It’s Fast, Easy, and Secure. Miami-Dade County’s new Property Appraiser, Carlos Lopez-Cantera, is proud to announce and put into service a 100% online homestead application process. Miami-Dade Homeowners can now go online to complete the entire application process for Florida’s Homestead Exemption and for the Homestead Assessment Difference, commonly referred to as Portability. The Homestead… Read more »
Despite unprecedented times, legal issues and real estate does not take a rest. Call us any time day or night for a free phone or facetime consultation. ATTORNEY JACQUELINE SALCINES 305 669 5280 OR BY EMAIL: J.SALCINES@SALCINESLAW.COM
Why do more and more attorneys charge homeowners a monthly fee to defend their foreclosures and do little to earn their trust or save their home? The practice has been frowned upon by agencies and the motives behind such actions called into question as unethical. “In my law practice, I find more and more homeowners coming in to retain… Read more »
othing quite compares to owning your own home or investing in real estate. In fact, for many, this is the single most expensive investment made in their lifetime. And Miami’s residential and commercial real estate markets have certainly experienced an incredible turn around and appreciation from just 4 to 5 years back. And yet, with… Read more »
This is the first of an informational series to provide Seller and Buyers alike with the necessary tools and know-how to make their sale or purchase of real estate a smooth transaction. I hear it often from clients. This real estate business is so stressful. Should you sell now with property values rising? Should the Contract for… Read more »
DO I HAVE TO STOP PAYING MY MORTGAGE IN ORDER TO QUALIFY FOR A LOAN MODIFICATION OR SHORT SALE?… This question comes up again and again during consultations with clients. And the answer is always resoundingly… NO! You are not required to miss a mortgage payment in order to qualify for HAMP, HAFA, or any… Read more »
Homeowners who had debt forgiven in 2014, through a loan modification, loan settlement, short sale, deed in lieu, or credit card cancellation, may qualify under the Mortgage Debt Relief Act OF 2007 for exemption from any federal taxes that might be owed on the forgiven debt. WHAT ABOUT 2015? Congress is currently meeting now and… Read more »
At a recent presentation I made to a group of realtors in Miami, I realized there was a lot of confusion regarding who pays the title insurance premium. In Florida, the industry standard is based on the county in which the property lies. In Miami Dade County, the buyer usually selects the title company and pays the premium. The… Read more »
Private Mortgage Insurance is required when you secure a home loan with less than 20 percent down payment. For example, you are purchasing a home at a sales price of $200,000.00 and you are giving a down payment of less than $40,000, which is 20% of $200,000. Which means, you need a loan of more… Read more »
