Review Mortgage Lenders

Navigator Mortgage

Royal Caribbean Cruise Lines's Navigator of the Seas Sail Away 1-17-2009

Watch and listen to the Navigator of the Seas sail away from Port Everglades in Ft Lauderdale, Florida. The weather was picture perfect as the ...

Restructuring and insolvency: The position of creditors in Ireland

What are the main forms of security over moveable and immoveable property and how are they given legal effect?

The most common forms of security are mortgages and fixed or floating charges.

A mortgage is a form of fixed security by way of a transfer of title to an asset subject to a right of re-transfer (ie, the ‘equity of redemption’). A mortgage must be in writing and executed as a deed, and is subject to certain registration requirements.

A fixed charge is also a form of fixed security and involves no transfer of legal or beneficial title, but is an encumbrance on an asset. A fixed charge is created over an ascertainable asset, over which the lender will have a degree of control (eg, the right to consent before the asset is sold).

A floating charge is an encumbrance over an asset or group of assets that are subject to change in quantity and value. When businesses use floating charges, it does not affect their ability to use the underlying assets as normal.

Private Clients in the USA

Recent developments

Have there been any notable recent developments in the provision of private client and offshore services in your jurisdiction, including any regulatory changes or case law?

The most significant development has been the enactment of the Tax Cuts and Jobs Act (TCJA) on 22 December 2017, which made significant changes to US federal tax laws that affect US and US-connected taxpayers. Among other important changes affecting private clients, the TCJA:

lowers the corporate tax rate from 35% to 21%; lowers the top ordinary income tax rate on individuals from 39.6% to 37% until 2026; doubles the lifetime federal estate and gift tax exemption for US individuals to $11.18 million in 2018 (as indexed for inflation) until 2026; caps a US individual’s deduction for state and local taxes at $10,000 until 2026; and eliminates the 30-day grace period before a non-US corporation may be considered a controlled foreign

an informercial about a company called navigator loans, says they can lower mortgage payments?

Haven't seen it here myself - but my bet is they are selling people on the idea of an Interest only loan.

You never pay off the principal - you just pay forever on the interest.