Explaining HOI

  The price of everything has been on a steady uptick for years now.  Insurance premiums included.  Thankfully, many states govern when and by how much insurance providers may increase their charges.  Lenders require their collateral to be covered by homeowners...

HOA Late Charges & Lots of ‘EM

  As an attorney who interacts regularly with homeowners in some stage of default, I encounter HOA arrearages on a fairly regular basis. When the default is long standing, some of these balances grow to truly outrageous amounts. The HOA, or their management...

Capital Gains Exclusions

  Low inventory in the marketplace has been a leading topic of discussion in the market for years now.  A variety of factors working in conjunction with each other have created the environment we’ve been operating in. You hear certain points made...

YOU SOLD MY MORTGAGE ALREADY?

  You just closed on your home last month and now you’ve been notified you’ll be making monthly mortgage payments to a new bank. That fast? Yes, it’s normal. Many lenders, outside of smaller banks or credit unions, are in the business of...