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Robert Rafii, Esq.

Robert Rafii, Esq.
Articles Written 18

Latest Articles

License Requirements for Real Estate

While no license is required to own, invest in, purchase, or sell real estate for yourself in the United States, state laws impose licensing requirements to transact in property for or on behalf of others. Additionally, the capacity and extent to which you represent a third party in a real estate transaction will… Read More

Loan Modification

If you owe more on your property than your property is worth, it is considered “upside down” or “underwater” because the home equity is below the size of the current mortgage. In such a situation, loan modification between a borrower and lender may be used to ease financial pressure on… Read More

Annuities

You can think of annuities as something between a retirement plan and life insurance: you invest some money now in return for getting paid back in the future, presumably when you might otherwise not have a stream of income. This system is designed to protect you from the risk of… Read More

The Escrow Process

An escrow company is a neutral third party that safekeeps funds on behalf of two opposite parties who are transacting with one another, usually in connection with buying a home. The escrow process involves using an escrow company to hold the buyer’s money once the buyer and seller have signed… Read More

Can My Lender Sue Me After a Short Sale?

Homeowners considering a short sale might worry a lender can come after them in court for the loan balance. When a short sale occurs, a property generally sells for less than the original price, resulting in a deficiency balance. This leaves a chunk of missing money between your original loan… Read More

Can My Lender Sue Me After a Short Sale?

Homeowners considering a short sale might worry a lender can come after them in court for the loan balance. When a short sale occurs, a property generally sells for less than the original price, resulting in a deficiency balance. This leaves a chunk of missing money between your original loan… Read More

Trusts

A trust is a legal instrument that allows the creator of the trust, known as a settlor, trustor, or grantor, to safeguard title to property for specific goals or purposes. Generally, the purpose of the trust could be for the mutual benefit of a person and their family, or it could… Read More

House Deeds and Property Deeds

To transfer real property, buyers and sellers use legal documents called deeds to carry out a change in title. A house deed, also known as a property deed, is the primary legal instrument for transferring title (legal right) to real estate from one person to another. Depending on your state,… Read More

Real Property

Real property makes up some of our most valuable assets, including land and homes. Real property is legally handled differently than other types of property because it is generally fixed to a specific location. It is important to understand real property transactions, property law, and how a property lawyer can… Read More

Closing Attorneys

Purchasing real estate is a challenging and complicated process. From the time an offer is placed to the moment escrow is closed, the parties have to engage in the arduous process of reviewing paperwork and conducting a legal review of various contracts. Using a closing attorney can streamline the process… Read More