What does the FMLA mean to me?

The Family and Medical Leave Act provides important protections to employees throughout the United States. Unfortunately, many employees are not aware of the act or what rights it provides them - leading many businesses to violate the act, knowingly or not. Whether you’re a business owner or an employee, ensuring that your workplace follows the rules of the FMLA will allow for a healthier environment and prevent Read More

Florida Insurance Reform Brings Competition, and Potentially Change, to Market

Over the past few years, the market for home insurance in Florida has been tumultuous, to say the least. You’re likely already aware of this, or at least have noticed your premiums seemingly skyrocketing - an issue that insurance companies claim stems from Florida’s homeowner insurance statutes, and other litigation surrounding Citizens Property Insurance Corp., the state-owned “insurer of last resort”.  The Florida Read More

Making Sense of Vaccine Mandates

One of the largest points of conflict for Americans during the pandemic has been on vaccine mandates. Regardless of opinions on the topic, it’s important for business owners to keep up to date on the regulations to keep out of trouble. Unfortunately, messaging throughout the pandemic and details of regulations have been cloudy, if not outright confusing. In January, the federal courts struck down vaccine mandates for Read More

Beware of Wire Transfer Scams During Your Next Closing

Closing on a new home is an exciting moment for anyone - but that moment could quickly turn to one of unparalleled disappointment, thanks to wire transfer scams. These scams have only risen in popularity since their inception, including an over 480 percent increase in 2016, leading to multiple billions of dollars stolen from potential homeowners. The next time you purchase a home, keep these tips in mind to avoid Read More

Facing Foreclosure? Sell Your Home First!

Low inventory has always been a key component of a seller’s market in Florida. Unfortunately, the pandemic has had a detrimental impact here, and demand for new homes has far outstripped supply. This factor, along other market challenges, hints at an upcoming wave of foreclosures. Moratoriums ended months ago and, last September, foreclosures increased by 17 percent in the Orlando area.  If financial challenges have Read More

Florida Homeowners—Now is the Time to Sell

Mortgage rates for Florida homebuyers and refinancers continue to creep up in signs of a market correction. Prime rates have hovered just above 3 percent for months now, and they currently stand at around 3.5 percent.  Last month, our blog covered the need for homeowners sitting on the fence to refinance mortgages. Homeowners are still in a good spot to refinance or sell. The market can still be considered a seller’s Read More

Refinancing Your Home Right Now May be the Best Move

You’re in a difficult situation at the moment. The current mortgage rates are incredibly tempting, but you don’t plan on selling for at least another few years. It can be tough to get the stars to perfectly align for a home sale—more on that in next month’s blog—but it just might be the right time to refinance.  A typical mortgage rate for well-qualified borrowers is just above 3 percent. The best predictions at the Read More

4 Ways Employers Often Violate the FMLA (Family and Medical Leave Act)

As COVID-related work leave is ending and things gradually get back to normal, many workers still have FMLA leave for serious health conditions. The FMLA (Family and Medical Leave Act) grants certain workers 12 weeks of unpaid leave per year. Employers with at least 50 employees are required to offer FMLA leave to employees who have been with the company for one year and worked at least 1,250 hours during the Read More

Will the Red-Hot Housing Market Cool Off Anytime Soon?

To the surprise—and relief—of many Floridians, the COVID-19 pandemic did little to quell the motivations of home buyers AND sellers. In fact, home prices went soaring, as buyers showed few signs of delaying their purchases, partly buoyed by historically low interest rates.  Vaccines are now going into arms. The economy is slowly coming back, COVID-19 variants notwithstanding. And, the Federal Reserve is poised to Read More

Changes to Florida Homeowners Insurance

A bill which was passed by the Florida legislature on the last day of the most recent legislative session, signed by Gov. DeSantis, and went into effect on July 1, 2021 aims to provide some relief for homeowners insurance policyholders who’ve seen their premiums dramatically increase in recent years. The bill, SB 76, implements several changes to existing state insurance laws to accomplish this, but Florida Read More