HOEPA and Truth in Lending Laws

Mortgage loan paperwork can be more than confusing. Even the most fastidious among us may misunderstand or miss an important loan term. There is APR to consider, possible balloon payments, regular payments owed, maximum payments allowed, variable rates, and the list goes on. These details must be legally disclosed in documentation three days prior to […]

Mortgage Loan Services: Pre-approval and pre-qualification

Pre-approval and pre-qualification: Two real estate terms that are often used interchangeably but have a distinction that could cost you your perfect home. First and foremost, a bank will not provide a loan until you are pre-approved. Many people think they are pre-approved for a loan after a pre-qualification session with a mortgage professional, however, […]

The Home Mortgage Lending Process

If you are thinking about buying a home and wondering what procuring a mortgage loan entails, this article is for you. Like any legal or fiscal process, it’s always good to know what to expect so you are armed with the right documentation, information and questions ahead of time. Step One: Preparation Gather all documents […]

Bankruptcy in California: Chapter 7 and Chapter 13

If you find yourself wondering if bankruptcy is right for you, contact an attorney who focuses on bankruptcy law in California. Filing for bankruptcy is not as straightforward as you may think, and there are several factors of your financial profile that will dictate the path you should take. To begin, you can file under […]

New Legislation in California: Homeowners Rights

This week marked a big legislative win for California homeowners. We’re celebrating it, and we’re here to help consumers understand its implications. Most importantly, the new California Homeowner Bill of Rights increases bank transparency and accountability, recalibrating the locus of control relating to foreclosures. In the past, Californians who contacted their banks were passed from […]

Facebook and Real Estate

Facebook’s recent IPO may be one of the best case studies of real estate market dynamics and seller psychology that we’ve seen in a long time. It was hard to miss the anticipation, media hype, and fanfare that preceded the event. Wall Street, journalists and investors alike made countless predictions about the fate of the […]


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