What You’ll Learn How to understand your Closing Disclosure form Why your Closing Disclosure may vary from your Loan Estimate The significance of different dates on your Closing Disclosure
A Closing Disclosure is a five to six-page form that provides final details about the mortgage loan you have selected, including the loan terms, your projected monthly payments, and how much you will pay in fees and other costs to get your mortgage (closing costs).
Better Mortgage is a direct lender dedicated to providing a fast, transparent digital mortgage experience backed by superior customer support. From our offices in New York City, we’re using technology to change the way people finance their homes, for the better.
NEW YORK, October 22, 2019 (Newswire.com) – In the long history of New York landlord-tenant relations, the government has rarely cast such an extensive reversal of course in housing policy as it does in the Housing Stability and Tenant Protection Act (HSTPA). The HSTPA stops in its tracks the gradual conversion of units to the free market. Landlords will now have access to Summary Proceedings only for base rent and evictions. Actions to recover fees and costs must be brought separately, likely resulting in protracted litigation in the trial courts. These are only a few of the many provisions of the HSTPA that will make it more difficult for landlords to maintain the viability of their properties. Compliance with the law will be challenging. Continue reading “Blumberg Announces Lease Updates for NY Housing Stability and Tenant Protection Act of 2019”
A Secret Agent may be very important to protecting the nation. Your Agent is just as important for your protection. An Agent is the person who makes financial decisions for you under a Financial Power of Attorney or makes medical decisions for you under a Health Care Power of Attorney. The Agent under your Financial Power of Attorney may act for you when you aren’t able to act for yourself, for example when you lack capacity. This is called a “springing power.” Alternatively, you also could allow your Agent to act for you under the Financial Power of Attorney even when you’re able to act for yourself. This is called an “immediate power.” Continue reading “Selecting an Agent under your Financial Power of Attorney”
A protocol with forms for management of a corporate record book
Objectify important corporate activities required by business corporation statutes, help with audits and avoid piercing of the corporate veil!
A flash drive with suggestions for the ongoing management of your corporation record book with a questionnaire/checklist for annual record book maintenance, 12 pertinent forms and 29 resolutions. A basic set of Microsoft Word and pdf forms that enable you to easily complete and quickly cut and paste the appropriate forms together to create an annual record of actions taken and meetings held by the corporation. Continue reading “NEW Corporate Manager”
Every once in a while, the court’s administrative office decides that a revision – or even an entire overhaul – of a longstanding form is required. This may be because the law, the procedure, some information related to the form has changed, or merely that the powers that be decide that the form just needs to be updated. It is not an unusual occurrence and, over the course of 130 years, Blumberg has experienced many of these changes and has risen to the challenge of each one!
Back in 1993, there was considerable confusion in New York caused by defendants raising type-size defenses in contract and landlord and tenant litigation. Many litigants were defending contract actions by claiming that the contract was not printed in a type-size that complied with the New York statutes. As a result, my files were becoming crowded with letters from attorneys inquiring about the size of the type in Blumberg forms. It became such a problem that I was asked by the Office of Court of Administration if I could draft a bill that would clarify the issue and eliminate the confusion. Continue reading “Type-Size in Legal Documents”
The usual rental period for a home is a year or more. Sometimes, however, owners choose to rent their home for shorter periods. In these instances, regular leases are inadequate. The owner is best served by a lease that specifies the term and conditions peculiar to short-term rental periods.Continue reading “Leases for Vacation Home Rentals”