My father (%100 disabled vet) had a loan with Freedom Mortgage , they erroneously charged him real estate taxes, %4.0 rate %1.3 origination fee , closing fee , multiple other fees he was exempt from and knew this was a VA loan and was exempt . First month till his death 15 months later claimed... View More 
The inspection turned up a variety of issues with the home. However, none of these issues are safety concerns. For example, even though the roof needs to be replaced in the next year or two, there are no immediate safety concerns. Under Maryland law, am I able to negotiate over minor issues or just... View More
answered on Apr 1, 2024
Do you have an agent? This is part of your contract, in the Property Inspection Addendum (I am also a broker). The addendum includes a tight schedule of notices and requests. Anything in the report is fair game.
answered on Apr 1, 2024
As a technical matter, yes. As a practical matter, why? The purpose of the Estate is to wind up, liquidate and distribute the assets of the decedent. It is not the business of the Estate to acquire assets. The PR will be closely scrutinized for this, and whether it is violative of their statutory... View More
There is still some mortgage left. Mom is willing to do this. How do I go about it with least financial consequences?
answered on Mar 31, 2024
The answer with the least legal expense is to sell or gift your mother's half of the house to your wife. There will be transfer taxes, it may be a recognition event as to capital gains, and you will need to refinance. The alternative is to review the mortgage and find out if it has a due on... View More
answered on Mar 20, 2024
Yes, but before you do so, make sure that the disclaimer achieves the results you want it to achieve. A disclaimer by law is treated as if the person disclaiming died before the decedent. If the Will directs that a deceased heir’s share be distributed “per stripes”, or by some other method,... View More
Are there any Additional License or Certification?
answered on Mar 2, 2024
I'd want to check your licensor and your business plan before rendering any opinion, but property management is one of the things real estate brokers are licensed to do. You don't say you are a broker, however, so you may merely be licensed as a sales person, that is, to be an agent for a... View More
My husband and his father are on the deed to his father's house. His father died but the will says that all 3 kids get the estate. So that would mean all 3 kids would be on the deed when he passes. Since my husband was originally on the deed before he died, does that mean it's officially... View More
answered on Mar 2, 2024
It all depends on how the deed was written. If the deed gave the co-owners survivorship rights, the surviving owner would own it all regardless of what the Will said (because there would be no interest to pass through the Will as it would have automatically gone to the survivor). However, if the... View More
answered on Feb 20, 2024
Possibly! It truly depends on your situation. There are plenty of free and low-cost legal resources around the Maryland area. I first suggest that you consider reaching out to Maryland Legal Aid. Additionally, the Maryland Court system has catalogued several free and low-cost legal services on... View More
What type of penalties might I face or right to back out at this point in the process?
answered on Feb 17, 2024
The obvious one is forfeiture of your earnest money deposit (EMD). It is possible you would be sued to specifically enforce the contract and force you to buy it, but that is a long expensive suit that will tie up the sale until it’s over and the seller would prefer to just sell their home—so... View More
is 473,300. How much would the estate tax be? I live in Md
answered on Feb 13, 2024
Maryland has several different "death taxes" and it really isn't possible to define the taxes without knowing the full context. If an attorney is assisting with the estate they should be able to discuss these in depth based on the specifics of your situation. However, generally... View More
I’m foreign,no ssn or Itin number .
After 4 years of marriage we should starting my adjustment of status in march and my family is sending money for pay the lawyer fees and help with a deposit for buy a house for me and my family.
The lender is saying my name can be only after the... View More
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answered on Feb 1, 2024
In your situation, it's essential to take steps to ensure that the deposit made for the purchase of the home is eventually recognized as your part of the investment, especially considering your immigration status and the joint bank account with your husband.
To establish a clear record... View More
I would like to know if they had to have sent a correction notice. How can I get proof of what they saw or they think was the infractions and if what they listed as infractions are infractions or are ok.
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answered on Jan 18, 2024
If you have received citations from Prince George's DPIE (Department of Permitting, Inspections, and Enforcement) for infractions related to your property, it is crucial to review the local regulations and follow the proper procedures. Typically, jurisdictions have specific protocols for... View More
Home in hyattsville.
answered on Jan 10, 2024
It’s not a majority vote issue. If any owner wants to sell, they can petition for sake in lieu of partition. The attorney fees will be reimbursed from the sale. The only defenses are that the property can be partitioned or the tenant in residence gets the notice given to tenants. Get counsel.
Can PMI removal be denied for paying your mortgage down faster than the standard schedule? I'm at 76% LTV of my original loan amount, but 3 years before the standard schedule says I should be. Is there anyway around that without paying for a BPO?
answered on Dec 20, 2023
The Consumer Financial Protection Bureau (a federal agency) has a wealth of information relative to this exact topic of removing PMI which can be accessed at the following site:
https://www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en-202/... View More
I need answers on how an HOA can raise more than 10% a year? The association os grossly ripping us off. When asked to see their books as a Home Owner intitled to what I asked. I was turned down and that is not legal. Can you help?
answered on Dec 15, 2023
You’re not going to want to pay a lawyer’s hourly rates if you don’t want to pay $50 more per month or whatever the increase is. Maybe if you gathered a group of homeowners to share the legal fees, all being represented by the lawyer, that would be a way to make it affordable.
But... View More
Wicomico County,Md/ Also we will have a portta potty/ as well as trying to get a water reuse permit. We also will be using owner finance.
answered on Dec 8, 2023
You are confusing two concepts. You might be physically able to occupy the premises, but perhaps not without governmental response. Without septic the property will not have a Use & Occupancy Certificate. The property will not pass any septic inspection called for in the real estate contract,... View More
Two sisters inherited a house, one is the executor of the will. They both wish to sell the house but the executor payed the mortgage for the last two months out of pocket instead of out of the estate funds. She now wants reimbursed saying there were no estate funds only the bequeathments as set by... View More
answered on Dec 5, 2023
Yes. The sister can petition the court to remove the Personal Representative, who is not doing the job properly. There is no reason to pay a mortgage if the estate is insolvent. It just means the house must be sold. The bank will get all its money at settlement, if the price is high enough. The... View More
Two sisters inherited a house with a mortgage now one sister wants the other sister to quit claim deed the house. Said sister is also the executor of the estate and is forcing my wife to either pay half the mortgage or quit claim on said house
answered on Dec 5, 2023
"inheritance" doesn't mean the bank loan is forgiven. It must be either paid off from Estate funds, or refinanced by the person inheriting the property. A "quitclaim" deed (one without the usual warranties of title) means the mortgage lien/loan obligations of the dead... View More
I want to get out and he tried an assumption and did not get it. Is my only option a lieu in partition? What does that inquire?
answered on Dec 1, 2023
Your other options are for your ex boyfriend to refinance the house in his name alone and to buy you out, for you to refinance the house in your name alone (with his consent) and you buy him out, or you both agree to sell the house.
There is no other name besides the LLP on the deed, the resident is a member of the LLP, the person was elected to the board by the council of unit owners but it was not known at the time that the unit was not individually owned. The bylaws of the association state that only unit owners can be... View More
answered on Nov 29, 2023
An LLP is a unit owner which acts through it's managing partner or designated officer. Therefore, the member of the LLP is properly on the Board as the authorized representative of the unit owner. The Maryland Condominium Act, under the Real Property Code, states any unit owner may be... View More
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