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December 2014 Archives

Pardons in Delaware

In a previous blog post, http://www.tunnellraysor.com/blog/2014/09/how-to-remove-criminal-charges-on-your-record.shtml,  we discussed Expungments in the State of Delaware as a means to keep your criminal record clean. Expungments in Delaware are only available for individuals who had a positive outcome for their case such as a dismissal, successfully completed probation before judgment, or an acquittal. Expungments are not available for individuals who were found guilty or plead guilty to a charge.

Property zoning laws

Before purchasing property in Delaware, it is important to understand what zoning category the property falls under. The zoning category is indicative of how the property may be used by the property owner. For instance, a property could be zoned for residential, commercial or industrial use. Other zoning designations include agricultural zoning, combination zoning, esthetic zoning and historic zoning.

Determining the time to refinance a mortgage

As mortgage rates remain low, Delaware homeowners may be considering refinancing. There are several factors that weigh into the decision to refinance including timing, whether the mortgage has been refinanced in the past and the homeowner's financial status. Experts agree that it is not a good idea to refinance a mortgage more than once. This is because each time the mortgage is refinanced, closing costs are added that can erode the potential savings from reduced interest rates.