Call for an appointment: 305.669.5280

Real Estate Closings and Title Services

The Law Offices of Jacqueline A. Salcines, PA is a Miami based, Florida licensed and full service Title Company providing:

  • Abstract services
  • Real Estate Closings and Title examinations
  • Escrow services

…for all of Florida and particularly Miami and Coral Gables Real Estate transactions.

This firm is committed to customer service and results oriented deliverables.

There will always be an attorney handling your real estate closings and title services. Jacqueline Salcines will not only keep you informed every step of the way, but will ensure a full and complete examination of title, any lien issues, and on-time closings.

Attorney Jacqueline A. Salcines is a member agent with Attorney’s Title Insurance Fund, underwritten by Old Republic National Title Insurance, the largest underwriter in the State of Florida.

Moreover, when representing a buyer purchasing a home with bank financing, many banks and lending institutions have their own form of complex loan agreements when they make loans.   There are many issues to consider when determining whether to accept a loan and negotiate loan terms.  The following is a checklist of some of the issues:

When you close with The Law Offices of Jacqueline A. Salcines, P.A., we check the following:

Interest Rates

  1. What is the interest payable?
  2. How is the interest rate calculated?
  3. What is the default rate of interest?
  4. Is the interest rate couples with all fees, competetive with other loans?
  5. Is the interest fixed or variable?
  6. Were you charged what you were quoted on the Good Faith Estimate?

Payment Terms

  1. What are the monthly or periodic payment obligations?
  2. When is the final principal payment due?
  3. Is there a right to extend the loan?

Fees

  1. Are there any loan fees, commtment fees, placement fees, points payable upfront?
  2. Are there ongoing fees for the life of the loan?
  3. Were you charged what you were quoted on the Good Faith Estimate?

Representations and Warranties of the Borrower

  1. Due orgnization of the borrower?
  2. Duly qualified to do business?
  3. Authorization to do the loan?
  4. Enforceability of the loan?
  5. No litigation?
  6. Compliance with laws?

Conditions to close

  1. Execution of all required documents
  2. Certified copies of Board resolutions approving the loan
  3. Good standing certificate;
  4. Estoppel from association;
  5. Approval by the Association;
  6. Is the association in arrears;
  7. Borrowers has complied with all covenants;
  8. No adverse change by borrower;
  9. Completion of due diligence by the lender.

 

Always have an attorney at your side during Real Estate Closings and Title Services!

In this day and age, with so many title defects, foreclosures, and fraud, you can not afford to go at it alone.

Nothing protects you better than making sure an attorney is  by your side when closing in the State of Florida! 

Call or email us today for a chance to discuss how our Real Estate Closing and Title Insurance services work

  • Phone: 305.669.5280
  • Email our Real Estate Closing/Title Department:
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