Patti Guilford
  • Destin, FL
  • United States

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Patti Guilford's Discussions

Supreme Course rules on Quicken Case - Fee does not violate Section 8(b) of RESPA

Started this discussion. Last reply by Fred Shocklie May 31, 2012. 2 Replies

According to NAR’s legal summary: What the Freeman decision means for real estate brokerages “Suits alleging a violation of Section 8(b) of RESPA have been brought against real estate brokerages that…Continue

Borrowed from a friend: 'Why do SS Approval Letters NOT have a paragraph.....

Started this discussion. Last reply by Edwin Baloloy May 8, 2012. 10 Replies

"Why do SS approval letters NOT have a paragraph where the borrower forever releases the bank from any and all claims arising from issues of origination, securitization, servicing, default servicing,…Continue

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Profile Information

Realtor, Negotiator
Areas You Service (be VERY specific specific and include ALL counties, cities, states, and towns you service!)
Florida Panhandle - Tallahassee, Destin, Panama City Beach, Carilon Bch, Rosemary Bch, Santa Rosa Bch, Sandestin, Fort Walton, Okaloosa Island, Navarre Bch, St George Island
Lower Alabama - Dothan, Enterprise, Hartford, Geneva, Mobile, Orange Beach
Short Sale Designations and/or Special Training
CDPE (Certified Distressed Property Expert), Harris University Training (Of Some Kind), CSSS (Certified Short Sale Specialist), Equator Certified
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!
A licensed agent with Keller Williams Success Realty in Panama City Beach FL; Owner Operator of Magnolia Loss Mitigation and credit repair. Also an associate for Legal Shield which is a great resource for my short sale sellers .. affordable and accessible from attorneys.
Put in todays date! This is to help stop spammers!
September 5, 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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Patti Guilford's Blog

WF new and improved Demand Statement 'Approval Letter"

Posted on June 21, 2012 at 1:24pm 3 Comments

Just received the new and improved WF Demand Statement 'Approval Letter' which clearly states that:

'nothing in this Demand Statement or in the release of the note shall waive the right to seek a deficiency under the loan documents or any of its other rights thereunder, and the obligations evidenced by the note shall remain in full force and effect until paid off.'

The letter starts off with Re: Demand Statement for Loan # xxxx



reported as "Charged Off and remaining balance outstanding" Approval Letter

Posted on November 11, 2011 at 1:34am 2 Comments

Has anyone had this verbiage on an Approval Letter from BAC?

Comment Wall (5 comments)

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At 4:45pm on April 13, 2012, Donna-Jean Santa Maria said…

Orange County California, Huntington Beach, Newport Beach, Costa Mesa area. I'll keep your information close in the event I can send any referrals your way! Have a great day.

At 4:00pm on April 13, 2012, Donna-Jean Santa Maria said…

Thank you Patti and very nice to meet you. Where is your marketplace?

At 1:36pm on March 8, 2012, Pat Hood said…


Hope things are going great for you!Love your insight! I have never had that verbiage in a BAC letter either...

Pat Hood

At 1:31pm on March 7, 2012, Judy Griffin said…

Hi Patti:


I sold 22 homes last year and half of them were short sales. I don't think I have ever had a BofA short sale not close with only one loan and maybe two in the last 4 years that did not close because of seconds that wanted a big seller contribution.

I submit the short sale myself through equator and work directly with the negotiator. I like having direct access with the negotiator so I can push the file along. Is your seller eligible for the HAFA program?


Let me know if I can help.



At 12:36pm on March 7, 2012, Judy Griffin said…

Hi Patti:


Yes, I work in Defuniak Springs as well. Is there anything I can help you with?


Judy Griffin




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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