Real Estate

Kentucky & Florida Real Estate Attorney

Your Accessible Real Estate Attorney for Residential, Commercial, and Construction Loan Closings

Jim Fine has been practicing in the area of Kentucky real estate law since 1975 and since 2006 in Florida and has conducted closings since 2007 in Indiana. He has conducted residential, cash, commercial, FHA, VA, conventional, Kentucky Housing, Fannie Mae, sales, refinance, exchanges, and closings of all types of residential development. He has closed for many of the mortgage companies, realtors, and banks in the regional arena. He has always prided himself in quick-turn-around, easy-access, and full-disclosure closings, and he is particularly sensitive to the needs of lenders and realtors in securing closing disclosure or HUD-1s at the earliest time for review.┬áMr. Fine, Mr. Cummins, or an experienced closing paralegal will close all transactions. Mr. Fine has worked with surveyors, local agencies, engineers, developers, and lenders in shopping center closings, condo conversions, and other substantial commercial transactions, and he has been an agent with Chicago Title/fnf for over 30 years. Mr. Fine is also an agent for Old Republic National Title Insurance. Mr. Fine is knowledgeable in the real estate area and his breadth of experience lends itself to answering and responding to virtually every contingency or issue that arises in the real estate closing process. He is a member of the Real Estate Section of the Louisville Bar Association and The Real Property Probate and Trust Law Section of the Florida Bar. In contrast to the “assembly line” closing offices, Mr. Fine gives a clear, concise, thorough, and credible explanation of all closing documents. If there are any questions regarding a loan document, Mr. Fine will not pressure the buyer or borrower, or the seller, into signing any documents. Mr. Fine’s working knowledge lends itself to versatility and adaptability at closing to virtually any unusual or controversial circumstance or closing costs. Mr. Fine is licensed by the Indiana Department of Insurance to conduct real estate closings and issue title insurance.

Real Estate Closings to Go and to Please

As a further convenience to clients and users of Mr. Fine’s real estate closing services, Mr. Fine has for many years conducted off-site closings, whether at the lender’s office, the realtor’s office, the residence of the buyer or seller, nursing homes, or other locations. He has performed closings in many rural Kentucky counties and has contacts in outlying areas which help expedite non-Jefferson County work. In addition to Metro Louisville/Jefferson County, Mr. Fine routinely conducts closings in Oldham, Shelby, and Bullitt counties, and he is willing to accommodate parties in outlying areas to their logistical satisfaction such as Southern Indiana, and the entire state of Florida. Mr. Fine has a staff of capable paralegals who are able to assist in the closing process who work hand in hand with Mr. Fine or Mr. Cummins in closing all transactions.

Real Estate Foreclosures

Mr. Fine has represented lenders in foreclosure proceedings for must of his forty-two plus years in practice and regularly files foreclosure suits for various lenders.

Seller Assistance

Mr. Fine can offer seller assistance for those who are selling their homes without the assistance of a realtor. Mr. Fine’s experience involves the law of real property, which is unique and raises special issues of practice, and problems not present in other transactions. A real estate lawyer is trained to deal with these problems and has the most experience to deal with them.

1031 Exchanges

Mr. Fine has served as a qualified intermediary for his clients and has prepared 1031 exchange documents. His experience includes 1031 exchanges for:

  • Small commercial properties
  • Large commercial properties
  • Farms
  • Hotels
  • Apartments and multi-family complexes
  • Shopping centers
  • Single family residential

Mr. Fine has consulted with other attorneys in assisting them in 1031 exchanges with their clients. A section 1031 tax deferred exchange or a simultaneous exchange are a series of planning events and documents, sanctioned by the IRS Code and regulations, that as a general rule, an owner of commercial real estate can utilize to sell its property to another party and convert the proceeds into generally a more expensive property without currently paying capital gains or ordinary income taxes. In order to maximize your new investment, Mr. Fine can advise and prepare for you the documents necessary to defer the tax on your gains indefinitely.