Tag Archives: Changes

Slote & Hyperlinks Law Firm Changes Name, Opens New Office

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San Francisco, California (PRWEB) June 19, 2013

The San Francisco law firm of Slote &amp Links is pleased to announce that Stephen M. Boreman has become a partner and the firm has changed its name to Slote, Links, &amp Boreman, LLP. The firm has opened new offices at A single Embarcadero Center, Suite 400, San Francisco, CA 94111-3619. The firms telephone number is 415-393-8001, and the website is http://www.SloteLaw.com.

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Slote, Links, &amp Boreman, LLP practices in the regions of Administrative Law (specialist license defense), Wellness Care Law, Education Law, Employment Law, Business Law and Litigation (including but not limited to employment, construction and contract litigation, and alternative dispute resolution (ADR) such as Mediation and Arbitration).

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Adam G. Slote is a California administrative law lawyer specializing in administrative law (professional licensing), litigation and organization law. He has been a member of the California Bar since 1988. Adam opened his personal practice in 1992 with the aim of using technologies to supply higher-good quality legal services effectively and expense-efficiently. He founded the firm of Slote &amp Hyperlinks in 2009 with Robert Bo Links and Steve Boreman (who was then Of Counsel).

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Robert D. “Bo” Links has been in general civil practice in San Francisco given that 1974. His specific regions of emphasis consist of labor and employment disputes, education law, building matters, and common company counseling and private dispute resolution services as a mediator and arbitrator. He has comprehensive knowledge as a trial and appellate advocate and, in addition, as a respected arbitrator-mediator. He has prosecuted jury circumstances to verdict and well more than one hundred arbitration claims to hearing and final adjudication.

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Bo serves on the American Arbitration Association panel of industrial arbitrators, and he regularly volunteers as a pre-arbitration settlement panelist for the San Francisco Superior Court. He is a Mediator, as properly as an Early Neutral Evaluator, for the United States District Court for the Northern District of California.

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Stephen M. Boreman joined the firm of Slote &amp Links in an of counsel capacity following his retirement as a Deputy Attorney Common in 2008 exactly where he worked in Wellness High quality Enforcement for ten years and served as Liaison to the Health-related Board of California. His private practice focuses on administrative law (overall health care licensing) government relations and healthcare malpractice defense. In May possibly 2013 Steve became a partner in Slote, Links, &amp Boreman, LLP.

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A former Unique Agent of the F.B.I., Steve has expertise in state and federal regulation and legislative affairs. He is a nationally certified Trial Practice Instructor for the National Institute of Trial Advocacy (NITA) and serves as faculty to Professional Boundaries Inc. (PBI) in Health-related Ethics, Boundaries, Prescribing Practices and Medical Record Keeping, accredited by U.C. Irvine School of Medicine.

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Make contact with Info for the firm is as follows:&#13

Slote, Links, &amp Boreman, LLP&#13

1 Embarcadero Center, Suite 400&#13

San Francisco, CA 94111-3619

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Telephone:

Federal Housing Administration to Make Mortgage Insurance Premium (MIP) Changes Again on June 3

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Gainesville, FL (PRWEB) May 16, 2013

Chris Doering Mortgage advises Florida homeowners on impending FHA changes.

The Federal Housing Administration has made six changes to its mortgage insurance premiums over the last six years. Each modification has increased the short-term cost of using FHA-backed mortgages. The agency’s next change, however, will change its long-term costs.

Beginning on June 3, the FHA will change its long-standing Annual MIP Cancellation Policy. Certain homeowners will lose their right to cancel the annual MIP. Currently, the Federal Housing Administration requires homeowners to pay annual MIP so long as their loan-to-value is greater than 78 percent, where “value” is equal to the last known value of the home. In addition, if the original mortgage term is greater than 15 years, at least 60 payments must have been made on the mortgage before FHA MIP can be automatically cancelled.

Beginning in June, the FHA will move away from an LTV-based system. The new cancellation policy will be as follows: loans beginning at 90 percent LTV or less will pay annual MIP for 11 years and loans beginning at 90 percent LTV or more will pay annual MIP for the complete loan term. This means that home buyers using the Federal Housing Administration’s 3.5 percent down payment program will pay annual mortgage insurance for the loan’s full 30 years, regardless of whether the home appreciates to the point of having 22 percent equity or more.

Chris Doering Mortgage advises any potential Florida FHA borrowers to apply for an FHA loan at least ten days prior to the June 3 deadline, so they may still reap many of the programs benefits by obtaining an FHA case number.

For more information call the mortgage professionals at Chris Doering Mortgage today at 352-244-0840.

About the company:

Established in April 2007, Chris Doering Mortgage opened its doors in the Jacksonville, FL community with the goal of providing exceptional mortgage lender services, and accountability to a mortgage industry that can be both intimidating and overwhelming for potential customers in the market for home loans.

The commitment to skillfully and ethically deliver the highest quality customer service throughout the mortgage process is second to none with the Chris Doering Mortgage team of professionals. They specialize in FHA loans, current mortgage rates and mortgage refinance options.

The staff is constantly educating themselves on the ever-changing home mortgage landscape and adapting to the changing needs of the real estate industry to meet the expectations of clients. For more information visit their website at http://www.mygatormortgage.com.







3 Unexpected Trend Changes in the Foreclosures and Housing Market – Reported by RealEstateLicense.org

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Temple, TX (PRWEB) May 24, 2013

“We’re seeing three surprises in the housing market today. Despite the ‘bad economy’ foreclosures are down, there’s been a shift in the underlying reasons for new foreclosures, and the purchasing power of cash buyers is increasing.” says Jeffry Evans, real estate agent, investor and founder of RealEstateLicense.org.

“Foreclosure filings — including notices of default, scheduled auctions and bank repossessions — during the first quarter fell 23% from a year earlier, the lowest level since the second quarter of 2007” according to CNN.

Short sales and other alternatives (where homeowners sell their homes for less than what they owe with bank approval) have been one of the major reasons foreclosure rates are dropping, but experts say the need for short sales is wavering with programs like the Home Affordable Modification Program and the Home Affordable Refinance Program, which have helped millions of homeowners avoid foreclosure.

According to CNN, last spring the nation’s largest mortgage lenders, in an almost $ 25 billion dollar settlement, agreed to help struggling borrowers by lowering their mortgage rates, reducing their principle and other fixes aimed at helping American’s keep their homes. The result has been astounding. Home prices are starting to rise (up more than 8% since January), foreclosures are down, and many are starting to look hopeful that the worst is indeed behind us.

Not only are foreclosures down, but employment is on an upward bend as well. The U.S Bureau of Labor and Statistics reported that employment in the mortgage banking and brokerage sector rose to 288,900 in March from 287,300 in February. When lenders start hiring, its a sign of confidence in current market trends.

During the crash the primary reason for foreclosures was homes being “upside down” where the market price was lower than the mortgage balance. Now it’s reverted back to the traditional reasons for foreclosure including job loss, job transfer, and other financial, family or personal issues.

Rates are lower than they have been in decades, but borrowers must have their documents in order. Financial records and cash saved for down payments are a must in today’s mortgage climate.

The interest rates are good and if you have good credit, you can get a loan. If you don’t you should work on your credit and put some money in the bank and wait to buy. The mortgage companies are still making loans, they just want a lot of information and they want to be sure that you will be able to re-pay the loan.