Q-Law Blog

The Myth of Lender Modification

Introduction. After three years of counseling folks in the throes of making a distressed housing decision, I have to honestly ask myself if loan modification

Real Estate “Top Ten” Lists

Introduction.  When the credit industry collapsed circa 3Q 2008, followed by the real estate and construction industries, some journalists apparently became tired of reporting the

Borrower Exposure to Deficiency Risk

“To be forewarned is to be forearmed.” The term “deficiency” arises in the context of a borrower’s default to their lender.  It refers to the