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Andrew was great! Very professional and thorough. I look forward to working with him again in the future!
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Posts filed under:Real Estate

Glossary of mortgage terms

Glossary of Mortgage Terms The purchase of a home can be overwhelming. So too, can the prospect of securing financing. Some terms in frequent use with regard to mortgages are as follows: Adjustable rate mortgage (ARM) – The interest rate […]

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As-Is Clauses in Real Estate Sale Contracts

As-Is Clauses in Real Estate Sale Contracts More and more sellers are listing there properties for sale “as is.” What does this mean to a prospective buyer? When a seller indicates that a property is being sold “as is,” the […]

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Homeowners Insurance and Limits on Coverage of Valuables

Homeowners Insurance and Limits on Coverage of Valuables A home is usually an individual’s largest investment, so most people have taken the precaution of acquiring adequate insurance coverage on their home. However, many also keep their most valuable possessions in […]

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Factors to Consider When Renting

Factors to Consider When Renting Due to the nature of landlord-tenant relationships, it is not surprising that they can often become contentious. To prevent or address problems between landlords and their tenants, the federal government and many states have enacted […]

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Conservation easements and private land

| Conservation Easements and Private Land The Fifth Amendment to the U.S. Constitution states, in part, that private property shall not be “taken for public use, without just compensation.” In order to take property, the government must first condemn it […]

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Wrap-Around Mortgages

Wrap-around mortgages A wrap-around mortgage is a loan transaction in which the lender assumes responsibility for an existing mortgage. For example, Sam Seller, who has a $70,000 mortgage on his home, sells his home to Bob Buyer for $100,000. Bob […]

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Real Estate Tip – Avoid Frequent Refinancing

Q: “I have a friend who refinances his home every three months. He has refinanced six times in the last two years. His mortgage broker buddy gives him a kickback of about $5,000 every time he refinances. He wants me […]

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Understanding And Improving Your Credit Rating

| Understanding And Improving Your Credit Rating “No man’s credit is as good as his money.” E.W. Howe American journalist, novelist 1853-1937 The American economy is based on credit. If you don’t have at least an average credit rating, you […]

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As-Is Clauses in Real Estate Sale Contracts

As-Is Clauses in Real Estate Sale Contracts In the local newspaper, Lee saw an advertisement for a cottage on a small island in the bay near her home. It sounded perfect. Although the cottage was built in the 1930s, the […]

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Trees and Fallen Fruit

Trees and Fallen Fruit Jim lived next to Dawn. On her property, Dawn maintained a peach orchard. The peach orchard was very successful due to the warm weather in the locality. Some of the limbs from Dawn’s peach trees hung […]

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Restrictive covenants and land use

The Effects of Restrictive Covenants on Land Use Zoning laws and ordinances are the chief method that local governments employ to regulate the use and development of property. Similar results can also be achieved by private persons or entities through […]

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Predatory lending practices reduction act

Potential Predatory Mortgage Lending Practices Reduction Act Abusive practices in the mortgage lending market have led to legislation prohibiting such mistreatment. Predatory mortgage lending practices are mostly aimed at loan applicants who are likely to be less informed. Such applicants […]

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Benefits of Listing Agreements

Benefits of Listing Agreements A listing agreement is a contract to employ a real estate broker to act as your representative, or legal agent, in selling your property. This employment contract between an agent and you (the seller) creates an […]

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ILSDA protects individuals from land sale scams

ILSFDA Protects Individuals from Land Sale Scams Prompted by an increase in land sale scams in the 1960’s, Congress passed the Interstate Land Sales Full Disclosure Act (ILSFDA) in 1968. Administered by the Federal Department of Housing and Urban Development […]

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The Homestead Exemption

The Homestead Exemption and Shielding a Personal Residence from Creditors Upon filing for bankruptcy under either Chapter 7 or Chapter 13, a debtor can face the risk of losing some or all of his personal and real property assets to […]

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Home Equity Conversion Mortgage – HECM

HECM – Home Equity Conversion Mortgage A reverse mortgage is an arrangement under which a homeowner may get a loan representing a percentage of home equity. The homeowner will not be required to make payments or repay the loan so […]

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Eminent Domain

What is Eminent Domain? If you own a piece of land but do not want to sell it to the city, state or other government body, did you know that they can acquire the property anyway? This is called eminent […]

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Association Liability

Criminal Acts in Common Areas: Liability of the Association By collecting fees from individual condominium owners, a condominium association typically agrees to maintain the common areas of the complex. However, the association may also be required to take reasonable precautions […]

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