19 Nov (O) Understanding Legal Opportunities (O) Understanding Legal Opportunities Thursday, November 19, 2015 (4:00 PM to 7:00 PM) City Hall The Restaurant, Miami, Florida Details You're Registered! DescriptionLocationInstructors 3:30pm Registration, 4pm until 5:30pm Program, 5:30pm until 7pm cocktail Networking Reception Listen, Learn and then Network... This event will cover those life-changing events that impact your clients and your business. Our expert panelists of a Family Circuit Court Judge, a Probate Circuit Court Judge, a U.S. Bankruptcy Court Trustee, a divorce attorney and a REALTOR all deal with bankruptcies, divorce and probate. These unfortunate situations can both stall a deal or create new opportunities for real estate agents. Please note that the Judges cannot give legal advice or discuss specific cases. Special Update on TRID! New changes went into effect for residential real estate transactions on October 3, 2015. Most residential transactions involving a mortgage will use new disclosure forms created by the Consumer Financial Protection Bureau (CFPB). Consumers will receive a new form called the Loan Estimate when they apply for a loan, and the Closing Disclosure will be used at closing instead of the HUD-1. The Truth-in-Lending Act/RESPA Integrated Disclosure (TRID) rules create timing requirements for lenders' delivery of these new disclosure documents to consumers. Transactions may be delayed if certain changes occur near closing. Lenders must deliver the Closing Disclosure to buyers at least three business days before closing. Most last-minute changes will require a revised Closing Disclosure and certain changes will require another three-business-day waiting period. City Hall The Restaurant City Hall The Restaurant2004 Biscayne BlvdMiami, FL 33137 Map & Directions James A. Marx, Esq Vice Chair of the Florida Realtor-Attorney Joint Committee Marx Rosenthal, PLL Carlos Gutierrez, P.A. Gutierrez Group Miami Real Estate Keller Williams 2016 Residential President, MIAMI REALTORS Abby Cynamon Circuit Court Judge Family Court Division Eleventh Judicial Circuit of Florida Michael Genden Circuit Court Judge Probate Court Division Eleventh Judicial Circuit of Florida Vanessa Vasquez de Lara Attorney at Law Vasquez de Lara Group Kenneth A Welt, P.A. Trustee, Conservator & Receiver