Category: Residential Real Estate

Easement Disputes in San Diego: Protecting Your Property Rights

Two neighbors discussing a property boundary over a wooden fence, representing easement disputes in San Diego.

Easements are a common part of property ownership, granting someone the right to use another person’s property for a specific purpose. These agreements often involve shared driveways, utility access, or walkways. While easements are designed to define property rights, disputes can arise when misunderstandings or disagreements occur.

If you own property in San Diego, knowing how easements work can help you protect your rights and prevent conflicts.

What Is an Easement?

An easement is a legal right to use another person’s property for a designated purpose. Common types of easements include:

  • Utility Easements – Allow utility companies to install and maintain power lines, pipelines, or communication cables.
  • Right-of-Way Easements – Provide access across another person’s property, often for driveways or walkways.

In San Diego, shared driveways and access paths are frequent sources of easement agreements. Understanding the type of easement on your property can help prevent disputes before they arise.

Common Causes of Easement Disputes

Disagreements over easements typically result from:

  • Misuse or Overuse – Using an easement beyond its intended purpose, such as parking in a right-of-way meant only for passage.
  • Unclear Agreements – When the terms of the easement are not well-defined, disagreements can arise about its scope or use.
  • Encroachment – When structures, fences, or landscaping interfere with an easement, conflicts may arise between property owners.

How to Resolve Easement Disputes in California

If you’re dealing with an easement matter, consider the following steps:

  • Review Property Records – Check your deed and easement documents to understand your rights and responsibilities.
  • Consult with Us – Our real estate attorneys can clarify the terms of the easement and guide you on potential solutions.
  • Consider Resolution Options:
      • Negotiation – Directly discuss the matter with the other party to reach an agreement.
      • Mediation – A neutral third party can help facilitate a fair resolution.
      • Litigation – If necessary, the court can determine the proper enforcement of the easement.

California law provides protections for property owners, but the specifics of each easement agreement will influence how disputes are resolved.

Preventing Future Easement Disputes

To avoid future conflicts:

  • Draft Clear Agreements – Work with our real estate attorneys to ensure that easement terms are well-defined and legally sound.
  • Survey Your Property – Regular property surveys can help identify and address boundary concerns before they become problems.
  • Get Legal Help – Consulting with our residential real estate attorneys before creating or modifying an easement can help you avoid unnecessary complications.

Easement disputes can impact property value and neighbor relationships. By understanding your rights and obtaining professional legal advice, you can resolve conflicts efficiently and protect your property interests.

Need Legal Advice?

Easement matters can be challenging, but Hoffman & Forde is here to help. Our experienced attorneys provide clear advice and effective solutions for all Easement and Real Estate concerns in San Diego.

Contact us today at (619) 546-7880 for a consultation. Let us guide you in resolving disputes and protecting your property rights.

Disclaimer: The information in this post is considered attorney advertising under applicable California Law. The contents of this post is for informational purposes only and is not legal advice. The information may be incomplete or out of date. No representations, testimonials, or endorsements on this web site constitute a guarantee, warranty, or prediction regarding the outcome of any legal matter.

How to Handle Neighbor Disputes in San Diego

Disagreements between neighbors can create unnecessary tension and disrupt the peace in your home. Whether you are a homeowner, landlord, or tenant, knowing how to effectively address these conflicts can help preserve valuable relationships, protect your property, and prevent costly legal matters.

This guide outlines common neighbor disputes, provides practical steps to address them, and explains how Hoffman & Forde, Attorneys at Law, can support you in resolving conflicts quickly and efficiently, ensuring you maintain a harmonious living environment. With the right approach, these challenges can be managed in a way that benefits everyone involved.

Whether you are dealing with confusion about where one property ends and another begins, loud barking dogs, shared common areas, or issues like poor upkeep and clutter, here are a few things you can do to mitigate the problem before getting an attorney involved.

Being aware of these situations can help you prepare for a solution.

Steps to Resolve Neighbor Disputes

  1. Talk It Out – Calmly explain the problem to your neighbor. A respectful discussion often clears up misunderstandings.
  2. Keep Records – Write down details like dates, conversations, and other related events.
  3. Try Mediation – A neutral third party can help both sides reach an agreement.
  4. Get Legal Help – When solutions feel out of reach, our experienced attorneys can provide personalized strategies to protect your rights and give you peace of mind.

San Diego Laws You Should Be Aware Of

Local rules often play a role in solving neighbor disputes. For example:

Knowing these laws can help you avoid further problems.

Need Legal Advice?

Are you dealing with property line problems, shared space disagreements, noise complaints, or other neighbor disputes?

At Hoffman & Forde, we help clients resolve these challenges by providing personalized legal solutions:

  • Property line disagreements
  • Shared space concerns
  • Noise complaints
  • Other residential neighbor problems

If you have questions about how California laws apply to your situation, our Residential Real Estate Attorneys are here to help. We can guide you through resolving these disputes and protecting your property rights.

Contact us today at (619) 546-7880 for a consultation to discuss your circumstances and learn how we can assist you.

Disclaimer: The information in this post is considered attorney advertising under applicable California Law. The contents of this post is for informational purposes only and is not legal advice. The information may be incomplete or out of date. No representations, testimonials, or endorsements on this web site constitute a guarantee, warranty, or prediction regarding the outcome of any legal matter.

Understanding HOA Rules in San Diego: Your Essential Guide

Living in a Homeowners Association (HOA) community brings perks but also a set of rules you need to follow. Whether it’s making changes to your home, handling fees, or getting involved in community decisions, knowing the HOA basics helps protect your rights and makes life smoother in your neighborhood. Here’s what you need to know about HOA rules in San Diego.

Your Rights as an HOA Member

As a homeowner in an HOA, you have rights that protect your interests and allow you to stay active in your community.

Membership and Voting Rights

When you’re part of an HOA, you get a voice in community decisions through voting rights. This allows you to help shape important matters, like budgets and community policies, based on your ownership stake. If your property is held in a family trust, trustees keep the right to vote on your behalf.

Access to HOA Records

You also have the right to access key HOA records, including financial statements, meeting notes, and vendor contracts. Submit a written request, and the HOA must provide these within ten business days. They can only charge a small fee for copies. Staying informed about community spending and decisions is a way to stay involved and protect your interests.

Making Changes to Your Property

If you want to modify your property’s exterior, the HOA has rules to keep the neighborhood looking consistent and well-maintained. Before starting any projects, submit your plans to the HOA to get approval. You’ll avoid fines and the hassle of undoing any changes. In general, projects like adding solar panels or electric vehicle chargers are allowed by law, though there may be some exceptions.

HOA Rules and Restrictions

Every HOA operates under a set of rules called the Covenants, Conditions, and Restrictions (CC&Rs). These documents explain the community standards, member responsibilities, and how disputes are handled.

Architectural Controls

If you’re planning on making visible changes to your home, like repainting or adding new landscaping, your HOA will likely need to approve these modifications. The architectural review committee checks that your project meets safety standards, aligns with the neighborhood’s look, and follows any building codes. This process helps keep the community appealing for everyone.

Pet Policies and Noise Regulations

Most HOAs set guidelines on pets and noise to keep life comfortable for all residents. Many limit the number or type of pets and set quiet hours or noise limits that often match local noise rules. Following these guidelines helps maintain a peaceful environment.

Getting Involved in HOA Meetings and Decisions

HOA meetings are where you and other residents discuss community issues and make decisions. Here’s a quick look at the types of meetings and how to get involved:

  • Board Meetings – Regular sessions open to members, often held monthly or quarterly.
  • Annual Meetings – A yearly meeting for all members to review budgets, elect board members, and discuss big decisions.
  • Committee Meetings – Smaller groups focus on specific projects, like neighborhood events or landscaping.

Voting in HOA Elections

You can participate in HOA elections either in person or by proxy if you can’t attend. Elections give you a say in the leadership that makes decisions for your community.

Understanding HOA Fees and Assessments

HOA fees cover the upkeep of shared areas and amenities. There are two main types of fees:

  • Regular Dues – Monthly or annual fees that support routine expenses like landscaping, security, and maintenance.
  • Special Assessments – One-time fees for unexpected costs or major projects that go beyond the regular budget.

If you’re having trouble with payments, many HOAs offer payment plans or other options to help. Talking with the board may reveal choices that help ease your financial burden while keeping you in good standing.

Living in an HOA community successfully means balancing your rights and responsibilities. By knowing your membership benefits, following property guidelines, and understanding fees, you’ll enjoy a smoother experience.

Need Legal Advice?

For specific advice on HOA rules in San Diego, contact us today at (619) 546-7880. We’re here to help you understand your rights and keep things simple as you handle your HOA needs.

Disclaimer: The information in this post is considered attorney advertising under applicable California Law. The contents of this post is for informational purposes only and is not legal advice. The information may be incomplete or out of date. No representations, testimonials, or endorsements on this web site constitute a guarantee, warranty, or prediction regarding the outcome of any legal matter.

Resolving HOA Disputes in San Diego

Homeowners’ Associations (HOAs) are essential to maintaining community standards, but disputes between landlords, property managers, tenants, and HOA boards can quickly arise. Understanding board duties, ensuring fair rule enforcement, and resolving fee disagreements are key issues that property owners and managers often face in San Diego and across California.

In this blog, we’ll explore the common challenges surrounding HOA disputes and the steps you can take to handle them, while ensuring compliance with California regulations.

Common HOA Disputes

1. Disputes Over Board Decisions

HOA boards make important decisions about enforcing community rules, managing budgets, and maintaining shared spaces. However, conflicts arise when homeowners, landlords, or property managers feel decisions are unfair or inconsistent. For instance, unequal enforcement of rules can lead to claims of bias or favoritism.

2. Tenant Responsibility and Communication

Landlords often face difficulties ensuring their tenants comply with HOA rules. When tenants violate rules, it’s the property owner who typically faces fines or penalties. Establishing clear communication between landlords, tenants, and the HOA can prevent many of these disputes.

3. Fee Disagreements

Fee disputes are one of the most frequent challenges within an HOA community. Whether it’s late fees, unexpected assessments, or additional charges for maintaining common areas, these disagreements can become burdensome for landlords and property managers. California law requires HOA boards to provide proper notice for fee increases or special assessments, but conflicts may still arise over fairness or necessity.

4. Staying Updated on Legal Changes

HOA boards must stay informed about changing California regulations. Non-compliance with new laws can expose boards and property owners to legal challenges. For landlords and property managers, ensuring the board is meeting its legal obligations is crucial to avoiding potential disputes.

The Role of HOA Boards – Fairness and Accountability

HOA boards are responsible for maintaining transparency and consistently enforcing rules. In California, boards must meet strict standards in managing finances and making decisions. Mismanagement, such as failing to maintain common areas or improperly handling funds, can lead to disputes and legal consequences.

For property managers and landlords, understanding the HOA’s rules and regulations—and making sure tenants comply—can prevent unnecessary challenges. Maintaining open lines of communication with tenants is also key to avoiding fines and penalties.

Fee Disagreements: A Common Problem for Property Owners

Fee disputes are one of the most common issues faced by landlords and property managers. California law provides protection for property owners by requiring HOAs to give proper notice and justification for any fee increases or special assessments.

However, even with these protections in place, disagreements can still arise. Mediation or legal advice may be needed to settle these disputes quickly and fairly.

Need Legal Advice?

Facing challenges related to HOA disputes, board responsibilities, rules enforcement, or fee disagreements?

If you have questions about how California laws apply to your situation, our Residential Real Estate Attorneys are here to guide you. We can help you resolve these disputes and ensure compliance with HOA regulations.

Contact us today at (619) 546-7880 for a consultation to discuss your specific circumstances and learn how we can assist you in managing these changes effectively.

Disclaimer: The information in this post is considered attorney advertising under applicable California Law. The contents of this post is for informational purposes only and is not legal advice. The information may be incomplete or out of date. No representations, testimonials, or endorsements on this web site constitute a guarantee, warranty, or prediction regarding the outcome of any legal matter.

Fair or Foul: What California Landlords and Property Managers may inquire from a Rental Applicant

Baseball’s postseason is a good reminder of what’s fair or foul in the profession of California property management. Just like in baseball, Landlords and Property Managers have rules to follow, especially when it comes to screening potential tenants. Although credit scores are no longer a primary topic of discussion, there are still many questions that Landlords can legally ask to determine an applicant’s suitability for a rental unit.

Questions You Can Ask

To make sure the rental process is thorough and compliant, Landlords and Property Managers can ask about:

  • Pets – Does the applicant have any pets, and if so, what kind and how many?
  • Number of Occupants – How many people will reside in the property?
  • Parking Requirements – How many parking spaces will be needed?
  • Rental History – Can their current or previous landlord provide a favorable reference?
  • Smoking Habits – Do any of the tenants smoke?
  • Waterbed Use – Does the applicant intend to use a waterbed in the rental unit?

This allows Landlords to screen tenants effectively and limits vulnerability to a lawsuit from a potential tenant who alleges harassment or retaliation.

Questions You Should Not Ask

While it’s important to be thorough, as a courtesy, Landlords and Property Managers never inquire further about a potential tenant’s:

  • Marital Status – Whether an applicant is single, married or divorced is off-limits.
  • Religious Practices – An applicant’s religion should never factor into the rental decision.
  • Intentions to Have Children – Avoid inquiries about whether an applicant plans to start or expand their family.
  • Gender – Questions about gender identity or expression are prohibited.
  • Country of Origin: Never ask about an applicant’s nationality or immigration status.
  • Disability: Avoid any questions related to physical or mental disabilities.
  • Other Protected Statuses: This includes age, race, sexual orientation, or any other protected category under California’s Fair Employment and Housing Act (FEHA).

 

Why Following These Rules Matters

Adhering to these guidelines not only ensures compliance with California’s Fair Housing laws but also establishes a fair and transparent process for all applicants. By focusing on relevant and permissible questions, Landlords can minimize the risk of legal disputes and create a positive rental experience.

Conclusion

In the rental business, as in baseball, it’s essential to know when you’re within fair territory. Understanding which questions are acceptable and which are prohibited can be the key to maintaining a lawful and efficient rental process.

 

Need Legal Advice?

If you’re a Landlord or Property Manager in California looking for guidance on rental applicant screening, our team is here to help. We provide personalized advice to ensure you’re following the right steps while protecting your interests. Whether you have questions about permissible inquiries or need assistance with landlord-tenant matters, we’ve got you covered.

Contact us today at (619) 546-7880 for a consultation to discuss your specific situation and learn how we can support you in managing these requirements effectively.

For more details about how we can help you, read more about our Landlord/Tenant services.


Disclaimer:
The information in this post is considered attorney advertising under applicable California Law. The contents of this post is for informational purposes only and is not legal advice. The information may be incomplete or out of date. No representations, testimonials, or endorsements on this web site constitute a guarantee, warranty, or prediction regarding the outcome of any legal matter.

How AB1033 Transforms ADU Ownership in San Diego

In October 2023, California passed AB1033, a state law designed to promote affordable homeownership. This legislation allows Accessory Dwelling Units (ADUs) to be converted into condominiums, contingent on local governments enacting ordinances to permit such conversions. As a result, ADUs could potentially be sold as individual units, much like traditional condominiums.
This blog post will explore what AB1033 entails and how it impacts homeowners in San Diego and potential buyers in the city.
The San Diego housing market has been challenging, making homeownership nearly impossible due to high costs. AB1033 aims to address the lack of affordable housing by opening new opportunities. Here is a detailed analysis of this important legislation.

What is AB1033?

AB1033 is a California statute governing the conversion of ADUs into condominiums for resale, contingent upon the approval of each city through the development and implementation of specific ordinances. This law seeks to help prospective homeowners by allowing builders to sell tiny homes as separate units, enhancing the housing stock.

Benefits of AB1033

  • Expanded Homeownership Opportunities – This change enables more individuals to qualify for homeownership.
  • Boosted Property Values – The addition of another saleable unit through ADUs can potentially increase property values.
  • Alleviates Housing Shortages – Developing more units of affordable housing helps tackle the housing shortage.
  • Flexibility for Property Owners – Property owners can lease or sell their ADUs, generating income either way.
  • Environmental Advantages – Promotes minimal space utilization, thereby positively impacting the community.

Potential Downside of AB1033

While AB1033 offers several benefits, there are some potential downsides:

  • Increased Property Taxes – Selling ADUs as separate units may lead to higher property taxes for homeowners.
  • Community Impact – The increased density could strain local infrastructure and services.
  • Regulatory Complexity – Depending on local ordinances and building codes, homeowners may face complex regulations and approval processes.

How does AB1033 affect homeowners and buyers?

For homeowners, AB1033 offers a lucrative opportunity to enhance property value and generate additional income. By converting ADUs into condominiums, homeowners can either sell these units to offset construction costs or generate rental income.
For prospective buyers, AB1033 opens new, more affordable pathways to homeownership. With the high cost of housing in San Diego, being able to purchase a smaller, separate unit like an ADU can make homeownership more accessible.

Balancing the effects of AB1033 involves increasing equity in housing by providing more affordable units, potentially stabilizing housing prices through a greater supply, and requiring local governments to balance the benefits of increased housing with the potential impacts on community resources and infrastructure.

Implementing AB1033

To take advantage of AB1033, homeowners need to:

  • Check Local Ordinances – Verify if local government has adopted ordinances allowing ADU-to-condominium conversions.
  • Consult with a Legal Expert – Understand the specific requirements and legal implications.
  • Apply for Necessary Permits and Approvals – Submit detailed plans and applications to the local planning department, ensuring compliance with local building codes and zoning regulations.
  • Complete the Legal Conversion – Follow the legal process, including obtaining necessary inspections and certifications.
  • List and Sell the Converted ADU – Once the conversion is complete, list the ADU for sale as an individual condominium unit.

AB1033 represents a significant shift in California’s housing policy, promoting affordable homeownership by allowing ADUs to be sold as individual units. This law offers various benefits and requires careful consideration and legal guidance for successful implementation.

What does this mean for San Diego?

At this time, most cities in San Diego County have not adopted local ordinances regarding AB1033. However, the legislation is still new, so stay tuned for updated information as this new law unfolds.

Need Legal Advice?

We can help you understand your options and explore how AB1033 can benefit you. Contact us today for a consultation at (619) 546-7880. Our intake specialist will collect the essential information needed to assess your matter.

San Diego Housing Market: Boom or Bust?

A row of colorful houses with green lawns on a sunny day. There is a sidewalk in front of the houses with trees lining the street. This is a typical scene in a suburban neighborhood.

The local housing market in San Diego has been booming, having witnessed a continuous rise in prices for many years. However, with the debt market volatility and the possibility of recession, some are concerned. As a San Diego housing market player, you need to know where things are based on historical data rather than just speculation.

This article focuses on exploring the significance of past housing cycles in San Diego. By examining the ups and downs of these cycles, we gain valuable insights into how the future might unfold.

Here are three key lessons learned from past San Diego housing cycles:

  • Sustainable Growth vs. Speculative Bubbles – San Diego’s current evolution, which is supported by a diverse economy and job market, is very unlike the housing bubble of 2008, a speculative crisis. Hence, the market is probably stable.
  • Limited Inventory, Steady Demand – San Diego’s limited land area contributes to a tight supply and consistently high prices. This holds especially true in a market where demand steadily increases from both existing residents and newcomers, making it less vulnerable to sudden price fluctuations.
  • Interest Rates Matter – Rising interest rates, currently in vogue, have a tendency to temper a bubble market. While this may decelerate the pace of price growth, a crash is unlikely, particularly given San Diego’s robust fundamentals.

A look at the numbers – a decade of steady growth

Let’s take a closer look at some recent data to understand the current market dynamics. According to Zillow, the median sales price of a single-family home in San Diego County in April 2024 was $932,000, representing a 6.5% increase compared to April 2023.

While this shows continued price growth, the rate of increase has moderated slightly compared to previous years. Additionally, the number of days homes stay on the market before selling remains low, averaging around 14 days in March 2024, which indicates continued strong buyer demand.

Looking ahead – a more balanced perspective

While the future is uncertain, historical context suggests San Diego’s housing market is likely to experience short-term fluctuations rather than the boom-and-bust cycles of the past. The city’s unique economic strengths and limited land availability create a market with inherent stability.

Experts in the field, like those at the San Diego Association of Realtors, generally don’t predict a housing market crash based on current market conditions. However, it’s important to stay informed as economic factors can change.

Need Legal Advice?

Considering buying or selling a home in San Diego’s market? Protect your investment with Hoffman & Forde, Attorneys at Law. We have extensive experience in real estate law and can guide you through the process.

Contact us today for a consultation at (619) 546-7880 and our intake specialist will converse with you and collect the essential information needed to assess your matter.

San Diego Home Prices Rising Fastest in Nation

Home for sale with a sold sign in front.

San Diego Home Prices Top National Charts, but Market Shows Signs of Shift

Understanding the Current San Diego Housing Market

 

Rising Prices Amidst Slowing Sales – What Does it Mean for You?

Let’s delve deeper into this seemingly contradictory situation.

Reasons Behind Rising Prices

  • Limited Inventory A lack of available homes for sale continues to be a major factor driving up prices. This creates a competitive environment where buyers compete for a limited pool of properties.
  • Nationwide Trend – The December data reflects a broader national trend of rising housing prices, although San Diego’s increase is steeper.

Signs of a Shifting Market

  • Slowing Sales – Despite rising prices, the number of homes sold in San Diego County significantly dropped in 2023. This suggests a potential cool-down in the market.
  • Rising Interest Rates – Higher borrowing costs are likely discouraging some potential buyers, leading to a slowdown in sales activity.

What Does This Mean for You?

  • Homeowners – If you’re considering selling your home, current market conditions could be favorable.
  • Buyers – The market may be becoming more competitive, so be prepared to act quickly on potential properties. Consulting with a real estate professional can be crucial for navigating the market effectively.

Looking Forward

The housing market is constantly evolving. While San Diego currently experiences rising prices, experts suggest market conditions are likely to change. Stay informed and consider seeking professional guidance to make informed decisions about buying or selling a home in San Diego.

Need Legal Advice?

Need legal advice specific to your situation? Schedule a consultation with us at (619) 546-7880 and our intake specialist will converse with you and collect the essential information needed to assess your matter.

Boundary and Title Disputes in California: Legal Insights

Property lines are not always where you think they are, and sometimes, the owner of a piece of real estate is not clear. Such boundary and title disputes can completely upend your life, so it’s worth looking at some of their root causes and what can be done to resolve them.

What Is a Title Dispute?

A title dispute arises when two or more parties have competing claims to the same real property. For example, one person might build a house on a plot of land only to have another claim to own that very land. The legal proceeding for settling title disputes is called a “quiet title action” because the judge will determine the actual owner and therefore “quiet” any competing claims to the land.

Here are the most common causes of title disputes:

Boundary Disputes

Adjacent property owners can disagree on exactly where the boundary line is between their properties. See more details on this below

Problems with the Deed

Errors or discrepancies in the deed can create big problems later. Most commonly, the problem with the deed is an incomplete or inaccurate description of the parcel.

Easements

An easement is a non-possessory right in real estate, meaning the easement holder doesn’t own the land or have the right to live there but does have some right to use the land in a limited way. For example, a neighbor may have an easement that allows them to cross your property to access their land, or a municipal government may have an easement to build and maintain utility lines on your land.

What to Do in a Boundary Dispute

As mentioned above, boundary disputes are a type of title dispute in which two neighboring landowners can’t agree about who owns a particular part of their respective lands. Historical use, natural terrain features, and fence lines may contribute to this misunderstanding. The problem becomes even more complicated when one builds a structure, such as a home on the disputed part of the land.

If you find yourself involved in a boundary dispute, here is some guidance on handling the situation effectively.

1. Have the Land Surveyed

The first step in resolving the dispute is to determine where the official property lines are by commissioning a property survey. The surveyor will examine county records and plot out an accurate map of what you factually own.

2. Try to Come to an Agreement with Your Neighbor

It’s best to come to an amicable agreement with your neighbor if possible. This may be as simple as building a new fence or agreeing to stay off the property. However, some agreements, such as the granting of an easement, should be formalized in writing.

3. Bring in a Mediator

Sometimes, you may not be able to agree on your own, especially if structures are involved. Bringing in an outside mediator can often help both sides reach a reasonable resolution.

4. Litigation

Obviously, litigation is not anyone’s first choice; it’s expensive, time-consuming, and can breed animosity. In some situations, however, litigation may be your only recourse. If you haven’t already hired an attorney, you definitely should at this point.

Talk to a California Real Estate Lawyer

Real estate title disputes can be tricky to unravel, and they are best handled with the help of a real estate dispute attorney. Having a lawyer’s help can often prevent the situation from escalating and will ensure that your rights as a property owner are protected. To discuss your situation with an experienced professional and figure out how to move forward, contact our office today.

Common Types of Real Estate Fraud

real estate fraud

Real estate sales and purchases are the largest financial transactions that most people will ever make, typically involving hundreds of thousands of dollars. On top of that, the process can be unfamiliar and complicated. For these reasons, real estate fraud is unfortunately common.

How do you avoid becoming a victim of real estate fraud? The best way to protect yourself is by knowing the most common types of real estate fraud. Here’s a list to get your started!

Appraisal Fraud

Appraisal fraud is one of the most common types of real estate fraud, in which the seller or buyer uses a dishonest appraisal to misrepresent the property’s value. This may be done with an appraiser willing to estimate the property’s fair market value falsely. Alternatively, the buyer or seller may alter an appraisal to be more favorable.

What You Can Do

Get your appraisal, especially if the figures don’t sound right. Mortgage lenders are well aware of this practice and often insist on hiring an appraiser from an approved list.

Title Fraud

Sellers may attempt to conceal problems with the title, or simply sell a property that does not belong to them.

What You Can Do

Buyers should use a reputable escrow service and hire a professional to investigate the title before completing the purchase.

Home Equity and Home Renovation Fraud

It’s common for homeowners to get a home equity loan to pay off debts or finance property improvements. There’s nothing inherently wrong with this; being secured by the property, home equity loans often have lower interest rates than unsecured personal loans. Unfortunately, however, many predatory lenders operate in this field, and homeowners often end up paying far more than they expected.

Such lenders may lie about the loan terms, create false urgency to pressure homeowners into signing contracts before they can read them, or even sign blank ones.

What You Can Do

Be careful when taking out a home equity loan, because your home will be on the line. Don’t let lenders pressure you into signing anything you don’t fully understand.

Foreclosure Bailout Fraud

Foreclosure bailout fraud is particularly despicable, involving stealing from people desperately trying to keep their homes. Because foreclosures are public proceedings, scammers use court records to identify their targets. They contact homeowners and offer relief by arranging a short sale to the scammer, who will rent the property back to the owner after paying thousands of dollars in upfront fees. The scammer disappears with the fees, and the homeowner has lost time and money at a critical juncture.

What You Can Do

If you need to catch up on your mortgage payments, the best course of action is to open a line of communication with your lender and try to work something out.

Get Help from a Real Estate Attorney

Those who perpetrate real estate fraud take advantage of their victims’ relative lack of knowledge. The best defense is to have someone on your side with a deep knowledge of real estate transactions and law who can identify fraudulent behavior and keep it from derailing your life.

Our real estate litigation specialists can protect you from bad actors and ensure your transaction is efficient and fair. Contact our office to discuss your situation.