Why a Loan Modification Could Be Right for You

Loans play an integral role in our society. Institutions front people with money to help them secure assets and necessities to help them prosper day-to-day and build the lives they want and need. However, the loans will need to be paid back and oftentimes we bite off a bit more than we can chew or we need to adjust our finances to open new doors. Whether you want to lower monthly payments to free up cash flow or are feeling overwhelmed by the ...
Read More

Don’t Get Scared Away by a “Buyer’s Market” or “Seller’s Market”

The Florida real estate market remains one of, if not THE, hottest real estate market in the country. People want to be a part of the Sunshine State and take advantage of the many benefits of living here. After a raucous 2021 on the market, 2022 got off to a similar start. Now, we’re seeing signs the bubble could be bursting in the housing market. But, what does that mean for you? People constantly throw out the terms “buyer’s market” or ...
Read More

How Your Age Impacts Your Estate Plan

Historically, estate planning has been viewed as a service for the elderly to get their assets and money in order before they’re gone. The thinking is you don’t really need to think too far ahead when you’re younger, but we’re finally reaching a point where more and more young people are getting involved in the process. Estate planning is for EVERYONE. Adults at any point in life should be planning their estate because we simply cannot always ...
Read More

What is a Quiet Title Action?

If you’re new to real estate you may have never even heard of a “Quiet Title Action.” Even if you’ve been in the business for a long time, maybe you’ve never actually dealt with this. Regardless of your experience, it’s important to know what a Quiet Title Action is and what it could mean for you. In a way, the term is self-explanatory. The action is an attempt to quiet a dispute with a title. One or more parties can request this process for ...
Read More

Are You Owed a Foreclosure Surplus Refund?

The foreclosure process can be exhausting and a bit demoralizing. You’ve worked hard to secure a property and pay off the mortgage, but we understand sometimes the process doesn’t go as planned. However, the foreclosure process could give you a surprising financial boost in the form of excess funds after the foreclosure sale. How do you know if you’re eligible and how does the process play out? Determining excess amount The foreclosure ...
Read More

How A Property Title Search Could Impact Real Estate Closings

Congratulations! You’re at the end of the process to purchase a prime piece of real estate in Florida you’ve had your eye on. But before you close, you need to dot some t’s and cross some i’s. A property title search will be a key part of that process. A property title search is the act of clarifying exactly who owns the property and whether or not there are any barriers that would prevent you from cleanly purchasing and claiming ownership of ...
Read More

What the Right Probate Attorney Can Do For You

The estate planning process can be enough of a burden itself and that’s before you even get to probate court. The probate process can be relatively straightforward as the courts read out the last wishes of the estate, but that’s only if the probate is uncontested. When probate is contested, you’re going to need the right lawyer on your side whether you’re a representative of the estate or a beneficiary. Contested probate means someone ...
Read More

How Does Child Support Work in Florida?

In Florida, both parents have a responsibility to financially provide for their child. This is not a negotiable policy. Regardless of relationship status, both the parents of a child must financially provide for their well-being, upkeep, and education. When the parents are together, they often pool their resources to accomplish this. When the parents are divorced, child support enters the picture. The goal of child support is for one parent to ...
Read More

The Different Types of Child Custody in Florida

Child custody works differently in Florida than anywhere else in the world. Parents entering a divorce hoping to get “sole custody” may be surprised that those terms do not even apply to Florida. Instead, there is a complex system that hopes to give children time with both of their parents - and reward parents who wear their responsibilities properly. At the Law Offices of Ray Garcia, P.A., we know that there is nothing more important to a ...
Read More

4 Ways Divorced Parents Can Improve Their Communication

Some divorcing couples think that once the final papers are signed, they’ll never have to speak to their spouse again. For parents, it doesn’t quite work like that. Parents getting divorced tend to transition from living together and seeing each other every day to simply talking to each other every day and coordinating schedules. It isn’t quite the clean break that some couples would prefer. It can be frustrating to feel like so much of your ...
Read More