Trying to manage your property can become a problem if a nearby property owner asserts that some of your land is actually theirs, or if another party claims some right to your land. Without clearly defined property lines, you will have a harder time securing your...
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Real Estate Law
Buying vs leasing commercial property
When it comes to securing a commercial space in Ohio, the decision between buying and leasing can significantly impact your business's financial landscape. Each option carries its own set of advantages and considerations. The perks of buying Purchasing a commercial...
Will I get in trouble for receiving gifts for referrals?
RESPA, or the Real Estate Settlement Procedures Act regulates real estate transactions, particularly those involving mortgages and settlement services. Its significance lies in mandating clear disclosures of costs and prohibiting kickbacks or referral fees that could...
Should you get a home inspector?
One of the many joys in life is buying a home. You get the security and comfort of knowing you won’t have to pay monthly rent bills. You can customize your home however you see fit. And, you can pick the community you wish to lay down roots. If this is your first...
2 instances when mortgage refinance does make sense
A mortgage is probably one of the biggest and most important financial obligations you can ever get into during your lifetime. The right mortgage can not only help you own your dream home but also help you realize your financial goals. However, there might come a time...
What is the Real Estate Settlement Procedures Act?
RESPA, the Real Estate Settlement Procedures Act, is a pivotal piece of legislation that has long influenced real estate transactions across the United States. Introduced by Congress in 1974, RESPA's mission is to better ensure that homebuyers and homeowners are...
What is an exit clause in a commercial lease?
When a commercial lease is drafted, it may include a termination agreement or an exit clause. This gives the business owner a chance to break the lease early. However, very specific conditions need to be met in order for them to be allowed to do so. Additionally, it’s...
I’m behind on my mortgage payments. What are my options?
Most homeowners fall behind on their mortgages for a variety of reasons. Perhaps you have lost your job, gone through a costly divorce or are grappling with a medical condition that is severely draining your finances. What is in your control, however, is what you do...
The pros and cons of home loans
Many individuals dream of owning a home. Unfortunately, it’s out of reach for them due to expensive housing costs. Therefore, some prospective homeowners opt for home loans. What are home loans? They’re the types of loans you borrow from a private lender or a bank...
Beware Truth in Lending Act violations
The Truth in Lending Act (TILA) requires lenders to give the borrower information about all the charges associated with a loan. The law is meant to protect consumers from deceptive and unethical loan practices where they bore the brunt of rogue lenders. TILA...