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The initial wave of national lockdowns that began more than six months ago kicked off an extended period of unease for millions of homeowners. The effects of the COVID-19 pandemic have still not been fully realized, and as a result, several agencies responsible for federally-backed […]
A predatory loan is a deceptive tactic in which a lender takes advantage of a borrower. Companies will target those facing financial difficulties with unrealistic terms that they know the consumers will be unable to afford, such as mortgages. It is estimated that $9.1 billion […]
The timeline for a foreclosure in Miami can be complicated when a homeowner has never been informed of the process. Most homeowners in Miami sign a promissory note and receive a mortgage when buying their new property. This note states that the borrower will pay […]
The term loan modification is often surrounded by misinformation. The lack of a clear understanding about the modification process can prevent homeowners from taking the necessary steps to save their home. Our loan modification attorneys have provided some clarity to common myths. Myth #1: The […]
The answer to the question above is yes. Landlords are legally allowed to rent out pre-foreclosure properties. They can continue to rent out their house to their current tenants and they can bring in new tenants as well. However, foreclosure brings with it unique stipulations […]
A recent report by the Department of Housing and Urban Development Office of Inspector General (HUD) uncovered unnecessary delays in foreclosure and conveyance on the part of mortgage services. These delays have proved costly for the Federal Housing Administration (FHA). To be more specific, HUD found […]
A will is a legal document by which a person is able to express how he/she wishes to distribute his or her property after death, and also designate the names of those who will own the estate. If you don’t have a will in place, […]
For many people at risk of foreclosure, the last chance at saving the home is to get a loan modification. A loan modification is basically the restructuring of the terms of a mortgage loan. This restructuring allows for monthly payments to be adjusted to fit […]
One of the biggest complaints we hear from clients, is that the mortgage loan bank is harassing them incessantly. At Graham Legal, we take action to stop the harassing phone calls and letters from the bank. The fact is, that once the debtor hires legal […]
Many people choose to meet with a foreclosure attorney either after they have defaulted on the mortgage or when they become aware that they will not be able to afford mortgage payments. Meeting with a foreclosure lawyer is beneficial for both gaining guidance and becoming […]
