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Understanding Seller Concessions at Closing: A Homebuyer's Guide

Buying a house is expensive. Having the cash for the down payment is only part of the cost. There are other charges during the buying and closing process. In order to help a buyer purchase a home, a s
Successor Trustee vs. Co-Trustee: Understanding the Roles

A trustee is an individual or company that serves a managerial function in connection with some type of property. Trustees serve as managers in connection with mortgage loans, and they also serve as m
Understanding Less Recoverable Depreciation in Homeowner's Insurance

While homeowners may anticipate that their property values will rise over time, the structure itself and many of the items within it decline in value as they age. That's known as depreciation, and
Foreclosure Deed: Understanding Property Ownership Transfer

A foreclosure deed is a legal document granting ownership of property to the purchaser at a foreclosure sale. Depending on the type of foreclosure followed, a foreclosure deed may be a sheriff's d
Understanding Loan Modification Trial Periods: What to Expect

A loan modification is a permanent change to the terms of your loan. The modification can reduce your monthly payment by such measures as lowering the interest rate, extending the length of the loan a
Construction Retention: Protecting Your Project & Ensuring Completion

If you're hiring contractors to do some work on your home, the last thing you want is for them to walk off site leaving the job half-finished. One way to make sure the job gets done is through a r
Rent Farmland: A Comprehensive Guide to Finding Agricultural Land for Lease

In some cases, renting farmland is better than owning. For example, you might not want to buy farmland if you only want to farm a very small amount or if you aren't sure you want to transition int
HELOC vs. Promissory Note: Understanding the Relationship

A home equity line of credit, or HELOC, is a loan secured by the equity built up in your home. Many homeowners obtain HELOCs and use them for major purchases, home improvements, travel and vacations o
Florida Real Property Lien Filing: A Comprehensive Guide

Things Youll Need Certified judgment copies Certificate of judgment lien form Filing a real property lien in Florida is a way to enforce collection of a court judgment. Florida has two different ways
Government Home Improvement Grants: Financial Assistance for Repairs & Renovations

You may be eligible to receive several government grants to cover the costs of home improvement projects. Recipients can use grant funds to purchase equipment and supplies, as well as pay labor and ad
Section 8 Housing: Timeline for Moving After Approval

Section 8 is a federal program designed to provide temporary housing assistance to low-income families. Because your landlord or property manager must work with your local public housing authority for
Mortgage Options for Divorced Women: Rebuilding Your Financial Future

Qualifying for a mortgage after divorce can be a challenge. Because you need adequate income to qualify for a home loan, meeting the income requirement could be tough without your spouse's income
New York Late Fee Laws for Rent: Tenant Rights Explained

Some states set dollar limits on what your landlord can charge you for paying rent late. In New York, there's no specific dollar limit, only a requirement that the fee be "reasonable" re
Identifying Property Insurance Providers: A Guide

Although insurance on a property is not required by law, most mortgage companies providing the financing on a home do require that a policy be in place before they will fund the loan. Since most peopl
Understanding Excessive Loan Forbearance: What You Need to Know

Nearly everyone faces some level of financial difficulty at some point in their lives, and, in a tough economy, more and more people find themselves unable to meet their financial obligations. If you
Write a Strong House-Sitter Reference: A Guide

For a house-sitter, a good reference letter is the best possible word-of-mouth advertising and is essential to helping create new business and create an atmosphere of trust with new clients. After you
Texas Property Liens: A Step-by-Step Guide to Filing

If you recently won a lawsuit and the court issued a judgment against your debtor, the judgment affirms your legal right to the money. Collecting the money, however, is a different matter. Filing a li
Understanding Property Tax Delinquency and Foreclosure Risks

Property taxes are due for homeowners every year. Over time, the tax bill itself may change as the assessed value of your home changes, and levies for schools, roads and other public works rise and fa
Florida Residential Lease Length: Can It Be Longer Than One Year?

Florida tenants can enter into verbal or written leases with their landlords. The Florida Statutes Chapter 83 is the Florida Residential Landlord and Tenant Act. Chapter 83 establishes the rights and
Section 8 Tenant Rights: What Are Your Legal Options?

Section 8 housing is federally subsidized rental payment assistance program, created and administered by the U.S. Department of Housing and Urban Development (HUD). The intent of the program is to hel

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home finance

home finance