Saturday, March 26, 2011

Take a Trip Down Merrick Memory Lane

Villa Castile, 1256 Castile Ave, Coral Gables SOLD for $1,325,000.00

If you have a passion for the charming vintage homes championed by the founder of Coral Gables, George Merrick, don't miss an opportunity to see one from the 1920's that had fallen upon hard times and lay a crumbling ruin in the middle of a very fancy Coral Gables neighborhood. Now this ruin has regained its glory and then some with a sublime and academically correct restoration and large addition. www.VillaCastile.com

Friday, July 9, 2010

Congress to eliminate new appraisal rules (Home Valuation Code of Conduct)

Amendment to Eliminate HVCC Still Alive in Financial Reform Bill [HousingWire]

An amendment to the Dodd-Frank Wall Street Reform Bill that would eliminate the Home Valuation Code of Conduct (HVCC) survived congressional debates last week, according to one representative’s office.

A congressional conference last week took place to reconcile both versions of the House and Senate financial reform bills. As it stands now, the HVCC would be eliminated 90 days after the bill is signed. A new set of “appraisal independence standards” would replace it, according to the bill.

The Federal Housing Finance Agency (FHFA) implemented HVCC in May 2009 in an attempt to improve the independence of appraisers by prohibiting lenders and third parties from influencing appraisals. It’s a controversial regulation, leading to an increase in demand for appraisal management companies (AMCs) and complaints from independent appraisers who claim they’re being cut out of the market.

But the “appraisal independence standards” will be written and announced 60 days after the bill is passed. The bill, unlike HVCC, allows Fannie Mae or Freddie Mac to accept any appraisal report completed by an appraiser selected or paid by a mortgage loan originator.

The bill also stipulates that the new standards will include a requirement that lenders and their agents pay appraisers at market rates.

Download Dodd-Frank Finance Bill 2010

Per appraiser Dave Towne: Click above for the full bill as approved by the Congress conference committee on Friday 6/25/2010, now technically known as the “Dodd-Frank Wall Street Reform and Consumer Protection Act.”

Friday, June 4, 2010

Coral Gables Events

It's First Friday Gallery Night again, plus Taste Of The Gables. Restaurant Week begins June 7th. Who said things slow down in our little city during the summer? You wouldn't know it by the following list of Great Gables Events...

Gables Gallery Night

Join the fun every first Friday when Gables Gallery Night attracts collectors and young professionals to the art galleries, sidewalk tapas bars, fine restaurants and clubs in safe, comfortable downtown Coral Gables. Whisked between galleries aboard free air-conditioned minibus limousines or the city's quaint trolleys, thousands of visitors join local residents at Greater Miami's liveliest monthly event. Enjoy complementary refreshments, stroll through exhibitions of contemporary and modern Latin American, North American, and European art including paintings, sculptures, textiles, works on paper and photography, along with art books, in a downtown area chock full of fascinating boutiques. Top off your evening in one of Coral Gables' celebrated dining spots, all within easy walking distance.

Gables' Restaurant Week: June 7 to 20

Now in its third year, Coral Gables Restaurant Week will preview on June 4 with Taste of the Gables and will officially launch on June 7 and run through June 20. During these two weeks, participating restaurants will offer special three-course lunch and dinner menus at savings of at least 20 percent. Guests (21 years and older) will also have the chance to try the Original Bacardi Mojito Cocktail, the official cocktail of Coral Gables Restaurant Week, at participating restaurants with full bars. Advance reservations are recommended as many restaurants book completely during this popular promotion. Restaurants taking part in Coral Gables Restaurant Week include Anacapri, Angelique Euro Cafe, Bangkok Bangkok II, Benihana, Bugatti, Caffe Abbracci, Caffe Vialetto, California Pizza Kitchen, Da Vittorio, Fleming's Prime Steakhouse & Wine Bar, Graziano's Restaurant, Il Grissino, John Martin's Irish Pub & Restaurant, La Cofradia Ceviche Bar, La Dorada, Le Provencal, Morton's The Steakhouse, Ortanique on the Mile, Pardo's Peruvian Cuisine, Pasha's, Por Fin Restaurant & Lounge, Red Koi Thai & Sushi Lounge, Ruth's Chris Steakhouse, Spris, Sushi Maki, Tarpon Bend, The Globe, and The Bar. http://www.coralgablesrestaurantweek.com/

Norman's 180 Update

At 180 Aragon in the Colonnade, the crew at Norman's 180 is getting ready to fire up the grills and start training for their impending grand opening. It's down to the wire with last minute finishing touches, so stay tuned to this channel for an announcement with more details very soon.

The Mainly Mozart Festival Continues

Make plans to enjoy these remaining programs of wonderful and engaging chamber music, played on Sunday afternoons. The Festival comprises seven Sunday concerts, all at 4:30pm, and a special free concert for children on Saturday, June 26, at 4pm. Included in the programs are grand works which are known and loved: compositions by Mozart, Schubert, Schumann, Brahms, Dvorak, and other composers. Concerts tickets are $20. For complete details call 305-444-4755. http://www.mainlymozart.com/

Scuba Diving Season Is Here

Whether you're a seasoned scuba diver or you've always wanted to take the plunge, now is the time to get set, get wet and enjoy the awesome beauty of the underwater world here is South Florida. For good advice on how to proceed, contact Robin Burr, our favorite scuba instructor in Coral Gables for her Personal Scuba Instruction program. Kids, jet-setters, families, scouts and adventurers of all types are welcome. Call 305-448-5401. http://www.personalscubainstruction.com/

Children's Summer Fun At The Biltmore

This summer the Biltmore Hotel is offering fun programs and activities where children will discover new interests, learn valuable skills, and most importantly make new friends. Call 305-445-1926. http://www.biltmorehotel.com/

Free Summer Camp At Books & Books

It's summer fun at its best: you're going to camp, Books & Books style. So, leave the bug spray at home. Join up with friends for games, contests, crafts, storytelling, book clubs and more, just for kids. It's free every Saturday at 11am at Books And Books, 265 Aragon. Call 305-442-4408. http://www.booksandbooks.com/kids

Summer Camp At Fairchild Farm 2010

Get ready for a great summer camp at the Fairchild Farm. Children ages six to ten will be empowered while learning about natural resources connected through the arts and science, with a focus on developing projects over the course of four weeks. Call Leila Werner at 305-258-0464 or email: lwerner@fairchildgarden.org


Father's Day At The Biltmore

Plan ahead to treat dad to a fabulous weekend at the Biltmore Hotel June 18-20 with plenty of options to please every paternal preference, from golf and spa packages to champagne brunch and festive dining at the best restaurants in Florida. Call about weekend getaway packages and gift cards: 305-445-1926 for details. http://www.biltmorehotel.com/

Por Fin Two-For-One and Half Price

Wine lovers rejoice with half price bottles of wine at Por Fin, 2500 Ponce every Monday, Tuesday and Wednesday. Friday and Saturday Happy Hour features two-for-one drinks from 5 to 8pm, with $5 tapas. Call 305-441-0107. http://www.porfinrestaurant.com/



Benihana Chef's Special

Now at Benihana, 242 Miracle Mile, you and a loved one can enjoy "Filet Mignon and Hibachi Chicken For Two" for just $39. Call 305-567-2000. http://www.benihana.com/



Pierre's French Cleaners Summer Specials

A Coral Gables tradition, Pierre's French Cleaners is committed to meeting the challenges and needs of their customers. Everything is cleaned and tailored on the premises, which means excellent quality control. If you are heavily invested in your wardrobe, they will be heavily invested in your satisfaction with customer service that goes above and beyond what one would normally expect. Call 305-441-1015 or check out the special promotions and coupons available on their website: http://www.pierresfrenchcleaners.com/


Fairchild Palms: Mangoritaville On July 17

It's flip-flops, breezy summer shorts and dresses as the Fairchild Palms transform the garden (10901 Old Cutler Road) into a tropical oasis of sweet mango cocktails, savory island favorites and live music by The Rejects on Saturday, July 17 during the 18th annual International Mango Festival. Advance tickets are now on sale for $40 and they will sell out. http://www.fairchildpalms.org/


Family Fun Packages At The Biltmore Hotel

Now through September 30th, enjoy great rates and great amenities at the Biltmore Hotel, starting at $239 a night for a two night stay, including daily breakfast for two, plus kids 12 and under eat free; complimentary kid's amenities and activities; 20% discount on all kid's programs; plus special values for moms and dads with 20% off on golf and spa packages. Call 305-445-1926. http://www.biltmorehotel.com/


June Spa Wake Up

During the entire month of June, book a Biltmore Spa 50-minute massage or facial at 9am and pay an exclusive promotional rate of $99. Enjoy the amenity bar with coffees, teas, juices, fruits and yogurts after your treatment. Please mention this promotion at the time of booking when you contact the spa concierge at 305-913-3187. http://www.biltmorehotel.com/spa.php




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Friday, June 4   First Friday Gallery Night



Chamber's Annual Golf Classic Tees Off

At noon, golfers will take to the links at The Biltmore Golf Course for the 2010 Coral Gables Chamber Golf Classic, presented by TotalBank. The Biltmore Golf Course is an 18-hole, par 71 championship course designed by Donald Ross. For information on registering a foursome or for sponsoring the Golf Classic, contact the Chamber's Senior Event Manager Erica Dominguez at 305-446-1657. http://www.coralgableschamber.org/



South Florida Arts Beat On WLRN

Tune in at 1pm to WLRN 91.3 FM to hear Ed Bell's South Florida Arts Beat program to stay abreast of cultural events in our community. You can also listen live on the internet. http://www.wlrn.org/



New Friday Night Happy Hour At JohnMartin's

JohnMartin's is the place to be with the launch of a new Friday Night Happy Hour from 4 to 8pm that will calm the soul and feed the stomach. Live bands start at 9:30pm, so meet up with friends at JohnMartin's at 253 Miracle Mile. Call 305-445-3777. http://www.johnmartins.com/



Fleming's 5 For 6 'til 7

Come in to Fleming's Prime Steakhouse and Wine Bar at 2525 Ponce before 7pm to enjoy a variety of 5 great wines, 5 popular cocktails and 5 delicious appetizers all for $6. The large delicate crab cakes, the big plate of fried calamari, the seared ahi tuna with wasabi sauce, the filet mignon carpaccio toped with fresh parmesan cheese and the grilled shrimp in spicy chili sauce are fantastic, and quite a bargain at $6 each. Their Prime Sirloin Burger with cheese and bacon is also $6. The selection of fine wines and lovely cocktails at $6 are equally sublime. Call 305-569-7995. http://www.flemingssteakhouse.com/



Bar Bites At Morton's Until 6:30

Stop into the Morton's Steakhouse bar Monday through Friday from 5 to 6:30pm or later from 9:30 to 11pm for some great deals on their popular Bar Bites appetizers for only $5 or $6. Can't believe it? Choose the Miniature Prime Cheeseburger Trio with more than half a pound of USDA prime-aged beef with cheddar cheese, tomato slices, lettuce and onion. Or, choose the Four Petite Filet Mignon Sandwiches served with mustard mayonnaise sauce. Or the triplet of delicious crab cakes. How about the Chicken Goujonettes crispy strips served with mustard mayonnaise sauce or the blue cheese fries -- or the crab, artichoke and spinach dip? You can also order Morton's Prime Burger and French Fries in the Bar for only $15. Call 305-442-1662. http://www.mortons.com/



Hoppy Hour Beer Tasting At Morton's Steakhouse

Morton's The Steakhouse, 2333 Ponce, is hosting a beer tasting and pairing event from 6 to 7:30pm, teaming up with Dogfish Head Craft Brewery (one of my favs). They're going to be pairing craft beers with cheeses (and you thought only wine went with cheese) and Morton's Petite Filet Mignon Sandwiches, Tuna Tartar Canapés, Smoked Salmon Wedges and Lamb Chops with Brie. Tickets are $45. Morton's will be donating $5 of every ticket to Make-A-Wish Foundation. Call 442-1662. http://www.mortons.com/coralgables/



Second Annual Taste Of The Gables

Be there when Restaurant Week kicks off with a great tasting of the Gables' finest restaurants from 6 to 8pm in the breezeway between Tarpon Bend (65 Miracle Mile) and Fritz and Franz Bierhaus (65 Merrick Way). Enjoy an evening of food, fun and live music by Nil Lara to start the celebration of Coral Gables Restaurant Week from June 7th to June 20th. Taste samplings from participating restaurants and vote on your favorite dish. General admission is $10 in advance and $15 the day of the event with a portion of proceeds to benefit Feeding South Florida. The event is sponsored by Bacardi, our new neighbor in Coral Gables. http://www.coralgablesrestaurantweek.com/



Jazz At The Biltmore Lounge

Enjoy classic jazz performances by the Popo Delgado duo, Mike Levine duo, Silvano Monasterios duo and the Gabriel Saenz duo each Friday evening at the Biltmore Lounge, 1200 Anastasia, with cocktail specials by 10 Cane Rum and Belvedere Vodka. Call 305-445-1926. http://www.biltmorehotel.com/



Wine Tasting at Angelo & Maxie's Steakhouse

Meet up with friends for a special tasting event hosted by wine educator Barry Alberts at Angelo & Maxie's Steakhouse located in Mayfair House from 7 to 9:30pm featuring international wine selections. The cost is $15 per person and there is no need to RSVP. Call 305-793-3120.



Tomás Sánchez in Focus At Cernuda Art Gallery

This one-person show at Cernuda Arte, 3155 Ponce, features a reception from 7 to 10pm. Highlights of the exhibit include a group of fifteen magnificent works by the Contemporary Master, Tomás Sánchez. View canvases and works on paper dating from the 1970s to the present. Don't miss Lake Shore, 1986, a quintessential chant to nature's beauty by Sánchez. Other standouts include, Waterfall and Daybreak, 2008, where Sánchez infuses the image with a spiritual force and a state of awareness reached through meditation. Call 305-461-1050. http://www.cernudaarte.com/



Vistas: Landscapes Interpreted At Virginia Miller

The environmental catastrophe of the Deepwater Horizon Well underscores the need for artists like Kyle, represented by a seven-foot installation and five other three-dimensional works in our current exhibition, to remind us of the fragility of our ever-shrinking planet. One of his six-foot constructions, "Wekiva River," was borrowed from this show at ArtSpace Galleries by the Naples (Florida) Museum of Art for its second "Contemporary Florida" exhibition. You're invited to the reception from 7 to 10pm at Virginia Miller's ArtSpace Galleries, 169 Madeira. Call 305-444-4493. http://www.virginiamiller.com/



Grand Opening of RDZ Fine Art

You are cordially invited to the grand opening of RDZ Fine Art at 37 Merrick Way from 7 to 10pm, featuring new original works by Greg Busch, Stephen Kasun, Jose Grillo, Steve Kuzma and Yuri Martinez Ramos. Guests can enjoy treats and fine wine. Call 305-720-5172. http://www.rdzfineart.com/



Legends Of Golf Wine Dinner At Fleming's

Partake in a unique celebration of food, wine and memorable times as Fleming's Steakhouse and Wine Bar uncorks a round of wines by three legendary golfers who are also great winemakers: Arnold Palmer, Greg Norman and Ernie Els. Tee off with Tenderloin and Brie Tartine served with Greg Norman's Sauvignon Blanc North Coast, 2008, followed by Seared Bay Scallops with Wasabi "Green" Sauce accompanied by Arnold Palmer's Chardonnay Central Coast, 2008. Hit the fairway with Grilled Bison Ribeye and Fresh Herb Chimichurri paired with Ernie Els' Guardian Peak Frontier Western Cape South Africa, 2007. Finish the 19th hole with Dark Chocolate Hazelnut Mousse Cake. This evening of dining above par will cost you $55 per person. Reservations must be made by phone at 305-569-7995. http://www.flemingssteakhouse.com/



18 Wheelers At The Bierhaus

Enjoy the lively toe-tapping rhythms of the 18 Wheelers at Fritz and Franz Bierhaus, 65 Merrick Way, starting at 8pm. It's happy hour from 5 to 7 with half price draft beer house wine and house liquor. Call 305-774-1883. http://www.bierhaus.cc



Lev Grossman: The Magicians

Quentin Coldwater is brilliant but miserable. A senior in high school, he's still secretly preoccupied with a series of fantasy novels he read as a child, set in a magical land called Fillory. Imagine his surprise when he finds himself unexpectedly admitted to a very secret, very exclusive college of magic in upstate New York, where he receives a thorough and rigorous education in the craft of modern sorcery. At once psychologically piercing and magnificently absorbing, The Magicians (Viking Adult, $16) boldly moves into uncharted literary territory, imagining magic as practiced by real people, with their capricious desires and volatile emotions. Lev Grossman creates an utterly original world in which good and evil aren't black and white, love and sex aren't simple or innocent, and power comes at a terrible price. Meet the author at Books And Books, 265 Aragon at 8pm. Call 305-442-4408. http://www.booksandbooks.com/



John Rabe At Cosford Cinema

Based on a true story, John Rabe tells the tale of a German businessman who rescued more than 200,000 civilians during the so-called "Nanking Massacre" in China. Drawing from John Rabe's 1937 diaries as source material, Academy Award Winner Florian Gallenberger has crafted a portrait of a man revered as a saint in China to this day and yet never rewarded for his courage during his lifetime. An Official Selection at the Berlin Film Festival. Winner of 4 Golden Lolas, Germany's top film prize, for Best Film, Best Actor, Best Costume and Best Production Design. The film begins at 9:30pm at Cosford Cinema on the second floor of the Memorial Classroom building on UM campus. $8, ($6 seniors) cash only. Call 305-284-4861. http://www.cosfordcinema.com/



Midnight Launch Party

Don't miss the highly anticipated midnight launch party for Stephenie Meyer's The Brief Second Life of Bree at Books And Books, 265 Aragon at 9:30pm. Call 305-442-4408. http://www.booksandbooks.com/





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Saturday, June 5



Tropical Audubon Native Plant Sales

The South Florida Tropical Audubon Society is on a mission to make Miami greener, literally. Join them for their native plant and used book sale at the Doc Thomas House, 5530 Sunset Drive from 9am to 5pm. Experts will provide guidance on which plants to use to attract birds and butterflies. For purchases over $200 and a donation, delivery is available. They can also use volunteers to set up beforehand (June 3 and 4 at 3pm) and at the actual plant sales. Call 305-667-7337. http://www.tropicalaudubon.org/



Jazz At The Biltmore Lounge

Enjoy classic jazz performances by the Popo Delgado duo, Mike Levine duo, Silvano Monasterios duo and the Gabriel Saenz duo each Saturday evening at the Biltmore Lounge, 1200 Anastasia, with cocktail specials by 10 Cane Rum and Belvedere Vodka. Call 305-445-1926. http://www.biltmorehotel.com



Saturday Live Music At Angelique Euro Cafe

Join Angelique Euro Cafe at 117 Miracle Mile for an evening of fine wine, authentic European fare and an eclectic performance by award-winning guitarist Rodolfo Troncoso. This Chilean-born entertainer's unique blend of classical and South American styles, along with his personal brand of Rumba Flamenca, will set the mood for an amazing evening of music you won't soon forget. Call 305-529-9922. http://www.angeliqueeurocafe.com



Unreasonable Doubt At Miracle Theatre

A new play by South Florida playwright Michael McKeever, Unreasonable Doubt was a winning play of Actor's Playhouse Pen to Stage Contest presented in a staged reading at the Miracle Theatre in June 2008. Unreasonable Doubt is full of insight and compassion, and a penetrating look at American justice and how it sometimes fails the society it's meant to protect with revenge and redemption intersecting in this thought-provoking drama. Unable to touch the man who savagely raped and murdered his daughter, Ty Boswoth does the next best thing; he kidnaps the defense lawyer who put the killer back on the street. Unreasonable Doubt uses one family's tragedy to explore the impact of a legal system grown ineffectual in our society, as a tiny cabin in the woods becomes a courtroom for the American justice system itself. Performances at Miracle Theatre, 280 Miracle Mile, are Thursday through Saturday evenings, plus Sunday matinee through June 6. Call 305-444-9293. http://www.actorsplayhouse.org/



Everyone Else At Cosford Cinema

A young couple's relationship is pushed to the brink while vacationing in the Mediterranean in this smart, sexy drama from acclaimed new filmmaker Maren Ade. On the surface, Chris and Gitti appear blissfully in love while enjoying the sun and sand of Sardinia. But as they spend more time together, their playful teasing and silly games begin to unmask hidden fears and desires. When they accidentally run into another, seemingly happier and more successful couple, the tensions between them erupt. The film begins at 8pm at Cosford Cinema on the second floor of the Memorial Classroom building on UM campus. $8, ($6 seniors) cash only. Call 305-284-4861. http://www.cosfordcinema.com/



Barbara Levenson: Justice in June

Mary Magruder Katz is about to find herself in the eye of storm. Miami in June: it's raining, it's pouring, but the life of criminal defense attorney Mary Magruder Katz is anything but boring -- especially when she gets caught up in a whirlwind of three different cases. Judge Liz Maxwell's job, sanity, and reputation are at stake, and she needs Mary to ferret out wrongdoing in Miami's courts. Can she weather the storm? Ride out the cold front that settles over her once-hot romance? Salvage what remains of her -- and her clients' reputations? For Mary Magruder Katz, this month's forecast calls for trouble. (Oceanview Press, $24.95) Meet the author at Books And Books, 265 Aragon at 8pm. Call 305-442-4408. http://www.booksandbooks.com/



Live Music at JohnMartin's

Drop into your favorite Irish Pub to hear the best live music at JohnMartin's, 253 Miracle Mile every Saturday evening. Enjoy the Blacksmith, a refreshing combination of Smithwick's Ale and Guinness. Call 305-445-3777. http://www.johnmartins.com/



Titanic Presents Live Music

Enjoy excellent pub food and drink, plus live music starting Saturday evening at 10pm at Titanic Brew Pub, 5813 Ponce. Call 305-667-ALES. http://www.titanicbrewery.com/





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Sunday, June 6



Tropical Audubon Native Plant Sales

The South Florida Tropical Audubon Society is on a mission to make Miami greener, literally. Join them for their native plant and used book sale at the Doc Thomas House, 5530 Sunset Drive from 9am to 3pm. Experts will provide guidance on which plants to use to attract birds and butterflies. For purchases over $200 and a donation, delivery is available. They can also use volunteers to set up beforehand (June 3 and 4 at 3pm) and at the actual plant sales. Call 305-667-7337. http://www.tropicalaudubon.org/



Brunch And Jazz At Angelique Euro Cafe

Stop by Angelique Euro Café at 117 Miracle Mile this Sunday for a decadent brunch from 10am to 4pm featuring live Brazilian jazz. A prix fixe menu includes authentic European-inspired dishes and your choice of select brunch beverages for just $24, as well as a la carte choices. Can't make it on Sunday? A Spring Savings menu is now available Monday through Wednesday featuring lunch for two for $17 or dinner for two with a bottle of wine for just $49. Call 305-529-9922. http://www.angeliqueeurocafe.com/



Sunday Brunch At The Biltmore

Enjoy a stunning display of fine foods at the Biltmore's Fountain Restaurant from 10am to 2pm as you're literally surrounded by the most elaborate spread of gourmet items in South Florida. This bountiful buffet features seafood and caviar, carved meats, made-to-order omelets, sushi, pastas, salads, tapas, quiches, artisanal cheeses, specialty dishes, a chocolate fountain and endless desserts. Enjoy live music by Juan Areco and his trio. The French champagne is flowing, the service is remarkable and the setting is perfect for entertaining guests and family members for special occasions. Biltmore Brunch is now offering a choice of additional specialty drinks including: Mango Bellini, Peach Bellini, Bloody Mary & Bloody Caesar, naturally we still have Champagne of the month & Mimosas. Reserve early; it usually sells out in advance. Call 305-913-3202. http://www.biltmorehotel.com/dining/brunch.php



Sunday Tours Of Merrick House

Every Sunday at 1, 2 and 3pm, enjoy a tour of this unique treasure at 907 Coral Way by docents and historical experts. The majestic house, on the National Register of Historic Places, is the boyhood home of George Merrick, founder and developer of the City Beautiful. Cost is $5 for adults; $3 for seniors and students with ID; $1 for children; free for kids five and under.



Free Sunday Tours Of The Biltmore Hotel

The Biltmore Docents, members of Dade Heritage Trust, offer a free walking tour of the Historic Biltmore Hotel each Sunday at 1:30, 2:30 and 3:30pm, starting in the upstairs lobby by the front desk. When available, they take you to the 13th floor where the murder took place that created the ghost of the Biltmore. These 55 minute tours are free. Call the hotel at 305-445-1926. http://www.biltmorehotel.com/



Live Caribbean Music Poolside

Enjoy a live performance of Caribbean acoustic guitar and flamenco rhythms by Jacky & Strings at the Biltmore Hotel's Cascade Poolside Bar and Restaurant each Sunday from 1 to 5pm. Enjoy half price cocktails by 10 Cane and Bacardi Superior Rum. Call 305-445-1926. http://www.biltmorehotel.com/



La Cena Dello Chef Prix-Fixe Family Style Dinner

Enjoy a delicious menu for four or more at the Biltmore's La Fontana Restaurant each Sunday. The family that eats together, stays together. Enjoy an appetizer, choice of two first course selections and two main course specialties. The cost of this family style dinner is $35 per person, or $14 for kids 4 to 11 years old. Call 305-913-3200. http://www.biltmorehotel.com/dining/fontana.php



Mainly Mozart Festival Continues

The Amernet String Quartet performs for the Mainly Mozart Festival at the Grand Ballroom of Coral Gables' Westin Colonnade Hotel at 4:30pm, featuring pieces by Mozart, Shostakovich, and Dovarak. Expert commentary on each composition is given by Professor Frank Cooper. There are unique door prizes given during intermission, refreshments after the performance, and an opportunity to speak with the musicians. Tickets cost $20. Featured compositions are listed on the web site. http://www.mainlymozart.com/



NBA Finals: Celtics vs. LA Lakers

Sports Exchange is featuring the NBA Finals on their big screens starting at 8pm at 45 Miracle Mile. Mention Great Gables for your first draft or well drink on the house during any NBA Finals game. Bud and Bud Light specials: 5 for $16. Show your team spirit by wearing any Lakers or Celtics memorabilia and your group will receive complimentary SuperBowl Nachos. Coming soon: World Cup Soccer. Call 305-774-1222. http://www.thesportsexchangemiami.com/



Karaoke Night At Titanic

Grab the microphone and sing your favorite songs Sunday evening at Karaoke Night at Titanic, hosted by Boogie Man George with the largest songbook in Miami. Karaoke starts at 9pm at Titanic Brew Pub, 5813 Ponce. Call 305-667-ALES. http://www.TitanicBrewery.com





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Monday, June 7

Restaurant Week Begins



Cardio Fit with Juan Hidalgo

Looking for the perfect combination of heart pumping cardio and intense strength training? Cardio Fit with Juan Hidalgo combines non-stop cardio and weights, designed for increased calorie burn and a total body workout from 8 to 9am at the BIltmore Hotel. Please call to pre-register for these classes the night before. Classes may be reserved 24 hours in advance. Promptness is extremely important due to setup instruction. Tardiness will result in a replacement from the waiting list. Call 305-913-3102. http://www.biltmorehotel.com/



Gables' Restaurant Week: June 7 to 20

Now in its third year, Coral Gables Restaurant Week will run through June 20. During these two weeks, participating restaurants will offer special three-course lunch and dinner menus at savings of at least 20 percent. http://www.coralgablesrestaurantweek.com



Prix Fixe Restaurant Week Menu At Fleming's

Fleming's Prime Steakhouse and Wine Bar at 1515 Ponce presents an exceptional prix fixe menu ($39.95) for your indulgence from June 7 to 20. The meal starts with an appetizer (choice of one) Fleming's Salad or French Onion Soup. The entrée choices are Filet topped with melted Gorgonzola, Chicken Saltimbocca, or Broiled Scottish Salmon. Side dish choices are Parmesan Mashed Potatoes or Creamed Spinach. For dessert, choose Walnut Turtle Pie or Crème Brûlée. Call 305-569-7995 http://www.flemingssteakhouse.com/locations/fl/coral-gables/Default.aspx?



Liz L. Alexander: The House of M. Lucretius

Is it possible that we live many lifetimes? How might those lives and relationships play out in the present? Do we carry burdens of responsibility, fear, or guilt, as well as love from lifetime to lifetime? The House Of M. Lucretius (Archebooks Publishing, $29.99) answers these questions. Meet the author at Books And Books, 265 Aragon at 8pm. Call 305-442-4408. http://www.booksandbooks.com





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Tuesday, June 8



The Collection Audi Quattro Cup

Best Buddies of Miami and The Collection invite you and a guest to participate in the first annual The Collection Audi Quattro Cup Charity Golf Tournament, with registration starting at 7:30am and 8:30am shotgun start at the Biltmore Golf Course, 1200 Anastasia. $150 minimum donation per golfer is requested. The winning team will be eligible to participate in the Audi Quattro Cup U.S. Final to be held at the Kiawah Island Golf Resort in South Carolina August 27-29. Contact Cynthia Gay via email: cynthiagay@bestbuddies.org http://www.bestbuddiesflorida.org/quattrocup



Tarpon Bend Happy Hour

Meet up with friends at Tarpon Bend, 65 Miracle Mile from 3 to 9pm for happy hour specials along with the fresh catch of the day and an amazing array of seasonal raw bar items. Call 305-444-3210. http://www.tarponbend.com



Petanque Tournament At The Biltmore

The Biltmore hosts the only organized petanque tournament in Miami each Tuesday from 6 to 8pm where beginners and experts can play this fun and exciting game. Enjoy half price cocktails by Veuve Clicquot and Belvedere Vodka. Weekly drawing winner receives Sunday champagne brunch for two. Call 305-445-1926. http://www.biltmorehotel.com



Fathers' Day Event at Village Of Merrick Park

Enjoy a night filled with fashion, fun and great deals with proceeds benefiting The Oscar Project, Voices For Children and University Of Miami Pediatric Center as the Village of Merrick Park presents Fathers' Day Shop 'Til Your Drop from 6 to 9pm, sponsored by Just Ask Boo. Shoppers will indulge in complimentary light bites provided by Sawa Restaurant and Lounge; in addition, cocktails and treats will be served at various stores throughout the center. Shoppers who stop by any participating retailer will receive great discounts and incentives on purchases made throughout the night. Shoppers will also have the opportunity to enter to win fabulous raffle prizes from their favorite stores. Participating stores include Furla, Lacoste, Emilio Robba, Canali, Elemis Spa and Yard House, among many others. Tickets may be purchased online for $15 or on-site for $20. Proceeds will be given to The Oscar Project, Voices for Children and University of Miami Pediatric Center; buyers will be able to allocate donations to their charity of choice. http://www.VillageOfMerrickPark.com/Events



Beers Of The World Tasting

The Biltmore's Cellar Club presents a special tasting event featuring a symphony of flavors, featuring domestic microbrews to exotic imports from around the world at this beer lover's extravaganza. The event begins at 7pm at the Country Club Ballroom. The cost is $25 for guests and complimentary for Cellar Club members. Call 305-913-3203. http://www.thecellarclub.com



Greater Miami Symphonic Band Grande Finale

The 85-member Greater Miami Symphonic Band will bring its 31st season to a rousing close with a June Grande Finale concert at 8pm in Maurice Gusman Concert Hall, 1314 Miller Drive. Music Director Gary Green, Conductor Robert Longfield and Associate Conductor Tom Keck will all provide musical leadership as the band explores a variety of musical literature that's sure to bring enjoyment to all. The program will feature pieces by Sousa, Fillmore, Alfred Reed, Grainger and Shostakovich and is made possible in part by the generous support of the City of Coral Gables. Tickets are $10 for adults and $5 for students and will be available at the concert hall box office one hour before the performance. For those who would prefer purchasing tickets in advance, or would like more information, call the GMSB Hotline at 305-273-SOUSA (7687). http://www.gmsb.org



Jonathan Eig: Get Capone!

Based on newly released government documents and wiretaps, Get Capone! (Simon & Schuster, $28) tells the story how the nation's most-wanted criminal was "really" caught. Meet the author at Books And Books, 265 Aragon at 8pm. Call 305-442-4408. http://www.booksandbooks.com



NBA Finals: Celtics vs. LA Lakers

Sports Exchange is featuring the NBA Finals on their big screens starting at 9pm at 45 Miracle Mile. Mention Great Gables for your first draft or well drink on the house during any NBA Finals game. Bud and Bud Light specials: 5 for $16. Show your team spirit by wearing any Lakers or Celtics memorabilia and your group will receive complimentary SuperBowl Nachos. Coming soon: World Cup Soccer. Call 305-774-1222. http://www.thesportsexchangemiami.com





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Wednesday, June 9



Tarpon Bend Happy Hour

Meet up with friends at Tarpon Bend, 65 Miracle Mile from 3 to 9pm for happy hour specials along with the fresh catch of the day and an amazing array of seasonal raw bar items. It's also Sophisticated Ladies Night At Tarpon Bend every Wednesday, with two-for-one entrees and fabulous spa and jewelry prizes. Call 305-444-3210. http://www.tarponbend.com



Thomas E. Lodge: The Everglades Handbook

Tom Lodge's The Everglades Handbook (CRC Press, $59.95) bridges the gap between popular and scientific literature. Originally from Cleveland, Ohio, Lodge started a fascination with the Everglades in 1966, after choosing to spend a day in the heart of our National Park while awaiting housing to start graduate studies at the University of Miami's Department of Biology. Through his studies, his strong interest in wildlife photography, and subsequent work as an ecological consultant, he developed a knack for explaining detailed science in lay terms -- the hallmark of the book's three editions. The current, 3rd edition (April 2010) continues the tradition started in 1994 as a text for South Florida ecology courses (advanced high school and introductory college) as well as a manual for those interested in Everglades natural history and restoration. What is new includes an added chapter, "Peripheral Ecosystems of the Everglades" that explores coastal ecosystems that have been altered by manipulation of Everglades' waters: the Caloosahatchee/Charlotte Harbor system, the St. Lucie/Indian River Lagoon, the Loxahatchee River, Lake Worth, and close to home -- Biscayne Bay. Extensively updated throughout, it is also hard cover and full color. Meet the author at Books And Books, 265 Aragon at 8pm. Call 305-442-4408. http://www.booksandbooks.com



Blues Jam At Titanic

Wednesday is Blues Jam night at Titanic, hosted by Chris Cosner and his band, starting at 9pm. Titanic Brew Pub is located at 5813 Ponce. Call 305-667-ALES. http://www.TitanicBrewery.com





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Thursday, June 10



Mojito Madness Thursdays At Tarpon Bend

Stop into Tarpon Bend at 65 Miracle Mile Thursday for $3.50 Mojitos all day, including Watermelon, Blackberry, Grapefruit, Pineapple and Cantaloupe. The happy hour runs from 3 to 10pm with 2 for 1 drinks. Call 305-444-3210. http://www.tarponbend.com



Bossa Nova Lounge at Cascade

Enjoy the best of Brazilian jazz with a bossa nova performance by singer and guitarist Rose Max at the Biltmore's Cascade poolside bar from 6 to 9pm with half price cocktails by Bacardi and Grey Goose. Call 305-445-1926. http://www.biltmorehotel.com



Live Jazz at Angelique Euro Café

Enjoy live jazz each Thursday starting at 6:30pm plus Angelique's unique Bubbly Specials: $4 Cavas, $10 Champagne by the glass. Social Hour Specials from 4 to 8pm include $3 draft beer pints, $5 premium wines by the glass, $4 sinful Bloody Marys plus $6 selected bar snacks at Angelique Euro Cafe, 117 Miracle Mile.



Maine Lobster Paella At Por FIn

Thursday is Maine Lobster Paella Night at Por Fin, 2500 Ponce. Call 305-441-0107. www.porfinrestaurant.com



Bouillabaisse Night At Palme d'Or

Chef de Cuisine Philippe Ruiz adds his culinary touch to the classic Provençal Bouillabaise each Thursday evening at the Biltmore Hotel's famed Palme d'Or restaurant for $39 or $59 with wines. Call 305-913-3201. http://www.biltmorehotel.com/dining/palme.php



Team Trivia At JohnMartin's

Every Thursday evening starting at 8pm, play a great game of team trivia at JohnMartin's, 253 Miracle Mile. Call 305-445-3777. http://www.johnmartins.com



Gregory Koger: Filibustering

In the modern Congress, one of the highest hurdles for major bills or nominations is gaining the sixty votes necessary to shut off a filibuster in the Senate. But this wasn't always the case. Both citizens and scholars tend to think of the legislative process as a game played by the rules in which votes are the critical commodity -- the side that has the most votes wins. In this comprehensive volume, Gregory Koger shows, on the contrary, that filibustering is a game with slippery rules in which legislators who think fast and try hard can triumph over superior numbers. Filibustering (University of Chicago Press, $24) explains how and why obstruction has been institutionalized in the U.S. Senate over the last fifty years, and how this transformation affects politics and policymaking. Koger also traces the lively history of filibustering in the U.S. House during the nineteenth century and measures the effects of filibustering -- bills killed, compromises struck, and new issues raised by obstruction. Unparalleled in the depth of its theory and its combination of historical and political analysis, Filibustering will be the definitive study of its subject for years to come. Meet the author at Books And Books, 265 Aragon at 8pm. Call 305-442-4408. http://www.booksandbooks.com



NBA Finals: Celtics vs. LA Lakers

Sports Exchange is featuring the NBA Finals on their big screens starting at 9pm at 45 Miracle Mile. Mention Great Gables for your first draft or well drink on the house during any NBA Finals game. Bud and Bud Light specials: 5 for $16. Show your team spirit by wearing any Lakers or Celtics memorabilia and your group will receive complimentary SuperBowl Nachos. Coming soon: World Cup Soccer. Call 305-774-1222. http://www.thesportsexchangemiami.com





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Enjoy your quality time in Coral Gables and stay tuned to this channel for more Great Gables Events.



-Rob



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Saturday, May 1, 2010

Putting the NEW in OLD Spanish homes

Are you an "old house person" or a "new house person"?  Most people can tell you immediately which type of home they prefer but if there is any doubt take this test and you can probably figure it out;

You are probably an Old House Person if;

1. In general, you revere things which have a past, a history and which have attained dignity through maturity having withstood the "test of time".

2. You feel a connection to objects that are still and quiet but which you sense have a power and a richness, forged in a long ago time by human hands, which can never be duplicated.

3. You feel most comfortable in a space that has been designed in accordance with the concept of  "The Golden Mean".

4.  In any home you consider you value utility when it is clever and takes advantage of  renewable resources like sunlight or thermodynamics or cross ventilation and you abhor the wastefulness of homes with no such cleverness of design.

5. You prefer a home's architectural ornamentation to be more Frank Lloyd Wright than LasVegas

6.  You feel that hairline cracks and dents and floors that creak and walls that are not always "true"  in an old home are no cause to abandon the place and are as part of the natural order of things as are wrinkles on the face of someone you love.

7.  You feel it is a privilege and an honor to carry on a tradition of caring for and loving a worthy structure born of human ingenuity, craftsmanship and knowledge of beauty.

Now, if you are a "New House Person" you:

1.  Are like an explorer, happiest when you are the first to have discovered something new that no one else has ever laid claim to.

2.  Are not willing to be forever ready to leap into "fix-it mode" and prefer your home to  be self-sufficient and not always begging for help.

3. You prefer to live in a space that is a blank slate ready for your imprint and unfettered with the baggage of the past.

4. You must have the very latest, hot off the presses technological innovations in appliances, sound systems, wi-fi, lighting and security systems.

5. You want to enjoy your home not fight with it or try to appease it or perfect it.


Now for those of you who harbor both New and Old House character traits you might find the perfect marriage in these 2 new Coral Gables listings:

                     909 Algaringo Avenue for $1,350,000.

                             and 645 Minorca for $649,000.00

Read all about them at http://www.gableshistorichomes.com/

Tuesday, January 26, 2010

Coconut Grove Landmark Home SOLD

SOLD!
3710 DeGarmo Lane
http://www.villadegarmo.com/
VILLA DEGARMO
Coconut Grove
$2,975,000.
Walter DeGarmo, Architect
Built in 1921, gated community, 19,770 sq’lot 7761 sq’
Laura Mullaney 305 790-1000

HOME SALES UP AS PRICES STABILIZE


According to the Miami Herald on Tuesday, January 26, home prices are up and prices are stabilizing particularly in Coral Gables and the Roads Section of Miami. According to the Herald article, the National Association of Realtors predicts the housing recovery will gain momentum in the second half of 2010. The influence of historically low mortgage interest rates, plummeting prices and the various home-buyer tax credits such as the $8000.00 first time home-buyer tax credit are cited as the main reason for the recovery.

Qualified buyers who have signed a real estate contract to buy a primary residence by April 30 have until June 30th to close the purchase to be eligible for up to $8000.00 for first time buyers and $6,500.00 for repeat buyers.

Friday, January 8, 2010

Fannie Mae changes for Florida CONDOS

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STATEWIDE:
Fannie Mae Relaxes Florida Condo Standards

Fannie Mae is seeking to prop up Florida's ravaged real estate market by reviewing hundreds of condo projects in the state that currently don't qualify for its loans. The mortgage finance company said Thursday that buildings deemed stable after the review will be given a special approval lasting up to 18 months. If they are approved, lenders will be allowed to offer mortgages to homebuyers and sell those loans to Fannie Mae, which pools them into bonds and sells them to investors SOURCE AP

Wednesday, December 2, 2009

LOAN MODIFICATIONS

Press Release FROM US TREASURY
Updated: November 30, 2009
November 30, 2009
Contact: Office of Public Affairs, (202) 622-2960

OBAMA ADMINISTRATION KICKS OFF
MORTGAGE MODIFICATION CONVERSION DRIVE

WASHINGTON - The U.S. Department of the Treasury and Department of Housing and Urban Development (HUD) today kick off a nationwide campaign to help borrowers who are currently in the trial phase of their modified mortgages under the Obama Administration’s Home Affordable Modification Program (HAMP) convert to permanent modifications. The modification program, which has helped over 650,000 borrowers, is part of the Administration’s broader commitment to stabilize housing markets and to provide relief to struggling homeowners and is a primary focus of financial stability efforts moving forward. Roughly 375,000 of the borrowers who have begun trial modifications since the start of the program are scheduled to convert to permanent modifications by the end of the year. Through the efforts being announced today, Treasury and HUD will implement new outreach tools and borrower resources to help convert as many trial modifications as possible to permanent ones.

"We are encouraged by the pace at which trial modifications are now being made to provide immediate savings to struggling homeowners," said the new Chief of Treasury’s Homeownership Preservation Office (HPO), Phyllis Caldwell. "We now must refocus our efforts on the conversion phase to ensure that borrowers and servicers know what their responsibilities are in converting trial modifications to permanent ones." In her new role, Caldwell will lead HPO’s conversion drive efforts.

"Encouraging borrowers to move through the process of converting trial modifications to permanent modifications remains a top priority for HUD," said HUD Assistant Secretary for Housing and FHA Commissioner David Stevens. "As a part of our continuing efforts to improve the execution of the HAMP program, HUD is committed to working with servicers, borrowers, housing counselors and others dedicated to homeownership preservation to improve the transition of distressed homeowners into affordable and sustainable mortgages."

With tens of thousands of trial modifications being made each week, the Administration is now working to ensure that eligible borrowers have the information and the assistance needed to move from the trial to the permanent modification phase. (All mortgage modifications begin with a trial phase to allow borrowers to submit the necessary documentation and determine whether the modified monthly payment is sustainable for them.) As the first round of modifications convert from the trial to permanent phase, the Administration has identified several strategies for addressing the challenges that borrowers confront in receiving permanent modifications.

In addition to the conversion drive that kicks off today, the Obama Administration has already taken several steps to make the transition from trial to permanent modification easier and more transparent by:

Extending the period for trial modifications started on or before September 1st to give homeowners more time to submit required information;
Streamlining the application process to minimize paperwork and simplify the submission process; meeting regularly with servicers to identify necessary improvement to borrower outreach and responsiveness;
Developing operational metrics to hold servicers accountable for their performance, which will soon be reported publicly;
Enhancing borrower resources on the MakingHomeAffordable.gov website and the Homeowner’s HOPE Hotline (888-995-HOPE) to provide direct access to tools and housing counselors.

The Mortgage Modification Conversion Drive will include the following:

Servicer Accountability. As part of the Administration’s ongoing efforts to hold servicers accountable for their commitment to the program and responsibility to borrowers, the following measures will be added:
Top servicers will be required to submit a schedule demonstrating their plans to reach a decision on each loan for which they have documentation and to communicate either a modification agreement or denial letter to those borrowers. Treasury/Fannie Mae "account liaisons" are being assigned to these servicers and will follow up daily as necessary to monitor progress against the servicer’s plan. Daily progress will be aggregated by the end of each business day and reported to the Administration.


Servicers failing to meet performance obligations under the Servicer Participation Agreement will be subject to consequences which could include monetary penalties and sanctions.


The December MHA Servicer Performance Report will include the data on permanent modifications as well as the number of active trial period modifications that may convert by the end of the year if all borrower documents are successfully submitted, sorted by servicer and date.


Servicers will be required to report to the Administration the status of each modification to provide additional transparency about situations where borrowers face obstacles to moving to the permanent phase.


Web tools for borrowers. Because the document submission process can be a challenge for many borrowers, the Administration has created new resources on www.MakingHomeAffordable.gov to simplify and streamline this step. New resources include:
Links to all of the required documents and an income verification checklist to help borrowers request a modification in four easy steps;


Comprehensive information about how the trial phase works, what borrower responsibilities are to convert to a permanent modification, and a new instructional video which provides step by step instruction for borrowers;


A toolkit for partner organizations to directly assist their constituents;


New web banners and tools for outreach partners to drive more borrowers to the site and Homeowner’s HOPE Hotline (888-995-HOPE).


Engagement of state, local and community stakeholders. Through the conversion drive, the Administration is engaging all levels of government - state, local and county - to both increase awareness of the program and expand the resources available to borrowers as they navigate the modification process.
HUD will engage staff in its 81 field offices to distribute outreach tools. HUD will also encourage its 2700 HUD-Approved Counseling Organizations to distribute outreach information to participating borrowers.


By engaging the National Governors Association (NGA), National League of Cities (NLC) and National Association of Counties (NACo) the Administration is connecting with the thousands of state, local, and county offices on the frontlines in large and small communities across the country who are hardest hit by the foreclosure crisis. These offices will now have the tools to increase awareness of the program, connect with and educate borrowers and grassroots organizations on how to request a modification and take the additional steps to ensure they are converted to permanent status; and serve as an additional trusted resource for borrowers who are facing challenges with the program.


In partnering with the Conference of State Bank Supervisors and the American Association of Residential Mortgage Regulators, state regulators will now have enhanced tools to assist borrowers who are facing challenges in converting to a permanent modification and to report to the Administration on the progress and challenges borrowers and servicers are facing on the ground. Regulators will also be empowered to work directly with escalation and compliance teams to ensure that HAMP guidelines are consistently applied.

More information about the Obama Administration’s mortgage modification program can be found at www.MakingHomeAffordable.gov.

Sunday, November 8, 2009

First Time Homebuyer Tax Credits extended

President Obama has signed into law the extension and expansion of the Homebuyer Tax Credit, which is part of the Unemployment Compensation Extension Act (H.R. 3548).

The bill provides a new incentive for existing homeowners who have owned their current homes at least five years, making them eligible for tax credits of up to $6,500 when they purchase a new home. I believe this provision benefitting existing home owners, combined with historically low interest rates, will help a large number of qualified move-up buyers who have been sitting on the sidelines, hesitant to list their current homes, if they act now!

The bill also extends the previous incentive for first time homebuyers – or anyone who hasn’t owned a home in the last three years. Those buyers will still get up to an $8,000 refundable tax credit.

The legislation includes other qualification provisions. For example, the credit is available only for the purchase of principal homes (no second or vacation homes) costing $800,000 or less and the credit is eliminated for individuals with annual incomes above $125,000 or couples with incomes above $225,000.

To qualify under either provision, buyers must sign a purchase agreement by April 30, 2010 and close by June 30, 2010. This is likely to be the last tax credit that the government will offer to first-time and move-up buyers. The window of opportunity is shorter than it may seem, especially for potential buyers who need to list and sell their existing homes. We must do everything we can to help them take complete advantage of it.

Thursday, September 17, 2009

Could you have an illegal mortgage and not know it?

From the Sun-Sentinel


> Posted by Daniel Vasquez on September 16, 2009 10:50 AM in the Sun-Sentinel

Apparently a majority of Florida attorneys say homeowners are not typically the first to realize they have a mortgage with terms that violate their consumer rights, such as hidden fees or balloon payments they were not told about at signing.

The culprits: Predatory lenders who took advantage of consumers willing to sign anything to get their dream home.

If you've been through the loan process, you realize how confusing the forms and laws can be. Many consumers found out the hard way that they were tricked into signing a bad mortgage, and many will find out soon, according to the Consumer Mortgage Audit Center, which analyzes loan data and problems.

The Center hosted a recent webcast poll in which nearly 64 percent of Florida lawyers who responded said that most homeowners with problematic mortgages are clueless about it. Also, most respondents warned that more mortgage violations and predatory lending will be "detected" in the coming 12 months as opposed to the past 12 months.

Best practices that the Consumer Mortgage Audit Center recommends to homeowners nearing or in foreclosure are:

Compare your HUD-1 document, which buyers get at settlement to outline most costs, with the same lender’s good faith estimate. If the figures on your HUD-1 and your good faith estimate look different, it may be time to call an attorney.

If you suspect there are violations in your mortgage paperwork but can’t be sure, take the time to consult an attorney. Your legal team will appreciate your efforts to be proactive, rather than reactive.

Look for an attorney in your area who handles foreclosure defense cases, as they’re typically most familiar with national homeowner’s rights, as well as laws designed to protect borrowers in your state. Most foreclosure attorneys do not charge for an initial consultation; further, if an attorney wins the foreclosure case against a lender, the lender is responsible for paying the homeowner’s attorney fees.

About the poll: The Consumer Mortgage Audit Center sponsored a Continuing Legal Education webinar for attorneys on July 31, 2009. Of the attorneys in attendance, 47 who practice in Florida shared their opinions, which were used in the above release. Responding attorneys specialize in foreclosure defense (42.6 percent), general practice (17 percent) and real estate (17 percent).