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10 STUPID THINGS JUDGES DO - #4

I am tracking the various idiocies of one Judge Jesus Nevarez, II in Tarrant County. Yet, while dealing with a set of orders from the 231st that make no sense in the mortgage lending world (aka, the real world of loan-getting), some of which are wholly inappropriate (not to mention potentially a violation of federal […]

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#3 of 10 STUPID THINGS JUDGES DO

Idiocy #3 – That a refinance loan can close before final divorce and pay an Owelty [Buy-Out] to a spouse. We have here a double-whammy. The judge ruled the impossible on August 3, 2023, then on August 16th doubled down, reaffirming this idiocy. Case Identification Cause No. 231-715459-22; In The District Court, 231st Judicial District, […]

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10 STUPID THINGS JUDGES DO

Idiocy #2 – That a judge can determine value, equity and therefore a fair and equitable buyout. Review: Introduction: Stupid judges harm you more than malicious judges do Lesson: Ignorance + Arrogance > Stupidity Idiocy #1: That a person can purchase something which they already own. Lesson: Know the difference between the purchase of property […]

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10 STUPID THINGS JUDGES DO: The Idiocies of Judge Jesse Nevarez, et al

Second installment: Idiocy #1 – That a person can purchase a property which they already own. The doctor sees all the weaknesses of mankind, the lawyer all the wickedness, the theologian all the stupidity. I am neither doctor nor lawyer nor theologian. But, according to Cipolla’s Five Laws of Human Stupidity, all of us pay […]

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10 STUPID THINGS JUDGES DO: The Idiocies of Jesse Nevarez, et al

INTRODUCTION: Stupid Judges Hurt You More Than Malicious Ones Do: The Laws of Human Stupidity In this series “10 STUPID THINGS JUDGES DO: The Idiocies of Jesse Nevarez, et al” I am exposing bad behavior in judges. Specifically, stupid behavior from judges. I use the words “stupid” and “stupidity” in their technical or clinical sense. […]

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Grey Divorce and Reverse Mortgages in Divorce Buy-Outs

Summary Reverse mortgages can be used in divorce buy-outs. But, full payment to beneficiary could be delayed a full year or more if the lender doesn’t know this secret I am sharing here. Even if an attorney does not deal with “grey divorces,” this short tutorial in divorce buy-outs with reverse mortgages will serve as […]

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Why It Is Important For Me To Preview Drafts of the Divorce Decree - Part II

In the previous blog, I discussed why every word in a borrower’s decree is read, reviewed and underwritten. Here’s the link: https://www.themortgageinstitute.com/2022/09/why-it-is-important-for-me-to-preview-drafts-of-the-divorce-decree-part-1/ The assignment of debt was the key illustration and element in the first reason why I PRE-underwrite (review prior to finalization of divorce) drafts of divorce decrees. Too much debt assignment can disqualify […]

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Why It Is Important For Me To Preview Drafts of the Divorce Decree - Part 1

I’m giving away almost all the ingredients to my Divorce-Lending “secret sauce.” This is a recipe I’ve refined over the past 20 years and it’s pure magic. It’s been the difference between mom having to sell the house and move into an apartment or keeping the little crumb-crunchers in their same bedrooms, same school, same […]

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More Adventures in “It’s Not a Cash-Out – It’s a Buy-Out”

I surely hope to soon finish my book, The Texas Cash Out vs. The PROPER DANG WAY TO DO A DIVORCE BUY-OUT. Meanwhile, I’ll just keep writing out my experiences helping divorcing folks and Divorce Lawyers get their deals taken care of. Note: This email correspondence below is dated October 7, 2021, nearly 4 years […]

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Q&A #2C: Who Determines an Ex-Spouse's Portion of "Available Equity?"

Here is the last part of this second question in my series. Just go back to the most recent posts to get the flow of thought. I pick up with the exchange between RB and me. Question (from RB) Thank you so much for sharing your expert knowledge! I've already taken over ownership, I've refinanced, […]

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