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What kind of lawyer handles property disputes? Well, that’s difficult to give you a specific category. You probably just need to call to particular lawyers and ask them if they handle property disputes and see if they do that. A lot of general practitioners, who do litigation can handle a property dispute. You can also, uh, contact board certified real estate attorneys and ask if they would handle a property dispute. Some of those board certified real estate lawyers do litigation and others do not. So, it’s very difficult to give you a particular category or person to contact, I suggest that you may be start with the board certified real estate lawyers and call and ask if they handle a dispute and sorta tell whoever answers the phone, what the dispute is to see if that’s in their area of expertise, because not all real estate lawyers litigate. If you have any questions about a property dispute, I’ll give me a call at (727) 847-2288.

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With a neighbor’s problematic uses of the property that’s next door to you? Well, that’s a real problem, but about the only solution, which is not a very good one is to contact the County or municipality where you live. And if there’s any code violations, ask the County to come out and investigate the situation and see about having the neighbor sided and hopefully correct the problem. If it is a continuing problem that rises to a nuisance, which is a legal term, you can contact an attorney who could fall on the action for nuisance and see about having the court, enjoined them from this particular use of the property. Usually a nuisance action is cost so much that it’s only use used whenever there’s commercial property involved,  because of the attorney fees involved. So, if you have any questions, give me a call at (727) 847-2288.

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May a lender perform an interior inspection of the property if they have concerns about the property condition? The answer to that is no, they can not. Unless the loan is in default, the mortgages don’t allow them to do an interior inspection due to the condition. They only have a right to, they can do a drive by, there is an exception. However, in the residential mortgages, in the event, the property is vacant. They have a right to conserve the property and scene and whenever there’s a foreclosure and the property is vacant, they send contractors out that, hang a notice on the door, that where they’ve gone and secured the property and they’ll enter the interior of the house. There’s been certain abuses of that, when it’s in foreclosure, it’s a tough situation. If they have abused that privilege, if you’re occupying the home or occupying the property, then they’re not going to be able to enter the property while you’re there. So they don’t have a right to do the interior inspection on residential property. If it’s a commercial loan there, you might have look at the terms of the mortgage, but generally if the mortgage is current, they don’t have a right to come in and inspect the interior of the unit. So, if you have any questions about this, give me a call at (727) 847-2288.

 

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How does the lender determine the eligibility of a borrower for a loan modification? Well, they usually require you fill out a financial statement and particularly as showing what your income is,  the members of your household, the household income and what your expenses are. If you have a regular job and you have pay stubs, and then that goes a long ways for them to evaluate whether or not they will give you a loan modifications. Many times you see where they’ll have a trial period. And I don’t represent lenders. So, that’s the best I can do on telling you on what they look at or what the documentation they’ve requested of my clients. Whenever I’m attempting to get a loan modification for a borrower who happens to be in foreclosure. So there may be a, a modification, although I haven’t seen many where your current and you just want to modify your loan, that would be something you submit financial information to, or if the loan has been paid down. So if you have any questions about a loan modification, give me a call at (727) 847-2288.

 

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How many loan modifications may a borrower receive? The short answer to that is, as many as the lender is willing to give to the borrower and these days and times  with COVID, the lenders are probably more inclined to work with the borrowers in order to modify the loan, to keep them in their houses or various loan programs with FHA BA or loans that are government backed as far as programs. You need to of course have the ability to pay whatever the reduced modified payments would be. But, there’s no limit on the number of loan modifications. It’s strictly within the discretion of the lender as to how many times they’re willing to work with the borrower and modify the loan. So, if you have any questions about the loan modification, well give me a call at (727) 847-2288.