In this article, you will learn about: How to find the right attorney to assist you in your foreclosure defense in Florida. The costs associated with hiring a foreclosure defense attorney and how representation can help you. The reality of pursuing a short sale on your foreclosure in today’s market. What Should I Look For In A Foreclosure Defense Attorney? When choosing a foreclosure defense attorney, it is important to consider the qualifications of your lawyer. Be sure you partner with a professional who has experience in foreclosure defense and understands the process of working with banks as well as other lenders. I spent a decade working with banks to foreclose homes and have developed a wealth of experience in how lenders operate, including the best ways to protect yourself…Read More
In this article, we will examine: The industry trends that determine how your mortgage may be impacted by a hurricane. The financial assistance and legal implications associated with hurricane damage in Florida. The process you can expect when working with a qualified attorney to face foreclosure after a natural disaster. Is My Mortgage Affected If A Hurricane Destroys My House? Since more than 60% of mortgages in the United States are held by Fannie Mae or Freddie Mac, most lenders will follow the lead of these two agencies when a natural disaster strikes. These agencies issue guidelines that will determine a period of time when homeowners will not be foreclosed on, meaning that banks will be unable to foreclose until the emergency situation is resolved. However, this does not mean…Read More
This article covers the following: The benefits of partnering with a real estate law firm over a standalone title company. Common questions to ask when choosing a real estate law firm. How to ensure accurate and thorough title searches. Can I Simply Use A Standalone Title Company? When looking for title insurance, it’s essential to know the entities you should be working with. The most common approach for buyers and sellers looking for title insurance is to work with law firms associated with title insurance. While you don’t need to be a lawyer to issue title insurance, there’s a lot that a standalone title company can not do, such as… Draft promissory notes Secure mortgages with hard money lenders Write legal contracts Curative deed work Corrective legal work Filing quiet…Read More
This article covers the following: How title companies simplify the purchase process in Florida. How these companies help identify potential issues with the property title. Why buyers should work with a local title company for optimal results. How Can A Title Company Simplify The Home Purchase Process In Florida? Any assistance you can get when purchasing your home can go a long way toward easing the process and helping you get to the closing faster. Dubyak Law Firm runs title closing and we strive to make everything as simple as possible. When you buy or sell a property, you’ll fill out a form called the buyer information sheet or the seller information sheet. The one-page document has all the information I need from you. If you’re the seller, I simply…Read More
In this article, you will learn: The different types of title insurance in Florida Whether insurance is transferable when you sell or buy property How to choose the right title insurance policy for your needs What Types Of Title Insurance Are Available In Florida? As a homeowner, understanding the value of insurance and the type of insurance you need for your home is crucial. Title insurance is among the basic types of home insurance you need as a homeowner. In essence, there are two types of title insurance: Lender’s Policy This is a title insurance that you take out when you use mortgage money to purchase the property. Your lender will require you to get this type of insurance. Buyer’s or owner’s policy You purchase this type of insurance when…Read More
In the following article, we will explore: How different forms of bankruptcy can prevent or significantly slow down the foreclosure process on your Florida property. The ways in which applying for a loan modification can place a temporary pause on your foreclosure process. Common myths and misconceptions around foreclosure law, and exactly what you should expect when working with a foreclosure attorney. Does Bankruptcy Always Prevent Foreclosures In Florida? While it may not entirely prevent foreclosures in Florida, it is certainly true that bankruptcy can significantly slow down a foreclosure on your property. However, your foreclosure can be impacted in a variety of ways by the forms of bankruptcy you file for. For example: Chapter 7 Bankruptcy: The purpose of Chapter 7 bankruptcy is to eliminate any unsecured debts by…Read More
In this article, you will discover: The purpose of foreclosure mediations and how to submit a motion to begin the process. What to expect during the process and how you can be protected from foreclosure for the duration of your mediation. How an attorney can help you prepare to face bank representatives during mediation. What Is Foreclosure Mediation And How Does It Work In Florida? Foreclosure mediation is the process by which lenders and borrowers can resolve mortgage issues without the risk of foreclosure. During the litigation process, either party can request mediation, though the borrower typically makes the request. The goal in requesting a foreclosure mediation is typically to be able to sit down with a singular human representative rather than dealing with the bank or financial institution as…Read More
