Mortgage Attorney Daytona
Do you need a closing attorney for a mortgage closing? Are you having problems with your mortgage company? Was your mortgage transferred to a mortgage servicer that is not applying your mortgage payments correctly? Are you having trouble making your mortgage payments?
If you need assistance with any mortgage-related matters, our Daytona mortgage attorney can help. Mr. McMurray was a Mortgage Loan Officer before going to Law School. Therefore, he has experience in every area of law related to mortgage loans.
Call (888) 316-2131 to schedule an appointment with our Daytona mortgage attorney to discuss a new mortgage loan or a problem with an existing mortgage.
Are You Applying for a New Mortgage?
If you are purchasing a piece of real estate, refinancing a current mortgage, or applying for an equity line, your mortgage lender will require that you retain the services of a real estate attorney to handle the mortgage closing. As stated above, Attorney McMurray worked in the mortgage industry before attending law school. Therefore, he understands the process involved in qualifying for a loan. He also understands the detailed information and tremendous accuracy demanded by mortgage companies for a loan closing.
When you hire our law firm to handle your mortgage closing, you can trust you are receiving the knowledge and experience of a lawyer who understands what the bank needs and wants. This knowledge can avoid some of the mistakes and errors that can make mortgage closings more difficult. You are also receiving the advice and guidance of an experienced, skilled real estate attorney to make your mortgage closing go as smoothly as possible.
Are You Having Problems with Your Current Mortgage Company?
Problems with a mortgage company or the company that services the loan for your mortgage provider can be frustrating. Getting answers to your questions can be almost impossible as these large companies play “pass the phone call” to avoid answering your questions or resolving your issues.
Some of the common problems with mortgage providers that clients complain about when they contact our office include:
• The loan company or servicer said it did not receive my payment, but I made the payment;
• My escrow payment has increased substantially;
• The lender refuses to cancel my PMI (private mortgage insurance) even though I have sufficient equity to cancel PMI;
• The lender is not applying my payment correctly;
• The interest on my adjustable rate loan was calculated incorrectly;
• I am charged fees that I should not incur;
• My mortgage payments are on time, but I am charged late fees; and,
• The balanced owed on my mortgage account is not correct.
If you are experiencing any problems with your mortgage company or a mortgage servicing provider, let our Daytona mortgage attorney help resolve the issue quickly and efficiently.
Foreclosure Defense, Modifications, Forbearances & Bankruptcy
When you are having trouble making your mortgage payments, it can be difficult to believe there could be an affordable solution that allows you to keep your home. Our Daytona mortgage attorney can provide guidance, support, and experienced legal counsel regarding the options you may have available if you cannot afford your mortgage payments.
Some options to resolve a financial crisis that you might want to consider include:
• Forbearance Agreement — A forbearance agreement is a temporary deferment of your mortgage payments. The mortgage company agrees to stop your payments for a specific time to allow you to recover from a financial hardship. Forbearance agreements are usually best for short-term financial problems.
• Loan Modification Agreements — Modifying your mortgage can help you afford to keep your home if you are struggling to make your mortgage payments. A loan modification “modifies” the terms of your loan, such as the interest rate and term, to lower your monthly mortgage payment. In some cases, a lender may reduce the principal owed on the loan to forgive the past due loan payments.
• Foreclosure Defense — You have legal rights during a foreclosure action. In some cases, a homeowner has valid legal defenses to a foreclosure complaint. It is worthwhile to meet with a Daytona foreclosure attorney to discuss your options. However, you need to act as soon as you receive the foreclosure complaint to preserve your right to defend the lawsuit.
• Chapter 13 Bankruptcy Case — If you want to keep your home, a Chapter 13 repayment plan may be your best option. Through a Chapter 13 plan, you can stop foreclosure and catch up your past due payments over three to five years. In addition, you can also get rid of the other debts that you owe through your Chapter 13 repayment plan. Our Daytona bankruptcy attorney can explain more during a free consultation.
• Short Sales — In some cases, a homeowner wants to let the home go, but does not want to go through a foreclosure. The mortgage lender may agree to a short sale. Through a short sale, the mortgage company accepts a payoff amount that is less than the full balance owed on the account to release the lien on the home. However, you need a Daytona short sale attorney to negotiate the agreement to ensure the entire debt is forgiven through the short sale.
Depending on your situation, there could be additional options available for dealing with a mortgage issue. Our Daytona mortgage attorney can explain all options after a free case review.
Call (888) 316-2131 to schedule an appointment with our Daytona mortgage attorney to discuss your unique situation and options for resolving the specific matter related to your mortgage.
About Daytona Beach, FL
Daytona Beach is located in Volusia County, FL on the eastern side of the state. The area is a popular vacation spot for a variety of reasons, including the beautiful beaches located along the Atlantic coastline. The Daytona International Speedway attracts thousands of visitors each year, especially for the Daytona 500 NASCAR race. There is something for everyone to enjoy at Daytona Beach.
Because the area continues to experience growth, the real estate market in Daytona Beach is impressive. Investment property, commercial real estate, and residential real estate choices are numerous. Daytona Beach is not just a tourist city. The area has excellent schools in the Volusia County School District and a rich and diverse history displayed in the city's culture, arts, and entertainment venues. Our Daytona mortgage attorney is proud to serve Daytona Beach and the surrounding areas.