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ANYONE HAVE EXECUTIVE LEVEL CONTACT INFO FOR CCO MORTGAGE - AKA CITIZENS BANK
Started this discussion. Last reply by Jorge Diaz Jr. Nov 21, 2011. 2 Replies 0 Likes
Does anyone have upper level contact info for CCO? I have one with them that is sinking in a morass of confusion and stupidity, the likes of which I have never seen. At one point they were holding…Continue
Anyone ever heard of Kazork.com?
Started this discussion. Last reply by Joy Baker Mar 16, 2011. 6 Replies 0 Likes
I recently ran across this company. They, basically, have an offer management system like Equator. However, unlike Equator, their system allows for Buyer's Agents to make offers directly and it…Continue
Does Anyone Have Contact Info For A Living Breathing Human Being With A Functioning Brain At Fannie Mae????
Started this discussion. Last reply by Joy Baker Feb 7, 2011. 6 Replies 0 Likes
I'm in the middle of fun and games with Bank of America regarding the value of one of my short sale properties. Bank of America is asserting that Fannie Mae is requiring them to counter the offer on…Continue
S.A.F.E. Act
Started this discussion. Last reply by Smitty Jan 20, 2011. 20 Replies 0 Likes
I just got a long explanation from a local Title Attorney explaining his interpretation of the Safe Act and why he believes that it prohibits anyone without an N.M.L.S. license from working on a…Continue
Joy Baker's Page
Latest Activity
Joy Baker replied to Elva Branson-Lee's discussion BOA Enhanced Relocation Assistance LIMITED TIME program? in the group Bank of America Short SalesJoy Baker replied to Mike Linkenauger's discussion Our Association requires ALL offers be submitted to lenders"I beg to differ, David. You also can't close a transaction without the buyer's bank saying yes to a loan but that does not make them a party to the transaction.
In a short sale you have a contract between two parties - buyer and…"
Joy Baker replied to Mike Linkenauger's discussion Our Association requires ALL offers be submitted to lenders"You are absolutely correct, Jack."
Joy Baker replied to Mike Linkenauger's discussion Our Association requires ALL offers be submitted to lenders"Where are you seeing that Dan? I just looked at the document again and I don't see anything about presenting other offers."
Joy Baker replied to Mike Linkenauger's discussion Our Association requires ALL offers be submitted to lenders"As Joseph said, I find it interesting that your Association does not understand who your client is and who you owe fiduciary duties to. The lender does not own the property therefore the lender has no rights other than to determine if, and…"
Joy Baker commented on Andrew Thurber's group Real Estate Humor"Guess that goes along with...has anyone else noticed that HUD spelled backward is DUH..."
Joy Baker commented on Mike Linkenauger's group HAFA Short Sale Program"Yes it is available for Fannie and Freddie, Aileen, but the guidelines are different. All the lovely "make it easier" guideline changes that Treasury keeps spouting are only for non-GSE loans AND if you read the fine print you…"
Joy Baker replied to Steven Pawera's discussion New Procedures: comply - or watch your file die in the group Bank of America Short Sales"That's what they should have named the Short Sale Presentation Series they're doing..."COMPLY OR DIE"...LOL"
Joy Baker replied to Chrissy C's discussion Help Neeed ASAP in the group MetLife Home Loans"Chrissy, it doesn't sound like the company you hired to "handle" your short sale is doing to great a job if you have to resort to a panic call like this. MetLife is no fun to deal with, that's for sure but they should be…"
Joy Baker replied to Lauren Case's discussion FHA approval for Wells - debt/income ratio an issue"An FHA Short Sale is a completely different animal than any other and HUD's Guidelines specifically state that the Mortgagor cannot have surplus income. So, look at the numbers -income less fixed expenses - if there is anything left over…"
Joy Baker commented on Frances Earman's blog post Is this the right place to ask for help? BAC HAFA"Frances, Bank of America wants all short sales (including HAFA short sales) to be done via their platform, Equator. You can reach it by going to www.equator.com. Once there you will have to set up an account.
With regard to the…"
Joy Baker replied to Gloria Oquendo's discussion Bank Want to Collect the Rent on a Building that it is not Foreclosure Yet! in the group Bank of America Short Sales"And, I'm sure it's one that will come in handy on a regular basis.
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Joy Baker replied to Gloria Oquendo's discussion Bank Want to Collect the Rent on a Building that it is not Foreclosure Yet! in the group Bank of America Short Sales"What kind of misleading heap of garbage are they teaching out there?
With regard to Equator and Rejections for the oh so enlightening reason of "Other". I had an issue a while back where my third party authorization kept getting…"
Joy Baker replied to Gloria Oquendo's discussion Bank Want to Collect the Rent on a Building that it is not Foreclosure Yet! in the group Bank of America Short Sales"Thank you. I'll take FHFA and Bulk REO Sales for 400, please....:)"
Joy Baker replied to Gloria Oquendo's discussion Bank Want to Collect the Rent on a Building that it is not Foreclosure Yet! in the group Bank of America Short Sales"The 1 to 4 Family or Multi Family Rider that is part of many mortgage documents includes an agreement which states that, in the event of nonpayment, the mortgagee (the bank) has a right to collect rental receipts to make up for the defaulted…"
Profile Information
- Occupation
- Realtor
- Areas You Service (be VERY specific specific and include ALL counties, cities, states, and towns you service!)
- New Hampshire - Rockingham County (ALL) including Salem, Windham, Atkinson, Hampstead, Plaistow, Derry, Londonderry, Chester and Auburn. Hillsborough County - Manchester, Bedford, Goffstown, Hooksett, Merrimack, Hudson, Litchfield, Pelham, Nashua, Hollis, Brookline, Milford, Amherst, New Boston and Mont Vernon.
- Short Sale Designations and/or Special Training
- CDPE (Certified Distressed Property Expert), LMC (Loss Mitigation Consultant), Equator Certified, HRC (Home Retention Consultant)
- Short Sale Transactions Completed
- 25-50
- 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!
- I began actively selling real estate in 1987 [I was, of course, a child prodigy :)]and facilitated my 1st short sale in 1992. Short sales were a rarity in those days but once I did one successfully, word got out and I did quite a number of them over the next several years. I then moved over to the Title side of things for awhile (apparently, I don't like to sell in an up market...not enough of a challenge). As the market began to decline and short sales once again made their debut, I began mentoring RE agents and working as the "backroom" negotiator for several entities that were offering their services to the many bewildered real estate agents out there. Eventually I decided to get back in to actively selling and just do it myself. I am currently associated with RE/MAX Insight.
- Put in todays date! This is to help stop spammers!
- June 11, 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!
- I Agree
Comment Wall (2 comments)
- At 2:18pm on May 02, 2011, Mike Linkenauger gave Joy Baker a gift…
- At 9:49am on August 19, 2010,
Vanessa Calhoun said… - Thanks, Joy!
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Forum
Bank of America Short Sale Incentive Relocation Assistance
Started by TeamKane Realty in Rants and Raves. Last reply by Robin Mitchell 5 hours ago. 3 Replies 0 Likes
Are FHA loans eligible for HAFA?
Started by Cinda Rose in Rants and Raves. Last reply by Larry Hollingsworth 9 hours ago. 1 Reply 0 Likes
Supreme Course rules on Quicken Case - Fee does not violate Section 8(b) of RESPA
Started by Patti Guilford in Rants and Raves. Last reply by Fred Shocklie 12 hours ago. 2 Replies 0 Likes
What does Analysis stage mean Bank of America
Started by Craig Schneider in Rants and Raves. Last reply by Craig Schneider 12 hours ago. 9 Replies 0 Likes
Making sure your Realtor is on top of things
Started by Stephen Dotlich in Rants and Raves. Last reply by Satar Naghshineh 13 hours ago. 16 Replies 0 Likes
Bank of America changed closing date
Started by Kevin Hayes in General Discussion. Last reply by Dawn Marie Richeal 16 hours ago. 5 Replies 0 Likes
Bank of America NDS Co-op on Proactive
Started by Olesya Drozdova in Question and Answer. Last reply by Jack Dudenhoeffer 16 hours ago. 3 Replies 0 Likes
Is There A Maximum Dollar Amount That Qualifies For A Short Sale?
Started by James Ybarra in Rants and Raves. Last reply by Mike Linkenauger 17 hours ago. 4 Replies 0 Likes
Does anyone have any short sale experience with Ocwen Bank?
Started by Varnie Jules in Network Talk. Last reply by Joseph C. Alfe on Monday. 15 Replies 0 Likes
Can the seller pay additional commission?
Started by Jose Hernandez in Question and Answer. Last reply by Satar Naghshineh on Sunday. 63 Replies 0 Likes
© 2012 Created by Mike Linkenauger.
