REFINANCE YOUR HOME MORTGAGE

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REAL ESTATE AND MORTGAGE LAWYER

With interest rates at an all time low, there has never been a better time to refinance your home loan. If you already own the home and the property has equity, you can tap into some of that equity and take cash out to pay off debt or for school. If the property has a higher interest rate mortgage, you will benefit by having a reduced rate and monthly payment.

The benefits of hiring a real estate lawyer who is also a title company for a refinance are many.

First of all, you are entitled in Florida to choose your own title company to handle the refinance. What you pay is nominal to get peace of mind. Often the fee is between $650 and $750 in attorney’s fees. Moreover, if you do not hire the title company and advise your lender you have selected one, the bank will hire one for you, and often charge twice as much. And, the worst part is, that even though you are paying the bill, the title company does not represent you. They represent the lender.

Additionally, by hiring a title company for a refinance, we can look for your prior owner title insurance policy and issue you a credit for your title insurance so you do not have to pay it again and will have significant savings at closing. Not all title companies issue the credit and borrowers end up paying unnecessary fees and costs.

Lastly, by hiring us, the closing is done at our offices. By the attorney.

Attorney Jacqueline A. Salcines will guide you every step of the way with all documents that need to be signed and explain what you are signing. The day of closing, the mortgage and note will be signed here so if you have any questions or doubts, the attorney will explain it.

Do not go it alone. A mortgage is often the highest debt consumers enter into and with all the legal terms and repercussions for default, it makes no sense to not hire a lawyer.

Attorney Jacqueline A Salcines, Esq., has been assisting borrowers with their real estate and mortgage needs for over 21 years. Consult with us today.

TRUST | COMMITMENT | RESULTS

Attorney Jacqueline A. Salcines, Esq.
706 S. Dixie Highway
Second Floor
Coral Gables, FL 33146
Tel: 305 | 669 | 5280
EMAIL: J.Salcines@salcineslaw.com
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Second Mortgage and HELOC settlements

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SOUTH FLORIDA MORTGAGE AND DEBT SETTLEMENT LAWYER

South Florida, particularly Miami and Broward counties are experiencing a wave of lawsuits with banks and investors targeting unpaid, defaulted second mortgages and HELOC’s.  Many borrowers have been paying their first mortgages through either loan modifications or other settled terms.

However, often the second mortgages were ignored or left out of bankruptcies and now are being pursued for collection and litigation.

Many laws in Florida favor the borrowers and it is important when receiving either a collection notice for a second mortgage or HELOC, or worse, a lawsuit, to consult a knowledgeable attorney.

Mortgages are liens against the property and can result in foreclosures and the loss of real estate property. Even when the property has significant equity.

If you are facing foreclosure or collection of a second mortgage contact us today.

At the Law Offices of Jacqueline A. Salcines, PA, we have over 20 years experience assisting borrowers with their mortgage and  debt settlement needs. The most important step and first step is to make sure you are represented by an attorney that is familiar with your area.

The Law Offices of Jacqueline Salcines offers cost effective services designed to meet your individual needs and requirements. For strong legal representation, call us at (305) 669-5280 today! Attorney Jacqueline Salcines  has been handling all your real estate and business law needs  for over 20 years.

 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

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SECOND MORTGAGE SETTLEMENT – HELOC LINE OF CREDIT MORTGAGE SETTLEMENT

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SOUTH FLORIDA MORTGAGE AND DEBT SETTLEMENT  LAWYER

SECOND MORTGAGE – LINE OF CREDIT –  HELOC SETTLEMENTS

A HELOC, also known as a Line of Credit Mortgage or Second Mortgage is often “charged off” or appears on a borrowers credit report as “bad debt” or “charge off”. Often, borrowers wrongly assume that the mortgage is then completely forgiven or written off and not collectible.  This is not necessarily true. Often bad debt gets sold on the market and creditors, debt companies and third parties purchase it at a discount. The mortgage remains on the title to the property and is not satisfied or reflecting a zero balance.

At the Law Offices of Jacqueline A. Salcines, PA, we have over 20 years experience negotiating debt for our clients and have been successful in wiping these HELOC and Lines of Credit Mortgages off or settling them for pennies on the dollar. The most important step and first step is to make sure the debt was transferred to the new owner correctly and that it is in fact collectible. You do not want to settle or work something out on a debt that was never collectible to begin with.

Once we determine it is collectible, then we go to work to have it worked out whether written off or settled for the borrower.

If you have a HELOC or Line of Credit mortgage sitting on your credit report or property, or have been sued in foreclosure recently to collect on the line of credit, call us.

Contact the Law Offices of Jacqueline A. Salcines, PA today at (305) 669-5280 to schedule your legal consultation.

The Law Offices of Jacqueline Salcines offers cost effective services designed to meet your individual needs and requirements. For strong legal representation, call us at (305) 669-5280 today! Attorney Jacqueline Salcines  has been handling all types of mortgage, debt settlement and foreclosure  matters for 20 years.

 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

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