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Protecting the Title to Your Property

Property is typically a big investment, and new property owners want to protect the money that they invest in their property. One of the fundamental things that property owners want to protect is their ownership rights. Accordingly, it is important to have a title search conducted on the property and to purchase title insurance in case anything was missed during the title search or an unrecorded document. Property law is state-specific and can vary by city or county. The best way to protect your property is to talk to a real estate attorney in your area, who can give you specific […]

Is a Short Sale Right for Me?

A short sale is the sale of a property when the amount on the outstanding mortgage is more than the sale price. If you are wondering if a short sale of property is the right choice for you, it is a highly individualized situation. However, there are some circumstances and factors that commonly apply to sellers of short sale properties. Any property transaction can involve state tax and real estate laws. Real estate laws are different in every state so it is important to talk to a local real estate lawyer for legal advice for your individual situation. What Is a Short […]

Risks With Buying a House at a Foreclosure Auction

After a foreclosure, the house may become available for purchase through an auction. Most often foreclosure auctions are held at a courthouse and prospective buyers are not allowed into the house before making an offer. Additionally, the houses available at auction are generally only advertised for a week before the auction. As with any auction, you are bidding against other people, so the price of the house depends on who else is bidding. Real estate and consumer protection laws vary by state. You should consider talking to an experienced real estate lawyer in your state to get legal advice for your situation. […]

SSDI vs. SSI: Difference Between Social Security Disability Insurance & Supplemental Security Income

Most people only think about Social Security for retirement. But many people rely on the system for other benefits. The Social Security Administration (SSA) administers two key disability benefits: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Both SSDI and SSI are federal benefits intended to protect workers who are unable to work because of a physical or mental disability. However, each has different eligibility requirements. For more information about qualifying for SSDI and SSI benefits, talk to a Social Security disability lawyer. Social Security Disability Insurance (SSDI) Social Security Disability Insurance (SSDI) is a federal program funded […]

Can You Get Disability Benefits for Mental Illness?

One in five adults in the U.S. lives with a mental illness. Some people with a mental illness may have a difficult working or earning a living. If you have a qualifying disability related to a mental illness, you may qualify for Social Security disability benefits. If you are eligible for disability insurance, make sure you’re getting the benefits you deserve. If you have questions about disability benefits, contact a Social Security disability lawyer. What Are the Eligibility Requirements for Social Security Disability? When you work for a living, you pay into the Social Security system through your payroll taxes. This […]

Private Equity

Many investors seek out investment alternatives to traditional stocks and bonds. Investing in non-publicly traded companies can be risky. But it may offer higher profits. Private equity investments offer an alternative to the stock market. However, private equity funds are still regulated by federal securities law. Before investing in or getting involved with a private equity fund, make sure you understand the risks and security regulations. Talk to an experienced private equity lawyer for legal advice about private equity investment activities. What Is Private Equity? Private equity is an alternative investment strategy for investors to diversify from traditional stocks and […]

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 determine whether you need a salesperson license (also known as a realtor license), a broker license, or a law license. Before determining what type of license is necessary, it is helpful to understand the general distinctions between a law license (awarded by a state bar association), a real estate salesperson license, and a real estate […]

A Guide To Investing With Disability Income

Plenty of websites and TV shows have great advice for how to invest, what stocks are booming, and how to play the market. Unfortunately, investment advice is often aimed at people with steady and disposable income. Investing is important for your future. It can help provide for you and your family. This can be difficult for people living on a fixed income, such as those with Social Security Disability Insurance (SSDI). Disability shouldn’t prevent you from being able to invest in your future. Contact a Social Security disability lawyer to learn about investing and keeping your benefits. Can You Invest […]

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 and the money the short sale received. For example, if your home loan is $250,000 but the home sells for $200,000 in a short sale, your original loan would have a $50,000 loan balance left. A lender obviously wants their full money back because their business relies on lending money […]

Escalation Clauses

In real estate, an escalation clause allows home buyers to automatically increase their offers to purchase a property facing a competing bid. Because real estate law varies from state to state and thus gets tricky quickly, it is best to consult a qualified real estate attorney, who can help you draft your escalation clause properly when buying a home. What Is an Escalation Clause? Also known as an escalator clause, an escalation addendum to the purchase agreement allows the buyer to set increments (i.e., the escalation amount) by which the buyer’s initial offer is supplemented when the need arises. Here, a price cap (the maximum price) is also included with the […]