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Stephen Cromwell
About | Practice Areas
Cromwell & Associates, LLC
7305 Baltimore Ave Suite 307 College Park, MD 20740» view map
Estate, Tax, and Real Estate Law
Where Every Client Matters

At Cromwell & Associates, our firm is large enough to handle your diverse needs, but small enough to give you the personal attention you deserve.

240-667-7234
1. Stephen Cromwell College Park, MD
  Attorney at Law, MD
  University of Maryland School of Law, J.D. 2019
2. AboutCromwell & Associates, LLC
  Where Every Client Matters
3. Practice AreasExpertise
  Estate Law
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Gabriel Moreno

Landlord-Tenant, Divorce, Administrative Law, Personal Injury

Status: In Good Standing

CONTACT

30 Corporate Center, Columbia, MD 21044

Alexandra Monroy

Landlord-Tenant, Customs, Consumer Bankruptcy

Status: In Good Standing Licensed: 20 Years

CONTACT

10015 Old Columbia Rd, Dhs, MD 21046

Susan Zuhowski

Landlord-Tenant, Real Estate, Religious Discrimination, Corporate

Status: In Good Standing

CONTACT

11785 Beltsville Drive, Beltsville, MD 20705

Michael G. Campbell

Tax, Landlord-Tenant, Construction, Litigation

Status: In Good Standing Licensed: 28 Years

FREE CONSULTATION

CONTACT

200B Monroe Street, Rockville, MD 20850

Thomas C Schild

Landlord-Tenant, Real Estate, Collection, Bankruptcy & Debt

Status: In Good Standing Licensed: 44 Years

CONTACT

401 North Washington Street, Rockville, MD 20850

David Paul Caravaggio

Landlord-Tenant

Status: In Good Standing Licensed: 32 Years

CONTACT

12 S Summit Ave, Gaithersburg, MD 20877

Nancy Natwick Fey

Landlord-Tenant, Industry Specialties, Family Law, Juvenile Law

Status: In Good Standing Licensed: 46 Years

CONTACT

13804 Beacon Hollow Ln, Silver Spring, MD 20906

Matthew M. Moore

Landlord-Tenant, Construction, Litigation, Corporate

Status: In Good Standing

CONTACT

12505 Park Potomac Ave, Rockville, MD 20854

Robert John Garagiola

Real Estate, Corporate, Landlord-Tenant

Status: In Good Standing Licensed: 23 Years

CONTACT

401 East Jefferson Street, Rockville, MD 20850

Wanda Gale Caporaletti

Landlord-Tenant, Lawsuit & Dispute, Workers' Compensation, Business

Status: In Good Standing Licensed: 35 Years

CONTACT

200A Monroe St, Rockville, MD 20850

800-923-0641

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LEGAL TERMS

SHARED EQUITY MORTGAGE

A home loan in which the lender gets a share of the equity of the home in exchange for providing a portion of the down payment. When the home is later sold, the... (more...)

A home loan in which the lender gets a share of the equity of the home in exchange for providing a portion of the down payment. When the home is later sold, the lender is entitled to a portion of the proceeds.

FINDER'S FEE

A fee charged by real estate brokers and apartment-finding services in exchange for locating a rental property. These fees are permitted by law. Some landlords,... (more...)

A fee charged by real estate brokers and apartment-finding services in exchange for locating a rental property. These fees are permitted by law. Some landlords, however, charge finder's fees merely for renting a place. This type of charge is not legitimate and, in some areas, is specifically declared illegal.

ELECTRONIC SIGNATURE

A paperless method of entering into an electronic contract. To 'sign' a contract electronically, a person may be asked to click an 'I Accept' button or use a 'k... (more...)

A paperless method of entering into an electronic contract. To 'sign' a contract electronically, a person may be asked to click an 'I Accept' button or use a 'key' to encrypt (scramble) information that uniquely identifies the signer using a method called Public Key Infrastructure (PKI). Electronic signatures are as binding as those in ink.

SUBSTITUTED SERVICE

A method for the formal delivery of court papers that takes the place of personal service. Personal service means that the papers are placed directly into the h... (more...)

A method for the formal delivery of court papers that takes the place of personal service. Personal service means that the papers are placed directly into the hands of the person to be served. Substituted service, on the other hand, may be accomplished by leaving the documents with a designated agent, with another adult in the recipient's home, with the recipient's manager at work or by posting a notice in a prominent place and then using certified mail to send copies of the documents to the recipient.

PRIVATE MORTGAGE INSURANCE (PMI)

Insurance that reimburses a mortgage lender if the buyer defaults on the loan and the foreclosure sale price is less than the amount owed the lender (the mortga... (more...)

Insurance that reimburses a mortgage lender if the buyer defaults on the loan and the foreclosure sale price is less than the amount owed the lender (the mortgage plus the costs of the sale). A home buyer who makes less than a 20% down payment may have to purchase PMI.

DEED IN LIEU (OF FORECLOSURE)

A means of escaping an overly burdenome mortgage. If a homeowner can't make the mortgage payments and can't find a buyer for the house, many lenders will accept... (more...)

A means of escaping an overly burdenome mortgage. If a homeowner can't make the mortgage payments and can't find a buyer for the house, many lenders will accept ownership of the property in place of the money owed on the mortgage. Even if the lender won't agree to accept the property, the homeowner can prepare a quitclaim deed that unilaterally transfers the homeowner's property rights to the lender.

DEBENTURE

A type of bond (an interest-bearing document that serves as evidence of a debt) that does not require security in the form of a mortgage or lien on a specific p... (more...)

A type of bond (an interest-bearing document that serves as evidence of a debt) that does not require security in the form of a mortgage or lien on a specific piece of property. Repayment of a debenture is guaranteed only by the general credit of the issuer. For example, a corporation may issue a secured bond that gives the bondholder a lien on the corporation's factory. But if it issues a debenture, the loan is not secured by any property at all. When a corporation issues debentures, the holders are considered creditors of the corporation and are entitled to payment before shareholders if the business folds.

SHORT SALE (OF HOUSE)

A sale of a house in which the proceeds fall short of what the owner still owes on the mortgage. Many lenders will agree to accept the proceeds of a short sale ... (more...)

A sale of a house in which the proceeds fall short of what the owner still owes on the mortgage. Many lenders will agree to accept the proceeds of a short sale and forgive the rest of what is owed on the mortgage when the owner cannot make the mortgage payments. By accepting a short sale, the lender can avoid a lengthy and costly foreclosure, and the owner is able to pay off the loan for less than what he owes. See also deed in lieu (or foreclosure).

BASIS

For income and capital gains tax purposes, the value that is used to determine profit or loss when property is sold. Often the basis is what you paid for the pr... (more...)

For income and capital gains tax purposes, the value that is used to determine profit or loss when property is sold. Often the basis is what you paid for the property, 'adjusted' to reflect improvements made or damage incurred while you own the property. See stepped-up basis, carryover basis.

SAMPLE LEGAL CASES

Rollins v. Capital Plaza Associates, LP

... WOODWARD, J. The instant case involves a landlord-tenant dispute between Capital Plaza Associates, LP ("Capital Plaza") and Dr. Deborah Rollins ("Dr. Rollins") pertaining to a commercial lease agreement for Dr. Rollins' medical office. ...

CONGRESSIONAL v. Mervis

... Under Section 1.02(j) of the Lease, Mervis was required to take possession of the Premises "five (5) days after Tenant's receipt of Landlord's notice to Tenant that the Premises [are] ready for Tenant's use and that Landlord has completed the work listed on Exhibit B (the ...

La Belle Epoque, LLC v. Old Europe Antique Manor, LLC

... 2.5 Repairs and Improvements. Landlord shall deliver the Premises with all electrical, mechanical and plumbing systems and equipment in good working condition. ... IF TO LANDLORD: Double H Family LLC c/o David Dant Michael Management, Inc. ...

Brinklow Landlord-Tenant Lawyer, Maryland

Sponsored Law Firm

Cromwell & Associates, LLC

SPONSORED LAWYERS

Gabriel Moreno

Alexandra Monroy

Susan Zuhowski

Michael G. Campbell

Thomas C Schild

David Paul Caravaggio

Nancy Natwick Fey

Matthew M. Moore

Robert John Garagiola

Wanda Gale Caporaletti

TIPS

LEGAL TERMS

SHARED EQUITY MORTGAGE

FINDER'S FEE

ELECTRONIC SIGNATURE

SUBSTITUTED SERVICE

PRIVATE MORTGAGE INSURANCE (PMI)

DEED IN LIEU (OF FORECLOSURE)

DEBENTURE

SHORT SALE (OF HOUSE)

BASIS

SAMPLE LEGAL CASES

Rollins v. Capital Plaza Associates, LP

CONGRESSIONAL v. Mervis

La Belle Epoque, LLC v. Old Europe Antique Manor, LLC

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