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Author Archives: George H. Dippel, Attorney at Law
I lost the original deed to my New York home. Will I have a problem selling my home?
Clients ask me this question quite often. The answer is almost always no. I believe the common misconception that a homeowner needs their original deed in order to sell their home arises from their experience with another document of ownership, … Continue reading
Posted in Real Estate
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Do I need homeowners insurance if I’m buying a co-op or condo?
Cooperative Apartment Corporations and Condominiums have “master” or “blanket” insurance policies insuring their buildings against fire and other hazards. But should you also have your own insurance policy? You definitely should! The blanket or master policy does not cover your … Continue reading
Posted in Real Estate
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How can I avoid probate of a will in New York?
In a recent post I mentioned that the probate of a will in New York may often be delayed if an heir is not provided for in the will. In such a case, the law allows the heir the opportunity … Continue reading
Posted in Wills,Trusts and Probate
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My Spouse recently passed away. Do I need to change my deed? What if we owned a cooperative apartment? Must I change my stock certificate?
When married couples purchase real property in New York State, such as a one-family home or condominium unit, they own it as “tenants-by-the-entirety.” The law provides that when one spouse dies, the surviving spouse is, by operation of law, the … Continue reading
Posted in Real Estate, Wills,Trusts and Probate
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How can I reduce my closing costs when refinancing my mortgage in New York?
When buying a home in New York State and especially in New York City, mortgage tax can often be the single largest component of your closing costs. For example, the mortgage tax in New York City for a mortgage, under … Continue reading
Posted in Real Estate
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What Can Delay Probating a Will in New York?
In a recent post, I discussed the meaning of “Probating a Will” in New York State. If there are no complications, the process will typically result in the Court issuing Letters Testamentary in a few weeks, officially appointing the person … Continue reading
Posted in Wills,Trusts and Probate
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I’ve made an offer on a house but the broker has told me it involves a “short sale.” How does that affect me as a buyer?
Short Sales have become more common as more and more homeowners find themselves “Under Water,” meaning that they owe more on their mortgage than their home is worth. Normally, a homeowner Under Water would not be able to sell their … Continue reading
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What does it mean to “Probate a Will” ?
This is a common question asked by clients. “Probate” is the process by which the court, which in New York State is called the Surrogate’s Court, determines whether or not a document is a valid Last Will and Testament of … Continue reading
Posted in Wills,Trusts and Probate
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