Best Mortgage Lawyers in United States

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Reep, Bell & Jasper, P.C.
Missoula, United States

Founded in 1981
5 people in their team
English
We Will Do More Than Just Handle Your Case - We Will Earn Your TrustCHOOSE AN ESTABLISHED LAW FIRM BASED IN MISSOULA, MONTANA & SERVING ALL OF WESTERN MONTANA WITH A STERLING REPUTATIONIn a community-oriented place like Missoula, Montana, neighbors support each other by doing business with...
Radix Professional Services, LLC
Scottsdale, United States

Founded in 2008
50 people in their team
English
Our StoryRadix Law is the first multi-lawyer full service traditional law firm in the United States with a combination of lawyer and non-lawyer owners. More commonly known as an Alternative Business Structure, the Arizona Supreme Court approved Radix under this model which modernizes and...
JENSEN BAIRD
Kennebunk, United States

Founded in 1952
26 people in their team
English
Since its founding in 1952, Jensen Baird has provided clients with practical solutions to complex problems.  Through collaboration and communication, our attorneys build client relationships based on honest counsel and creative thinking.  We have a proven track record of establishing and...
Galindo, Arias & Lopez
Panama City, United States

Founded in 1968
200 people in their team
Spanish
English
Serve the economic development of Panama and the regionWith more than 50 years of experience, we distinguish ourselves as a legal services firm dedicated to providing comprehensive solutions for local and foreign clients with business interests in Panama. In a dynamic and changing world, we have...
Connolly Gallagher LLP
Wilmington, United States

Founded in 2008
22 people in their team
English
Connolly Gallagher is a law firm with deep roots in Delaware and stature in its legal community.Connolly Gallagher was founded on one guiding principle: to obtain outstanding results for our clients. Our firm brings together highly-respected and experienced Delaware attorneys who each possess deep...
Cohen Dowd Quigley P.C.
Phoenix, United States

Founded in 1991
50 people in their team
English
Ron Cohen founded Cohen Dowd Quigley in 1991 after an outstanding career as one of the first partners of the Streich Lang law firm. Ron had a clear vision of CDQโ€™s present and future professional profile. CDQ would be a small, boutique law firm, specializing in complex commercial litigation....
Hall Booth Smith, P.C.
Little Rock, United States

Founded in 1989
1,000 people in their team
English
Our FirmEstablished in 1989, Hall Booth Smith, P.C. (HBS) is a full-service law firm headquartered in Atlanta, Georgia, with regional offices strategically located throughout Georgia and the United States. Experienced across a wide range of legal disciplines, HBS prides itself on providing...
Fuqua Campbell, P.A.
Little Rock, United States

Founded in 2000
50 people in their team
English
At Fuqua Campbell, P.A., we are committed to serving the litigation, transactional and advisory needs of individuals, businesses and government entities. We are a well-established law firm made up of talented and dedicated attorneys, paralegals and staff. We combine state-of-the-art tools with...
Ashford & Wriston, LLP.
Honolulu, United States

Founded in 1695
30 people in their team
English
For more than 65 years, Ashford & Wriston has been trusted for its legal expertise in Hawaii. We have expanded our practice groups through organic growth and have developed the next generation of rising-star attorneys who work to find innovative ways to help our clients succeed.Traditionally...
BJORNSON JONES MUNGAS, PLLC
Missoula, United States

Founded in 1998
11 people in their team
English
Bjornson Jones MungasWhat We DoAs a law firm, Bjornson Jones Mungas excels at helping clients identify and prioritize goals, anticipate obstacles and growth opportunities before they arise and, most importantly, solve legal problems in creative ways.Our attorneys are licensed in Montana, Washington...
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About Mortgage Law in United States

Mortgages in the United States are legal agreements between a borrower and a lender to secure a loan for the purchase of real estate property. The borrower agrees to repay the loan with interest over a specified period of time, typically 15 to 30 years. If the borrower fails to make payments, the lender has the right to foreclose on the property.

Why You May Need a Lawyer

You may need a lawyer for various reasons related to mortgages, such as reviewing loan documents, negotiating terms, resolving disputes with lenders, or defending against foreclosure proceedings. A lawyer can provide legal advice and representation to protect your rights and interests throughout the mortgage process.

Local Laws Overview

Local laws regarding mortgages in the United States can vary by state and municipality. However, some key aspects of mortgage law that are generally applicable include requirements for loan disclosure, foreclosure procedures, and consumer protection regulations. It is important to be aware of the specific laws in your area to ensure compliance and protection.

Frequently Asked Questions

1. What is the difference between a fixed-rate and adjustable-rate mortgage?

A fixed-rate mortgage has a stable interest rate throughout the loan term, while an adjustable-rate mortgage has an interest rate that can fluctuate based on market conditions.

2. What is private mortgage insurance (PMI) and when is it required?

PMI is insurance that protects the lender in case the borrower defaults on the loan. It is typically required when the borrower makes a down payment of less than 20% of the home's purchase price.

3. How does the mortgage pre-approval process work?

During pre-approval, a lender evaluates your financial information to determine how much you can borrow for a mortgage. This can help you narrow down your home search and strengthen your offer when buying a home.

4. What is a foreclosure and how can I avoid it?

Foreclosure is the legal process by which a lender repossesses a property due to non-payment of the mortgage. To avoid foreclosure, it is important to communicate with your lender, explore options for loan modification or refinancing, and seek legal assistance if needed.

5. Can I refinance my mortgage and how does it work?

Refinancing involves replacing your current mortgage with a new loan, typically to take advantage of lower interest rates or adjust the loan term. It can help lower monthly payments, reduce interest costs, or access equity in the home.

6. What are the rights and responsibilities of a borrower in a mortgage agreement?

Borrowers have the right to receive accurate loan information, make timely payments, maintain the property, and seek help if facing financial hardship. Responsibilities include repaying the loan, keeping the property insured, and complying with the terms of the agreement.

7. What is the difference between a mortgage broker and a mortgage lender?

A mortgage broker acts as an intermediary between borrowers and lenders, helping to find loan options and negotiate terms. A mortgage lender directly provides the funds for the loan and typically works with borrowers to approve and manage the mortgage.

8. How can I dispute errors on my credit report that affect my mortgage application?

If you find inaccuracies on your credit report that may impact your mortgage application, you can dispute these errors with the credit reporting agencies and provide documentation to support your claim. It is important to address any discrepancies promptly to avoid delays in the mortgage process.

9. What are the steps involved in the closing process for a mortgage?

The closing process, also known as settlement, involves signing the final documents to complete the mortgage transaction. This typically includes reviewing loan terms, paying closing costs, transferring ownership, and receiving the keys to the property.

10. How can a lawyer help me with my mortgage-related legal needs?

A lawyer can provide legal advice, review loan documents, negotiate terms, represent you in disputes or litigation, and ensure that your rights are protected throughout the mortgage process. Having a lawyer on your side can help navigate complex legal issues and achieve a favorable outcome.

Additional Resources

For additional resources and information on mortgages in the United States, you can contact the Consumer Financial Protection Bureau (CFPB), your state's attorney general's office, or local legal aid organizations. These resources can offer guidance, assistance, and valuable insights into mortgage-related legal matters.

Next Steps

If you are facing legal issues related to mortgages in the United States, it is important to seek legal advice from a qualified attorney who specializes in real estate law. Consider scheduling a consultation to discuss your concerns, review your options, and develop a plan to address your mortgage-related legal needs effectively.

Lawzana helps you find the best lawyers and law firms in United States through a curated and pre-screened list of qualified legal professionals. Our platform offers rankings and detailed profiles of attorneys and law firms, allowing you to compare based on practice areas, including Mortgage, experience, and client feedback. Each profile includes a description of the firm's areas of practice, client reviews, team members and partners, year of establishment, spoken languages, office locations, contact information, social media presence, and any published articles or resources. Most firms on our platform speak English and are experienced in both local and international legal matters. Get a quote from top-rated law firms in United States - quickly, securely, and without unnecessary hassle.

Disclaimer:
The information provided on this page is for general informational purposes only and does not constitute legal advice. While we strive to ensure the accuracy and relevance of the content, legal information may change over time, and interpretations of the law can vary. You should always consult with a qualified legal professional for advice specific to your situation. We disclaim all liability for actions taken or not taken based on the content of this page. If you believe any information is incorrect or outdated, please contact us, and we will review and update it where appropriate.