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RE_Document

Doc Stamps: Do They Have to be Paid?

By Larry E. Bray, P.A. |

When you close on a home, and you look through your closing costs, you may see something called doc stamps. It seems like an unnecessary cost—what are these, and why are you even having to pay for them? Just Another Tax Like so many taxes, doc stamps are just a tax, used by governments… Read More »

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HouseGavel

Understanding the Right to Quiet Enjoyment

By Larry E. Bray, P.A. |

It is generally understood that when we rent property, along with whatever rights are in the rent agreement itself, there is also what is known as a right of quiet enjoyment. Quiet enjoyment is a simple concept, although one that can have differing interpretations, making it something important for property owners, and those who… Read More »

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REContract

Prequalification and Preapproval for Home Loans: What’s the Difference?

By Larry E. Bray, P.A. |

Let’s say you’re trying to sell a house, and your agent or attorney tells you that a potential buyer is prequalified for a loan. Great news—it looks like if you contract you won’t have to worry about the loan contingency! Or is it great news? Does your buyer need to be pre qualified or… Read More »

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HomeLawn

Land, Trees, and Property Boundaries

By Larry E. Bray, P.A. |

When we buy or own property, we are distinctly aware of the boundaries—we know where our property ends and begins, and where our neighbors’ property does the same, and we know what is on our property is ours and the same for our neighbor. But trees and foliage don’t really care about your property… Read More »

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RE_Deed

The Pros and Cons of Hard Money Lenders

By Larry E. Bray, P.A. |

You may have heard of friends or others, who get loans for real estate purchases through what are known as hard money lenders. Many speak positively about the benefits of hard money lending, but before you resort to using them, there are things that you should know about them. What is a Hard Money… Read More »

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RealEstate2

What Does a Title Search on Property Reveal?

By Larry E. Bray, P.A. |

People have contradictory feelings when it comes to title searches, when they’re buying property. Many see them as an extra expense, a nuisance, or another barrier to just buying the property that they want. Until the title search reveals something that the buyer wouldn’t have otherwise known, in which case, the buyer breathes a… Read More »

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EstPlan18

Including (and Leaving Out) Step Children in an Estate Plan

By Larry E. Bray, P.A. |

For many of us, step children are like our flesh and blood; it doesn’t matter what the biology is, our step-children are ours like any other person’s child. But the law doesn’t see it that way, when it comes to inheritances. That’s why, if you have step children, you may have to do some… Read More »

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AdvCarePlanning

Spotting Dementia Early is Important in Estate Planning

By Larry E. Bray, P.A. |

Dementia, and the signs and symptoms of it, play a large and unique role in the world of estate planning. That’s because estate planning is largely about creating legal documents that distribute your property. If you don’t have the mental acuity or competency to do that knowingly, everything you create could get challenged, or… Read More »

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RealEst

How and Why Realtors Get Sued

By Larry E. Bray, P.A. |

Real estate agents and realtors play important roles in the closing process. But, as the saying goes, with power comes responsibility. And sometimes, real estate agents either don’t use that power correctly, or else, upset buyers or sellers will point the finger at real estate agents, leading to lawsuits. Why do real estate agents… Read More »

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CommLease

Make Sure You Understand Your Commercial Lease

By Larry E. Bray, P.A. |

Residential leases tend to be somewhat standard. Although they can differ from lease to lease, Florida statutes do regulate, to some extent, what landlords can and cannot do, and the burdens, duties and obligations of landlord and tenant. But commercial leases aren’t the same thing. Commercial leases are very much the “wild west” of… Read More »

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