed trust administration, advanced estate planning structures, administration of unique and complex assets, and advisor-managed investment portfolios for trust families nationwide. The California office will serve estate planning attorneys, Registered Investment Advisors (RIAs), multi-family offices, and high-net-worth families seeking flexible trust solutions and long-term fiduciary support.
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About Independent Trust Company
Independent Trust Company (“ITC”) is a South Dakota-chartered trust company specializing in trust administration for individuals and clients of RIAs, attorneys, and family offices nationwide. ITC is a privately owned provider of corporate trustee services, supporting sophisticated trust structures, complex assets, and modern fiduciary governance needs.
Through a combination of specialized trust expertise and technology-enabled administration, ITC helps trust families and professional advisors implement strategies designed to support long-term planning objectives and multigenerational wealth stewardship.
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Create Income You Will Never Out Live — Key Insight on Retirement Planning
Hosted by Realty411 — A Resource Guide for Investors
Schedule
Thu, 11 Jun, 2026 at 06:00 pm
Venue
Online
KNOW MORE ABOUT THE EVENT!
Kris Miller will discuss retirement planning. She has over 36 years of experience and has worked with more than 6,000 families, safeguarding over $2.5 billion. Her focus is on strategies to protect finances and ensure sustainable income during retirement.
The session will cover practical insights on managing money and aligning it with personal goals. Additional details about her background and the number of families she has assisted will be shared.
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