How does the “CARES ACT” in response to COVID-19 help me with my Mortgage?

There was a time when we thought  Y2K was the end of the world, but truth be told, what we are facing as a society and worldwide falls nothing short of a nightmare and although it may not be the end of the world, it sure does feel like it. It's highly recommended to stay home and practice Social Distancing. The sooner we can control the invisible terrorist, the sooner we can continue our usual lives. Our homes are supposed to be our safe-havens. ...
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Real Estate Closing in Miami Springs

Purchasing real estate is a process and in the process, you should always seek the advice of an experienced real estate attorney. This is especially true when purchasing real estate property in a Municipality such as Miami Springs, Florida. There are specific issues with real estate properties in  Miami Spring, Florida and having an attorney with prior experience in the municipality makes the transaction easier and most effective. Miami ...
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A Brief Overview of Quitclaim Deeds

Not all deeds are created equal. Depending on your circumstances, you might be in possession of a general warranty deed, special warranty deed, deed of trust, or master deed, to give a few examples. This blog will focus on what are known as quitclaim deeds, which are somewhat-informal documents that can be quickly transferred from one entity to another.  Deed Definition To preface, a “deed” is a legal form or document that conveys the ...
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Buying Your First House? Understand Your Mortgage Options

If you are a first-time homebuyer, the joy of owning your own home can be particularly overwhelming. For most people, however, the dream of becoming a homeowner is often thwarted by insufficient funds. Fortunately, there are certain programs for first-time homebuyers that you can take advantage of if you live in Florida. Here are a few.  FHA Loans FHA loans are offered by the Federal Housing Administration. This program allows you to pay ...
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Zoning Law 101: How to Obtain a Zoning Variance

Zoning variances provide administrative relief from zoning requirements that would present unique difficulties for a property owner when strict compliance is enforced. It essentially allows the property owner to disregard a specific ordinance provision after the Zoning Board of Appeals conducts its investigations. Variance requests could include things such as relief from parking, building height, setback, and landscaping requirements.  The ...
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4 Benefits of Having an Attorney Help You Close a Real Estate Sale

If you are planning to buy a new home, you will probably encounter a lot of new information and details that might be a little too complicated. A real estate attorney can help you avoid costly mistakes and ensure that you do not get the raw end of the bargain. Here are 4 reasons you should have an attorney help you close a real estate sale. 1. Negotiating Contracts Contracts are an essential part of any real estate sale. When buying a ...
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“I’m Underwater on My Mortgage. What Are My Options?”

Buying a house is one of the most important decisions you'll ever make. A home gives you shelter and a place to raise a family. The quandary is that most of us cannot afford to make a lump sum payment on this investment, and so we choose the seemingly more convenient alternative – a mortgage. But what happens when everything falls apart along the way and your loan surpasses the current value of your home? Do you abandon ship or ignore the ...
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Short Sales: What are They and How Do They Work?

If you are ‘underwater’ on your mortgage, meaning you owe more than it is worth, it can be a difficult situation to overcome. If you’re falling behind on your payments, and believe a foreclosure may be in your future, you do have some good options. One of the solutions that works well for people is to seek a short sale. Simply explained, a short sale is when you sell your home to another party for less than what is owed, with permission from ...
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5 Things to Know About Mortgage Modification

If you are having trouble making your monthly mortgage payments, you may want to consider seeking a mortgage modification. There are several modification options that mortgage companies can offer, each of which can help you to get caught up and arrange payments that are more affordable going forward. When first looking into this option, many people become overwhelmed with all the information. To get started, take some time to learn the following ...
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Selling Your Home: 6 Tips to Help You Maximize the Appraisal

When getting ready to sell or refinance your home, one of the first things you’ll need to do is have it appraised. An appraisal provides you with the general value of the home, which is then used by banks for approving loans and has a big influence on the property’s asking price. With this in mind, you want to do everything you can to maximize the appraised value. The following tips can push the appraised value of your home up by thousands of ...
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