Steven Navaro’s Answers

Steven Navaro

Castle Rock Real Estate Attorney.

Contributor Level 9
  1. How do I compel someone to mediation?

    Answered over 1 year ago.

    1. Daphne Lori Macklin
    2. Steven Navaro
    2 lawyer answers

    Verbal Agreements are difficult to enforce in CO, where all agreements pertaining to real estate must be in writing. Since you did not have any agreement in writing, there is no way that you can compel him to attend mediation. I would take your Landlord's advice and try to find a new roommate. If you are not successful, you may have to break your lease. In that case, I would notify your Landlord immediately, before you move out, so as to give the Landlord time to find another tenant. If you...

  2. Can a landlord harrass you?

    Answered over 1 year ago.

    1. Stephen Clark Harkess
    2. Steven Navaro
    2 lawyer answers

    In Colorado, there is an implied covenant of peaceable enjoyment. That means that once you sign the lease, you have the right to enjoy the property without disturbance by the landlord or anyone else (just as if you owned the property). Landlords do have the right to inspect the property or make repairs, but only if they provide you with reasonable notice (usually 24 hours). If the Landlord wants the rent, she needs to comply with the laws by posting a 3 day notice for Rent or Possession...

  3. I am being asked to cosign on a mortgage by my now ex bf on a home we built together this year.

    Answered over 1 year ago.

    1. Anthony Keith James
    2. Steven Navaro
    2 lawyer answers

    If you sign on the loan, you can be personally liable for its repayment. You did not state whether you are on title to the home. If you are, and you believe that there is no equity in the home, or you simply want to get out, it might be easier to quit claim any interest you have to the home to your ex boyfriend. Particularly in light of the fact that you will be leaving the area, you do not want to have this liability following you. If your ex is refinancing the existing loan, that would be...

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  4. I really need your good advice. Me and my fiance are buying a house and he refuses to put my name on the deed. Right now I dont

    Answered over 1 year ago.

    1. Darrell Brinnett Reynolds Sr.
    2. Kevin M. Veler
    3. Steven Navaro
    4. Vincent J. Gallo
    4 lawyer answers

    If a loan is needed to purchase the home, there may be good reason to not include you on the loan, since you are currently unemployed. It may also have something to do with how he views your long term relationship with him. Your best bet is to speak candidly with him about your concerns. If he agrees to some arrangement, even if it is in the future, you should put it in writing and both sign it. Part of living in a home is maintaining the property, whether you are a renter or an owner.

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  5. Am I responsible to pay the extension fee of 375.00 when it is the lender that is causing the delays?

    Answered over 1 year ago.

    1. Steven Navaro
    1 lawyer answer

    The extension fee is generally charged to continue your loan application on the same rate and terms. If the market has improved, and rates or points are lower, you want to start over with a different lender. I know that this sounds like a hassle, but your lender is dragging its feet for a reason, and it is unlikely another extension would help matters. You might want to speak to your landlord about letting you hold over on a month to month basis until you can get loan approval and close on...

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  6. What are my options for having a continued presence of rats in the attic at the house I rent

    Answered over 1 year ago.

    1. Steven Navaro
    1 lawyer answer

    Call your local health and safety department to determine if this constitutes a health violation. The put in writing a non-threatening letter to your landlord stating your concerns for your children and asking that the pest exterminator come over to treat the attic and to block up any points of entry. If the situation continues, it could be grounds to break your lease, but you have not indicated what your lease says about responsibility for maintenance issues.

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  7. Do I need a real estate attorney?

    Answered over 1 year ago.

    1. Richard S Sternberg
    2. Susan Elizabeth Philbrick Allen
    3. Steven Navaro
    3 lawyer answers

    You definitely need an attorney qualified to research the chain of custody of the note and deed of trust/mortgage. In general many states follow the "mortgage follows the note" theory, which implies that an assignment of the mortgage is not required so long as PNC has possession of the original note. If they hold the note, then the mortgage belongs to them as well. But this is a complex misunderstood aarea of the law that is currently in flux, so that is why I advise that you get a good real...

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  8. The bank tried to sell our empty foreclosed house in NC, then took it off the market & wants us to pay house insurance?

    Answered over 1 year ago.

    1. Steven Navaro
    1 lawyer answer

    If the foreclosure was completed, the bank owns the home and is liable to insure it. You do not have to pay insurance on a home that you do not own.

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  9. Question for a real estate attorney regarding trustee's sales and security deposits.

    Answered about 1 year ago.

    1. Steven Navaro
    1 lawyer answer

    When a trustee sale occurs on a commercial property, it is considered an involuntary sale. As a result, the previous owner, your landlord, did not transfer the security deposits to the new owner. Unfortunately, you will need to bring a civil suit against your original landlord to obtain a return of the deposit. You should also keep the notice from the new Owner terminating your lease. In some states, the new Owner takes title to the property with the leases in full force and effect. I cannot...

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  10. Can a bank come after our business if they forclose on our home?

    Answered over 1 year ago.

    1. Anthony James Zeoli
    2. Jeffrey Morris Jacobson
    3. Steven Navaro
    3 lawyer answers

    Without more facts, I will give you my general impressions. If the bank forecloses on the home, and the loan was in the name of your husband and yourself, they could bid either the balance due on the loan or something less, which could result in a deficiency for which you could possibly be liable. However, it is highly unlikely the bank will go farther and seel to perfect that deficiency. However, even if they do, if your Florida business is in the name of a company, then they cannot attach...

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