Deciding Whether To Pursue A Lease-to-Own

If the price is right, a ‘rent to own’ option can be the best way to secure the right to buy from a willing property owner, and still keep your ‘options’ open. One way to look at the situation is that you are paying the owner a premium rent for the option to purchase if you choose. The risk that the owner could back out of the sale is offset by the rule of “specific performance” that empowers courts to force a property sale after the buyer meets his obligations.

Logistics of Lease-to-Own Agreement

To make sure that your option (right to purchase) is “certain” in the eyes of the law and therefore enforceable, it is recommended that you physically attach a copy of a completed property purchase contract (but unsigned) to the lease itself. This will ensure that both you and the owner are on the same page with regard to all purchase terms (i.e., purchase price, allocation closing costs, character of title conveyed, whether option payments go toward the purchase price).

One item to beware is landlords who request an exorbitantly high non-refundable deposit for the lease-to-own option.

A local realtor can assist you by using the applicable ‘CAR forms’. Or hire a real estate attorney such as myself (with purchase option experience) to draft these documents for an affordable flat fee.

Some common terms of a purchase option agreement (added to the lease): (1) date the option begins, (2) date option expires, (3) consequences of accepting option, (4) consequences of not accepting option, (5) method of accepting option, (6) whether previous option payments offset the purchase price, (7) consequences if property is destroyed during existence of the option.  Here is a sample contract I drafted for illustrative purposes:

Helpful tip for 2013: Try to find ‘rent-to-own’ situations for homestead acreage with water rights, then farm the land organically and watch the income not only pay for the option but also increase the value of the land, thereby making it more purchasable at a fixed option price. Steps: (1) Find a Property with accessible water (pond, natural spring, or underground water): You can find these properties on Craigslist or  (2) Apply Basic Organic Farming Techniques.  For organic heirloom seeds, use Sustainable Seed Co and for sustainable farming books, check out Joel Salatin’s Polyface Farm.

Compare Seller Financing

Another option you may wish to consider is “seller-financing.” With seller-financing you pay your monthly mortgage to the seller, but you receive the deed immediately. Generally, a seller will only finance for 3-5 years (at small monthly payments), after which the whole loan amount becomes due, so the buyer needs to refinance or sell the property before the 3-5 years are up.

Assistance Starting an Organic Homestead

For assistance buying or renting an organic homestead, please contact me for free legal services:

Here is my homestead:

Purchasing Property – The Big Picture

Purchasing real property (land, home) is an important life decision with rewards and responsibilities.

Throughout the ages, humans have revered land ownership as a symbol of power and independence. However, in certain cultural views (my own included), humans cannot own the land, but rather we are only land stewards.  This point has a strong ethical and romantic foundation, because it places humans in the role of actors in an ecosystem, rather than as “owners” of mighty forces beyond our control.  We are guests on earth, and the Father in heaven hosts us.

Philosophically and practically, the owner/steward of a resource has the greatest incentive to protect it and promote its value. Therefore, the majority of societies have found it to be sound economic and environmental policy to vest legal title to land with individuals. The so-called “Tragedy of the Commons,” provides the rationale – the masses tend to overexploit limited community resources, whereas individual owners/stewards tend to protect limited resources. Notably though, there is an opposing perspective that the Tragedy of the Commons is actually a myth –

In any case, the distinction between “legal owner” and “steward” may only be semantics. By focusing on title ownership rather than land ownership, society tends to accomplish each of the following goals:

  • Protecting the environment – Legal title helps avoid the tragedy of the commons (overexploitation of the commons by the insatiable hunger of the masses).
  • Promoting economic productivity – Legal title gives individuals the incentive to promote the value of the land’s resources
  • Dealing effectively in legal matters – Legal title is generally all that is needed to become the official steward of a piece of earth with respect to all other human beings on the planet. One couldn’t, and shouldn’t, ask for anything more.
  • Retaining ethical respect for the land – Legal title is a document that humans use to express an interest in land, but it does not (at least theoretically) seek to deprive any other living things of their respective rights. This allows respect for ethical/spiritual views that treat the earth as a living organism, and also respects the rights of animals and other living things to have the opportunity to thrive on the earth.

For more information about being a good steward of the land visit, check out farmer Joel Salatin’s view of what it means to go natural: And also read this author’s expose of the danger of modern pest control practices, and his offer of some natural solutions to promote good stewardship:
Lastly, for a philosophical view of land ownership and class issues, see the works of Henry George.

Professional Spotlight – Real Estate Agents

Professional Spotlight – Real Estate Agents

This FSBO blog would be incomplete without an article specially dedicated to the many benefits of hiring a real estate agent:

1. Knowledgeable

Real estate agents are knowledgeable about the buying and selling process.  I am as well, but real estate agents are often better trained at making appraisals on houses, and they compile lists of local sales.  They use these skills and their data to prepare Comparative Market Analysis Reports (CMAs).   I don’t write these reports — I’m generally no better at gauging a home’s sales price than looking at Zillow or Redfin.

I’ll also add that I have learned a great deal from real estate brokers about the buying and selling process.

2. Standardization

The real estate sales process is largely standardized today in the forms used to document the purchase contract, disclosures, title, and escrow.  High-level realtors and attorneys have worked together to create this standardization and it is relied on throughout the nation for efficiency and predictability.  And this standardization also helps minimize errors, which further promotes confidence in the real estate industry.  I use forms provided by the California Association of Realtors (CAR) because they provide that desirable confidence and efficiency.

Interestingly, having read a great deal of California real estate law in my career, I can assure you that not everything on the standard forms today is required by law. But I can also tell you from my experience working in this industry that the vast majority of clients have no interest in rocking the boat or learning what isn’t required – they want the forms because they want standardization.

3. Professional

Real estate agents are licensed by their State’s Department of Real Estate. By contrast, I am licensed by the California State Bar (a different entity).  Maintaining a clean record and a positive reputation in the community is incredibly important to the professionalism of both a real estate agent and a real estate attorney.

As part of their licensure, real estate agents are required to obtain basic knowledge regarding legal and contract requirements in the real estate sales process.  (A few years of experience goes a long way too!) Lawyers are trained differently – in some areas we are trained more specifically than agents (i.e., how to analyze and resolve title disputes – clouds on title) and others more generally (i.e., real estate sales contracts) – which is why it is customary that the only lawyers who document sales transactions are experienced ones with an established real estate practice.  And of course some attorneys are also licensed real estate agents.

The real estate industry provides valuable check & balances on buyers and sellers who may have unreasonable expectations or are prone to making odd statements when interacting with other buyers/sellers.  Real estate agents and attorneys are therefore quite useful to the system as a whole to counsel this segment of the population – as professionals we oversee the process and help to provide stability, predictability, and civility.  It is difficult to put a price tag on that added value.

4. Personable Negotiators

Real estate agents are generally very personable people who are skilled at showing homes and courting interested parties in a sales transaction.  By contrast, I personally lack the temperament for this sort of thing.   I may be relatively personable but I have no desire to show properties or engage in some long discussion about comparable sales.  Here is my goal as a closing attorney: I want to identify the agreed upon terms of a prospective home purchase, and then I want to document them, and then I want to assist in a limited role to oversee an efficient and orderly closing process.  You will never find me baking cookies for an open house.

The National Association of Realtors (NAR) has provided an industry publication that infers that homeowners are more likely to receive a higher price for their home if they use a realtor.  Source: 2011 National Association of REALTORS® Profile of Home Buyers and Sellers. The statistic makes sense to me because it’s a commentary about society as a whole.  But in that society there will always be savvy individuals who know they can achieve their desirable price or home purchase without a realtor.  It is for these individuals that my services make the most sense.  For perhaps the large majority of the home selling population though, choosing a realtor rather than a closing attorney is more advantageous.

 5. Commissions

If real estate agents didn’t receive 3% commissions, I presume there would be much more house-flipping in America.  So we can thank the industry for helping to bring stability to the real estate sector of the economy in this regard.

Notably, your average real estate agent does not receive the whole 3% of his commission: he has to pay a large portion to his brokerage house.  Realtors also have a relatively high over-head cost for things like office expenses and professional liability insurance.

The commission structure is nice for homeowners because it helps relieve the stress and pressure from an already stressful buying/selling process.

In the big picture, real estate agents help ease the buying/selling process, and they add professionalism – I like that a lot.

Greg Glaser, Attorney at Law
San Francisco Bay Area – Northern California
(925) 642-6651
Flat Fee Packages Available for Buyers and Sellers Without a Realtor

California Home Sale – Required & Standard Disclosures

For a California home sale, here is a list of the required/standard legal disclosures:

Usually provided at the time of signing the contract Usually provided within 10-17 days of signing the contract
8-page (varies) Purchase Agreement specifying the right of the buyer to   terminate the contract upon 72-hours notice upon receiving a new inspection or disclosure 2-page Lead based paint disclosure
2-page Real Estate Transfer Disclosure Statement (TDS) 17-page EPA lead disclosure pamphlet
2-page Buyer’s Inspection Advisory 40-page (varies) Natural Hazard Disclosure Report (order it online from 1st American)
1-page Seller’s Statutory Disclosure (SSD) 1 or 2 page Water Heater & Smoke Detector Statement of Compliance
1-page Megan’s law disclosure (if not already in the purchase agreement) 1-page carbon monoxide detector notice


53-page guide to earthquake safety


45-page environmental hazards pamphlet


16-page energy conservation booklet


10-page (varies) Home Inspection Report (by a contractor chosen by Buyer)


10-page (varies) Wood Destroying Pests and Organisms Inspection Report (by   a contractor chosen by buyer or seller)

The buyer does not need to print and sign every page of these documents above, only the pages where a signature (or initial) is requested. Also, every page can usually be processed electronically (even signature pages), so the parties are free to exchange fax/email copies as if they were originals.

If you are a paranoid detail-oriented seller, consider making a checklist of every disclosure document you give to the buyer. You can invite them to sign your checklist to ensure everyone is on the same page.

Sellers, the law requires you to be honest and reasonable when making disclosures.  You are not required to disclose trivial or immaterials things; but you are required to disclose all material problems or conditions that a reasonable buyer would want to know. What does a reasonable buyer want to know?  A reasonable buyer wants to know matters that are relevant to the property’s condition and market price (i.e., safety, livability, construction, neighborhood, insurance claims, liens, etc.). It definitely helps to put yourself in the buyer’s shoes; would you want the matter disclosed to you?  Experienced real estate attorneys agree – when in doubt, disclose it.

Greg Glaser, Attorney at Law
San Francisco Bay Area – Northern California
(925) 642-6651
Flat Fee Packages Available for Buyers and Sellers Without a Realtor

FSBO – The Purchase Offer (Part One)

Once the buyer identifies the home he would like to buy, he can either (a) negotiate informally with the seller regarding the essential terms of an agreement, or (b) he can prepare a formal purchase offer.

                Informal Negotiation

Starting the process with informal negotiation is usually the best approach for both parties.  The key items to discuss are:

(1) Purchase Price – This is the price that seller is willing to accept and that the buyer is willing to pay to buy the home, excluding any closing costs….

(2) Closing Costs – Closing costs are added onto the purchase price and usually represent about 1-2% of the purchase price.  The main items are the escrow fee, title insurance, and city/county transfer taxes.  Most buyers and sellers choose “the standard allocation” of closing costs for their county.  But closing costs are negotiable too, so if you want any unique apportionment of closing costs between the parties, then the negotiations stage is the time to say so.  The typical allocation of closing costs varies from county to county – click here for a helpful list for Northern California.

(3) Initial Deposit – Also called an ‘earnest money’ deposit, this is the dollar amount that the buyer deposits (goes toward the purchase price) with the escrow company  promptly upon the signing of a formal agreement (usually deposited within 3-days of signing).  A useful rule of thumb is that earnest money rarely exceeds 1% of the purchase price.

(4) Property Condition –  The parties should discuss the physical condition of the property and any appliances that will be included with the sale.  If the buyer wants the seller to make any repairs prior to the close of escrow, then those repairs need to be stated clearly in the signed purchase contract (usually described in an addendum/attachment).  Whether repairs are requested or not, after the purchase agreement is signed it is customary for the buyer to hire a contractor to perform a home inspection (average cost: $300-$500), and for the seller to provide a termite inspection report from a local contractor (average cost: $150).  After receiving these reports, if the buyer does not like what he finds (i.e., cracks in the foundation), the buyer has the right to promptly cancel the agreement and receive a full refund of any initial deposit.

(5) Close of Escrow Date – On this date the deed is transferred to the buyer, and the escrow pays off any of loans owed by seller on the property, and the seller receives the remainder of funds.  This date is usually at least 30-days from the time that the purchase agreement is signed.  So, in the purchase agreement you can specify this date either specifically (i.e., December 1, 2012) or generally (i.e., approximately 60 days).

(6) Other Key Dates – the parties need to specify the dates when:

  • (a) The seller will provide buyer with all the required disclosures — usually these are provided no later than 7 days after signing the purchase agreement
  • (b) The buyer will finish his home inspections — usually these are completed within 17 days.
  • (c) The buyer will confirm that his loan has been arranged and that the lender will pay out the funds on the date for close of escrow — usually this is confirmed within 17 days.

(6) Any Contingencies –  If the buyer is getting a loan, then the agreement will need a loan contingency.  Contingency is just a legal term meaning that some event needs to happen first before the agreement can be completed (i.e., loan must be approved, or buyer must first sell his own house); and if that event does not happen, then the agreement will not be consummated.  So for example – with a loan contingency, the buyer is only obligated to go forward with the purchase if he can get a satisfactory loan.  If the buyer tries diligently (in good faith) to get a loan, but is unable to do so, then the buyer is entitled to a refund of any initial deposit and the parties just walk away.  Thus, for purposes of the purchase contract the buyer needs to state how much money (the % of the purchase price) that he is prepared to put down (pay out-of-pocket) for the house to get a loan.  In the typical home sale these days, the buyer should be prepared to put down 20%-25% of the purchase price in order to get a conventional bank loan.

Formal Purchase Offer

A formal purchase offer is a complete and written ‘agreement’ document signed by the buyer and presented to the seller.  It becomes a binding contract when the seller signs it.  Or the seller can choose to present a counter-offer (see section below on counteroffers).

The purchase offer should be specific enough to define the key terms. Please see the six-part list above for the key terms that need to be in the purchase contract offer.  And here is an example: Purchase Offer Sample.  As a real estate attorney, I generally use a CAR form, especially when working with sellers who are represented by an agent.  It adds to the mutual confidence of both parties, and lenders like CAR forms too.

If the seller accepts the offer by signing it within the allowed time stated in the offer, then a valid contract is formed.  To open escrow, just give a copy of the contract to whatever escrow company the parties mutually choose.


Many times, especially where the parties have chosen to forego informal negotiations, the seller will respond with a counteroffer.  Then it is up to the buyer, to either accept the seller’s counteroffer or continue the formal negotiation process by presenting the seller with yet another counteroffer.

A counteroffer is accepted when both parties sign it.  If the counteroffer is not a complete contract itself (i.e., it is a 1-page document stating only a few sentences that request changes to the original offer) then to form an agreement it will be necessary for the parties to concurrently sign the original offer that the counteroffer is modifying, so long as they all handwrite at the bottom of the original offer, “See counteroffer dated _______”

Legally, if the seller presents a counteroffer and the buyer rejects the counteroffer, then the seller cannot go back to the original offer and accept it unless the buyer explicitly says the original offer is still valid despite the counteroffer.   This is because a counteroffer acts as an automatic rejection of the original offer or previous counteroffer, unless explicitly stated otherwise.

Greg Glaser, Attorney at Law
San Francisco Bay Area – Northern California
(925) 642-6651
Flat Fee Packages Available for Buyers and Sellers Without a Realtor

Reviewing exceptions/exclusions in a preliminary title report in California

Reviewing a preliminary title report is generally one of those topics for which you may benefit from the experience of a real estate attorney.  A preliminary title report is simply an offer for title insurance – it is often both negotiable and correctable.      

1. Report says: “Taxes and assessments, general and special, for the fiscal year [current year] – [next year], a lien, but not yet due or payable.”

Attorney Glaser: These are probably standard taxes.  If you have an escrow open pursuant to an ordinary home purchase agreement, then taxes will be apportioned (by the escrow) between the parties during the year of the sale.  More information about your property taxes can be found within your Natural Hazard Zone Report, which has a special section devoted to special assessments in your district.

2. Report says: “Taxes and assessments, general and special, for the fiscal year [prior year] – [prior or cur, as follows: [table with property tax info]

Attorney Glaser: You or your escrow officer should check with your County tax assessor to see if back taxes are due on the property.  You may be dealing with a property that was previously subject to foreclosure or tax problems.   If you have an escrow open pursuant to an ordinary home purchase agreement, then back taxes will most likely be paid by the seller (prior to or at close of escrow). This is no biggie.  Check your purchase agreement. Here’s a tip for home buyers and their realtors: on the CAR Form Purchase Agreement section 4D7, check the box for “Seller will pay” and then write, “any sums owing sellers lenders, and any delinquent taxes/liens/judgments.”  This will help make the agreement even more explicit that seller must pay these back taxes.  It will also cover this common sentence in title reports, “Any claim of lien for services, labor or material arising from an improvement or work under construction or completed at the date hereof.”

3. Report says, “Said property having been declared tax defaulted for non-payment of delinquent taxes for [prior year] – [prior or current year]”

Attorney Glaser: You are likely dealing with a property previously subject to foreclosure or tax problems.  Check with your County tax assessor to see if back taxes are still due on the property.   Ask your title officer is there is a trustee’s deed or sherriff’s deed recorded on the property.  You might also be able to find this information directly on the title report, as in “Any insufficiency of the proceedings leading up to and including the recording of the trustee’s deed.” There are some notable legal and practical issues regarding purchasing property that was recently foreclosed upon.  Most buyers just want to know if the foreclosed-out homeowner can come back to reclaim the property?  The answer is most likely no.  In California, post-sale redemption is only available for judicial foreclosures (except where there is a nonjudicial foreclosure by a homeowners association) and not for private sales. Errors in the private sale process can create some wrinkles so consider title insurance.

4. Report says, “Rights and claims of parties in possession.”

Attorney Glaser: This item is just another one meant to protect the title insurance company. It means that if there is anyone living in the property right now, it’s the buyer’s responsibility to deal with them.

5. Report refers to Easements and/or CC&Rs

Attorney Glaser: Utility easements (roads, lines, poles) are very common. Neighbor easements are less common – review the records on file. Subdivision easement examples: “Easements for ingress, egress, private rights and/or utilities and incidental purposes, as disclosed by docs of record affecting the ‘Common Area'”, “Covenants, Codes, and Restrictions”, “Agreement for Subdivision Improvement”.  These may refer to CC&Rs – a document that limits what you and your neighbors can do on a property in your subdivision/neighborhood.  You may want to review a copy of the document. Sometimes though a reference to a subdivision just refers to some subdivision map on file.   Where the report refers to “Liens and charges for upkeep and maintenance as provided in the CC&Rs”.  This just refers to annual/monthly HOA dues, or community subdivision dues.  It’s generally a smart idea to give the local HOA a call to confirm the property is current on the HOA dues.

6. Report says, “Any claim to set aside the trustee’s deed [identifying info], in bankruptcy proceedings filed by [name] within [x] years from the foreclosure sale.”

Attorney Glaser: This is a standard “Durrett clause”. Do you have any specific information that a bankruptcy was involved on the property?  If there was a bankruptcy sale, the title report would normally state “bankruptcy trustee’s deed”.  However, that is not always the case, so it may be worth a quick call to the former trustee to confirm.  Generally, things can be a bit more cumbersome when a debtor is involved in active bankruptcy proceedings.  For example, the inadequacy of the consideration can be grounds to have a sale set aside under federal bankruptcy laws. If the sales priced does not equal or exceed 70 percent of the property’s fair market value, the sale can be voided as a fraudulent transfer if the debtor files for bankruptcy within one year of the sale.  Notably, in order to set aside the sale in a legal action, the debtor must first repay or offer to redeem the property from the purchaser at the price brought at the foreclosure sale.

7. Report says, “We find various Liens and Judgments, that are of record against persons with similar or the same name as that of our vestee(s) shown herein.  In order to complete this report, this Company requires a Statement of Information to be provided for the following vestee(s), which may allow and assist the elimination of some or all of said Liens and Judgments.  After review of the requested Statement(s) of Information, the Company reserves the right to add additional items or make further requirements prior to the issuance of any Policy of Title Insurance.  Vestee(s): [names of the sellers]”

Attorney Glaser: This is a boilerplate clause that some title companies like to put in preliminary title reports — it does not necessarily mean that there are actual liens on the property.  Rather, it just means the title company asks its home sellers to fill out a simple form that provides some background information before they issue a title policy.  So don’t worry about it – if there were liens recorded on the property, those liens should show up on the preliminary title report rather than just the above boilerplate language.

Showing a FSBO Home

After you’ve placed an ad for your home (listed it), then you will start to receive phone calls and/or emails about it.

Screening Phone Calls and Emails

Interested buyers may call or email directly, or you may get calls/emails from realtors. Some of the calls from realtors are just phishing (solicitation) calls and others are legitimate calls.

  • Legitimate Calls. While you are talking on the phone, ask how this buyer or agent learned your house was available. And here’s the general info you’d like to learn about the buyer before a showing: whether the buyer is local or from out of town, whether they have kids, if they have family in the area, what are their jobs, are they renting or owning right now, have they pre-qualified with a lender.  The buyer or agent should also be willing to provide you the buyer’s name and agent’s or buyer’s phone number.  Likewise, you as the seller should also be prepared to answer basic questions about the property condition, property history, and also why you are moving. Tell the truth.
  • Phishing Calls from Realtors. Expect some of your initial calls to be solicitation attempts from local real estate agents who want to help you sell the house for a seller’s commission – you can just advise them that you are okay and confident proceeding as a FSBO.  If they try to convince you FSBOs are less effective, then perhaps they haven’t considered why FSBOs are so common with intelligent sellers, and also why it is also common to have a closing attorney (such as myself) assist with all the paperwork and disclosures.  In any case, if the realtor on the phone is unable to present you with a specific buyer’s name, then you are likely receiving an unsolicited phishing call, so you should not feel guilty by respectfully declining any meeting or showing.  Indeed, some of my clients have been treated very rudely during phishing calls, and have even had realtors claim they will not bring ‘their buyer’ to see the property unless the seller will first agree to allow that realtor to represent both parties (dual agency).  Don’t fall for the trick – the realtor is already professionally obligated to their buyer clients to show them homes in good faith.
  • Suspicious Calls. If you have a suspicious feeling about the person’s moral character or identity during the initial call, just don’t schedule anything – simply take down their information, and advise them that you are managing the long process of receiving inquiries so you will log this inquiry and talk it over with your family members before next steps.  Trust your instincts and don’t show the home to anyone suspicious – there’s a reason for the phrase ‘better safe than sorry’.  Your home is naturally a private place.


Assuming your home is physically ready, you can begin to set appointments and show the place.  Generally, you want to allot about an hour or so for the tour.  You should keep a list of everyone who tours your home, including at least their name and phone number.  If you have security concerns, try to schedule tours at a time when there will be an adult male family member or neighbor in the home.  Some neighbors are happy to pre-screen buyers…


Calm and comfortable is generally what you’re going for here.  If you like, bake organic bread before/during the tour because the aroma is warm and comforting. Fresh flowers can add a nice feeling too.  A well-lit home is often more attractive…

You can let the buyer tour the house freely if you like, but it is conventional advice that most buyers prefer a guided or semi-guided tour. In addition to added security, this provides the seller an opportunity to point out the many features of the home, the property history, the neighborhood, and so forth.  Along these lines, try to remember what first attracted you to this house. Talk about what has been updated or recently replaced and emphasize what you have done to maintain the home. Discuss the advantages of the location, the neighborhood, close proximity to schools, parks, the local book store.   Perhaps you want your prospect to envision living in the home. A positive attitude is very important toward that end.

Some more conventional advice is that unless your prospective buyer is bringing their children, you may wish for your own kids to stay at Grandma’s.  For example, if your child is watching television, the buyer may feel intrusive in touring that room.  I think it depends – you can generally gauge interested buyers during your initial phone call.  I like to think that most people enjoy seeing a home in some organized action, with the dog running in the back yard, the kids playing, dad reading or working in the garage. There’s no right answer here in my book.

Following Up

Don’t be discouraged if you don’t hear back from a prospective buyer – there are a lot of window shoppers out there.  Consider waiting a couple of days before following up with a call or email. All you really need to ask when following up is if they have decided on a home yet.  If they haven’t, then you should ask whether your home is one they are considering. This gives the buyer the opportunity to talk about your home.  You can generally gauge their interest from the specifics they provide.

Next Steps

Generally the next step is negotiation of the purchase contract’s essential terms: price and timing.  Here’s my article on the FSBO process:

And I intend to write many articles here at NorCal FSBO about purchase contract logistics and standard practices.  Thanks for reading.

Greg Glaser, Attorney at Law
San Francisco Bay Area – Northern California
(925) 642-6651
Flat Fee Packages Available