FINCEN’s New Rules: What Breaks, What Changes, and What to Do About It

In this episode of the South Florida Mortgage Report, Craig A. Garcia and co-host Bill Mei sit down with Raul Molina, President of Home Partners Title, to break down the major FinCEN reporting changes hitting real estate transactions starting March 1 — and what it means for agents, investors, buyers, sellers, and title companies.Raul explains the real-world consequence of ignoring the new rules (spoiler: you don’t close), why some transactions are already being treated as if the rule is live, and who feels the impact first. If you work with cash buyers, LLCs, trusts, private/DSCR-style financing, or investor deals, this is a must-watch.You’ll learn:* What’s changing on March 1 (nationwide expansion + no price threshold)* Why title companies are now responsible for submitting required information* How LLC and trust ownership triggers deeper disclosure (including layered entities)* Why sellers can get pulled into disclosure even if they’re individuals* Where deals will break first: surprise + pushback + delays* The simplest way agents can prevent chaos: set expectations early and know the contract language* What Raul is recommending to serious investors: have the answers ready before you go under contractPlus, we wrap with a fun personal side of Raul — from coaching youth sports to martial arts and oil painting.If you’re an agent: your biggest risk is letting your client get blindsided.If you’re an investor: your biggest risk is waiting until the week of closing to organize entity details.If you’re a lender or title pro: your biggest leverage is building a repeatable intake process.📌 **Raul Molina — Home Partners Title**Email: [[email protected]](mailto:[email protected])Phone: 786-241-0054#FinCEN #RealEstate #TitleCompany #CashBuyers #LLC #Trusts #SouthFloridaRealEstate #Mortgage #RealEstateInvesting #DSCR #ClosingDay #RealtorTips**Subscribe for weekly market updates** on rates, inflation, jobs reports, and what actually moves mortgage pricing. 📍South Florida focus — national relevance. #MortgageRates #HousingMarket #RealEstate #Fed #FannieMae #FreddieMac #MBS #Refinance #HomeBuying #SouthFloridaRealEstate 🎧 LISTEN & SUBSCRIBE TO THE SOUTH FLORIDA MORTGAGE REPORT 🔁 YouTube playlist (all episodes): https://www.youtube.com/playlist?list=PLCOa_zSrotiecbiomGKhTzASCBToYQUea 📱 Subscribe & follow on your favorite platform: • Apple Podcasts: https://podcasts.apple.com/us/podcast/south-florida-mortgage-report/id1834181574 • Spotify: https://open.spotify.com/show/5QxG2PzPd3W9pJFqQnLAPS?si=5a667fbd60a44ce9 📌 HELPFUL LINKS 📩 Housing Newsletter: Stay informed with curated mortgage and housing insights delivered straight to your inbox: https://housingnewsletters.com/craiggarcia ✅ Pre-Approvals 24/7: Get started anytime: ⁠ Option 1⁠ https://loancenter.cp-mtg.com/dr/c/rhx8h ⁠Option 2⁠ https://loancenter.cp-mtg.com/dr/c/w2o7v