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Questions Answered by Vincent Gallo
1 Answer | Asked in Divorce, Estate Planning, Real Estate Law and Banking for Pennsylvania on
Q: My husband and I are in the divorce process. I just found out he refinanced the house w/o my knowledge. Is this legal?

My husband (soon ex) and I built a house together 3 years ago. Due to criminal charges and domestic he was evicted from the home and I live here with our children. We are both on the deed as well as his father (who helped us) but I am not on the home loan, just my husband and his father. I just got... Read more »

Vincent Gallo
Vincent Gallo answered on Aug 1, 2020

If he signed mortgage documents without you joining in, you are unaffected by the new mortgage documents.

2 Answers | Asked in Real Estate Law for California on
Q: Adding A Name To Home Title

Adding A Name To Home Title

Hello everybody, this is my first post and I hope you are all doing well. My husband and I bought a home a few months ago in Monterey, CA. it was under a LLC. The day when the escrow papers were signed, including the title, I was traveling for business so I... Read more »

Vincent Gallo
Vincent Gallo answered on Jul 29, 2020

You can legally do it yourself and save the cost of the Attorney fee if you are confident that you know how to do it yourself.

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1 Answer | Asked in Real Estate Law on
Q: Hi, I bought a house in 2015, this house is built in 2003. My neighbour Claiming 2ft space on my driveway . Can he ?

Hi, I bought a house in 2015, this house is built in 2003. My neighbour Claiming 2ft space on my driveway . We never changed the boundary , but now after 5 years he is claiming 2ft on my driveway. Can I go to the court ?

Vincent Gallo
Vincent Gallo answered on Jul 26, 2020

Square it up with your survey, and independently, file a claim under your title insurance policy if you believe you have grounds.

1 Answer | Asked in Real Estate Law for Pennsylvania on
Q: Do I have to escrow taxes and insurance when buying a home and using a mortgage company? can i just pay my own?

Home is $185,000, appraised at $200,000. I am putting 5% down on a conventional loan.

Vincent Gallo
Vincent Gallo answered on Jul 23, 2020

That would typically be up to the lender to decide.

1 Answer | Asked in Contracts and Real Estate Law for Pennsylvania on
Q: Sold my home to oldest son for what I owed on it. Verbal agreement I could live there until I died.

As soon as the sale was finalized I was forced out by verbal abuse escalating to physical abuse. Do I have any legal recourse for the rest of the price of the house?

Vincent Gallo
Vincent Gallo answered on Jul 23, 2020

Responding from a New York perspective, verbal agreements usually bear very little weight.

1 Answer | Asked in Real Estate Law for North Carolina on
Q: Buying new construction and the quote included $3k discount. Week later they took it away before signing. Any recourse?

The discount was included in two different quotes but nothing was signed because I was waiting for a specific lot to become available.

Vincent Gallo
Vincent Gallo answered on Jul 18, 2020

If you feel as if they are playing you before you sign the contract then this may be a perfectly good reason to not sign the contract.

1 Answer | Asked in Real Estate Law for Oklahoma on
Q: In OK, we close on a home Friday. I just lost my job. Can we back out without getting sued or losing escrow deposit?

In Oklahoma, we close on a home purchase this Friday. Financing is approved but I just lost my job yesterday afternoon. Can we back out of the purchase without getting sued for 5% of the home value or losing escrow deposit?

Vincent Gallo
Vincent Gallo answered on Jul 9, 2020

That will depend upon how your contract so reads.

2 Answers | Asked in Consumer Law and Real Estate Law for Ohio on
Q: Who is the best person to talk to about consumer fraud? I suspect me and my husband are victims of consumer fraud.

My husband and I purchased the cabin. There was a verbal agreement that the seller would help us find a mover. I told him we would need help with getting a mover the first time I spoke to him. He said yes he would. Then when we proposed an offer and before he went in to the house to talk with... Read more »

Vincent Gallo
Vincent Gallo answered on Jun 30, 2020

The District Attorney.

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2 Answers | Asked in Real Estate Law for Kansas on
Q: Two days before closing the seller says she won't sell to us unless we pay her 500 dollars aside. Can she do that?

She wants us to pay 500 dollars of her closing on her new house. I feel like she is holding the house hostage and we have to pay ransom to own it. We have done everything in good faith and have waited 4 months and had closing delayed 3 times. Our real estate agent is pushing us to pay the 500.00

Vincent Gallo
Vincent Gallo answered on Jun 25, 2020

The contract controls your rights and obligations. Perhaps the broker should offer to pay it?

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2 Answers | Asked in Real Estate Law and Tax Law for California on
Q: I sold my house back in April 2020 and now the title company is calling me saying I had a supplemental tax from 2015.

The house is not in my name anymore do I have to pay this tax and if so should the owner title insurance cover this. Also If I don't pay it what can they do?

Vincent Gallo
Vincent Gallo answered on Jun 24, 2020

They may end up paying it, but they will likely chase you for reimbursement if it proves to be your obligation that was due.

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3 Answers | Asked in Business Law, Contracts and Real Estate Law for New York on
Q: how to get my deposit back when the contract expired?

This is a contingency contract depended on we sell the property located in FL. Because this pandemic happened, we didn't sell a property located in FL. So we don't have money to purchase the Property located in Steuben county, NY. The seller refuses to return our deposit ($10K).

Vincent Gallo
Vincent Gallo answered on Jun 22, 2020

Start the lawsuit immediately.

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2 Answers | Asked in Real Estate Law for Florida on
Q: How can I find out if the home my sibling and I inherited is "joint tenancy" or "tenants in common".

My sibling and I inherited a home and I am trying to figure out what kind of tenancy we have. I have the general warranty deed but the is no indication or say anything that refers to my inquiry. I called the Register of Deeds department and surprisingly they could not provide any information as I... Read more »

Vincent Gallo
Vincent Gallo answered on Jun 22, 2020

Go in person to the county recorder’s office, retrieve a copy of the recorded deal and take it to a local real estate attorney for his or her professional opinion.

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1 Answer | Asked in Real Estate Law for California on
Q: How can I add my wife's name to the title on our home?

The home is in my name. No mortgage payments, but there is a reverse mortgage. She was to young to be on the title when the reverse mortgage was negotiated, but is over 63 now, and I want her to be included. She signed all the paperwork at the beginning.

I just need someone to file the... Read more »

Vincent Gallo
Vincent Gallo answered on Jun 21, 2020

You should check with your mortgage company to see if you need their approval first.

1 Answer | Asked in Contracts and Real Estate Law for Arizona on
Q: I hold the mortgage on a home I sold What happens when I die? Will my heir (son) then get the payments?

Is there something that needs to be recorded for this to happen?

Vincent Gallo
Vincent Gallo answered on Jun 20, 2020

Your estate will be entitled to the payments until your executor directs otherwise.

1 Answer | Asked in Land Use & Zoning and Real Estate Law for Arkansas on
Q: My grandma passed away in 2018 she owned a house and my dad passed away in 2016 so would that mean the house is left to

Me or would it be left to my dads sister cause she’s telling me I need to sign papers so she can sell it this is in the state of Arkansas please help I need to know what I can do and what my options are

Vincent Gallo
Vincent Gallo answered on Jun 20, 2020

Your grandmother’s will shall determines who inherits the real estate.

2 Answers | Asked in Real Estate Law for California on
Q: We signed an agreement to buy a house. Now we find it needs $30000. in repairs. Do we still have to buy?

The foundation and brick fireplace need repair.

Vincent Gallo
Vincent Gallo answered on Jun 20, 2020

You would need to examine the contract to see what it specifically provides.

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2 Answers | Asked in Land Use & Zoning and Real Estate Law for Oregon on
Q: How do i get property in my name with the title owner deceased
Vincent Gallo
Vincent Gallo answered on Jun 14, 2020

You would need to prove your entitlement to the real estate.

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1 Answer | Asked in Real Estate Law for Indiana on
Q: I am in the middle of a purchase of a home. I have buyers remorse. No other offers were available. Can I back out?

No other offers on the table, no money spent to prepare house, we have signed all documents leading up to purchase but signed 2 weeks prior but have 2.5 weeks until closing. My wife lost bonuses from her job due to Covid-19. Can I back out if I pay for all closing expenses occurred to this point... Read more »

Vincent Gallo
Vincent Gallo answered on Jun 7, 2020

You’re right and your obligations should be defined in the contract that you signed. If, however, you strike a deal with your seller which is amenable to both sides, anything is negotiable.

2 Answers | Asked in Real Estate Law for Colorado on
Q: Under contract for a home and builder isn’t following through timeline. We pay $638 every 7 days to extend our lock.

It’s a builder contract so wondering what power we have in the situation. If we can get any compensation from the builder to offset unexpected costs?

March 24 - Contract Date, we were informed that the build was estimated for completion on April 22.

May 8 - extension of Review... Read more »

Vincent Gallo
Vincent Gallo answered on Jun 4, 2020

Responding from a New York perspective, mortgage rates are plummeting so you may want to consider letting your lock in expire and request a market rate which should be lower.

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3 Answers | Asked in Contracts and Real Estate Law for New York on
Q: We are doing a private home sale in New York. Can we ask the buyer to provide mortgage down payment information?
Vincent Gallo
Vincent Gallo answered on May 30, 2020

Of course, you’re entitled to know if they can really afford to purchase your house.

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