Cuevas, Ortiz & Cubas, P.A.

REAL ESTATE LAW

Cuevas, Ortiz & Cubas provide a full array of real estate services and title insurance services. Our attorneys have more than 15 years experience in representing individual buyers and sellers of residential and commercial real estate, institutional and equity lenders in preparing of mortgage loan documents and promissory notes, real estate developers, real estate investors, processing and enforcing real property liens, representing parties in quiet title suits and real estate partition suits and in all manner of real estate transactions and disputes.

Foreclosure Defense and Loss Mitigation Counseling

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Cuevas, Ortiz & Cubas provide foreclosure defense representation for homeowners and investors including counseling you in all available loss mitigation options to find the best solution for your individual foreclosure matter depending on your goals. We will assess your case, present all available defenses and help you make an informed decision regarding loss mitigation options. Our attorneys will guide you in your economic recovery whether your strategy involves staying in your home or buying the time necessary to free yourself of the property and avoid having a foreclosure on your record.

Having our attorneys represent you in foreclosure will provide you with:

The experience and knowledge to guide you to make an informed decisions about your options and goals
Forensic analysis of your loan
Time to pursue all loss mitigation options
Time to negotiate a modification or loan workout with your lender
Time to save up money to reinstate your mortgage
Time to refinance your mortgage if you have sufficient equity in your property
Time to sell your property
Time to recover from the economic hardship that resulted in the foreclosure

If you are in foreclosure or are facing economic hardship but a foreclosure action has not been filed against you there are many loss mitigation options available to you. Many of these options are available to you whether or not you have stopped making your mortgage payments, including:

Reinstatement Plan (bring your account current)
Repayment Plan (making the account current while paying the arrears in installments)
Loan Modification (negotiate to lower your payment by lowering the interest rate, extending the term or reducing the principal balance)
Loan Refinance (if sufficient equity exists, refinance into a new loan with a lower interest)
Loan Forbearance (make a reduced payment for a period of time to allow you to better your position)
Short payoff (settle the debt for less than the principal balance)
Pre-Foreclosure Sales
Short Sales (sell the property at market price paying a reduced payoff to the lender)
Deed-in-Lieu of Foreclosure (return the property to the lender in exchange for release of the mortgage and debt)
Bankruptcy (through our attorney referral service)

Title Insurance

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The law firm of Cuevas, Ortiz & Cubas, P.A. operates its title insurance practice through Palmetto Title Services, Inc.

Palmetto Title Services, Inc. is a title agent for Attorneys’ Title Insurance Fund and Old Republic National Title Insurance Company (Attorneys’ Title Fund Services, LLC). The firm provides a full range of title insurance and closing services including residential and commercial purchase and refinance transactions, 1031 Exchanges, title opinions and escrow services. Palmetto Title Services has closed transactions with a vast number of banking institutions and credit unions operating in Florida.

Leasing

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The firm also represents landlords and tenants in negotiating and preparing leases for residences, office buildings, shopping centers and other commercial properties. The firm also represents landlords and tenants in eviction actions.

PRACTICE AREAS

OUR PRACTICE AREAS

REAL ESTATE LAW