Nightingale Notary Service

11/21/2022

11/21/2022

The power of attorney (POA) or letter of attorney is a document that enables one person to represent another in private matters, business contracts, or some other matter on another's behalf. The individual who authorizes the action is referred to as the principal.

Agents, attorneys, or in certain common law jurisdictions, attorneys-in-fact have authority to act. The term "power" originally referred to an instrument that was signed under seal, whereas the term "letter" referred to a document that was signed by two individuals. However today a power of attorney does not need to be signed under seal. While some jurisdictions require that powers of attorney be notarized or witnessed, others will enforce them if they are signed by the grantor.

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11/19/2022

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11/19/2022

Your home equity is the difference between the amount you owe toward your mortgage loan and the value of your home. If you bought a home for $500,000 and paid a 20% down payment of $100,000, your loan is for $400,000. Over time, you'll pay off that mortgage and continually build your equity as the amount you owe decreases and the value of your home increases.

For example, once you've paid off $50,000 of your mortgage, you'll owe $350,000. But what if your home is now worth $600,000? If you were to sell it, you would first pay off the remainder of the mortgage then keep the remaining balance of $250,000. That number is your home equity-and is what would be available to you as a home equity loan or HELOC.

11/15/2022

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11/12/2022

A loan modification is an agreement between a past due homeowner and a mortgage lender, which change the terms of a mortgage loan and usually cures any past due balances. There are federal loan Modification programs, such as H.A.M.P. (Home Affordable Modification Program), and private loan modification programs available directly through many lenders. For homeowners who find the loan modification process complicated and overwhelming, the attorneys at Beutler Law Offices can help simplify the process and increase the likelihood of loan modification approval.

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11/09/2022