Does Bank of New York Mellon own your loan? Do you owe more than your property is worth? Are you unable to make your mortgage payments, or have stopped paying on your mortgage for over five years? At the Law Offices of Jacqueline A. Salcines, PA we represent property owners that are being sued by […]
Unlike many other states, in Florida, the end of a foreclosure lawsuit or short sale, where the balance of the mortgage exceeds the property value, will likely result in the Bank coming after you for the mortgage balance. This is called a deficiency balance or deficiency judgment If the bank gets a deficiency against you, […]
If you are currently having difficulty making your mortgage payments and in fear of losing your home to foreclosure, the Making Home Affordable Program has options available to assist you. There are many new and different programs to assist a wide array of borrowers. Whether: Your home value has dropped You are a member of the […]
If you are currently unemployed, and having difficulty paying your mortgage, the Making Home Affordable Program has options available to assist you. You may be eligible for the HOME AFFORDABLE UNEMPLOYMENT PROGRAM (UP) modification if you meet the following criteria: You are unemployed and eligible for unemployment benefits; You occupy the house as your primary […]
If you are a service member and having difficulty paying your mortgage, the Making Home Affordable Program has options available to assist you. You may be eligible for HAMP modification if: You occupied the property but were transferred to an out of area job causing a permanent change in station (PCS) order ; You intend to […]
LET US ALL BREATHE A SIGH OF RELIEF……… Ocwen Financial Corp., the nations largest non-bank has lost its servicing rights in two bond deals, announced Thursday. As well all know, dealing with Ocwen in both loan modifications and short sales is nothing short of exhausting. With time frames that don’t coincide with American business practices, […]
METLIFE HOME LOANS has agreed to settle its claims on its mortgage lending violations for $123.5 million. Metlife Home Loans’, a mortgage finance company out of Irving Texas, violations stem from allegations that it violated lending regulations that contributed to the mortgage foreclosure debacle. Under the False Claims Act, Metlife is being held accountable for […]
The Consumer Financial Protection Bureau (CFPB) reports that the number one complaint they receive is from Non-borrowing spouses who survive the borrowing spouse and wish to keep the house. When the borrower spouse dies, the surviving spouse often faces foreclosure, despite the fact that they wish to keep the house. If they can add their […]
The March 2, 2015 deadline to apply for Homestead Exemption in Miami is fast approaching. A homestead exemption is when a property is owned by a person that uses the home as their primary residence as defined by Florida Statutes. In order to qualify for a homestead exemption, aside from being a primary residence, the […]
IS YOUR FORECLOSURE SALE FAST APPROACHING? IS YOUR LOAN MODIFICATION NOT YET APPROVED? IS YOUR SHORT SALE STILL NOT APPROVED, OR WORSE, DO NOT HAVE A CONTRACT YET? WE CAN HELP. AT THE LAW OFFICES OF JACQUELINE SALCINES, P.A. WE HAVE BEEN ASSISTING HOMEOWNERS WITH THEIR MORTGAGE AND FORECLOSURE DEFENSE FOR OVER 15 YEARS. AS […]