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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='color:#1F497D'>One could make the argument that Florida is considered a “lien” state and case law has held that a mortgage is not a transfer of “interest” in real property and therefore does not need two subscribing witnesses. Good question though. Let me know if you find the answer.<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><span style='font-family:"Book Antiqua","serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Book Antiqua","serif";color:#1F497D'> </span><b><i><span style='font-size:12.0pt;font-family:"Book Antiqua","serif";color:#1F497D'>Raymond L. Robinson, Esq.<o:p></o:p></span></i></b></p><p class=MsoNormal><b><i><span style='font-family:"Book Antiqua","serif";color:#1F497D'> Office: (305) 662-7618 </span></i></b><b><i><span style='font-size:12.0pt;font-family:"Book Antiqua","serif";color:#1F497D'><o:p></o:p></span></i></b></p><p class=MsoNormal><b><i><span style='font-family:"Book Antiqua","serif";color:#1F497D'> Cell: (305) 632-4384<o:p></o:p></span></i></b></p><p class=MsoNormal><b><i><span style='font-family:"Century Gothic","sans-serif";color:#1F497D'> </span></i></b><b><i><span style='font-family:"Book Antiqua","serif";color:#1F497D'><a href="http://www.rrobinsonlaw.com/"><span style='color:#1F497D'>http://www.rrobinsonlaw.com/</span></a> </span></i></b><b><i><span style='font-family:"Century Gothic","sans-serif";color:#1F497D'><o:p></o:p></span></i></b></p><p class=MsoNormal><b><i><span style='font-family:"Century Gothic","sans-serif";color:#1F497D'><o:p> </o:p></span></i></b></p><p class=MsoNormal><span style='color:#1F497D'><img border=0 width=252 height=72 id="_x0000_i1034" src="cid:image002.png@01CE03A8.7133C3D0" alt="cid:image002.png@01CB0330.4CD28650"><img border=0 width=611 height=57 id="Picture_x0020_2" src="cid:image003.jpg@01CE03A8.7133C3D0" alt="LH Address Line"><o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='color:#1F497D'> <img border=0 width=120 height=169 id="Picture_x0020_3" src="cid:image005.jpg@01CE03A8.7133C3D0" alt="http://www.floridabar.org/TFB/TFBResources.nsf/Attachments/E9FCC9C6B2384C36852574FA00690DDC/$FILE/ConstructionLaw.jpg?OpenElement"> <img border=0 width=132 height=168 id="Picture_x0020_4" src="cid:image006.jpg@01CE03A8.7133C3D0" alt="cid:image001.jpg@01CC7158.CF9B3D60"> </span><span style='color:#1F497D'><img border=0 width=181 height=65 id="il_fi" src="cid:image007.jpg@01CE03A8.7133C3D0" alt="http://www.jbslawoffice.com/wp-content/uploads/2010/09/SuperLawyers_logo_2011.jpg"></span><span style='color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:7.5pt;font-family:"Arial","sans-serif";color:black'>* CONFIDENTIALITY NOTICE: This e-mail message, including attachments, if any, is intended only for the person or entity to which it is addressed and may contain confidential and/or privileged material. Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender by reply e-mail, destroy all copies of the original message, and do not disseminate it further. If you are the intended recipient but do not wish to receive communications through this medium, please advise the sender immediately.</span><span style='color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'> <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Book Antiqua","serif";color:black'>Connect with Robinson & Associates, P.A.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:black'><o:p> </o:p></span></p><p class=MsoNormal><span style='color:#1F497D'> </span><a href="http://www.facebook.com/pages/Robinson-Associates-PA/113822315326716?v=info"><span style='color:#1F497D;text-decoration:none'><img border=0 width=32 height=32 id="Picture_x0020_6" src="cid:image008.png@01CE03A8.7133C3D0" alt="Description: facebook 4040"></span></a><span style='color:black'> </span><a href="http://www.linkedin.com/pub/raymond-robinson/26/35b/a09"><span style='color:black;text-decoration:none'><img border=0 width=32 height=34 id="Picture_x0020_10" src="cid:image009.png@01CE03A8.7133C3D0" alt="http://ahaa.org/img/linkedin-icon.png"></span></a><span style='color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><img border=0 width=109 height=99 id="Picture_x0020_8" src="cid:image010.png@01CE03A8.7133C3D0" alt="qrcode.1344014[1]"></span><span style='color:#1F497D'><o:p></o:p></span></p></div><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> clc-discussion-bounces@lists.flabarrpptl.org [mailto:clc-discussion-bounces@lists.flabarrpptl.org] <b>On Behalf Of </b>Gibbons, Michael<br><b>Sent:</b> Tuesday, February 05, 2013 12:19 PM<br><b>To:</b> 'Roberts, Hardy L.'; 'Construction Law Discussion'<br><b>Subject:</b> Re: [CLC-Discussion] Can a construction lender bond off a construction lien?<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'><o:p> </o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>Yes. The lender has “an interest” via its mortgage in the real property on which the lien is imposed.<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal style='text-autospace:none'><b><span style='color:#1F497D'>Michael R. Gibbons (<a href="http://lowndes-law.com/our-people/michael-r-gibbons"><span style='color:black'>Bio</span></a>)<o:p></o:p></span></b></p><p class=MsoNormal style='text-autospace:none'><b><span style='color:#1F497D'>Shareholder</span></b><span style='font-size:10.0pt;color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:10.0pt;color:green'>Lowndes, Drosdick, Doster, Kantor & Reed, P.A.<o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:10.0pt;color:green'>215 N. Eola Drive<o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:10.0pt;color:green'>Orlando, FL 32801<o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:10.0pt;color:green'>Phone: 407-418-6378<o:p></o:p></span></p><p class=MsoNormal style='text-autospace:none'><span style='font-size:10.0pt;color:green'>Fax: 407-843-4444<o:p></o:p></span></p><p class=MsoNormal style='text-align:justify;text-autospace:none'><span style='font-size:10.0pt;color:green'>email: <a href="mailto:michael.gibbons@lowndes-law.com"><span style='color:black'>michael.gibbons@lowndes-law.com</span></a><o:p></o:p></span></p><p class=MsoNormal style='text-align:justify;text-autospace:none'><span style='font-size:10.0pt;color:green'>website: <a href="http://www.lowndes-law.com/"><span style='color:black'>http://www.lowndes-law.com</span></a><o:p></o:p></span></p><p class=MsoNormal style='text-align:justify;text-autospace:none'><span style='font-size:10.0pt;color:green'><o:p> </o:p></span></p><p class=MsoNormal style='margin-bottom:12.0pt;text-align:justify;text-autospace:none'><span style='font-size:10.0pt;color:green'> <img border=0 width=93 height=89 id="Picture_x0020_1" src="cid:image011.jpg@01CE03A8.7133C3D0"><o:p></o:p></span></p></div><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> <a href="mailto:clc-discussion-bounces@lists.flabarrpptl.org">clc-discussion-bounces@lists.flabarrpptl.org</a> [<a href="mailto:clc-discussion-bounces@lists.flabarrpptl.org">mailto:clc-discussion-bounces@lists.flabarrpptl.org</a>] <b>On Behalf Of </b>Roberts, Hardy L.<br><b>Sent:</b> Tuesday, February 05, 2013 11:55 AM<br><b>To:</b> 'Construction Law Discussion'<br><b>Subject:</b> [CLC-Discussion] Can a construction lender bond off a construction lien?<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>Anyone have any thoughts on this?<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'><img border=0 width=190 height=53 id="_x0000_i1026" src="cid:image012.png@01CE03A8.7133C3D0" alt="Carlton Fields"><br>Hardy L. Roberts</span></b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'><br>Attorney at Law / Board Certified in Construction Law by the Florida Bar<br>4221 W. Boy Scout Blvd., Ste. 1000<br>Tampa, Florida 33607-5780 <br>Direct: 813.229.4105 | Fax: 813.229.4133<br><br><a href="mailto:hroberts@carltonfields.com">hroberts@carltonfields.com</a> | <a href="http://www.carltonfields.com/">www.carltonfields.com</a> <br><a href="http://www.carltonfields.com/hroberts/">bio</a> | <a href="http://www.carltonfields.com/load.vcf?type=atty&id=49fd8f5b-3f72-45c2-9ca7-83799b9c8b29">vcard</a> <br><br><i>Confidential: This e-mail contains a communication protected by the attorney-client privilege or constitutes work product. If you do not expect such a communication please delete this message without reading it or any attachment and then notify the sender of this inadvertent delivery.</i> <o:p></o:p></span></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal style='margin-bottom:12.0pt'><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'><o:p> </o:p></span></p><p><b><span style='font-size:9.0pt'>Notice of Confidentiality:</span></b><span style='font-size:9.0pt'> This e-mail communication and the attachment(s) hereto, if any, are intended solely for the information and use of the addressee(s) identified above and may contain information which is legally privileged from disclosure and/or otherwise confidential. 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Each taxpayer should seek advice from an independent tax advisor with respect to any Federal tax issue(s), transaction(s) or matter(s) addressed, discussed or referenced herein based upon his, her or its particular circumstances. [v4.30] <o:p></o:p></span></p></div></body></html>