When a homeowner stops making mortgage payments, the lender has the right to take back house – a process known as foreclosure. Importantly, how the foreclosure happens depends on the laws of the state where the property is located. In some states, lenders must go through the court system for approval to foreclose. This is...
Foreclosure is one of the most stressful legal challenges a homeowner can face. Whether the threat is coming from an aggressive bank or a determined collection company, the process can feel overwhelming. This is especially true if you’re unsure about how foreclosures work or what the laws might be in your state. While every foreclosure...
Going through a non-judicial foreclosure in California can be a complicated—and stressful—experience. The process happens quickly, often without direct court involvement, leaving homeowners unsure about what rights and protections they actually have. What Is a Non-Judicial Foreclosure? A non-judicial foreclosure is a process that allows a mortgage lender to foreclose on a property without having...
The mortgage landscape in the United States experienced a slight shift in the third quarter of 2024, as recently released data from the Mortgage Bankers Association’s (MBA) National Delinquency Survey show a subtle but notable change. According to the MBA’s findings, the delinquency rate for mortgage loans on one- to four-unit residential properties stood at...
If you are facing the possibility of losing your home, it might feel like you are alone. The process can be confusing and frightening. Many people do not know where to turn or what steps to take when they first realize that foreclosure might be on the horizon. One of the most important things...
The recent uptick in home loans entering forbearance is a troubling sign for both homeowners and the broader economy. After several months of increases, the share of mortgages in forbearance now stands at 0.34%, according to the Mortgage Bankers Association (MBA). That translates to roughly 170,000 American households who have hit the pause button on...
The growing demand for green energy solutions has created tension between homeowners and Homeowners Associations (HOAs) across the country. As more homeowners seek to install solar panels and electric vehicle (EV) chargers, they often face restrictions from HOAs that prioritize maintaining uniform community standards. This conflict highlights the challenge of balancing individual property rights with...
The legal field, including foreclosure defense, is undergoing significant transformation with the rise of Artificial Intelligence (AI). While AI is not a replacement for skilled legal professionals, it is becoming a valuable tool that helps lawyers manage the increasing complexities of foreclosure cases. AI is enhancing the efficiency, accuracy, and scope of legal work, enabling...
As Florida foreclosure lawyers, we often hear from homeowners who are surprised and worried when they learn that their Homeowners Association (HOA) might be able to foreclose on their home. It can be scary and confusing to think that the organization meant to help your neighborhood could actually take your house away. Our Florida foreclosure...
Today, we’re going to talk about something that affects many families across the United States, especially here in Florida: foreclosures. As Florida consumer law attorneys, we know this can be a scary topic, but understanding what’s happening can help us all be better prepared. Let’s dive into the foreclosure rates for 2024 and what they...
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