Jacqueline A. Salcines, PA
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Jacqueline Alicia Salcines



Yesterday we had the honor of calling up yet another client to advise of his loan modification approval and a more than $200,000 principal reduction on his loan. This put his new mortgage principal at almost fair market value for his home, and a 2 percent interest rate. His monthly mortgage payment was reduced by more than $1500.00. And, we did it in less than 90 days! Happy client. Happy firm.

The good news is that the bank are truly modifying mortgage balance principal and moving the HAMP modifications along in record time. We have found 90 days to be the average time. Yet, for all those that get modified, there are still millions trying.

If you modification is not going through, then you need to see who is processing it. Has a bank negotiator been assigned to your case? Is there a Specialist at the bank assisting you and confirming receipt of all financial documents? If not, then this is the first step that needs to be taken so that you are dealing with one person for 90 days.

Corelogic reports today that nearly 6.4 million homeowners are still underwater in their loans in the United States. This means that they owe more to the mortgage lender than their house is worth. Florida is in second place behind Nevada.

The key to a successful modification is to make sure that it is handled by a professional that knows what they are doing, that you are qualified beforehand and that you follow up weekly. These are the three most important steps to take to ensure that your modification is approved.

Call us today to schedule a free consultation to see if you qualify for HAMP or any other loan modification program that may get you a principal reduction and interest rate reduction.

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    • Avvo Clients choice Award 2017 Jacqueline Alicia Salcines
    • Top Contributor Award 2017 Jacqueline Alicia Salcines Avvo
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    • The fund member
    • Avvo rating 10.0 Superb Top attorney Real estate
    • Avvo Clients choice 2015 Real estate
    • Avvo Top Contributor 2015 Real estate
    • The Florida Bar 1950
    • Avvo rating 10.0 Jacqueline Alicia Salcines Top attorney
    • 2018 Top Lawyers
    • WWL | Who's Who Legal
    • Old Republic | National Title Insurance Company
    • Coral Gables Chamber of Commerce developing Business Building Community
    • District Court Of Appeal State of Florida
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    • Preferred Legal Plan A new Wave of Legal Representation
    • U.S. Legal Services 1974
    • ARAG
    • Pre-Paid Legal Services, INC. And Subsidiaries
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    • Broward 1925 County Bar Association
    • Coral Gables Bar Association
    • Real Property Probate & Trust Law Section 1950
    • U.S. Women's Chamber of Commerce
    • CABA Cubon American Bar Association
    • Untied Badge
    • The Fund Solutions
    • DADE County Bar Association 1916
    • LegalShield
    • 2018 |ARAG | Elite Service Award
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706 South Dixie Highway
Second Floor
Coral Gables, FL 33146

Phone: 786-671-3887
Fax: 305-669-5283
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Monday 8:30AM–5:30PM
Tuesday 8:30AM–5:30PM
Wednesday 8:30AM–5:30PM
Thursday 8:30AM–5:30PM
Friday 8:30AM–5:30PM
Saturday Closed
Sunday Closed