Recent Blog Posts
What Will The Bankruptcy Trustee Ask?
Imagine that you’ve made the hard decision to file bankruptcy, to erase your debt and get a fresh start. To determine what chapter of bankruptcy is right for you, please read “What Chapter of Bankruptcy is Right for Me?“. In every bankruptcy case, approximately thirty days after the filing date, the debtor and counsel… Read More »
Freddie Mac Mortgage Exclusionary List
You’ve found yourself on the Federal Home Loan Mortgage Corporation (“Freddie Mac”) Exclusionary List (the “List”), and now Freddie Mac, Fannie Mae (Federal National Mortgage Association), and most other lenders won’t allow you to participate in loans where either party has a Freddie Mac or Fannie Mae program loan. How did you get on… Read More »
Student Loan Debt Consolidation
While we are still keeping a close eye on developments in bankruptcy court and other areas to help our clients eliminate student loan debt, one resolution that may be of tremendous benefit is to consolidate your student loans. One of the best programs we’ve seen is the William D. Ford Direct Loan Consolidation Program…. Read More »
Your Attorney’s Biggest Frustrations
Okay, so these may not necessarily reflect your attorney’s biggest frustrations, but they represent mine. While we are sympathetic, there are some clients or some prospects that we are unable to help, because: Unrealistic Expectations: These are the clients that believe that the practice of law is like an episode of “Law & Order.”… Read More »
How To Read A Title Insurance Commitment
Title Insurance is like any other type of insurance. It is a policy that protects the ownership interest of the buyer (and lien interest of the lender) for anything that happened to or upon the property prior to the closing date. Title Insurance is also often misunderstood and under-appreciated by the buyer. The purpose… Read More »
How To Convey Title: Warranty, Special Warranty Or Quit-Claim?
There are three different forms of deed that can be used to convey title to real estate in Florida: Warranty Deeds, Special Warranty Deeds and Quit-Claim Deeds. Florida Statute 689.01 requires that conveyances of property be by written instrument, signed before two witnesses and a notary public. While Florida Statutes provide a specific form… Read More »
Can I Get A Mortgage Loan Modification Without Providing Documents?
The simple answer is “no, you are unable to get a mortgage loan modification without providing documentation.” People who refuse to provide documents to the bank fall into one of three categories:(1) unable to provide documents because the documents do not exist – these are people who keep poor records, (2) unable to provide… Read More »
What Is Mortgage Priority In Florida?
We had a great question about mortgage and lien priority come in from one of the Yesner Law Podcast listeners: “I bought property at a foreclosure auction. The foreclosure was filed by the second mortgage and the first mortgage was never notified or included as a defendant. Now the first mortgage is about to… Read More »
What Option Is Better: Loan Modification Or Chapter 13?
We recently posted a blog describing options for when the homeowner having mortgage problems wants to sell the property, but what about the homeowner who wants to keep the property? Those homeowners have options too! The best options for a homeowner who wants to keep the house are to reinstate the loan, refinance the… Read More »
What Option Is Best: Short Sale, Deed In Lieu Or Foreclosure?
When facing a mortgage foreclosure, or even the possibility of a mortgage foreclosure, borrowers should ask: “What options are best for me and my family?” At Yesner Law, we will take time to explore these options for free with a concerned homeowner, whether they are in foreclosure, on the path to foreclosure, or see… Read More »
