Residential Real Estate

Foreclosure Defense

A pending foreclosure on your home can be quite scary. There are many options available pre and post foreclosure that could help ease your fears. At Jennifer A. Garner, PA we tailor each case to the specific needs of each client.

Not all foreclosures are the same and they should be treated as such. Sometimes fighting is the best option due to mistakes by the lenders, other times it’s better to sell.

Speaking with an attorney with experience in these areas can help you figure out the best course for you. At Jennifer A. Garner, PA, our experienced attorney will sit down with you during our free consultation and discuss all the options and come up with a plan of action to ease your mind and assist you through this transition.

Loan Modifications

You can potentially avoid foreclosure by working with your lender to modify your mortgage. Banks lend money and make their profit by collecting the interest on these loans. They do not want to be homeowners. If they foreclose, there is the real possibility that they will have to resell your home for less money than you owe.

Modifications to your loan could comprise of reductions in the interest rate, or increasing the duration of your mortgage. Either or both would reduce monthly payments and make owning your home more affordable. In some cases even the principle amount due can be reduced in order to bring the amount owed closer to the present value of the home.

The law office of Jennifer A. Garner, P.A. can work with you and your bank to apply for a loan modification that could get you back on track and retain your home.

Short Sale Transactions

The law office of Jennifer A. Garner, P.A. can work with most people who are facing the loss of their home and need a solution that will allow them to reduce the amount of their real estate debt without the need for bankruptcy. This is a process known as a real estate short sale and allows the sale of a home for less than the amount owed on the mortgage. Many families have suffered a financial hardship due to personal or family illness, loss of employment, divorce, or a multitude of other reasons that cause them to default on their mortgage or real estate loan. As an alternative to foreclosure, you commonly have the option to list your home for sale for less than the balance on the mortgage.

The team at Jennifer A. Garner, P.A. can help you list your property, negotiate favorable terms on the short sale, including waiver of the deficiency amount, and guide you through the entire process of the short sale proceeding.

Landlord/Tenant Issues

Having the proper legal representation at the beginning of a landlord/tenant relationship is paramount. The law office of Jennifer A. Garner, P.A. is available to professionally prepare both commercial and residential lease agreements to ensure that you are protected under Florida Law.

Our firm also specializes in lease disputes and evictions to ensure the successful outcome of the process in relation to the time sensitive nature of these disputes.

HOA Litigation

While it is always the goal to come to a fast and satisfactory resolution, not every homeowner or condo association dispute can be resolved without formal mediation, litigation or arbitration. The law office of Jennifer A. Garner, P.A. has worked for years in the Tampa Area and throughout the State of Florida to handle HOA Litigation needs. We have represented both the home/condo as they pertain to enforcement and/or protection of individual property rights.

For Sale By Owner (FSBO)

For sale by owner (FSBO) transactions are becoming more popular for people selling residential real estate in Florida. With a FSBO sale you don't have to pay a real estate agent's commission fee. Selling your house without the benefit of a real estate attorney can be risky from a time and cost perspective. At the law office of Jennifer A. Garner, P.A., we have the knowledge and experience to assist our FSBO clients in selling their properties and maximizing their profits.

In any real estate transaction, however, you need to take steps in order to protect yourself from potentially expensive surprises and delays. Even when a real estate agent is involved, many people engage the services of an attorney to make sure someone is looking out exclusively for their best interests. If you are handling the transaction on your own, it is important to consider the advantages a lawyer can offer.