BUYING A HOME?  30 year mortgage rates are up across the country to an average of 4.02%.

Government research reveals that steady job growth over the past year has lifted the housing market making home sales surge.  A year ago, the average on a 30-year fixed mortgage was 4.14 percent and on a 15-year mortgage 3.22 percent.

The South Florida real estate market continues to improve with average sales increasing as well, as reported by numerous housing experts.

What does rate increases mean for buyers or sellers?  That less buyers may qualify when the mortgage payments are higher, and sellers may need to lower their prices to get a qualified buyer.  Cash sales are down as well, indicating that more and more borrowers are choosing financing of their purchases and foreign investors looking for distressed or well priced deals, are disappearing.

Whether buying or selling, consult with a real estate attorney/title agent today.  We can review your Good Faith Estimate supplied by your lender of choosing to see whether rates and fees are compatible with the industry.

And we protect you along every step of the transaction.

WHETHER you are buying or selling a home, the earliest you involve an attorney, the better.  Since you will need to enter into a contract from the get go, only an attorney can provide sound legal advice as to any contract contingencies.

When hiring an attorney to handle your closing, you get informed of your rights, and counsel every step of the way.

Without an attorney by your side, you may face legal consequences before or after closing.  You could be facing a breach of contract lawsuit or other type of lawsuit based on your lack of understanding of the contract and your obligations.


The choice is yours.  You can either hire an attorney  that is a title agent or a non-lawyer title agency to handle your title insurance and closing needs.

The cost of closing with an attorney is the same as a non-attorney agent.

However, expect to pay more when you use a title company as they have staff and other processors you have to pay for.  As opposed to an attorney.

Ask for a free estimate of costs, or a pre-HUD when you select an attorney to represent you. There is no charge for this and you will get an accurate picture of what you need to pay at closing.

At the Law Offices of Jacqueline A. Salcines, P.A., attorney Jacqueline Salcines, is a  real estate attorneys and accountant, holding dual degrees to better serve you and your real estate needs.  Allow us to put our knowledge and experience to work for you.

If you are buying or selling real estate, call us today to see how we can help you.

Main office 305 | 669 | 5280. Or email the attorney directly:


Jacqueline A. Salcines

Jacqueline A. Salcines

TEL. 305 669 5280