Brett Goldsmith
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Brett Goldsmith's Discussions

What Is A Charge Off And How Can It Affect Processing A Short Sale

Started this discussion. Last reply by Edwin Baloloy Oct 10, 2012. 1 Reply

When there is a Junior Lien (secondary mortgage) that is delinquent more than 120 -180 days a creditor may choose to charge-off the debt owed. A charge-off is the declaration by a creditor that an…Continue

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Latest Activity

Brett Goldsmith replied to Celeste ODea's discussion Shellpoint Mortgage
"That's great that they postponed the auction date! Yes, I've closed quite a few short sales with them. They are easier to work with then many of the smaller servicers, but you do run into the occasional hurdles still. It sounds like…"
Sep 4, 2015
Brett Goldsmith replied to Colleen J Couse's discussion Extension Fees & Closing
"Sorry to hear that and for the late response. Have you considered resubmitting an updated Est. HUD for review? I know it is not an ideal situation to do a deal change, but if you cant get BSI to waive the fee and are short due to prorations it may…"
Sep 3, 2015
Brett Goldsmith replied to Celeste ODea's discussion Shellpoint Mortgage
"Yes, I have many times. What are your questions? Call me anytime for questions or support. 310-564-6389"
Sep 3, 2015
Brett Goldsmith replied to Janice Wheeler's discussion Liens in California, what will the ss lender pay
"I sent you an email in regards to your questions. 310-564-6389"
Jan 24, 2015
Brett Goldsmith replied to Marlene Valderrama's discussion Removal of Sheriff Sale NJ
"I personally haven't heard of a new law that was passed. Sounds like you may be referring to dual tracking regulations. You can read up on it here.…"
Oct 12, 2014
Brett Goldsmith replied to Anna Marie Dalbey's discussion Fees Banks wont pay!
"What type of transfer fee? Transfer taxes are typically paid by investors. I can't recall if i've ever seen it denied on the hundreds of transactions I've seen closed. 310-564-6389"
Jul 22, 2014
Brett Goldsmith replied to Dan Hawkins CRS SFR CSSG CDPE's discussion Residential Credit Solutions
"Dan,         We have completed several short sales and modifications with Residential Credit Solutions. What is reason you have been unable to obtain a second lien approval on this property? Are they just moving…"
Jun 2, 2014
Brett Goldsmith replied to Maritza Cruz's discussion Real time Resolutions keeps insisting for Wells fargo to sing an ARSS form??
"Speak to a manager at RTR. Also call the executive office at WF and see if they can somehow provide you with what RTR is asking. Just keep pushing on both servicers until one of them folds and moves forward. I've seen RTR do this before and you…"
May 22, 2014
Brett Goldsmith replied to Maritza Cruz's discussion Real time Resolutions keeps insisting for Wells fargo to sing an ARSS form??
"get an email from your wells fargo representative stating that they there is no ARASS form on this transaction and forward it to your negotiator at RTR. Also, I'd escalate at RTR as not all mortgage servicers use the ARASS. If you have any…"
May 22, 2014
Brett Goldsmith commented on Rebecca Kitkowski's blog post Short Sales in Florida
"Rebecca,         Are they delinquent on their loan? Relocation many times is considered a viable hardship. I think it's always worth a shot, you never know what the bank may or may not approve unless you try.…"
Apr 11, 2014
Brett Goldsmith replied to Cynthia McKenna's discussion HELP! Servicing Agreement wanted
"Glad to hear that it got resolved. I see things like this a lot and switching companies is often the best solution when people are requesting things that aren't actually needed. Hopefully you close this week!"
Feb 3, 2014
Brett Goldsmith replied to Cynthia McKenna's discussion HELP! Servicing Agreement wanted
"Please clarify the relationship between BOA and Nationstar. Is BOA the investor? It sounds like title is requesting something that ordinarily isn't requested. I would speak to title and get to the root of the problem and then work…"
Feb 3, 2014
Brett Goldsmith replied to Susan Morimoto's discussion REAL TIME RESOLUTIONS
"Anytime and please feel free to reach out to me if needed as my door is always open."
Jan 24, 2014
Brett Goldsmith replied to Susan Morimoto's discussion REAL TIME RESOLUTIONS
"Susan,       From my experience, having closed numerous short sales with RTR, they many times they come back requesting extremely high payoffs. They often come back requesting upwards of 15-25% of their unpaid balance which…"
Jan 23, 2014
Brett Goldsmith replied to Lonnie Workman's discussion First Mortgage Corporation in California
"We did a short sale with them awhile back that we were able to complete successfully. They aren't a big name servicer, so you don't see their name often at all. Their process doesn't stray to far from the norm when it comes to…"
Jan 14, 2014
Brett Goldsmith replied to Rob E. Kirchner's discussion Ocwen is telling me to raise the listing price above market value
"You need to find out what the minimum proceeds that the investor is willing to take from the sales of this property. You also need to look into completing a "value dispute". 310-564-6389"
Jan 2, 2014

Profile Information

Areas You Service (be VERY specific specific and include ALL counties, cities, states, and towns you service!)
Short Sale Transactions Completed
Do you have any experience in Commercial Real Estate? If so, do you have the CCIM or any commercial designations? How many commercial transactions and dollar volume have you CLOSED?
About Me/Profile of yourself: - Please add your Brokerage Company name also!
My name is Brett Goldsmith and welcome to my page. I currently am employed at a company/brokerage that handles real estate services and transactions nationwide. As an Account Manager I assist in overseeing a team of real estate professionals that specialize in short sales, loan modifications, and 2nd lien settlements. Our brokerage is partnered with attorneys which allow us to give a stronger services in all areas of real estate. Since the 2007 pop of the mortgage bubble we have been able to help thousands of struggling homeowners as well as those buyers and sellers that are not struggling at all. We have worked hard to go above and beyond to bring the main street client better communication, knowledge, experience, and a sense of dedication to their case. Although we work a large number of cases, we take take great pride in our customer service and making each clients voice heard. If you’re interested in anymore information regarding specific programs and services offered please feel free to send me an email at or call me at 310-564-6389. My door is always open and thank you in advance for the opportunity to serve and meet your needs.
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August 8, 2013
PLEASE READ THIS!!! - This site is primarily for Realtors, REAL buyers or sellers with questions are welcome to ask, anyone here for other purposes may be banned. 1. Because this site is primarily for agents agents, Any soliciting is pointless and is not allowed. Please do not sell or promote products or services in any way, directly or indirectly. Do not link or sneak in links promoting your services on comments, posts, discussions or blogs. You may have links on your profile pages to your websites as long as your are not selling things other than real estate! Again, absolutely no outgoing links to your websites, blogs or listings 2. Do not speak disparagingly about members on this site. This community is meant to be helpful, and we are here to help each other. 3. We reserve the right to delete content and/or ban members that violate these rules. 4. Member Name (Full Name Field) format must be FIRST NAME, then LAST NAME! Please no company names, DESIGNATIONS, or website in the name field! Please read the terms of service under the "home" tab! IF YOU AGREE TO THESE TERMS, PLEASE TYPE "I AGREE" IN THE BOX BELOW!! Thanks for your cooperation, and welcome to the Network!
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Brett Goldsmith's Blog

What is Mortgage Insurance?

Posted on July 18, 2013 at 8:46pm 0 Comments

What is Mortgage Insurance?                        

Mortgage insurance (MI) is a financial guaranty for the lender that will assist to reduce or eliminate a loss in the case the borrower defaults on their mortgage. MI is almost universally required on loans where there is less than 20% equity. This means that if you are purchasing a home with less than twenty percent down or refinancing to more than 80% of your homes’ value, you are required to pay mortgage insurance.…


New Guidelines For Fannie Mae & Freddie Mac Released

Posted on December 3, 2012 at 10:30pm 5 Comments

As of November 1, 2012 the Federal Housing Finance Authority initiated new Standard Short Sale Guidelines that apply to all Fannie Mae and Freddie Mac mortgages. This guidelines are to help streamline short sales with all Fannie Mae and Freddie Mac loans. You can find a summary of the guidelines here or the guidelines in detail below.…


Mortgage Forgiveness Debt Relief Act

Posted on October 23, 2012 at 10:50pm 0 Comments

The Mortgage Forgiveness Debt Relief Act is a government bill that offers relief to most homeowners who would normally owe taxes on the forgiven debt after performing a short sale. The purpose of this act is to help homeowners avoid additional financial hardship by performing a short sale. This Act became a law in 2007. Prior to this act the borrower would have to pay taxes on their forgiven debt. With this act in place, a borrower does not have to pay income tax on forgiven debt in MOST…


Chase Short Sale : Just Initiated Into Equator

Posted on October 16, 2012 at 2:24pm 6 Comments

We've been hearing it a long time, but today a Chase representative actually initiated one of our files into equator today. Chase files will be initiated into equator similar to how GMAC does it. One cannot initiate it into equator themselves and will need the assistance of the short sale department. Let's hope their equator system moves smoothly!


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At 8:48pm on September 24, 2013, Mary Gemba said…

Hi Brett, THANK YOU for all your help in this latest shortsale as of late:  I haven't worked with one that had a second DOT and the 2nd says they won't do a HAFA shortsale like the 1st said they would.  I don't get why.  Might it be because it's a Line of Credit? I've read the DOT and it just collateralizes the property.  AND they haven't even seen his upside-down financial statement yet...





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Ocwen Contacts Short Sale Package

Started by Jan Baron in Rants and Raves. Last reply by Anna Wilk Jan 14, 2016. 5 Replies

Shellpoint Mortgage

Started by Celeste ODea in General Discussion. Last reply by Brett Goldsmith Sep 4, 2015. 3 Replies

Extension Fees & Closing

Started by Colleen J Couse in Rants and Raves. Last reply by Brett Goldsmith Sep 3, 2015. 1 Reply

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