Best Mortgage Lawyers in United States

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Koley Jessen

Koley Jessen

Omaha, United States

Founded in 1988
170 people in their team
Koley Jessen was founded in 1988 when Jim Koley, Paul Jessen, and four additional partners set out to establish a firm focused on being a great place...
English
Page, Mannino, Peresich & McDermott, PLLC

Page, Mannino, Peresich & McDermott, PLLC

Biloxi, United States

Founded in 1971
50 people in their team
A Full Service Law FirmPage, Mannino, Peresich & McDermott, PLLC is one of Mississippi's oldest and most distinguished law firms.  We serve...
English
Gibson Watson Marino LLC

Gibson Watson Marino LLC

Wichita, United States

Founded in 1947
8 people in their team
A Legal Team Dedicated To The Wichita AreaGibson Watson Marino LLC was founded on the principles of dedication to our clients and the persistent...
English
Stinson LLP

Stinson LLP

Kansas City, United States

Founded in 2002
985 people in their team
Complex legal challenges are best approached with sharp insight and creative solutions. At Stinson, our attorneys combine industry knowledge and...
English
Reep, Bell & Jasper, P.C.

Reep, Bell & Jasper, P.C.

Missoula, United States

Founded in 1981
5 people in their team
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...
English
Fraser Stryker PC LLO

Fraser Stryker PC LLO

Omaha, United States

Founded in 1898
110 people in their team
Nebraska AttorneysThe attorneys at Fraser Stryker PC LLO provide full-service representation to businesses and individuals that face a variety of...
English
Jones, Swanson, Huddell & Daschbach, LLC

Jones, Swanson, Huddell & Daschbach, LLC

New Orleans, United States

Founded in 2001
25 people in their team
At Jones Swanson, we’ve put together a team of attorneys with a wide array of interests and backgrounds—not only in litigation, but also in...
English
Evans Keane LLP

Evans Keane LLP

Boise, United States

Founded in 1993
9 people in their team
Our FirmNestled amongst the trees along the banks of the Boise River sits Evans Keane – an experienced Idaho law firm that since 1984 has been...
English
Galowitz • Olson PLLC.

Galowitz • Olson PLLC.

Lake Elmo, United States

Founded in 1912
13 people in their team
Defending your interests. Preserving your peace of mind. Decades of experience.Galowitz • Olson has diverse expertise to serve your legal...
English
DeWitt Law Firm, P.A.

DeWitt Law Firm, P.A.

Orlando, United States

Founded in 1998
4 people in their team
Proudly representing Orlando since 1998Sherri DeWitt founded the DeWitt Law Firm in 1998 to provide the residents of Central Florida with the...
English

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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.

Disclaimer:
The information provided on this page is intended for informational purposes only and should not be construed as legal advice. While we strive to present accurate and up-to-date information, we cannot guarantee the accuracy, completeness, or currentness of the content. Laws and regulations can change frequently, and interpretations of the law can vary. Therefore, you should consult with qualified legal professionals for specific advice tailored to your situation. We disclaim all liability for actions you take or fail to take based on any content on this page. If you find any information to be incorrect or outdated, please contact us, and we will make efforts to rectify it.