Luxury Homes, Mortgage Services and Real Estate Investing
Trealtor 
Discover Your Dream Luxury Home in Hawaii Imagine waking up every day in a stunning luxury home surrounded by breathtaking views and the soothing sounds of nature. This incredible property in Hawaii, priced at $30 million, offers everything you could dream of and more. With eight spacious bedrooms and over 7,269 square feet of living … Read more
Imagine waking up to the sound of waves crashing, with breathtaking views of the Pacific Ocean from every window. This $32 million luxury estate in Hawaii offers 6,313 square feet of pure paradise, featuring 7 bedrooms, 8.5 bathrooms, and a backyard that looks like it’s straight out of a tropical postcard. Whether you’re craving a … Read more
There’s something pretty about a sun-drenched garden that invites you to unwind, recharge, and soak in the beauty of nature. Whether you’re looking to enhance your outdoor space for relaxation, entertaining, or gardening, these seven sun-soaked garden ideas will help you create a sanctuary bathed in natural light. 1- Outdoor Lounging Nook Create a cozy … Read more
An escrow analysis is a periodic review conducted by your mortgage servicer to ensure that the funds in your escrow account are sufficient to cover upcoming expenses such as property taxes, homeowners insurance, and other related costs. The purpose of the analysis is to adjust your monthly escrow payments based on actual costs to avoid … Read more
An Escrow Analysis Statement is a document provided by your mortgage servicer that summarizes the review of your escrow account. This annual review is done to ensure that the servicer has collected enough money to cover your property taxes, homeowners insurance, and any other expenses paid through escrow. The statement helps you understand whether you … Read more
Escrow analysis schedules are generally determined by federal law and mortgage servicers rather than specific state regulations. The Real Estate Settlement Procedures Act (RESPA) is the key federal law governing escrow accounts. Under RESPA, mortgage servicers are required to conduct an escrow analysis at least once a year for all borrowers with escrow accounts, regardless … Read more
An escrow analysis shortage occurs when there aren’t enough funds in your escrow account to cover the projected expenses, such as property taxes or homeowners insurance. This can happen for several reasons, such as an increase in property taxes, insurance premiums, or miscalculations during the prior year’s escrow analysis. When an escrow shortage is identified … Read more
Escrow analysis is typically done once a year, although it can be performed more frequently if needed. The process is conducted by the mortgage servicer to review the escrow account, which holds funds for property taxes, homeowners insurance, and sometimes other related expenses like mortgage insurance. Here’s when escrow analysis is commonly done: The goal … Read more
The timeline for an executor to pay beneficiaries varies based on the complexity of the estate, local laws, and the speed at which the estate administration process is completed. So, how long does the executor have to pay the beneficiaries? Generally, an executor has a fiduciary duty to administer the estate as quickly as possible, … Read more
An executor of a will has legal authority to manage and distribute the deceased person’s estate, but there are certain things they cannot do. Some key limitations include: An executor is expected to act in the best interest of the estate and its beneficiaries, always in compliance with the law and the terms of the … Read more