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Category Archives: Real Estate (Commercial And Residential)

House1

Understanding Insurance Requirements For Your Mortgage

By Larry E. Bray, P.A. |

If you buy a home with a mortgage, there is a good chance that the mortgage company will require that you get homeowners insurance. Because buying a home is the largest purchase most people will ever make in their lifetimes, it is probably a good idea to get insurance whether the mortgage company requires… Read More »

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Scam

Be Careful With These Common Real Estate Scams

By Larry E. Bray, P.A. |

If there’s anything of value in the world, there’s bound to be people trying to steal it. The same holds true with real estate. Yes, real estate scams are quite common in Florida. Here are some of the more common ones, so you can be on the alert and know what to look for…. Read More »

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RElaw

Supreme Court Will Weigh In On How Much Of Your Property Government Can Take

By Larry E. Bray, P.A. |

It isn’t often that the United States Supreme Court weighs in on issues that affect real estate, but that’s exactly what is expected to happen in the upcoming months. Although the case is from Minnesota, because there are constitutional issues, the case may have an effect on real estate issues everywhere. Constitutional Taking? The… Read More »

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FurnishedRoom

Considerations When Selling Your Home Furnished

By Larry E. Bray, P.A. |

If you are selling property, you may want to keep everything in it and bring it with you. But you don’t have to do that. You can also sell the furnishings with the home. There are pros and cons to this strategy, and some things to consider when you make that choice. Why Sell… Read More »

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BalloonMortgage

Who Should Use Balloon Payments?

By Larry E. Bray, P.A. |

Because of the housing crash of the mid 2000s, most residential home loans are quite conservative and straightforward. But every now and then there are still nontraditional loans, and one type that is somewhat popular is the balloon payment loan. While a balloon payment loan can be tempting, you should know in advance what… Read More »

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QuestionMarks

What Is Escrow And How Is It Used After A Real Estate Closing Is Over?

By Larry E. Bray, P.A. |

At your real estate closing, or before it, you may hear your attorney talk about the possibility of holding money in escrow, after the closing is over. But what does that mean, and why would any money need to be held in escrow? Money Held for Contingencies In simplest terms, money is held in… Read More »

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RE_Law

Things To Know About Seller Financed Loans

By Larry E. Bray, P.A. |

Many people see getting financing from a traditional bank or lender, to be difficult, arduous, time consuming, and too dependent on credit. And many sellers may not like it either—sellers know that their closing is conditioned on the buyer getting the financing from the lender, as a contingency to the closing. Seller Financed Loans… Read More »

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Lit2

What Is A Covenant That Runs With The Land?

By Larry E. Bray, P.A. |

You don’t have to be an attorney to know that to be bound by a contract (real estate or otherwise), you need to have signed that contract. Something that two people sign or agree to, can’t bind you, if you weren’t a part of that agreement. But there’s an exception to that when it… Read More »

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RealEstate2

Know The Difference Between Adjustable And Fixed Rate Mortgages

By Larry E. Bray, P.A. |

In the news nowadays, there are reports of interest rates going up, and potentially getting higher in the future. If you are a future homeowner, this should be of concern; the higher the interest rates are, the less money you will be able to afford to borrow. You may not be aware that there… Read More »

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REAgents

What To Do When You’re Facing Deadlines In Your Real Estate Contract

By Larry E. Bray, P.A. |

If you take a look at your real estate contract, you will notice that a number of deadlines need to be met, before closing can happen. There are deadlines for surveys, for inspections, for loan approvals, for notices, and for a handful of other events. But what happens when a deadline can’t be complied… Read More »

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