AMERICAS SENIOR FINANCIAL SERVICES INC
S-8, EX-5, 2000-12-04
MORTGAGE BANKERS & LOAN CORRESPONDENTS
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                                                                       EXHIBIT 5

                                   Law Offices

                           JOEL BERNSTEIN, ESQ., P.A.

11900 Biscayne Blvd., Suite 604                         Telephone:  305.892.1122
Miami, Florida 33181                                    Facsimile:  305.892.0822


December 4, 2000


America's Senior Financial Services, Inc.
9501 N.E. 2nd Avenue, Suite 3
Miami Shores, FL 33138

Gentlemen:

I have acted as special counsel to America's Senior Financial Services, Inc., a
Florida corporation (the "Corporation"), in connection with the offering of
400,000 shares of Common Stock to be issued pursuant to engagement agreements.
The offering of the shares is to be made pursuant to Registration Statement on
Form S-8 to be filed with the Securities and Exchange Commission (the
"Registration Statement").

I have acted as special counsel to the Corporation in connection with the
shares.

Please be advised that I am of the opinion that the Corporation's Common Stock
to be offered pursuant to the Registration Statement has been duly authorized by
the Corporation. The Common Stock to be issued in accordance with the terms the
engagement agreements will be validly issued by the Corporation and fully paid
and non-assessable.

We consent to the use of our name in the Registration Statement in the section
of the Prospectus entitled "Legal Matters" and the filing of this letter as an
exhibit to the Registration Statement.

                                                  Yours very truly,



                                                  /s/ Joel Bernstein, Esq., P.A.
                                                  ------------------------------
                                                  Joel Bernstein, Esq., P.A.




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