5 Reasons Why 2015 Is the Time For A Short Sale of Your Santa Maria, CA Home

On January 1, 2015, in Santa Maria Short Sale Agents, Short Sales vs. Foreclosure, by Santa Maria Short Sale Agent

5 Reasons Why 2015 Is the Time For A Short Sale of Your Santa Maria, CA Home  California Senate Bill 931 (SB 931) – This requires that first mortgage lenders forgive the deficiency when they accept a short sale on a dwelling with up to 4 units. (The deficiency is the difference between what was […]

Still Need A Short Sale?

On July 23, 2013, in Qualifying for a Short Sale, Santa Maria Short Sale Agents, by Santa Maria Short Sale Agent

Still Need A Short Sale?   Do you still need a short sale?  The recent increase in home prices in the Santa Maria CA and Orcutt CA has given hope to many homeowners who were stuck hopelessly underwater in their properties.  Indeed, some were able to squeak out of their properties after the recent uptick […]

Divorce, Unemployment & Job Transfers in Santa Maria CA Short Sales

On January 27, 2013, in Loan Modification, Santa Maria Short Sale Agents, by Santa Maria Short Sale Agent

Santa Maria CA Short Sales – Divorce, Unemployment & Job Transfers Divorce, unemployment and distant job transfers continue to be strong motivators for short sales.  Often homeowners apply for a loan modification before they come to my office for a short sale consultation.  If the person had a reduction in income, or a temporary hardship, […]

Will Short Sales Be Pushed Off the Fiscal Cliff?

On December 26, 2012, in Qualifying for a Short Sale, Santa Maria Short Sale Agents, by Santa Maria Short Sale Agent

Will Short Sales Be Pushed Off the Fiscal Cliff? We can’t seem to hear enough about the fiscal cliff these days.  Undoubtedly, the decision to extend the Mortgage Forgiveness Debt Relief Act is bound up in the logjam of the fiscal cliff.  Indeed, given the current financial crisis, even the mortgage interest deduction seems up […]

Will My Bank Pay Me Cash to Do A Short Sale? Short Sale Seller Relocation Incentive Information

On October 18, 2012, in HAFA HAMP HARP, Santa Maria Short Sale Agents, by Santa Maria Short Sale Agent

Will My Bank Pay Me Cash to Do A Short Sale?  Short Sale Seller Relocation Incentive Information The short answer is maybe.  Most of the major lenders do offer seller relocation incentives on at least some of their short sale files.  What does this mean?  Upon successfully closing the short sale the seller will be given […]

Two Loans with Two Lenders: Short Sale Closed with Bank of America & Greentree Servicing

On June 13, 2012, in Santa Maria Short Sale Agents, Short Sale Lenders, Short Sale Process, by Santa Maria Short Sale Agent

Two Loans with Two Lenders:  Short Sale Closed with Bank of America & Greentree Servicing This was a pretty difficult short sale, but we got it closed. Short sales with two different lenders can be tricky and time consuming.  Often they have different or unique documentation requirements.  Some lenders, such as Greentree Servicing require that […]

5 Fun Facts About Fannie Mae Short Sales

On May 27, 2012, in Santa Maria Short Sale Agents, Short Sale Lenders, by Santa Maria Short Sale Agent

5 Fun Facts About Fannie Mae Short Sales Is there anything fun about short sales?  Well probably not a lot.  But certainly, they are more fun when they are approved quickly.  Some of my favorite short sales have been on Fannie Mae loans.  I’ve had a Fannie Mae streamlined short sale with Bank of America […]

Two Lenders – Bank of America and GMAC – Another Successfully Closed Short Sale!

On April 22, 2012, in Santa Maria Short Sale Agents, Short Sale Lenders, by Santa Maria Short Sale Agent

Two Lenders – Bank of America and GMAC – Another Successfully Closed Short Sale! This BofA and GMAC short sale took about 67 days for short sale approval.  It could have been a lot quicker but there were a few bumps in the road.  The first loan was owned by Freddie Mac.  I tried to […]

Is Bank of America Still Terrible at Short Sales?

On December 4, 2011, in Santa Maria Short Sale Agents, Short Sale Lenders, by Santa Maria Short Sale Agent

Is Bank of America Still Terrible at Short Sales?I would have to reluctantly say no.  Bank of America is no longer terrible at short sales.  This coming year will mark four years since my first Bank of America short sale, and as critical as I am of Bank of America, I must admit they they […]

Who Put the Shame in Short Sale?

On November 4, 2011, in Santa Maria Short Sale Agents, by Santa Maria Short Sale Agent

Who Put the Shame in Short Sale?   Even though the “Lesser Depression” is in full swing and the Housing Bust is old news, I still occasionally run into the sentiment that short sales are shameful. Why? Is this a case of middle class morality run amok?  As a Santa Maria short sale agent, I’ve consulted with […]

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