Jacksonville Real Estate Attorney
Real estate law deals with a wide variety of legal issues centering on the ownership and use property (which includes all of the buildings on the property). The services we provide includes legal advice on real estate and transactions, the preparation and negotiating of real estate contracts, closings, title searches insurance and numerous other services involved in residential and commercial real estate.
For most people, their primary real estate legal issues involve their home, and in particular the purchase, sale and mortgaging of their property. Sadly, for many people today, their biggest legal concern is the mortgage on their home, or on investment property they may own.
With the economic recession of recent years, many people have lost their jobs, and have not been able to find similar jobs in their field, or jobs which pay the same as the job they lost. Life changing events, like illness or divorce have also impacted many people and their ability to pay their mortgages. The result is that they have fallen behind, or are in danger of falling behind, on their mortgage payments and face the foreclosure of their homes.
In past years, when faced with such problems people would simply sell their home and move to more affordable housing. However, the economic recession has also resulted in an unprecedented drop in real estate values so that for many people the mortgage(s) on their home exceed the value of the home, leaving them unable to sell their homes. This has resulted in the tsunami wave of home foreclosures that has swept America (with Florida being among the hardest hit), which has displaced many families from their homes, disrupted neighborhoods and further held back economic recovery.
Sadly, there are no easy solutions to these issues – but you do have options. The options may result in your saving your home and restructuring your loan, fighting the foreclosure, “short-selling” your home by getting the bank to allow you to sell your home for less than is owed on it, filing bankruptcy to help you save your home, and fighting or negotiating any long-term “deficiency” or other debt that you may be saddled with. It is difficult to fully understand and analyze these options, and even more difficult navigate the issues and requirements involved in trying to solve your issues. This is where we can help you.
Our law firm represents many people having mortgage and foreclosure issues. We work closely with you to help you analyze your circumstances and understand your options, develop a game plan to solve such problems, and then work very hard to obtain the best solution for you. We make no guarantees on the ultimate results, but we do guarantee you straight-forward and knowledgeable legal advice on your situation and our fullest efforts to obtain the best results possible for you and your family.
If would like to discuss your situation, please contact me at Howard@HJSmithLaw.com, or at telephone number 904-886-4400. There is no fee for your initial consultation.