Dawn Rupersburg
  • Ocala, FL
  • United States
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  • Angela Alfe
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Dawn Rupersburg's Discussions

New FTC rules require short sale disclosures

Started this discussion. Last reply by Lynn Garrison-Illescas Apr 8, 2011. 5 Replies

Just received an email alert from our board of Realtors regarding the new disclosures required for Realtors who are listing and selleing short sales.Be advised that the…Continue

Tags: Disclosures, Sale, Short, Rules, FTC

Litton is fast ,but are you reading their approval letters?

Started Aug 19, 2010 0 Replies

 My approval letter leaves the seller wide open for all kinds of fee's at their will.  Fee amounts that are not disclosed.  No way would any seller agree to this and it puts the buyer in a bad…Continue

Was single when bought home and is now married. Income questions

Started this discussion. Last reply by Joseph C. Alfe Aug 13, 2010. 2 Replies

My seller was single when she bought her home.  The note and deed are in her  maidan name. She is now married and has been transfered to her new job.  This is a VA laon and it's a military transfer. …Continue

 

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Latest Activity

Aletha C. Hicks replied to Dawn Rupersburg's discussion Chase HAFA ?'s in the group Short Sale Q and A
"Have you checked the Fannie Mae about your concern? I mean, making a follow-up request won't harm both parties and it will certainly help. You better work this one out."
Jan 26, 2013
Joseph C. Alfe and Dawn Rupersburg are now friends
May 28, 2012
Dawn Rupersburg added a discussion to the group Short Sale Q and A
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Chase HAFA ?'s

Our SSA Agreement is for $210,000.  We submited an offer and the bank wants $210,000.   Is this just a lazy bank negotiator or is this normal not to counter off the $210,000? This is a Fannie Mae HAFA.  Is the bank suppose to send our offer for a decision from Fannie Mae?  I'm sure the bank has not sent anything to Fannie. Should the bank be requesting income tax information again if we already have an SSA agreement?Are we suppose to get a written response to our offer as this is a HAFA? How do…See More
May 21, 2012
Dawn Rupersburg joined Joseph C. Alfe's group
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Short Sale Q and A

Got short sale questions? I have been successfully closing short sales since 2005 and I have dealt with just about every lender, every scenario. If you have a question, post it here and I will do my best to help.See More
May 21, 2012
Dawn Rupersburg updated their profile
Feb 17, 2012
Dawn Rupersburg replied to Paul Antonelli's discussion How are agents charging for their short sale processing fees
"Hi Paul: In Florida the only people who can collect a negotiator fee is a licensed mortgage broker or an attorney.  A Realtor cannot collect a fee only a commission.  You can call the legal hot line to confirm this.  The contract is…"
Feb 17, 2012
Dawn Rupersburg replied to Angela Alfe's discussion Did you guys see the new BofA Realtor Addenda?
"Here is a legal review of these addendums.  All agents should check with their broker before sigining. http://www.nash-law.com/storage/BOA%20New%20Short%20Sale%20Documents%20Annotated.pdf  "
May 15, 2011
Dawn Rupersburg replied to Angela Alfe's discussion Did you guys see the new BofA Realtor Addenda?
"Has anyone signed this addendum  and had no problems with getting paid a decent commission?   I would want an agreed upon HUD before signing."
May 15, 2011
Lynn Garrison-Illescas replied to Dawn Rupersburg's discussion New FTC rules require short sale disclosures
"My understanding of MARS includes investors AND negotiators if they provide services to distressed property owners for a fee (commission is a fee).  I wouldn't just sit on this (although you've probably already been warned to act on…"
Apr 8, 2011
Dawn Rupersburg replied to Dawn Rupersburg's discussion New FTC rules require short sale disclosures
"Hi Brett:   Click on the Federal Trad Comm link to read about the new FTC rule.  It has noting to do with investors.  It applies to anyone providing mortgage foreclosure rescue and loan modification services. "
Feb 28, 2011
Brett Ehart replied to Dawn Rupersburg's discussion New FTC rules require short sale disclosures
"I've heard a little about this, but I thought it only applied to investors or to negotiators.  I'll wait until the California Association of Realtors or NAR says I have to do it.     Corona Homes Phillips Ranch Homes Free…"
Feb 27, 2011
Dawn Rupersburg replied to Dawn Rupersburg's discussion New FTC rules require short sale disclosures
"The new rules actually went into effect Jan 31,2011.    "
Feb 27, 2011
Ned replied to Dawn Rupersburg's discussion New FTC rules require short sale disclosures
"Will this apply starting when?"
Feb 26, 2011
Dawn Rupersburg posted a discussion

New FTC rules require short sale disclosures

Just received an email alert from our board of Realtors regarding the new disclosures required for Realtors who are listing and selleing short sales.Be advised that the Federal Trade Commission (FTC) has issued new rules that might impact real estate practitioners who represent clients involved in short sale transactions. Depending on certain factors, the so-called MARS rules (Mortgage Assistance Relief Services) could…See More
Feb 26, 2011
Dawn Rupersburg commented on Scott Burrage, CFS HRC's group Litton Loan Servicing
"What did your approval letter say about fees?"
Aug 27, 2010
Dawn Rupersburg replied to Dawn Rupersburg's discussion Litton has statements in their approval letter that leave things wide open for seller. in the group Litton Loan Servicing
"Update on Litton. Litton would not disclose any of their fees as stated in their approval letter. Now we all know why RESPA enforced the new changes to the HUD. This is no different. Fee's should be disclosed."
Aug 27, 2010

Profile Information

Occupation
Realtor
Areas You Service (be VERY specific specific and include ALL counties, cities, states, and towns you service!)
marion county fl,Ocala,Belleview,Summerfield,The Villages,
Website
http://www.ocalaflhome.com
Short Sale Transactions Completed
0-5
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?
no
About Me/Profile of yourself: - Please add your Brokerage Company name also!
My short sale training was through Training For Real Life LLC. Instructor Steve Dillon who was a senior loss mitgator and has performed over 8000 short sales.
Put in todays date! This is to help stop spammers!
May 1, 2010
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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Dawn Rupersburg's Blog

Are any of you seeing banks provide seller concessions?

Posted on May 7, 2010 at 4:12pm 17 Comments

Have any of you seen banks provide 3% or more seller concessions on the short sales? If so who has been willing to do this. Our area has several short sales. The buyers in our market normally need the seller to provide concessions to close the deal.

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At 10:15am on May 5, 2010, Andrew Thurber said…
Welcome to the guide and have a happy Birthday today!
 
 
 


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