YOU SHOULD HIRE AN ATTORNEY TO…Refinance Your Home

By DAVID C. MINICOZZI, Attorney at Law (Branford, CT)

The trend lately is for banks and mortgage companies to perform “notary only” refinances. Homeowners are told it is convenient and cost-effective. What isn’t discussed is that someone needs to obtain the Release of the old mortgage, file it at the Town Hall, and clear your title. Failure to do so will impair your ability to sell or further refinance your home. You also may not be provided the option to obtain Owner’s Title Insurance. This protects you from future claims against your home due to a faulty title search, boundary disputes and other frightening scenarios. Attorneys are excellent at explaining these issues, facilitating the refinance process, clearing up lingering issues from the original purchase, and answering your questions along the way. A notary will not do this. The attorney will explain the legal significance of the important documents you sign. A notary will not (and by law shall not) explain them because they act only in the capacity of an official witness. Massachusetts has taken steps to mandate an attorney be used in residential refinance transactions. They recognize a refinance is an important transaction that affects your most important possession: your home.

In today’s world, an unfortunate trend exists to discount the use of an attorney in certain type of situations. People are told “oh, it’s just a simple transaction,” or “anyone can write that,” or my favorite, “you can save time and money by having a notary or a paralegal do it, or even do it yourself.” Maybe. But by the time you find out a mistake was made it may be too late.

Don’t let that happen to you. Call The Law Office of David C. Minicozzi 203-483-7069 or 203-804-0841 to schedule a consultation today.

Celebrating 30th Year in Practice

Branford Attorney David Minicozzi has been practicing law since 1988 and began his own practice in 1994. Today, the Law Office of David C. Minicozzi offers assistance with personal injury, real estate, family law, wills and probate, criminal and civil matters.

Attorney Minicozzi received his B.A. in political science from the University of Connecticut, and earned his degree in Law from Western New England University School of Law in Massachusetts. He is a member of the New Haven County Bar Association, and a Certified Divorce Mediator.

Dave is an affiliate sponsor of the New Haven-Middlesex Association of Realtors. He actively supports the community through involvement in the East Haven Chamber of Commerce, the Branford Lions Club, the Branford Green Committee, the Widow’s Son Masonic Lodge #66 A.F. & A.M., and St. John Bosco Parish in Branford. He was twice honored as a Branford Chamber of Commerce Volunteer of the Year, and received the New Haven Lions Club Knight of the Blind Award and the Melvin Jones Award. Dave has been a shoreline resident since 1974 and lives with his wife Joann in Branford.

“From the beginning, my goal has been to provide personal service to each and every client. I strive to be accessible, affordable and efficient in the delivery of quality legal services.”

Home Buyer Seminar

Buying a home is one of the biggest decision you will make, and it’s important to be equipped with the right information before you start the journey. Join us on Saturday, October 28 from 9:30am-11:30am at the Blackstone Memorial Library (Branford) to learn all about the home buying process and what you can expect.

  • buying vs renting
  • how much home can you afford
  • financing options and the loan process
  • finding the home that is right for you
  • making the offer
  • what to expect up until the closing

If you are thinking of purchasing a home in the near future, this seminar is for you! Bring a friend and have all of your questions answered.

Saturday, October 28th
9:30am-11:30am

at the Blackstone Memorial Library
758 Main Street, Branford

PRESENTED BY
Dave Minicozzi, The Law Office of Dave Minicozzi
Christine Watson, Key Bank
Rob Stack, Keller Williams Realty

Free and oen to the Ppublic. For more information, please call 203-804-0841.

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