"I have a Wells Fargo HAFA problem that I'm hoping some one can give home suggestions for. We have the $3,000 Hafa funds and $3,000 for Jr lien, however
my seller now has a lien from a credit card company. How do we get rid of this?
"
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JILL BERNI
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- El Dorado Hills, CA
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relocation money
Started this discussion. Last reply by MRosania Jan 3. 4 Replies 1 Like
I have a Chase HAFA shortsale where the seller is being given $3,000but an additional $20,000 from Chase. Chase said certain files areflagged for this program but couldn't give me any guidelinesContinue
Foreclosure due to property taxes
Started this discussion. Last reply by Smitty Jul 25, 2011. 1 Reply 0 Likes
I haven't come across this before and would appreciate any information supplied.I was contacted by a homeowner who was offered a loan modification and refusedit because it required the property taxes…Continue
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Latest Activity
JILL BERNI replied to Elva Branson-Lee's discussion BOA Enhanced Relocation Assistance LIMITED TIME program? in the group Bank of America Short Sales"It said" homeowner must satisfy all Jr liens." Does this mean HAFA isn't
contributing to Jr Liens?
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JILL BERNI replied to Randall Schweitzer's discussion Anyone work with Greentree, who apparently is a sub-servicer for B of A"I just closed my second transaction with Greentree. Both times they refused to take
anything less than 20% of the balance. In 1 transaction, the buyer paid the difference,
in the 2nd transaction the agents did. Greentree is very unyielding."
MRosania replied to JILL BERNI's discussion relocation money"I was trying to get the details as well. I just received an approval and the seller getting $13000 back."
Smitty replied to JILL BERNI's discussion relocation money"It's not a problem. It's an incentive. I just closed one where the seller got $23,000. "
Mellissa Young-Ramirez replied to JILL BERNI's discussion relocation money"I am wondering if lender is proactively submitting a request for assistance through CAL HFA program maybe?"
DERYL (DEE) SMITH replied to JILL BERNI's discussion relocation money"I also have one from Chase giving $20,000 and HAFA $3000.
"
JILL BERNI commented on terry powe's blog post Whats your HAFA closing rate????"I submitted a HAFA ss to AMS who processes for BofA the first week of Oct. By mid Nov the appraisal was back but on Dec 5th I was told AMS was closing the file because of an auction date of Dec 15th and they needed until the 23rd. I asked them to…"
JILL BERNI posted a discussionrelocation money
I have a Chase HAFA shortsale where the seller is being given $3,000but an additional $20,000 from Chase. Chase said certain files areflagged for this program but couldn't give me any guidelinesSee More
JILL BERNI replied to Tondra's discussion Help! Wells Fargo Short Sale without a financial hardship in the group Wells Fargo Short Sales"Not all investors require you to be delinquent but I have found that if your budget
shows the ability to pay but you don't want to because your home isn't worth
what it use to be, then you won't get an approval. Its all about…"
Craig Bartels replied to JILL BERNI's discussion Ronnie Harris, negotiator, BofA in the group Bank of America Short Sales"I've seen this and others. I keep saying I need to start some type of "short sale consulting" company and I get paid by the banks on how much I show them I save them.
I no longer take short sales for lower end homes, as I…"
Helena Kaucheck replied to JILL BERNI's discussion Ronnie Harris, negotiator, BofA in the group Bank of America Short Sales"REDC is one of the most difficult parties to work in general. Whether it's this gentleman or another "underwriter", they are not helpful at all. I had to ask for help from higher sources at BofA because REDC had a file…"
Tamilyn Simard replied to JILL BERNI's discussion Ronnie Harris, negotiator, BofA in the group Bank of America Short Sales"Yes, working one right now with BofA and bofa sent it to their 3rd party and had to pull it back to BofA and it is currently being worked in Equator. This new requirement for all Fannie HAFA files has been confirmed."
Joshwin Thampan replied to JILL BERNI's discussion Ronnie Harris, negotiator, BofA in the group Bank of America Short Sales"Tamilyn, Have you worked HAFA short sales with Fannie? "
Tamilyn Simard replied to JILL BERNI's discussion Ronnie Harris, negotiator, BofA in the group Bank of America Short Sales"Please make sure before you submit a file to BofA know who the investor is as of July1st, 2011 Fannie changed their policy regarding 3rd party's and will no longer allow any of their servicers to outsource their HAFA files. If…"
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- Realtor, Real Estate Broker
- Areas You Service (be VERY specific specific and include ALL counties, cities, states, and towns you service!)
- 95608,95610,95615,95621,95624,95626,95628,95630,95632,95638,95639,95641,95648,95650,95652,95655,95658,95660,95661,95662,95663,95667,95670,95671,95672,95673,95677,95678,95680,95682,95683,95690,95693,95742,95746,95747,95758,95762,95765,95814,95815,95816,95817,95818,95819,95820,95821,95822,95823,95824,95825,95826,95827,95828,95829,95830,95831,95832,95833,95834,95835,95836,95837,95838,95839,95840,95841,95842
- Short Sale Designations and/or Special Training
- Harris University Training (Of Some Kind), Equator Certified
- Short Sale Transactions Completed
- 100+
- 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?
- none
- About Me/Profile of yourself: - Please add your Brokerage Company name also!
- My Success Team, has a Sales and Marketing plan 2nd to none, and has successfully completed 1OOs of Defaults and Short Sales over the past 20 years
I entered Real estate in 1977 working for several well know banks and savings and loans. I learned the importance of thorough documentation, determining mortgage qualifications and customer service. Today, I am able to quickly determine if a potential buyer is one that has the necessary qualifications to purchase one of my listings.
During the 1980’s, the market rendered new challenges brought about by change in federal regulations and the advancement of consumer protection. At this time, I had advanced to Senior Loan officer, further increasing my skills of letter perfect documentation and also acquiring the patience to listen to each applicant’s needs and desires which has proven to be a valuable attribute today. This is also where I learned how important it was to move in a timely manner and relentlessly pursue the closing of each real estate transaction.
As a result of handling thousands of real estate lending transactions, I acquired her Real Estate license and transitioned into the realm of selling real estate. It was a natural progression to utilize my specialized training to now control both sides of the transaction, to better service my client’s needs and assure the completion of the sale. I have worked for such note-worthy Real Estate companies as Re/max Gold, Folsom Real Estate and Lyon Real Estate which helped to increase my broad spectrum of skills, advanced Real Estate training and moving toward the next stage in my career.
In 2002, I decided it was time to leave the regimented corporate environment. I had earned my Brokers License and wanted to open a Real Estate company that was focused on the individual client needs, instead of an inflexible corporate agenda. I also wanted my husband, Edward, to bring his Brokers License and merge his 30 years of sales and marketing to our new company.
When I opened OakTree Real Estate Services, it was important to me to have the most experienced trustworthy team available, members who are long time residents, and those that can provide maturity and understanding to each individual client’s needs. Each team member has vast experience in each area of the Real Estate dynamic, to give each buyer and seller the most seamless transaction possible.
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- February 2, 2011
- 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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Forum
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