Mosca Law has a strong history of helping individuals and their families with all aspects of real estate law. You can trust our over 50 years of combined experience to provide you with the highest level of professionalism whether you need a closing, refinance or need to know what your options are for a modification or foreclosure.
Our office handles all legal matters for all property types including; single-family, multi-family, condos, commercial, office space, etc. You will enjoy the privacy and professionalism of our offices for the closing on your real estate and loan. We also have close relationships with all other real estate professionals so we can help you with any problems or issues that arise.
Each Attorney has a reputation for reliability and superior client service which has resulted in an extensive portfolio of real estate clients. From individual home buyers and commercial brokerage firms to mortgage lenders and some of New England’s most prominent developers and financial institutions, each attorney’s efficient processing and thorough attention to detail has earned substantial repeat and referral business. Areas of specialty include:
• Acquisitions and Sales
• Residential mortgage loan closings for lenders and borrowers
• Foreclosures / Loan workouts
• Zoning, subdivision control and environmental permits
• Approvals for commercial and residential developments
• Commercial and residential leases
• Construction and architectural contracts
• Condominium formation and regulation
• Landlord / Tenant issues
• Title insurance and title issues • Business Start-ups and Licensing
Refinancing
Many people don’t know what options they actually have when it comes to refinancing and modifications. Even if you are “underwater” and owe more than the value of your home, you may have an opportunity to capitalize on the historically low rates. These rates won’t last forever. Call us now to discuss your options. You may be pleasantly surprised.
Modifications
If you are behind with your mortgage payments or struggling to make existing payments due to any of the following hardships, you may be eligible: loss of income, death, military service, property damage, divorce, adjustable mortgage increase, etc.
Don’t wait until it is too late. It is important that you have legal representation as you take the next step. Call us now to learn about all of your options.
Making Home Affordable Program
The Making Home Affordable Program (MHA) ® is a critical part of the Obama Administration’s broad strategy to help homeowners avoid foreclosure, stabilize the country’s housing market, and improve the nation’s economy.
Eligible homeowners can lower their monthly mortgage payments and get into more stable loans at today’s low rates. And for those homeowners for whom ownership is no longer affordable or desirable, the program can provide a way out which avoids foreclosure. Additionally, in an effort to be responsive to the needs of today’s homeowners, there are also options for unemployed homeowners and homeowners who owe more than their homes are worth.
Call Mosca Law today to learn about all of your options
Ask us about other programs that can help keep you in your home.
HARP – Home Affordable Refinance Program
HAMP – Affordable Modification Program
Short Sales
For homeowners who are having trouble making their mortgage payments and cannot refinance because of poor credit and/or an “upside down” mortgage, there are options other than foreclosure.
A short sale is when the Seller’s net proceeds are less than the Seller’s total obligations factoring in their mortgage payoff, taxes, real estate commission and other adjustments. The Seller has no money to cover the difference. The Seller has no ability to borrow the money from a relative or a friend and has no other assets to use to pay the lender.
In a short sale, a lender agrees to accept less than what is owed on a mortgaged property and release its lien to allow a sale. The amount of the mortgage that is unpaid is either completely forgiven by the lender and taken as a loss, or in some cases, the outstanding debt is reprocessed as a personal, unsecured loan.
Call us to review your short sale options.
REO/Foreclosure
Real Estate Owner is a property that goes back to the bank or mortgage company after an unsuccessful foreclosure auction. Once the bank regains ownership of properties they offer real estate at discounted prices. Although this can be a great opportunity, if you are not intimately familiar with the process of buying real estate owned houses, you need to speak with Mosca Law. We can help you know what to look for in distressed properties and how to negotiate a better price. We can then also help you with a successful closing.
REO’s can be tricky so legal representation is a good idea.
Contact us to learn more about all of the options that are now available to you for taking advantage of foreclosed properties.
Eviction/Landlord – Tenant Law
Attorneys capable of representing either landlords or tenants in all eviction and landlord-tenant matters.
• evictions for non-payment of rent
• evictions for holdover tenants
• evictions of problem tenants
• 30-day notice to terminate tenancy (5 day demand letters for non-payment of rent)
• landlord failure to supply necessary services, including heat & electricity
• self-help evictions
• restraining orders related to the landlord-tenant relationship
• complex evictions
• commercial evictions
• evictions after foreclosure
• tenants at will
• tenants at sufferance