Jose A. Rivas (RDCpro,SFR, CDPE)
  • Male
  • Nottingham, MD
  • United States

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Jose A. Rivas (RDCpro,SFR, CDPE)'s Discussions

Need HELP with DSELP

Started this discussion. Last reply by Smitty Jul 11, 2011. 2 Replies

I just received a short sale approval from a lender, but the owner (borrower) used a DSELP grant for $9,000 towards closing cost when they purchase the house, now the bank is asking the borrower to…Continue

Tags: Note, Default, Foreclosure, Promisory, Approval

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Jose A. Rivas (RDCpro,SFR, CDPE)'s Page

Profile Information

Areas You Service (be VERY specific specific and include ALL counties, cities, states, and towns you service!)
MD Anne Arundel, MD Cecil, MD Baltimore, MD Harford, MD Howard, MD Montgomery, MD Prince Georges, MD Carroll counties and MD Baltimore City
Short Sale Designations and/or Special Training
SFR (Short Sales and Foreclosures Resource), CDPE (Certified Distressed Property Expert), 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 am partner of Central Realty, the larest Hispanic owned realty in the Greater Baltimore area. My team specializes in distressed properties REO and Short Sales, I have 2 designations CDPE and SFR and I am also an HRC for Titanium Solutions. I enjoy helping home owners who are facing difficulties paying their mortgage. It is good to help people solve their problems and better their situations.
Put in todays date! This is to help stop spammers!
May 21, 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!

Jose A. Rivas (RDCpro,SFR, CDPE)'s Blog

Reasons why a bank would reject a short sale

Posted on August 10, 2011 at 9:52pm 4 Comments

I have been doing short sales for about 3 years, I have seen a lot but I am still learning. I known that banks sometimes might denied a short sale in the following cases:

  • 80/20 they can agree on how much each one is getting, sometimes the 2nd mortgage wants more than what the first mortgage is willing to approve.
  • Contract price is too low or property is so ugly and has to many issues that no one is interested to pay what the bank has approved.
  • Too many liens on…

Banks are giving money for Short Sales

Posted on July 30, 2011 at 2:11am 7 Comments

I just read an interesting article on DSNEWS, the article explains that major lenders are giving their borrowers insentives for short sales, and some are trying to streamline the process.

The article states that Wells Fargo has been giving relocation assistance up to $20,000 in Florida for if the borrower chooses to go do a short sale or deed in lieu. Chase is also offering up to $20,000 if the borrower doesn't qualify for a loan modification and up to $30,000 in CA. Citi has… Continue


Posted on July 18, 2011 at 4:18pm 11 Comments

I read all over the internet about the new MARS rules, that wont be enforced to agents in good standing with their local boards.

This is a great news for us, before MARS required us to make several disclosures and we were not allow to collect any retainer fees.

The new rules:

Real estate agents who are in good standing under state licensing requirements, in compliance with state real estate laws, and assisting homeowners in obtaining short sales…


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