Joy Baker
  • Female
  • Londonderry, NH
  • United States
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Joy Baker's Friends

  • Marcus Johnson
  • Christopher Ross
  • Frank Burke
  • Steven Pawera
  • Kevin - Greenville, SC
  • Pattie Johnson
  • Jennifer Escobar
  • Julie Tinkey
  • Deborah Weiss
  • Dana Harris Carter
  • Lorraine Hunter, CIAS, CDPE
  • Ben Benita
  • Vanessa Calhoun
  • Sean O'Carroll
  • Scott Burrage, CFS HRC

Joy Baker's Discussions


Started this discussion. Last reply by Jorge Diaz Jr. Nov 21, 2011. 2 Replies

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

Started this discussion. Last reply by Joy Baker Mar 16, 2011. 6 Replies

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

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

Tags: Fannie, Mae, sale, short, of

S.A.F.E. Act

Started this discussion. Last reply by Smitty Jan 20, 2011. 20 Replies

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 Rich Steffen's discussion Debt Relief Act
"You're thinking of the First Time Homebuyer Tax Credit, Rich.  They gave a grace period on that.  This is a different animal and is tied directly to the tax year."
Feb 18, 2014
Joy Baker replied to Tracie Norman's discussion FHA is now a Repurchased Loan? Can someone please help?!
"Tracie, a repurchased loan is typically a loan that the investor has forced the originating lender to take back because it was somehow defective.  Every servicer has their own jargon to a certain degree and, heaven knows, half the people…"
Oct 26, 2013
Joy Baker commented on Sharon Molnar's group FHA
"Servicers routinely give incorrect info regarding the FHA Preforeclosure Sales Option.  Many will try to tell you that it is handled just like a BAU (business as usual) short sale and that you should not bother them until you have an…"
May 9, 2013
Joy Baker replied to Terrence D. Langford's discussion BOA FHA Short Sale - List at Payoff Amount. Huh? in the group FHA
"Terrence, FHA has very specific guidelines with regard to how their Preforeclosure Sales Option (their term for Short Sale) must be handled and I find that many Servicers do not know or care and, if the agent does not force them to do it…"
Mar 25, 2013
Joy Baker commented on Mike Linkenauger's group HAFA Short Sale Program
"Hi Folks - There seems to be a lot of confusion about the HAFA program and it's various incarnations (Fannie, Freddie and Treasury).  This blog post might…"
Jan 7, 2013
Joy Baker replied to Greg Adams, CDPE, SFR's discussion Bank Of America's SYSTEM Is Broken!
"Have you contacted  HUD's National Servicing Center directly and "opened a ticket"?  Sometimes you have to get HUD to slap the Servicer around...LOL."
Oct 10, 2012
Joy Baker replied to Sue Wells's discussion CHASE MANAGMENT CONTACT
"Sue~I am having a bit of difficulty understanding your post.  In your first sentence you say, "my client turned her property over to EMC" and that "a title report shows EMC as the owner".  This would indicate to me that…"
Oct 10, 2012
Joy Baker replied to Tony Morales's discussion Wells Fargo dictating commission split
"Two words...Tortious Interference..."
Sep 4, 2012
Joy Baker added a discussion to the group FHA

Repayment Plan on FHA Short Sale

Hello All~I have a client who finds himself in a situation where he and his fiance each own a home, both homes are underwater and they cannot (don't want to)  sustain both houses.  Since there is a child involved who has known his fiance's property as home, my client needs to sell his.I do not believe my client would qualify for the Standard Preforeclosure Sales Option since it could be determined that he has excess income and, in any event, he has no desire to walk away from his obligations. …See More
Aug 6, 2012
Joy Baker joined Sharon Molnar's group


Looking for information from FHA
Aug 6, 2012
Joy Baker replied to Victoria Clark-Alexander's discussion Banks only paying 1% of buyers closing cost...Hmmmmmm????
"I believe Vanessa is correct.  When the loan being shorted is an FHA they don't like to pay any closing costs but will consider it with a variance, IF the total seller closing costs (excluding commission) do not exceed 3% and IF they are…"
Jul 18, 2012
Joy Baker and Steven Pawera are now friends
Jul 14, 2012
Joy Baker replied to Steven Pawera's discussion IF IT WAS OK THE 1st TIME, THEN DO IT AGAIN in the group Wells Fargo Short Sales
"Steven, I believe it's Equator.  Words cannot express how much I hate this platform.  I received ELEVEN emails the other day on one of my Bank of America short sales (and of course, since BAC is now into "protecting…"
Jul 13, 2012
Victoria Clark-Alexander left a comment for Joy Baker
"Hi Joy!"
Jun 4, 2012
Victoria Clark-Alexander and Joy Baker are now friends
Jun 4, 2012
Joy Baker replied to Elva Branson-Lee's discussion BOA Enhanced Relocation Assistance LIMITED TIME program? in the group Bank of America Short Sales
"This is for HAFA short sales or BAC Cooperative Short Sales Only."
May 15, 2012

Profile Information

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
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!
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 (3 comments)

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At 3:22pm on June 4, 2012, Victoria Clark-Alexander said…

Hi Joy!

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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