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Short Sale Document with House Keys on Wooden Table
Mortgage Law Real Estate
Real Estate Law

What is a short sale?

March 26, 2026 • By Jack Gilbert
A short sale is when a homeowner sells a property for less than the mortgage balance, and the lender approves accepting the lower payoff. It’s called “short” because there’s a shortfall in funds, not because the process is fast. This article explains how short sales work, requirements, timelines, and potential impacts on sellers and buyers. […]
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House with Foreclosure Sign in Front Yard
Bankruptcy & Debt Foreclosure Protection
Mortgage Law

What is foreclosure?

March 26, 2026 • By Jack Gilbert
Foreclosure is the legal process a lender uses to seize and sell a home after missed mortgage payments to recover the loan balance. It begins after a borrower defaults and can proceed through judicial or nonjudicial steps depending on state law. This article explains how foreclosure works, common stages, and homeowner protections and options. Foreclosure […]
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House Model with Keys and Mortgage Paperwork
Home Buying Mortgage Law
Real Estate Law

What is a mortgage?

March 26, 2026 • By Jack Gilbert
A mortgage is a real estate loan used to buy property, secured by the home itself as collateral. If you don’t make the required payments, the lender can foreclose and take ownership under state law. This article explains how mortgages work, including payments, interest, terms, and foreclosure basics. A mortgage is a loan specifically used […]
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Title Insurance Policy Document with House Keys
Insurance Coverage Real Estate Law

What is title insurance?

March 26, 2026 • By Jack Gilbert
Title insurance is a one-time policy that protects your ownership (and your lender’s interest) against past title problems like liens, fraud, or recording errors. It pays covered legal defense and losses if a valid claim threatens your property rights. This article explains how it works, what it covers, exclusions, and typical costs. When you’re buying […]
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Legal Deed Document with Pen and House Keys
Legal Definitions Property Law
Real Estate Law

What is a deed?

March 26, 2026 • By Jack Gilbert
A deed is a written legal document that transfers real estate ownership from a grantor to a grantee, usually signed and notarized. Once delivered and typically recorded with the county, it provides public proof of who owns the property. This article explains how deeds work, what they include, and common deed types. A deed is […]
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Personal Items Including Jewelry and Electronics
Property Law Property Rights and Ownership

What is personal property?

March 26, 2026 • By Jack Gilbert
Personal property is any movable property not permanently attached to land or buildings, including tangible items and intangible rights. Unlike real property (land and fixtures), personal property can generally be transported or transferred separately. This article explains personal vs. real property, common examples, and how it’s treated legally. Personal property is everything you own that […]
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Real Estate Property with House and Land Illustration
Property Law Property Rights and Ownership
Real Estate Law

What is real property?

March 26, 2026 • By Jack Gilbert
Real property is land and anything permanently attached to it, such as buildings, structures, and fixed improvements. Unlike personal property, it generally cannot be moved without altering or damaging the land. This article explains the definition of real property and how it differs from personal property. Real property is a legal term that refers to […]
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Diverse Employees with Equal Pay Symbols Above Them
Compensation and Benefits Employment Law
Equal Pay

What is pay equity?

March 26, 2026 • By Jack Gilbert
Pay equity means employees are paid fairly for work of comparable value, regardless of gender, race, or other protected traits. It looks beyond identical job titles to compare roles with similar skills, effort, responsibility, and working conditions. This article explains pay equity vs. equal pay and how comparable-worth comparisons work. Pay equity means that employees […]
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Diverse Age Groups of Professionals Standing Together
Age Discrimination and Protection Employment Discrimination
Employment Law

What is age discrimination?

March 26, 2026 • By Jack Gilbert
Age discrimination is workplace bias based on age, and in the U.S. the ADEA protects workers age 40 and older. It can include hiring, firing, pay, promotions, or harassment tied to age stereotypes. This article explains what it is, key examples, and what to do if you suspect age-based unfair treatment. Understanding Age Discrimination in […]
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Two People Shaking Hands over a Contract
Contract Law Contracts
Non-Disclosure Agreements

What is a non-disparagement agreement?

March 26, 2026 • By Jack Gilbert
A non-disparagement agreement is a contract in which 1 or both parties promise not to make negative or damaging statements about the other. It’s commonly used in employment, settlement, and divorce matters to protect reputations, including restrictions on social media. This article explains how these agreements work, what they cover, and what happens if they’re […]
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Background Check Process with Magnifying Glass
Background Checks Know Your Rights
Legal Definitions

What is a background check?

March 26, 2026 • By Jack Gilbert
A background check is a screening process that reviews at least 3 areas—identity, work/education history, and criminal records—to confirm a person’s information. Employers, landlords, and organizations use it to reduce risk and ensure candidates meet requirements. This article explains what background checks include, why they’re used, and what to expect. A background check is a […]
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