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Refinancing is usually a good choice for homeowners who maintain high credit scores, qualify for the lowest interest rates, keep sufficient cash on hand and own homes that have retained their value in today’s depressed...more
Loan modification and refinancing sound similar. However, confuse the two loan-restructuring processes and you might be in for an unpleasant surprise.
The institutional debt market for energy projects is fired up, particularly for Term B Loan refinancing....more
The South Carolina Supreme Court recently ruled that lender loan modifications do not constitute the unauthorized practice of law....more
Refinancing your home mortgage can improve your overall financial outlook but can have negative impacts on your credit score. Regardless of whether your decision to modify the terms of your loan stems from a need to free up...more
The legal doctrine of "equitable subrogation" has recently become familiar to lenders who refinanced or will be refinancing existing loans secured by real property....more
Most lenders that service second mortgages or equity lines have received requests to subordinate their loan to a subsequent refinance loan. Many times these requests come years after the refinance loan was closed. Most...more
The CFPB has issued its long-awaited ability to repay/qualified mortgage rule, and at first glance, it appears to warrant cautious optimism for the mortgage industry....more
The recent economic downturn have resulted in many of us tightening our belts. Everyone is looking for ways to reduce their spending. We often overlook the very obvious method (and also substantial) savings through...more
On May 22, 2012, Maryland's Governor O'Malley signed legislation mandating that indemnity mortgages and indemnity deeds of trust will be subject to recordation taxes. Property owners now have just over a month to refinance...more
For businesses in the San Jose area or within California requiring more information, contact the Wade Law Group at (888) 909-9430 or email Amiel Wade directly....more