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Law Offices of Louis D. Stober, Jr., L.L.C.
We provide experienced employment/discrimination, personal injury, probate and estate planning, traffic violations, and real estate law representation from our Mineola office.
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June 2019 Archives

Understanding mortgage loan-to-value ratios

Many thinking of taking out their first mortgage have heard the phrase “loan-to-value” or “LTV.” With significant assets on the line, it is important for home buyers to understand this risk assessment tool. The Loan-to-Value ratio is often used to set the down payment for a home, as well as the interest rate offered by lenders

New bill could help wage-theft victims collect money owed

Numerous workers across the country experience wage theft – whether it is through minimum wage violations, failure to pay overtime, or tipping issues. However, while the Fair Labor Standards Act gives employees an avenue to hold their employers liable for unpaid wages, sometimes achieving an actual payout is difficult.

Navigating New York residential real estate transactions

New York’s real estate market is notorious for being fast-paced and high-stakes. With thousands - sometimes hundreds of thousands - of dollars on the line, a mistake can have dire consequences. Whether you are buying or selling a house, apartment, brownstone, or condo, it is important to understand the unique aspects of New York real estate law.

Three ways even a pre-approved mortgage can fall through

Purchasing a home is often a complicated, stressful process. To help things along, many first-time home buyers try to get “pre-approved” for a mortgage before finding a property. The problem is, there are still problems that can arise even if someone has been pre-approved.


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