Q-Law Blog

FIRPTA – Buyer Beware

Lately, there have been some stories about Realtors® and/or title companies having to pay a foreign seller’s federal income tax that was not withheld at

What’s in Your REMIC?

Background. The residential loan market experienced tremendous growth between 2004 and 2007.  Lenders were able to accommodate millions of borrowers, because they quickly sold the

The REMIC Smoothie

For anyone who has ever negotiated a loan modification, short sale, or deed-in-lieu, you have heard the refrain from the person on other end of

Just a Technicality?

Much has been made lately of the claims that lenders have intentionally or negligently relied upon bogus documents when foreclosing folks out of their homes. 

Short Sale Boom?

Well, these are interesting times. One would have thought short-cutting the lending process by making poorly underwritten loans would have been a wake-up call to lenders. Apparently not. Now the entire lending industry is caught short-cutting the foreclosure process as well. Read on.


Read digestable summaries of real estate information on the national and local fronts in Snippets.

Is Negative Equity a “Hardship”?

Fannie Mae provides on its website a Hardship Affidavit for homeowners to use as a part of the HAMP loan modification process. Predictably, the standard

Transparency in NPV Testing

The use of the NPV Test is the most critical part of a loan servicer’s decision to approve or disapprove a borrower’s request for help. Yet there is no accountability to the people most affected by an adverse decision – the borrowers themselves.