Golm Law Firm PA

05/29/2026

Anyone else notice an uptick in foreclosures and short sales lately? I have several in my office right now, for the first time in nearly 20 years. It’s really sad….

CAPE CORAL, Fla. (WINK)—Cape Coral had the fifth-highest number of foreclosure filings across the country last month, according to real-estate data analytics firm ATTOM.

05/28/2026

Risky mortgages are cropping up again. I saw one in my office yesterday at 8.25% and it was clearly labeled a "No-Doc Loan" meaning the borrower didn't supply all of the usual documents necessary to qualify. 🤯🤯

A nonconforming loan doesn't meet the strict lending standards put in place after the 2008 housing bust. This means lenders loosen requirements on things like credit scores, income verification, and debt ratios. That flexibility helps some buyers qualify, but it comes with higher interest rates and less equity in the home.

Surprisingly, these types of loans have doubled in just three years and now represent nearly 6% of all originations — the highest since the housing crash.

Before signing any unconventional mortgage, have an attorney review it.

(Source: Inside Mortgage Finance / WSJ)


941-704-4049
www.golmlaw.com
[email protected]

05/27/2026

What Happens to Your LLC When You Die?
When an LLC owner dies, the business does not automatically cease to exist. Instead, ownership transfers to the deceased’s heirs or beneficiaries.

Many Florida business owners don’t realize their LLC ownership is an asset — and just like a house or bank account, it must be passed on properly. Without planning, your ownership may end up split between heirs through probate...

Options:
1️⃣ Customize your Operating Agreement
2️⃣ Include LLC ownership in your Will
3️⃣ Use a Revocable Living Trust

A little planning now = big peace of mind later.

Call: 941-704-4049
www.golmlaw.com
[email protected]

05/18/2026

Before you use that online template or ChatGPT for your operating agreement, remember this is the roadmap for how your company will be managed!

What to include in the LLC operating agreement:

Job titles and detailed role descriptions for each member
Who is responsible for day-to-day operations?
Who manages financial accounts and banking?
Who has authority to hire or terminate employees?
Expectations for each member’s time commitment, availability, and performance.
What happens upon the death or termination of a member?

**Have questions or ready to get started?**
941-704-4049
www.golmlaw.com
[email protected]

05/14/2026

Seller Financing: Benefits for Sellers

Steady Income Stream:
Generate consistent monthly income from interest payments on your property, creating a reliable financial flow.

Competitive Interest:
Set competitive interest rates that can potentially exceed traditional bank offerings, maximizing your returns.

Tax Advantages:
Potentially spread capital gains tax liabilities over multiple years using IRS installment sale rules, optimizing your financial strategy.

We offer FLAT FEE seller financing loan documents!

**Have questions or ready to get started?**

941-704-4049
www.golmlaw.com
[email protected]

05/03/2026

Real Estate Agents: Stop Avoiding Creative Deals
Many agents avoid seller financing because it feels “too different.” In truth, these deals closely resemble traditional transactions. You’ll use the same contracts—just with a seller financing addendum.

👉Learn the basics of structuring terms
👉Educate your sellers on the value of holding a note
👉Tap into a growing niche and close deals others leave on the table

The agents who thrive will be those who expand their toolbox.

**Have questions or ready to get started?**

941-704-4049
www.golmlaw.com
[email protected]

05/02/2026

End of the month = lots of happy buyers and sellers!!

05/01/2026

ATTN: Florida Businesses

You must file your annual report TODAY To avoid a $400.00 penalty.

Non-Profit Corporations must also file an Annual Report.

Do it yourself! www.Sunbiz.org