Before you start your search for a home equity loan (including those for debt consolidation, reverse mortgages, or to fend off foreclosure) or home improvement loan, get legal advice from experienced lawyers. Donel and Associates specialize in real estate law and take pride in helping their clients avoid predatory lending practices and other misrepresentations of creditors.

Real Estate transactions and lending practices are covered under California State Law. Our legal team advises you to never be pressured into signing a contract unless you've read and understand every word. As attorneys we know that if the offer is good today, it should still be good tomorrow. We also do not recommend signing any document with blank spaces. They could be filled in later with an amount you wouldn't agree to.

Donel and Associates also advises you to avoid home mortgage loans with interest rates higher than market averages. Always shop and compare the current market rates among banks, mortgage lenders, savings and loans, and mortgage brokers. We also recommend you hire an attorney.

Through our online legal presence www.toplawusa.com you can learn more advice for all legal aspects of your life. We advise you to avoid direct mail pitches, door-to-door sales, and e-mail spam ,for home-equity loans and loans connected to unsolicited home improvement contracts. We do recommend you get referrals from family members, your friends, co-workers and others you trust and who may have recently had dealings in real estate.