What Are the Limits of HOA’s Authority Over Home Modifications?
HOAs have rules about changing your home, but these rules must follow state and federal laws, as well as court rulings. While HOAs can control outside changes to homes through their rules to keep neighborhood values high, they can’t make unfair rules or treat some homeowners differently than others. Homeowners have the right to make […]
What Are the Legal Remedies for Pest Problems From Neighboring Properties?
Legal solutions for pest problems coming from next door follow step-by-step options. Start by taking pictures, keeping notes, and getting reports from pest control experts. Try talking nicely with your neighbors first and write down what was said. If the problem keeps going, you can report it to local officials who handle building rules or […]
What Are the Key Differences Between Triple Net and Gross Leases?
In a triple net (NNN) lease, tenants pay their base rent plus three extra costs: property taxes, insurance, and building upkeep. A gross lease is simpler – tenants make one set monthly payment that covers everything, and the landlord handles all other costs. With NNN leases, tenants have more say in building matters but their […]
What Are Common Title Issues in Residential Sales?
Title problems in home sales often include unpaid debts on the property, fights over where property lines are, mistakes in official records, and claims from unknown family members who might own part of the property. These problems can come up when paperwork is done wrong, when property is sold illegally, or when someone’s ownership rights […]
What Are Common Commercial Real Estate Investment Risks?
Commercial real estate investing comes with several big risks that can hurt your returns. Changes in the market and uncertain economic times can lower property values and reduce rent income. When people move away or businesses relocate, buildings can sit empty for 6-18 months. Problems like mold or asbestos can make insurance cost up to […]
Understanding the California Homeowner Bill of Rights: Your Key to Stopping Foreclosure
The California Homeowner Bill of Rights (HBOR) helps protect homeowners who might lose their homes. The law makes banks give each homeowner one main person to talk to, stops banks from moving forward with home taking while looking at loan changes, and requires banks to send clear written warnings before taking a home. If banks […]
Top Mistakes Homeowners Make When Facing Foreclosure—and How to Avoid Them
When homeowners risk losing their homes, they often make key mistakes that make things worse. Many ignore early signs of trouble and stop talking to their lenders. Some don’t ask experts for help or look into ways to change their loans to keep their homes. Taking money from retirement savings and making small payments without […]
Resurrected Debt: How to Handle Zombie Loans After Foreclosure in California
After losing their homes in California, homeowners can still face leftover debt claims, but the law helps protect them. These safeguards work best for people who lived in their homes and took out the original loan to buy the property. To stay safe, homeowners should keep records of every talk with debt collectors, ask for […]
Non-Judicial Foreclosure in California: How to Protect Your Rights as a Homeowner
When a California homeowner falls behind on payments, lenders start non-judicial foreclosure by sending a Notice of Default. This gives owners 90 days to catch up on missed payments. After that, the lender can send a Notice of Sale. Homeowners can protect themselves by asking for a loan change review or pointing out if the […]
How to Verify Your Lender’s Credentials?
To check if a lender is trustworthy, start by looking them up in state and federal databases using the Nationwide Multistate Licensing System (NMLS). Look at their Better Business Bureau score and check if they belong to any banking or lending groups. Read what other customers say about them on different review sites. Make sure […]
