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    reAlpha Realty

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    Denison, TX 75020

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    Information and/or dates are subject to change without notice. All loans are subject to credit approval.

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    Important legal disclosures

    1The rebate offer is available only to customers who buy a home through real estate services by reAlpha Realty, LLC, Prevu Real Estate LLC, and Prevu Real Estate, Inc., licensed real estate brokerages, with the option to use reAlpha Mortgage where available. You may qualify for a closing cost credit up to 1.5% of the purchase price (up to 1.0% for real estate services, plus up to 0.5% when you also use reAlpha Mortgage). Example: $550,000 × 1.5% = $8,250. Credits are not guaranteed and service availability varies by state.

    Example savings are illustrative and may not be representative of actual customer savings. Rebate may not be redeemed for cash, is not transferable, and may not be rolled over. Additional terms, conditions and exclusions apply. Rebate is subject to change at any time, except as otherwise required by law or expressly agreed to in writing.

    Homebuyers who purchased a home with reAlpha Realty, LLC, Prevu Real Estate LLC, or Prevu Real Estate, Inc., licensed real estate brokerages, in 2025 received a median rebate of $10,450.

    Customers are not required to use services of any affiliated companies. Learn more.

    Some images on this website may be AI-generated and are used solely for illustrative purposes. All property listing images are actual photographs unless clearly marked otherwise.

    Blogs /Mortgage Terms

    What Happens When the Government Takes Private Property?

    July 30, 2025

    9 minutes

    What Happens When the Government Takes Private Property?

    Imagine waking up to a letter saying the government plans to take your home or land. Shocking, right? You’re not alone. Eminent domain affects thousands of homeowners every year. And if you're not prepared, you could lose more than just your property, you could lose peace of mind and potential compensation you rightfully deserve.

    Don’t worry, we’ve got you.

    This guide walks you through what eminent domain is, how it works, and most importantly, what you can do to protect yourself and your property.

    Key Takeaways:

    • Eminent domain allows the government to take private property for public use, but not without just compensation.
    • Property owners have legal rights and may challenge the government’s actions in court.
    • Understanding the process helps you protect your rights and possibly negotiate better compensation.
    • The process varies by state, but must follow constitutional and statutory rules.
    • Always consult a qualified attorney if you receive an eminent domain notice.

    What Is Eminent Domain?

    Eminent domain is the legal power of the government to take private property for public use, such as highways, schools, or railways. It’s backed by the Fifth Amendment of the U.S. Constitution, which states:

    nor shall private property be taken for public use, without just compensation.

    That means they can’t just take your home for no reason, and they must pay you fair market value.

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    How Does the Eminent Domain Process Work?

    Here’s a simplified breakdown of what typically happens:

    1. Public Use Identified: A project like a freeway expansion is approved.
    2. Property Surveyed: Your property is deemed necessary for the project.
    3. Offer Made: The government makes you an offer based on an appraisal.
    4. Negotiation or Condemnation: You can accept, negotiate, or reject.
    5. Court Involvement: If no agreement, the case may go to court.
    6. Compensation Paid: If the court sides with the government, you receive just compensation.

    Pro Tip: Even if you accept the offer, you might be able to negotiate for more, especially if the initial offer doesn’t reflect relocation costs, business losses, or special property features.

    What Counts as "Public Use"?

    "Public use" has broadened in recent years. Traditionally, it meant roads or schools. Now it can include:

    • Utilities (power lines, water infrastructure)
    • Redevelopment projects
    • Public transportation hubs

    This has led to legal battles, some reaching the Supreme Court, about what truly benefits the public.

    Can You Fight Eminent Domain?

    Yes, and many homeowners do. You can:

    • Challenge the public use claim
    • Dispute the offered compensation
    • Contest procedural errors

    But you need legal help. Eminent domain law is complex and varies by state.

    Heads up: Deadlines for filing objections or appeals can be very short, sometimes as little as 30 days.

    Your Rights as a Property Owner

    You're entitled to:

    • Advance notice of proceedings
    • A written offer based on a fair appraisal
    • Access to independent appraisals
    • Legal representation
    • Just compensation

    Understanding these rights is critical to ensuring you don’t walk away with less than you deserve.

    Real-Life Case Studies

    Example 1: Highway Expansion in Texas A couple was initially offered $180,000. With legal support and a second appraisal, they negotiated $260,000 plus relocation costs.

    Example 2: Redevelopment in Ohio An elderly homeowner fought the "public use" claim and won, keeping her family home.

    What Should You Do If You Receive an Eminent Domain Notice?

    • Don’t panic: This is a legal process, not a done deal.
    • Do not sign anything immediately
    • Hire a lawyer experienced in eminent domain
    • Request an independent appraisal
    • Document everything

    A Smarter Way to Buy a Home -and Save at Closing

    Buying a home is a big decision - and having the right information puts you ahead. But the real advantage comes from pairing smart research with a smarter way to buy.

    When you use a reAlpha real estate company, you can be eligible to receive up to 1% of the home purchase price back as a credit at closing. Add reAlpha Mortgage, and that rebate can increase to up to 1.5% back, helping offset closing costs and keep more money in your pocket when it matters most.

    The rebate is simple, transparent, and applied directly at closing - no complicated hoops, no delayed payouts. Just real savings tied to using a fully integrated homebuying experience.

    See how much you could save:

    • Check your eligibility
    • Explore homes that fit your budget today.
    • Your next move could come with thousands back at closing.

    Estimate your savings → Rebate Calculator

    Buying a Home? Get up to 1.5% Cash Back at Closing

    Get pre-approval first, and start exploring homes knowing you may get part of the home price back at closing.

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    FAQs

    Can the government take my house?

    Yes, under eminent domain laws, but only for public use and with just compensation.

    What if I refuse the government’s offer?

    You can negotiate or take the case to court with the help of an attorney.

    What does 'just compensation' mean?

    It typically means fair market value, but you can challenge this if you believe it’s too low.

    How fast does the process move?

    It can move quickly. In some states, notices require a response within 30–60 days.

    Can renters be affected?

    Yes. While they may not own the property, renters may be entitled to relocation assistance.

    Disclosure:

    This blog is for educational purposes only and does not constitute legal advice. Please consult a qualified attorney for guidance specific to your situation. Mortgage services are offered by reAlpha Mortgage (NMLS #1743790). reAlpha and reAlpha Mortgage are affiliated companies that work together to help buyers save more through integrated services.

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    Article by

    RB
    Rocky Billore

    Rocky Billore is a mortgage industry leader and Chief Sales Officer with over two decades of experience across residential and commercial lending. Since entering the industry in 2004, he has been directly involved in funding more than $1.4 billion in loans. A recognized expert in VA and government lending, Rocky combines deep program knowledge with a data driven, relationship-first leadership style. His work focuses on building scalable sales organizations, developing high performing teams, and aligning technology with real world lending outcomes to improve the homeownership experience.

    Further Reading

    Mortgage-Backed Securities: How MBS Can Boost Your Portfolio
    Top Mortgage Lenders in Maryland
    How Much Does It Truly Cost to Close a Home Loan? Key Insights You Shouldn’t Miss

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