The availability of homes and the current lending rates are making it more attractive for new home buyers and those looking to upgrade their current flats or houses. With all the new lending programs and options that are available it can get very confusing to understand what method of financing or refinancing may be your best option. The experts at Johnson and Gaunt solicitors oxford professionals can help in residential and business real estate deals. There are many occasions when you might need a solicitor to help when in a dispute or to even avoid a potential legal battle. Because the laws have become more strict for lenders an solicitor that specializes in real estate will be able to uncover potential predatory practices that may have gotten you into your current situation. For those that are having to face foreclosure there are specific laws and programs that are now in place to help you protect your home provided you are able and willing to do your part. The unethical lenders are the ones that helped to start this whole mess and there are still lenders out there trying to convince homeowners that they can be better off by refinancing even though they may be upside down in their current loan.