Chelsea L. Metka, Esq.

Key Takeaways Private lenders are not exempt from Florida law. The assumption that a private loan can be structured any way the lender wants is one of the most dangerous

Title insurance premiums are set by the state, which means every title company charges the same rate for the policy itself. That fact leads many buyers to assume it doesn’t

Key Takeaways Title insurance protects against past risks, not future ones. It covers unknown defects in a property’s chain of title, including prior errors, unpaid debts, fraud, and clerical mistakes

Most buyers see title insurance on their closing statement and assume it works like every other policy they own. It doesn’t. Homeowners insurance protects against a tree falling on the

A commercial lease is not a residential lease with different numbers attached. Florida regulates residential rentals heavily, layering statute and municipal rules on top of nearly every landlord-tenant interaction. Commercial