Property Inspection Reports, Review, Analysis and Consultation:
Ray Bowie is one of the attorneys who drafted the property inspection clauses of the local real estate sales contract and the related forms utilized in home inspections, termite inspections, radon gas, lead paint, toxic mold and other environmental assessments. He has taught Realtor and homebuyer seminars on property inspection issues. Among his credentials, he is also designated a Registered Home Inspector (RHI) by the Housing Inspection Foundation; Certified Environmental Inspector (CEI) by the Environmental Assessment Association; Certified Construction Inspector (CCI) by the Association of Construction Inspections; and Phase I Environmental Assessment Certified and Mold Inspection Certified by the EAA. These credentials assist in his evaluation of property inspection reports and consultation with buyers on inspection issues and buyer’s inspection rights under the contract.
Condominium and Homeowner Association Documents, Review and Consultation:
Condominium buyers are entitled by law to receive and review hundreds of pages of legal documents, rules and financial statements to determine the soundness and acceptability of the condominium association. Buyers in homeowners' associations may, by contract, obtain the same rights. The trick is to ferret out the truly important information as to each association's restrictive covenants and financial soundness. Ray Bowie is licensed by the State of Florida as a Community Association Manager and credentialed as a Certified Manager and Association Management Specialist by the Community Associations Institute. This specialized training allows him to assist clients in reviewing and interpreting association documents and financial statements with particular focus on the adequacy of the association’s reserve accounts.
Mortgage Financing, Consultation and Brokerage:
Ray Bowie is licensed by the State of Florida as a Mortgage Broker, designated a Certified Finance Specialist by the Residential Finance Council, and specially trained in Mortgage Law by Attorneys' Mortgage Services. With this knowledge and training, he offers consultation to buyers on financing alternatives and can evaluate mortgage packages offered buyers by lenders. For qualified borrowers, Mr. Bowie may also be able to secure "par rate" mortgages, i.e. at direct wholesale secondary-market interest rates without any lender mark-up, for total loan fees including appraisal of only $1,000.
Title Search, Examination and Closing:
Ray Bowie is a Florida Bar Board Certified Real Estate Attorney with expertise in title searches, curing title defects, and handling closing problems that may arise. He is also appointed by the Florida Secretary of State as an International (Civil-Law) Notary, capable of preparing and certifying documents for foreign nationals and for use in international transactions. For years, he has assisted the Naples Area Board of Realtors with legal issues, drafting of the local sales contract forms, and teaching Realtor seminars on contract issues, property inspections, title insurance and community associations. He has chaired the Collier County Bar Association Real Estate Section for two terms. And he publishes regularly as a real estate columnist in the Naples Daily News.
1031 Tax-Deferred Exchanges:
In addition to Transaction Management, Ray Bowie offers clients access – through Lawyers Title & Escrow, Inc., a qualified intermediary – to tax deferred exchange services for a standard fee of only $500.00. Tax-deferred exchanges of real property under I.R.C. Section 1031 have become an increasingly popular tax avoidance strategy for astute investors. Reverse or improvements exchanges are also possible through Lawyers Title & Escrow, Inc. for fees ranging from $1,500 to $2,500.