volving a loan of money evidenced by a promissory note and mortgage. Owing to the esoteric nature of money lending transactions in general, and more particularly to the result reached in the latest expression of the courts, this paper is directed to an examination and exposition of Florida’s
What if the house is titled in the wife’s name only, but the mortgage is titled in both the parties’ names? This article on property distribution details how Florida equitably distributes assets and debts to the parties at the time of a divorce. We will start by defining what exactly is an equitable distribution in Florida.
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(a) A lender, its affiliate, or an assignee shall not refinance any high-cost home loan to the same borrower within the first 18 months of the loan when the refinancing does not have a reasonable benefit to the borrower considering all of the circumstances, including, but not limited to, the terms of both the new and refinanced loans, the cost of the new loan, and the borrower’s circumstances.
Getty images/ joe parra Florida-based equity. Investment Conference at the AXA Equitable Building in Midtown Manhattan on Tuesday. Ackman owns common stock of Fannie and Freddie. During the.
uses a combo of lien theory and title theory. The security deed passes title to the lender (grantee) until the loan is paid in full. when payment is made title is given to the borrower (grantor) who is the owner of the property with the lender receiving power of sale which means that the lender can sell the property at public auction after meeting legal requirements of advertising the property.
Florida law does not use the term "personal loan" at all. Florida statute 687.03 is the usury statute. It provides generally that the maximum interest rate that may be charged on a loan is 18% simple interest unless the loan principal exceeds $500,000, in which case an alternate rate of interest is used for usury.
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(4) In making loans or extensions of credit at a rate of interest that, but for this section, would not be authorized, lenders or creditors shall indicate on the promissory note or other instrument evidencing the loan or extension of credit the specific chapter of the Florida Statutes authorizing the interest rate charged.