Real Estate Titles and Closings – What Home Buyers Need to Know

Trombley and Kfoury will make sure that the title to a piece of real estate is good and then issue title insurance for that property. Title insurance protects the lender and/or owner against lawsuits or claims against the property that result from disputes over the title.

We also maintain an escrow account which contains the funds needed to close on your new home and we ensure that this money is used only for settlement and closing costs. At your closing, the settlement agent will bring all the necessary documentation, explain it to the parties, collect closing costs and distribute monies. Finally, we will ensure that the new deed and other documents are filed with the appropriate registry of deeds.

The New 2015 Closing Disclosure – “Know Before you Owe”

The New 2015 Closing Disclosure – “Know Before you Owe”

If you hear the term “Know Before you Owe” this is what it means. The Consumer Financial Protection Bureau has made this the slogan for the changes coming into effect on August 1, 2015. This is when the new Closing Disclosure and Loan Estimate forms go into effect.

The Closing Disclosure is the new 5-page form that replaces the HUD Settlement Statement. The new regulations state that the Final Closing Disclosure must be provided to consumers at least three (3) business days before closing of the loan. The new Loan Estimate will replace the former Good Faith Estimate.

The Homestead Right in New Hampshire

The Homestead Right in New Hampshire

Every state has Homestead Laws, but they can differ greatly. In some states you need to declare your rights of homestead. In New Hampshire your rights are automatically given to you in a deed and it’s very important that they be released by a statement in the deed when you sell the property.

In New Hampshire, our law is called The Homestead Right and every person is entitled to $100,000 worth of his or her homestead to be protected from creditors. That right is created by RSA 480:1 and it means that property designated as a homestead is exempt from the rights of most creditors.. This is also why both a husband and wife must sign off on their homestead rights when they Mortgage their property.

What is a Quitclaim Deed

Have you ever wondered what a Quitclaim Deed is. We hear many people refer to it as a “quick” claim deed and that is not correct. A Quitclaim Deed is a deed which makes no warranties and conveys only the right, title or interest which the grantor has. The grantor in a quitclaim deed does not represent that they have any interest whatever in the property, merely that whatever interest they have is being conveyed to the grantee.

Contact us if you need a Deed prepared for you. We can help and the charge for this service is $150.00.



Does your deed contain a metes and bounds description of your property. A metes and bounds legal description in your deed is a way of describing the lines of your property by angles and distances from designated landmarks and in relation to adjoining properties. For instance, if your deed describes your property like this, “thence running north 16° 14′ 12″ east a distance of 100.00 feet to a point”, you have a metes and bounds description.



Lis Pendens is the latin phrase for pending litigation and more commonly referred to as a notice of pending action. Persons who buy or lend on the real estate after a lis pendens has been recorded take title to the property subject to the claimant’s right, if any, to the real estate. A recorded lis pendens is a notice warning all prospective buyers that title to or possession of the real estate is in dispute.

Can an employer ask an employee for log-in information to see social networking accounts

Can an employer ask an employee for log-in information to see social networking accounts



New Hampshire now prohibits an employer from requiring an employee to disclose log-in information for social media accounts like Facebook. Moreover, an employer cannot require an employee to allow them to be a “friend” if it for the sole purpose of gaining access to the account. This preclusion, however, does not prevent an employer from viewing what is on the public portion of the social media account.

Are you an employee if you work from home?

Are you an employee if you work from home?

The New Hampshire Legislature is currently proposing in House Bill 361 (2015) excluding individuals who exclusively work at home via the internet for on-line business activities from the general definition of employee in the New Hampshire Statute. The proposal would only apply to “a person who works exclusively at home via the internet for on-line business activities.” Such an exclusion, if passed, would allow the “virtual employer” to avoid paying workers’ compensation and unemployment benefits. The bill is currently pending.

NHBR: Workers’ Compensation and New Businesses

Workers’ compensation and new businesses

In the early stages of starting a company, small business owners have many factors to consider. What your business does and what it requires of an employee has consequences from a workers’ compensation perspective. Understanding what exposure your company may have, and being proactive to prevent workplace injuries, can help lower the cost burden of workers’ compensation insurance.What is workers’ compensation (WC) insurance?

In a nutshell, it is insurance that covers an injury that arises out of and in the course of employment.

How many employees must a company have to require WC?

In New Hampshire, as few as one employee.

What is not covered under WC?

Circumstances vary, but these injuries are generally not covered by WC: self-inflicted injury • injury caused by intoxication from drugs and alcohol, assuming the employer did not know about the intoxication • employee-started fight, if the basis of it is personal in nature • driving to and from work, unless the worker is considered a traveling employee • participation in athletic/recreational activities, on or off premises, unless the employee reasonably expected, based on the employer’s instruction or policy, that participation was a condition of employment or required for promotion, increased compensation or continued employment • mental injury/illness arising from good faith action taken by the employer, including but not limited to: work evaluation, disciplinary action, job transfer, lay-off, demotion or termination

Can an employer still be sued?

Except for intentional torts, the state’s workers’ compensation statute bars injured employees who sustained a compensable injury from bringing action at common law or by statute. However, an employee can elect to bring action to recover damages for wrongful termination or constructive discharge. If the worker pursues this remedy, he/she waives claims for compensation allegedly caused by such termination or discharge.

What does WC insurance cover?

WC insurance specifically insures an employer for costs from a work-related injury such as lost wages, medical costs, permanent impairment awards, vocational services, and costs associated with an attorney to defend your company if there is a claim.

Paul Kfoury Jr. is a partner at Trombley Kfoury, P.A., a law firm specializing in workers’ compensation issues. He is past chair of the New Hampshire Bar Association’s Workers’ Compensation Section, and speaks with insurance companies and employers regularly. He also holds trainings and seminars involving WC issues.


What You Should Know About the Home Closing Process

What You Should Know About the Home Closing Process

What You Should Know About the Home Closing Process: An Interview with Kirk Trombley of Trombley & Kfoury

Tell us a little bit about your experience, firm’s history and the areas of law that you practice.

We practice in areas that include general business, real estate, employment law and litigation. We have a significant workers’ compensation defense practice as well.

Our legal team lives and raises families in NH, and believe in supporting local businesses. Our mission is to assist and protect NH residents and business owners in their legal endeavors. We can help you in achieving security for your dreams and business goals, and planning for your future success.

Check out my interview, What You Should Know About the Home Closing Process on New Hampshire Homes, one of the top sites for New Hampshire real estate, including Londonderry, NH real estate. New Hampshire Homes also services New York homes for sale and Pennsylvania real estate.

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