Mortgage

Thinking about buying a home or refinancing in 2025? Chances are, you’re going to use a digital platform—commonly known as an eMortgage platform—to get the job done. These tools are revolutionizing how people access mortgage loans by offering faster approvals, fewer fees, and a smoother, entirely online experience. But not all platforms are created equal. […]

Easements grant others the right to use a portion of your land for specific purposes, impacting your property rights, value, and future plans. Understanding easements before closing on a home is crucial as they can affect what you can build, your resale value, and even mortgage approvals. Always review title reports and consider a land

Homeowners often make critical mistakes when facing eminent domain, such as not hiring an attorney early or accepting the first offer, which can lead to significant financial losses. Eminent domain law is complex and varies by state, necessitating understanding “just compensation” and adhering to strict deadlines. Property owners should seek independent appraisals, account for all

Before buying property, it’s crucial to check for existing easements on property, which are legal rights allowing others to use your land. Review title reports, surveys, and plat maps. Contact utility companies and the county recorder. Ask the seller about any easements. Easements can impact property use and value, so thorough due diligence is essential.

A chattel mortgage can be a smart financing option for business equipment, offering immediate ownership, tax benefits, and fixed payments. Ideal for small businesses needing essential tools, it uses the equipment itself as collateral. Compared to leasing or business loans, chattel mortgages may provide greater long-term value—especially when paired with GST claims and depreciation. However,

Community Seconds, secondary financing for down payments and closing costs, come in two main types impacting repayment terms of Community Seconds: forgivable and deferred loans. Forgivable loans are repaid only if conditions like a minimum occupancy period (typically 3-10 years) aren’t met, with the loan amount progressively “forgiven.” Deferred loans, on the other hand, require

It’s common for your mortgage to be sold after closing, especially when dealing with correspondent lenders. loan is typically sold after closing by correspondent lenders These lenders originate, underwrite, and fund the loan using their own money, but the loan is typically sold after closing to a larger investor like Fannie Mae or Freddie Mac.

Zoning laws, set by local governments, dictate how land can be used, significantly impacting property rights.  These regulations classify areas for residential,  commercial, or industrial use and impose restrictions on construction, density, and even permitted activities like home-based businesses or short-term rentals. Consequently, a homeowner’s bundle of rights may be limited by zoning laws, affecting

After paying off your mortgage, it’s crucial to verify the lien’s removal from your property title to ensure clear ownership. Your lender should send a “Satisfaction of Mortgage” or “Release of Lien.” If not received within 30-90 days, search your county’s public records or get a title search. If the lien persists, contact your lender,

A Quiet Title Action is a legal process to resolve property ownership disputes and clear defects on a home’s title, ensuring clear ownership. This action becomes necessary in various scenarios, including when a Deed of Reconveyance goes missing, leading to an uncleared lien, or in cases of inherited property, boundary disputes, or errors in public