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How to Negotiate Your Mortgage Closing Costs
It doesn’t matter if you are purchasing a home or refinancing your existing mortgage; closing costs are a part of the process. While this is true, almost everything is negotiable…
Foreclosure Tsunami: Fact and Fear
Last year, foreclosures weren’t a worry primarily due to the moratoriums in effect. Despite the removal of the COVID-19 pandemic provisions, the market has yet to see a foreclosure tsunami. However, as unlikely…
TOEPP: What New York Property Owners and Real Estate Investors Should Know
Brief Overview of TIRSA Homeowners and real estate investors should be familiar with the Title Insurance Rate Service Association, or TIRSA. TIRSA is the organization that regulates title insurance rates…
New York Extends Eviction and Foreclosure Moratorium
Governor Kathy Hochul of New York extended the COVID-19 Emergency Eviction and Foreclosure Prevention Act of 2020 (CEEFPA) in September 2021. CEEFPA, which became effective in December 2020, allows tenants…
Home Affordable Modification Program (HAMP) Ending Soon!
The End of HAMP What does the end of the Home Affordable Modification Program (HAMP) mean for Loan Modifications? The future of loan modifications. The Home affordable Modification Program…
Foreclosed Homes in Minority Neighborhoods More Prone to House Decay
Fair-housing Advocates Find a Racial Divide In Home Maintenance Provided By Fannie ae A recent federal district court lawsuit filed by nonprofit housing advocacy groups alleges that government-sponsored Fannie Mae…
Congress Will Not Renew Mortgage Debt Forgiveness Act Through 2017
114th Congress Adjourns Without Passing Tax-Extenders Some Background on the Mortgage Debt Relief Act The 2007 Mortgage Forgiveness Debt Relief Act allowed taxpayers to not include, as income, the…
The Statute of Limitations & Residential Mortgage Foreclosures
Defeating A New York Foreclosure Case Past The Statute of Limitations. Recent Court Cases Show That You May Be Able To Defeat a Foreclosure Case If Your Complaint Was Filed More…
Cash For Keys After a Foreclosure Sale or Auction
What is Cash for Keys? I receive a lot of phone calls now asking what is Cash for Keys and how do I go about finding out how to apply…
2015 Update on Foreclosures in Westchester County New York
2015 Foreclosure Judgments Increase to Highest Since 2008 New foreclosure actions are still be filed at a significant rate in Westchester county I just received a call from a…
With more than 20 years of experience, Peter Spino, Jr. offers a range of services in real estate law and real estate finance
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