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What an Open Claim Does to a Texas Home Sale Hail, wind and fire claims are routine in Texas, and an open claim complicates a sale in ways that are manageable if you understand who is owed what. The central question is who receives the claim proceeds. If there is a mortgage, the lender is typically named on the policy and the check is usually issued jointly. Lenders commonly hold the funds and release them in stages as repairs are completed and inspected. This is why own

Code Enforcement, Liens and Selling a House in Texas Code enforcement problems tend to accumulate quietly. A citation for tall grass or an inoperable vehicle feels minor, and it usually is, right up until the city abates the condition itself and charges the cost against the property. That is the mechanism worth understanding. When a municipality mows a lot, boards a structure, or clears debris after an owner has failed to comply, it can assess the cost and, on filing, cr

When a Texas Reverse Mortgage Comes Due A reverse mortgage lets an older homeowner draw against equity without monthly payments. The loan is not forgiven; it becomes due when a maturity event occurs, and that is usually the point at which the family first has to understand it. Maturity events are defined in the loan documents and typically include the death of the last surviving borrower, the borrower permanently leaving the home, or a breach of the obligation to ke

Selling a Texas House With Code Violations or City Liens Code enforcement problems tend to accumulate quietly. A citation for tall grass or an inoperable vehicle feels minor, and it usually is, right up until the city abates the condition itself and charges the cost against the property. That is the mechanism worth understanding. When a municipality mows a lot, boards a structure, or clears debris after an owner has failed to comply, it can assess the cost and, on filing

Selling a Texas House With Code Violations or City Liens Code enforcement problems tend to accumulate quietly. A citation for tall grass or an inoperable vehicle feels minor, and it usually is, right up until the city abates the condition itself and charges the cost against the property. That is the mechanism worth understanding. When a municipality mows a lot, boards a structure, or clears debris after an owner has failed to comply, it can assess the cost and, on filing

Dividing a House in a Texas Divorce In a divorce the house is usually the largest asset and the one with the most strings attached. Texas is a community property state, which shapes the whole question in ways that surprise people who have moved here from elsewhere. The first distinction is between community property and separate property. Broadly, what either spouse acquired during the marriage is community property. What one spouse owned before the marriage, or rec

What a Texas HOA Can Do About Unpaid Dues A homeowners association in Texas has more authority than most owners realize. Unpaid assessments are not merely a billing dispute, and in some circumstances an association can foreclose on the lien securing them. The authority comes from the recorded declaration, the document filed in the county property records that created the subdivision's covenants. When you bought, you took title subject to it. That declaration typical

Selling a Texas House That Is Full of Belongings A house packed with a lifetime of belongings is a common situation and rarely the one people plan for. It usually arrives with a death in the family, a move to assisted living, or a long decline nobody wanted to confront. The first thing worth saying is that the contents do not have to be resolved before you decide what to do with the property. Sellers routinely delay for months, paying taxes, insurance and utilities