EXPERIENCED LANDLORD/TENANT ATTORNEY

JACQUELINE A. SALCINES, ESQ.

House and lawTenants in Florida often take the law into their own hands and think that by withholding rent they are going to get their landlord’s attention. While they do get the landlord’s attention, it often results in their getting a 3-Day notice of eviction.  For many tenants, unfamiliarity with Florida Statutes Chapter 83 places their possession of the home in jeopardy.

Tenants should be aware of 5 common mistakes they make so as to avoid facing an unlawful eviction for trying to get a Landlord to comply:

  1. PUT IT IN WRITING.  A mere text or phone call to complain of a problem or issue is not enough. You must review the terms of the lease to see what type of notice requirements it calls for. If it requires notice to be sent to landlord in writing, then this must be followed in order to preserve your rights under the lease.
  2. DONT TAKE MATTERS INTO YOUR OWN HANDS.  If for example, the air conditioner breaks, you are not permitted to fix it on your own or move out temporarily and get a hotel room and stop paying rent. You must advise the landlord and allow them the necessary days to fix it. This may require sending over an expert repair man. So be patient in order to preserve your rights.
  3. GET IT IN WRITING.  Only what is written into a lease will control the terms and obligations of both the landlord and the tenant. So if you are about to move in and the landlord verbally tells you he will paint or replace the carpets, if it is not in writing, then he or she is not obligated.
  4. MOLD.  Mold is a huge issue in South Florida and many tenants think that just because they are ill or have allergies, the landlord is responsible.  This is not the case. You must have proof of the mold. You must have a mold inspection report and you must have medical treatment.
  5. YOU CAN VACATE THE PROPERTY AND NOT BE RESPONSIBLE FOR REMAINDER OF THE RENT ONCE YOU VACATE.  This is not the case. You are responsible, if you have a written lease and there are months remaining, for the balance of the rental term.  You may be sued for the remainder of the term. So be careful and get permission to move out and be off the hook in writing from the Landlord.

At the Law Offices of Jacqueline Salcines, PA, we are experienced real estate litigators, and very knowledgeable in landlord tenant law.  While hiring us to help with the Lease Agreement prior to taking possession is always the best advice, often we are brought in to help when the tenant has already stopped making payments.  As tenants, you have many rights that require protection. But Florida Chapter 83 is very strict and one misstep, or failure to communicate or cure a condition, could put you at risk

With over 16 years experience in real estate law and litigation, we are here to help.

At the Law Offices of Jacqueline Salcines, PA, attorney Jacqueline Salcines, as a real estate attorney for the past 16 years and holding a dual degree as an accountant,  we can protect your interests and your investment.

The first consultation is always free of charge.  Or email attorney Jacqueline Salcines directly your real estate question at J.Salcines@salcineslaw.com

TRUST |  COMMITMENT  | RESULTS

Jacqueline A. Salcines

Jacqueline A. Salcines

JACQUELINE A. SALCINES, ESQ.
706 S. DIXIE HIGHWAY
SECOND FLOOR
CORAL GABLES, FLORIDA 33146
TEL: 305 | 669 | 5280
DIRECT EMAIL:  J.SALCINES@SALCINESLAW.COM
 

MIAMI DADE LOAN MODIFICATION AND FORECLOSURE ATTORNEYS

The Federal Housing Finance Agency (FHFA) announced last week a new program to significantly reduce and forgive mortgage principal balance for delinquent Fannie Mae and Freddie Mac loans.  The impact of the program is expected to assist underwater homeowners that are still struggling with mortgage payments, high interest rates, and inability to refinance because of lack of equity.

Approximately 33,000 homeowners will be eligible for the program.  Applicants must be:

  1. Primary Residence applicant;
  2. Fannie Mae or Freddie Mac loan;
  3. 90 days or more past due on the mortgage as of March 1, 2016;
  4. Mortgage outstanding unpaid principal of no more than $250,000.00

The program will more than likely result in many borrowers reaching out to lenders to see if they qualify.

If you feel you can benefit from this program, and meet the requirements above, at the Law Offices of Jacqueline A. Salcines, PA, we are here to help.

We are keenly aware of the requirements and are able to sit with the borrowers, review their financials data, and provide solutions for their homeownership mortgage problems.  Allow my team of attorneys and accountants to go to work for you so you do not fall victim and lose your home.

At the Law Offices of Jacqueline A. Salcines, P.A., our lead real estate attorney brings over 16 years experience in the foreclosure, mortgage and real estate field as well as 20 in the accounting field. Ms. Salcines has been helping homeowners in foreclosure for over 10 years and is available by email to answer all your questions and concerns, without ever charging a consultation fee.

Call us today to set up an appointment to discuss your purchase or sale. We are here for you!

Main office 305 | 669 | 5280. Or email the attorney directly: J.Salcines@Salcineslaw.com

TRUST |  COMMITMENT  | RESULTS

Jacqueline A. Salcines

Jacqueline A. Salcines

JACQUELINE A. SALCINES, ESQ.
706 S. DIXIE HIGHWAY
SECOND FLOOR
CORAL GABLES, FL 33146
TEL. 305 669 5280

Email:  J.SALCINES@SALCINESLAW.COM

EXPERIENCED LANDLORD/TENANT ATTORNEY

JACQUELINE A. SALCINES, ESQ.

For many homeowners, renting their homes is a daunting task. Burned by prior tenants or merely new to the rental industry, and unaware of their Bankruptcyobligations or requirements as landlords, many homeowners face savvy nonpaying tenants.  At least once a week, I assist a Landlord with an nonpaying tenant who has decided to take the law into their own hands.

While hiring us to help with the Lease Agreement prior to the tenant taking possession is always the best advice, often we are brought in to help when the tenant has already stopped making payments.  As landlords, you have many rights that require protection. But Florida Chapter 83 is very strict and one misstep, or failure to communicate or cure a condition, could put you as a landlord in the hot seat.

Evictions are expensive and time consuming.  And often, tenants know the law better than the landlords from being evicted so often, and they know how to play the game to get the most time in the home, rent free.

If you are a landlord and require the services of a landlord tenant attorney, call us today.

With over 16 years experience in real estate law and litigation, we are here to help.

At the Law Offices of Jacqueline Salcines, PA, attorney Jacqueline Salcines, as a real estate attorney for the past 16 years and holding a dual degree as an accountant,  we can protect your interests and your investment.

The first consultation is always free of charge.  Or email attorney Jacqueline Salcines directly your real estate question at J.Salcines@salcineslaw.com

TRUST |  COMMITMENT  | RESULTS

Jacqueline A. Salcines

Jacqueline A. Salcines

JACQUELINE A. SALCINES, ESQ.
706 S. DIXIE HIGHWAY
SECOND FLOOR
CORAL GABLES, FLORIDA 33146
TEL: 305 | 669 | 5280
DIRECT EMAIL:  J.SALCINES@SALCINESLAW.COM
 

EXPERIENCED MORTGAGE AND REAL ESTATE ATTORNEY

JACQUELINE A. SALCINES, ESQ.

Many homeowners think that refinancing is as easy as walking into a local bank or finding one online and applying for a new loan.

There are many factors that go into a refinance, specially in the middle of another high property value boom in South Florida, borrowers need to make sure you Property values are exact and correct, as well as that you are given proper credits at closing.

If you do not select a title agent, the lender will select one for you.  That means, you will not know what is being charged to you until closing.

As a homeowner already having a loan, you are entitled to a “reissue credit” off your title insurance, though many title companies wont credit you at closing.

Know your rights and demand your proper credits.

At the Law Offices of Jacqueline Salcines, PA, attorney Jacqueline Salcines, as a real estate attorney for the past 16 years and holding a dual degree as an accountant,  acts as title agent and real estate attorney to protect your interests.

The first consultation is always free of charge.  Or email attorney Jacqueline Salcines directly your real estate question at J.Salcines@salcineslaw.com

TRUST |  COMMITMENT  | RESULTS

Jacqueline A. Salcines

Jacqueline A. Salcines

JACQUELINE A. SALCINES, ESQ.
706 S. DIXIE HIGHWAY
SECOND FLOOR
CORAL GABLES, FLORIDA 33146
TEL: 305 | 669 | 5280
DIRECT EMAIL:  J.SALCINES@SALCINESLAW.COM
 

Miami day,FloridaEXPERIENCED REAL ESTATE ATTORNEY

JACQUELINE A. SALCINES, ESQ.

HIRE THE SERVICES OF A KNOWLEDGEABLE REAL ESTATE ATTORNEY WHEN YOU ARE BUYING OR SELLING PROPERTY IN FLORIDA.

Whether you are buying or selling real estate in Miami, Florida, don’t go it alone.  South Florida homeowners are once again reaping the rewards of high property values and the decision to buy or sell is a big one.  Having a real estate attorney who is also an accountant and title agent in your corner can make all the difference.

Often I am called in the middle of a deal, because the contract or transaction has gone sour.  It is not easy to obtain favorable terms for a buyer or seller when the contract is already signed.

When you hire the Law Offices of Jacqueline A. Salcines, PA, we are with you from the time the contract is being drafted, to obtain the most favorable terms for you, our client, to the closing table.

We make sure that you and your deposits are protected as well as act as title agent, to make sure title is examined and clear.  To make sure there are no liens or open permits on the property and the closing is a smoothe one.

At the Law Offices of Jacqueline Salcines, PA, attorney Jacqueline Salcines is not only a realtor, but holds a dual degree in both accounting and law and can provide both tax and legal advice.

The first consultation is always free of charge.  Or email attorney Jacqueline Salcines directly your real estate question at J.Salcines@salcineslaw.com

TRUST |  COMMITMENT  | RESULTS

Jacqueline A. Salcines

Jacqueline A. Salcines

JACQUELINE A. SALCINES, ESQ.
706 S. DIXIE HIGHWAY
SECOND FLOOR
CORAL GABLES, FLORIDA 33146
TEL: 305 | 669 | 5280
DIRECT EMAIL:  J.SALCINES@SALCINESLAW.COM
 

South Florida homeowners are once again reaping the rewards of high property values, causing many homeowners to be eligible to either refinance their homes, or take out equity lines, for a cash out.

Refinancing allows a new loan to replace an old one. The reason to refinance are either to obtain a better interest rate or terms then exist on the current mortgage, or, to take cash out against the property.

An example of a refinance is:

Current Loan balance:                                   $250,000.00                    Interest rate:  5.75%                         Payment: $1458.00

Fair Market Value of home                            $450,000.00

Equity:                                                                $200,000.00

New Loan                                                            $$360,000.00               New Interest rate:  3.75%               Payment: $1667.00

Cash to homeowner borrower at closing:                     $110,000.00

In this example, the borrower is paying $209.00 dollars more a month however gets $110,000.00 at closing paid to them for their own use.  They can either pay credit cards, debt, buy a car, buy another property. Or merely keep it in the bank for future needs.

If you feel your home has equity, or are unsure, call us.

At the Law Offices of Jacqueline Salcines, PA, attorney Jacqueline Salcines is not only a realtor, but holds a dual degree in both accounting and law and can provide both tax and legal advice.

The first consultation is always free of charge.  Or email attorney Jacqueline Salcines directly your real estate question at J.Salcines@salcineslaw.com

TRUST |  COMMITMENT  | RESULTS

Jacqueline A. Salcines

Jacqueline A. Salcines

JACQUELINE A. SALCINES, ESQ.
706 S. DIXIE HIGHWAY
SECOND FLOOR
CORAL GABLES, FLORIDA 33146
TEL: 305 | 669 | 5280
DIRECT EMAIL:  J.SALCINES@SALCINESLAW.COM
 

So, the Third District Court of Appeal has finally reached a decision in the Deutsche Bank v.  Beauvais case, and it is not favorable to borrowers.  the Court sided with Lenders in prolonged foreclosure cases.  In essence, the Opinion by the Court of Appeals allows lenders to pursue foreclosure cases, even after the 5  years after nonpayment have expired.  The Third DCA now agrees with the Fifth DCA finding that a missed mortgage payment after an initial failed foreclosure lawsuit stats the five-years all over again.

This ruling will allow lenders to pursue foreclosures and sides with the Supreme Court in Singleton v. Greymar Associates.

Singleton is a landmark ruling that allows lenders to bring foreclosure suits even after courts dismiss earlier foreclosure suits with prejudice.  It holds that new defaults AFTER unsuccessful foreclosure suits creates grounds for re-filing, or re-suits.  It also makes no distinction between foreclosure cases where lenders accelerated their loans to collect full payment and other, and allows lenders to maintain separate actions for defaults occurring even after acceleration.

The ruling in essence means borrowers who win in foreclosure must make payments under their loan contracts, or lenders can move to foreclose after any subsequent breach.

If you are unsure whether your foreclosure can be defended, or are facing foreclosure and require the assistance of a knowledgeable attorney, call the Law Offices of Jacqueline A. Salcines, PA.

We are happy to explain the Court’s decision in length and see if you are protected under the new ruling.

For more information, call to  speak to real estate attorney Jacqueline Salcines, PA, today. She holds a dual degree in both accounting and law and can provide both tax and legal advice.   The first consultation is always free of charge.  Or email attorney Jacqueline Salcines directly your real estate question at J.Salcines@salcineslaw.com

TRUST |  COMMITMENT  | RESULTS

Jacqueline A. Salcines

Jacqueline A. Salcines

JACQUELINE A. SALCINES, ESQ.
706 S. DIXIE HIGHWAY
SECOND FLOOR
CORAL GABLES, FLORIDA 33146
TEL: 305 | 669 | 5280
DIRECT EMAIL:  J.SALCINES@SALCINESLAW.COM