The Mira Law Firm, L.L.C.
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Office Location:
West Hartford, Connecticut
75 Brace Road
West Hartford, CT 06107
Tel: 860-251-9552
Fax: 860-838-0409
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Bar Admission: Connecticut
Professional Associations: Ballet Theatre Company, Board Member
Connecticut Bar Association, Member
Jennifer E. Mira, Esq.
Jennifer E. Mira practices in the areas of corporate law and business services, as well as general civil litigation. She represents clients in a broad spectrum of matters, from commercial and residential real estate transactions, estate planning, and business formation to civil litigation and administrative and employment appeals.
Prior to starting this practice, Ms. Mira was an Associate of Updike, Kelly & Spellacy, P.C. working in the fields of corporate law and commercial finance. She engaged in the transactional representation of banks, financial institutions and other lenders in asset-based, commercial, mezzanine and acquisition financing.
Ms. Mira received her J.D. from the University of Connecticut School of Law in Hartford, Connecticut, and her B.A., cum laude, from Elon University in Elon, North Carolina. While attending the University of Connecticut School of Law, Ms. Mira also received a Graduate Certificate in Human Rights for her dedication to the study of civil and human rights.
CIVIL LITIGATION
EMPLOYMENT LAW
LANDLORD/
TENANT
REAL ESTATE
ESTATE PLANNING
BUSINESS LAW
It is understandable that being
unfamiliar with a legal issue
you are facing can be overwhelming.
We are here to make the process
easier for you.
At The Mira Law Firm, L.L.C., we
pride ourselves in excellent service,
and devote our time to making
sure our clients understand their rights - whether they are investing in a new home or involved in litigation.
Call or email us today to find out how we can help you.
Frequently Asked [Legal] Questions
1. What is title? Title is all interests in a given piece of property. When buying property, the current owner, the owner's family and the owner's heirs all have rights or claims in and to the property. In addition, others may have an interest in the property you are buying - such as contractors, lenders, the IRS, governmental agencies, or a variety of other individuals or corporations. The property can be sold to you without the knowledge of these parties, and you may purchase it without having knowledge of these rights or claims. These rights do not disappear simply because you do not know about them. In fact, these rights remain "attached" to the title of the property you are buying until they are properly released.
2. How does a Buyer protect themselves from these claims? A Buyer wants to receive "clean title" to the property they are purchasing. In order to do so, a Buyer must be informed of all the present and future interests in the property and protected against them. Title insurance provides this by protecting against existing interests that are discovered by a diligent review of the land records, and also by protecting against undiscoverable interests such as fraud or forgery, or even general errors in the recording process. If a Buyer is borrowing money to purchase property, the Lender will require the Buyer to purchase title insurance for the Lender in the amount of the loan to assure the quality of title. This policy only protects the Lender, and it is up to the Buyer to protect its interests with an Owners Policy.
3. What can happen if a Buyer does not have title insurance? Example: A Buyer purchases a property for $200,000.00. A down-payment of $40,000.00 is made, and the Lender holds a mortgage in the amount of $160,000.00. The Lender requires the Buyer to purchase title insurance in the amount of the loan ($160K). The Buyer does not purchase an Owners Policy and therefore its down-payment ($40K) is not protected. If a claim arose regarding past ownership of the property, the title insurance company would defend and protect the interests of the Lender at no cost to the Lender. The Buyer, however, would be financially responsible to defend themselves, and if unsuccessful, could lose title to their property or bear the financial burden of releasing the claim.
4. What does title insurance cost and if a Buyer purchases it what can they expect? The cost of title insurance varies according to loan amount and purchase price. It is a one-time premium paid for in full at closing and protects the Buyer for the life of their ownership in the property. When purchased, title insurance will protect against: mistakes in recording, false impersonations, forged deeds, releases or wills, undisclosed or missing heirs, etc (*see the full list in our Legal Talk section) by defending the Buyer against any lawsuit challenging title to the property at no cost to the Buyer. When simultaneously purchased with the obligatory Lender's Policy, the Owner's Policy can be obtained at a reduced rate for the best possible value.
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