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In 2022 and 2023 so far, Fortune magazine reports, 15 companies have stopped issuing insurance policies to Floridians. Most recently, it was Farmers Insurance, citing “risk exposure.” (Farmers subsidiaries will keep working within the state.) AAA, while not backing out…
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Fall of Florida’s Champlain Towers South Prompts Changes in Condo Loan Rules
Conventional mortgage backers Fannie Mae and Freddie Mac have solidified updated policies for loans to condo buyers. There are a few new requirements now going into effect, to be part of these loan-backing giants’ permanent rules. They’d only been temporary…
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Our Mortgage Loans: How They Became What They Are Today
Those were the days? Before the New Deal in the 1930s, a well-paid working person had to put somewhere around 40% down to buy a home. It would be up to a building and loan association (B&L) to say yes…
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Mortgage Forbearance, Continued: Is Pandemic Assistance Still Available?
In 2020, a federal law called the CARES Act offered support for homeowners and renters coping with the impacts of a pandemic. Millions of homeowners requested and received mortgage forbearance. Most recently, in March 2023, Fannie Mae and Freddie Mac…
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Update on AI in Real Estate: Innovations on Our Radar
Artificial Intelligence (AI) is all about training computers to digest, comprehend, and act upon large amounts of information. A number of use cases for AI have entered the real estate scene. Artificial intelligence is: So, have the machines finally taken…
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Swindlers Beware: Texas Makes Its Move to Head Off “Dirty Deeds”
They call it the dirty deeds law. Recorders of Texas deeds may, as of July 2023, card people who show up to file home deed transfers. Meanwhile, in Arizona, a swindler sold an ill-gotten deed to the Zillow® real estate…
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Digital Closings Are Here, and They’re Evolving Fast
Until recently, getting a mortgage was a paper chase. Suddenly, the industry’s going digital. It’s all part of the wave to remote and hybrid work. And the rules and regulations have adjusted with phenomenal speed. Title companies now view digital…
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Need to Buy a Home in Another State? Your Overall Game Plan, and 4 Key Steps
“When I was a kid my parents moved a lot, but I always found them.” ― Rodney Dangerfield Need to move? You’re not alone. Going interstate? Many people (and their kids) are doing that, too. Of all people on the…
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Second Half of 2023: What’s Next for Home Prices, Property Values, and Mortgage Costs?
We live in interesting times. And this real estate market is doing its part to keep us on our toes. If you hope to successfully sell or buy a home in the months ahead, you’ll need to read the signs.…
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Selling Your Home for a Handsome Profit This Year? Is Capital Gains Tax an Issue?
After the phenomenal real estate market of the past few years, those who’d like to sell could reap significant capital gains over and above what they originally paid for their homes. Those who sell should know how the Internal Revenue…
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AI and Blockchain: Their Blended Impact in Real Estate
Artificial intelligence (AI) and blockchain technology have been converging. Both are transforming the way real estate works. AI is about to change the way we create (and look for) listings. It’ll change the way our brokers and lenders gather and…
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Quitclaim Forgery Is Snatching Florida Homes From Seniors and Dead People
Some people will steal their own mothers’ homes. In a stunning case of deed fraud, a woman named Wanda donned a wig and pretended to be her own elderly mother, then tried to steal her home in Hillsborough County, Florida.…
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Small Mortgages for Modest Homes: Where Are They?
Many renters, facing rising housing costs, feel stuck. They would love to buy a modest home. They’d love a modest loan to go with it. But… Try finding a mortgage to buy a home under $150,000 these days. Where small…
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Insurance Fraud: Homeowners Can Be Victims or Perpetrators
Whether it’s a homeowner’s title insurance policy, or a home/condo owner’s policy, no homeowner wants to be involved with apparent fraud. The potential consequences are serious. Although most criminal and real estate laws are established by the states, insurance fraud…
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“Deed Theft” Is a Crime, Says New York Legislature
On June 24, 2023, New York’s lawmakers passed a bill to create the crime of deed theft and help New Yorkers hold onto their homes. The state’s Attorney General, Letitia James, has been vocal about the need for new legislation…
