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 […]
https://jaspa1.wpengine.com/wp-content/uploads/2018/07/logo_final_dark1.png00jaspa1https://jaspa1.wpengine.com/wp-content/uploads/2018/07/logo_final_dark1.pngjaspa12013-06-20 19:13:222022-12-20 13:59:39WHY PAY A FORECLOSURE ATTORNEY MONTHLY TO DEFEND YOU
Governor Rick Scott signed a bill that aims to move foreclosure through the court system more quickly, but some homeowners are weary that this will strip them of crucial rights they have as homeowners and mortgagors. House Bill 87 places on the Plaintiff/Bank, the responsibility of filing cases with a clear “chain of ownership” of […]
https://jaspa1.wpengine.com/wp-content/uploads/2018/07/logo_final_dark1.png00jaspa1https://jaspa1.wpengine.com/wp-content/uploads/2018/07/logo_final_dark1.pngjaspa12013-06-20 18:49:542022-12-20 13:59:32OBTAINING THE RIGHT FORECLOSURE ATTORNEY CAN SAVE YOUR HOME
At the end of last year, with homeowners on pins and needles, the government extended the Home Affordable Foreclosure Alternatives (“HAFA“) program through December 31, 2013. This was great news for homeowners that had pending short sales or who were looking to get into a short sale at the beginning of the year. Now, as […]
https://jaspa1.wpengine.com/wp-content/uploads/2018/07/logo_final_dark1.png00jaspa1https://jaspa1.wpengine.com/wp-content/uploads/2018/07/logo_final_dark1.pngjaspa12013-06-20 18:28:082022-12-20 13:59:37WHY TIME IS RUNNING OUT TO SHORT SALE YOUR PROPERTY
THE EXPANDED HOME AFFORDABLE REFINANCE PROGRAM, NICKNAMED HARP, HAS BEEN USED BY MORE HOMEOWNERS IN THE PAST 6 MONTHS THAN IN ALL OF 2011. The Obama Administration and the housing regulator, FHFA, revamped HARP to allow homeowners with loans backed by both Fannie Mae and Freddie Mac, and who are current on their mortgages to […]
June 12, 2013 Jacqueline A. Salcines, Esq. It appears that all these penalties to lenders for failing to modify borrowers’ loans is finally doing homeowners some good. The Streamlined Modification program is really taking off and really working to assist borrowers. The Freddie Mac Streamlined Modification program provides remedies to seriously delinquent borrowers that may not qualify […]
https://jaspa1.wpengine.com/wp-content/uploads/2018/07/logo_final_dark1.png00jaspa1https://jaspa1.wpengine.com/wp-content/uploads/2018/07/logo_final_dark1.pngjaspa12013-06-13 19:29:112022-12-20 13:59:44STREAMLINED MODIFICATION PROGRAM
Many homeowners, and realtors alike (offering short sale advice to their clients), are unaware that a short sale on a primary residence in Florida, will result in a complete forgiveness of debt to the homeowner seller. The American Taxpayers Relief Act of 2012, which extended the Mortgage Forgiveness Debt Relief Act through December 31, 2013, […]
https://jaspa1.wpengine.com/wp-content/uploads/2018/07/logo_final_dark1.png00jaspa1https://jaspa1.wpengine.com/wp-content/uploads/2018/07/logo_final_dark1.pngjaspa12013-06-12 18:01:522013-06-12 18:01:52Short Sale to Avoid a Deficiency Judgment
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 […]
https://jaspa1.wpengine.com/wp-content/uploads/2018/07/logo_final_dark1.png00jaspa1https://jaspa1.wpengine.com/wp-content/uploads/2018/07/logo_final_dark1.pngjaspa12013-05-22 19:42:132022-12-20 13:59:40WHY HIRE AN ATTORNEY WHEN SELLING PROPERTY
If you are like many out there that are struggling to make your mortgage payments and have an FHA loan, there is good news. The government has rolled out a new program that Pre-Approves Short Sale prices for homes where the loans are backed by FHA. In order to qualify, you will first need to make […]
https://jaspa1.wpengine.com/wp-content/uploads/2018/07/logo_final_dark1.png00jaspa1https://jaspa1.wpengine.com/wp-content/uploads/2018/07/logo_final_dark1.pngjaspa12013-05-15 16:25:172013-05-15 16:25:17PREAPPROVED SHORT SALE PROGRAM FOR FHA
As the third round of foreclosure review checks went out Friday, my office is inundated with calls as to what these checks represent, and more importantly, will depositing them waive the borrowers rights to pursue banking and lending violations by the lender? As of April 25, 2013, 1,150,328 recipients have cashed or deposited $1.1 billion […]
https://jaspa1.wpengine.com/wp-content/uploads/2018/07/logo_final_dark1.png00jaspa1https://jaspa1.wpengine.com/wp-content/uploads/2018/07/logo_final_dark1.pngjaspa12013-04-29 12:05:222022-12-20 13:59:44INDEPENDENT FORECLOSURE REVIEW AND FORECLOSURE SETTLEMENT CHECKS OFFER LITTLE RELIEF TO AILING BORROWERS
Frequently in my practice I am asked by borrowers seeking foreclosure defense and mortgage modifications, what the Statute of Limitations is with regard to mortgages and notes entered into by borrowers who have now stopped making mortgage payments. The new word on the street that is quickly penetrating neighborhoods and water coolers alike is Statute of Limitations, […]
https://jaspa1.wpengine.com/wp-content/uploads/2018/07/logo_final_dark1.png00jaspa1https://jaspa1.wpengine.com/wp-content/uploads/2018/07/logo_final_dark1.pngjaspa12013-04-05 09:38:012022-12-20 13:59:46STATUTE OF LIMITATIONS FOR PROMISSORY NOTES AND DEFICIENCY BALANCES
WHY PAY A FORECLOSURE ATTORNEY MONTHLY TO DEFEND YOU
Foreclosure, Mortgage Relief, Real Estate, Short SalesWhy 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 […]
OBTAINING THE RIGHT FORECLOSURE ATTORNEY CAN SAVE YOUR HOME
UncategorizedGovernor Rick Scott signed a bill that aims to move foreclosure through the court system more quickly, but some homeowners are weary that this will strip them of crucial rights they have as homeowners and mortgagors. House Bill 87 places on the Plaintiff/Bank, the responsibility of filing cases with a clear “chain of ownership” of […]
WHY TIME IS RUNNING OUT TO SHORT SALE YOUR PROPERTY
UncategorizedAt the end of last year, with homeowners on pins and needles, the government extended the Home Affordable Foreclosure Alternatives (“HAFA“) program through December 31, 2013. This was great news for homeowners that had pending short sales or who were looking to get into a short sale at the beginning of the year. Now, as […]
HARP 2.0 ALLOWS UNDERWATER HOMEOWNERS TO REFINANCE
UncategorizedTHE EXPANDED HOME AFFORDABLE REFINANCE PROGRAM, NICKNAMED HARP, HAS BEEN USED BY MORE HOMEOWNERS IN THE PAST 6 MONTHS THAN IN ALL OF 2011. The Obama Administration and the housing regulator, FHFA, revamped HARP to allow homeowners with loans backed by both Fannie Mae and Freddie Mac, and who are current on their mortgages to […]
STREAMLINED MODIFICATION PROGRAM
Loan Modifications, Mortgage Relief, Real Estate, Short SalesJune 12, 2013 Jacqueline A. Salcines, Esq. It appears that all these penalties to lenders for failing to modify borrowers’ loans is finally doing homeowners some good. The Streamlined Modification program is really taking off and really working to assist borrowers. The Freddie Mac Streamlined Modification program provides remedies to seriously delinquent borrowers that may not qualify […]
Short Sale to Avoid a Deficiency Judgment
Foreclosure, HAMP, Loan Modifications, Short SalesMany homeowners, and realtors alike (offering short sale advice to their clients), are unaware that a short sale on a primary residence in Florida, will result in a complete forgiveness of debt to the homeowner seller. The American Taxpayers Relief Act of 2012, which extended the Mortgage Forgiveness Debt Relief Act through December 31, 2013, […]
WHY HIRE AN ATTORNEY WHEN SELLING PROPERTY
Miami Real Estate Deals, Real Estate, Real Estate Investments, UncategorizedThis 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 […]
PREAPPROVED SHORT SALE PROGRAM FOR FHA
Miami Real Estate Deals, Real Estate, Short Sales, UncategorizedIf you are like many out there that are struggling to make your mortgage payments and have an FHA loan, there is good news. The government has rolled out a new program that Pre-Approves Short Sale prices for homes where the loans are backed by FHA. In order to qualify, you will first need to make […]
INDEPENDENT FORECLOSURE REVIEW AND FORECLOSURE SETTLEMENT CHECKS OFFER LITTLE RELIEF TO AILING BORROWERS
Foreclosure, Loan Modifications, Mortgage Relief, UncategorizedAs the third round of foreclosure review checks went out Friday, my office is inundated with calls as to what these checks represent, and more importantly, will depositing them waive the borrowers rights to pursue banking and lending violations by the lender? As of April 25, 2013, 1,150,328 recipients have cashed or deposited $1.1 billion […]
STATUTE OF LIMITATIONS FOR PROMISSORY NOTES AND DEFICIENCY BALANCES
UncategorizedFrequently in my practice I am asked by borrowers seeking foreclosure defense and mortgage modifications, what the Statute of Limitations is with regard to mortgages and notes entered into by borrowers who have now stopped making mortgage payments. The new word on the street that is quickly penetrating neighborhoods and water coolers alike is Statute of Limitations, […]