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Estimating Neutral Cost Recovery’s Impact on Affordable Housing

Posted by Javier Nunez // May 20, 2021

Estimating Neutral Cost Recovery’s Impact on Affordable Housing

Housing affordability was a major issue even before the COVID-19 crisis and corresponding recession, but the current economic hardship has made it more salient. Immediate support for people struggling makes sense now, but lawmakers should also consider long-term solutions to the problem of high rents, namely by expanding the supply of housing. Improving the tax […]


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Should I Sell My Home Through A Short Sale?

Posted by Javier Nunez // February 25, 2021

Should I Sell My Home Through A Short Sale?

If you’ve talked to any real estate agents recently, you’ve probably heard about the increase in short sales taking place. Surprisingly, there are people who short sale their home and are able to buy another home soon after. How is this possible? If you’re finding yourself underwater in your mortgage, meaning that you owe more […]


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Estate Planning 101: Back to Basics

Posted by Javier Nunez // February 23, 2021

Estate Planning 101: Back to Basics

Estate planning is the process of designating who will receive your assets and handle your responsibilities after your death or incapacitation. One goal is to ensure beneficiaries receive assets in a way that minimizes estate tax, gift tax, income tax and other taxes. I don’t have an estate plan; what would happen if I died? […]


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Probate Bond: What You Need to Know

Posted by Javier Nunez // February 18, 2021

Probate Bond: What You Need to Know

What is a Probate Bond? Many courts may require the appointed executor, guardian, administrator, or trustee to get a Probate Bond before they start their duties. A Probate Bond (also known as an Estate Bond or Fiduciary Bond) is a type of court bond that ensures you will fulfill your duties as an appointed individual. […]


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Don’t Overlook the Details in Your Divorce Agreement

Posted by Javier Nunez // February 16, 2021

Don’t Overlook the Details in Your Divorce Agreement

You did it! You and your spouse mediated your full divorce agreement. You diligently and cooperatively worked with your mediator and Certified Divorce Financial Analyst (CDFA). The business valuations were analyzed and the tax ramifications of trading a retirement account for a brokerage account or an annuity were understood. You learned more than you ever […]


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Foreclosure Assistance That You Should Consider

Posted by Javier Nunez // February 11, 2021

Foreclosure Assistances That You Should Consider

The possibility of losing your home because you can’t make the mortgage payments can be terrifying. Perhaps you’re having trouble making ends meet because you or a family member lost a job, or you’re having other financial problems. Or maybe you’re one of the many consumers who took out a mortgage that had a fixed […]


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6 Mortgage Modification Options to Consider

Posted by Javier Nunez // February 9, 2021

6 Mortgage Modification Options to Consider

A home loan or mortgage modification is a relief plan for homeowners who are having difficulty affording their mortgage payments. Borrowers who qualify for loan modifications often have missed monthly mortgage payments or are at risk of missing a payment. Here’s what you need to know to get a mortgage loan modification and stay in […]


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Eight Alternatives to Foreclosure That You Should Consider

Posted by Javier Nunez // February 4, 2021

Eight Alternatives to Foreclosure That You Should Consider

Home foreclosures make fewer headlines now than six to eight years ago when the housing bubble burst. Then, many consumers found themselves owing more on their mortgages than their homes were worth, and short sales were very common. Today, while there are fewer headlines and less talk about them, foreclosures continue. In some cases, it’s […]


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Breach of Contract: The Notice of Breach

Posted by Javier Nunez // January 28, 2021

Breach of Contract

What Is a Breach of Contract? A breach of contract is a violation of any of the agreed-upon terms and conditions of a binding contract. The breach could be anything from a late payment to a more serious violation such as the failure to deliver a promised asset. A contract is binding and will hold […]


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Strategic Short Sale Without Hardship

Posted by Javier Nunez // January 26, 2021

Strategic Short Sale Without Hardship

The major motivation for many of the homeowners who want to choose for a short sale is that their mortgage balance has suddenly become greater than the value of their home. Actually, the homeowners owe more than their homes are worth. Instead of waiting and being forced by the bank for the short sale, these […]


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