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Short sales are a process a homeowner can go through if they find themselves in a hardship position in either getting their home sold or if they are unable to keep their home. Information on if a short sale is right for you.

Seems to be a bit of underhandedness going on

I run my brokerage firm and I do not comply with any company dictating how I receive and pay commission nor how I am to run my business.  It is not about how many deals I can do that is not what I am addressing nor is it any part of what I have an issue with.  If I will not let an agent working for my company list at 4% where does some outside company have the right to dictate a portion of my commission for both sides of the sale.  Additionally, I had the buyer under contract and submitted to OCWEN prior to this new roll out.  This causes a problem with the already executed contract.  I think contract classes are in order if this is not understood.  I do not run with the sheeple, I am of able body and mind to make decisions for my own company.  Since they require Arms Length Transactions, let them apply the rules to themselves.

Fellow real estate agents this is a must read if you have short sales with Ocwen. Ocwen sending a letter that states Page 1 Item F “Listing Broker has requested RHSS to provide and RHSS has agreed to provide (or cause to be provided) the services to the listing broker pursuant to the terms and conditions as set forth herein”…..

How many of you agents have solicited Ocwen for this agreement? The agreement I saw was signed by Christian Webb on behalf of RHSS. Christian Webb is not licenced in the state of Florida. Look up Real Home Services and Solutions (RHSS) Also dba Altisource. Then section 9.1 and 9.2 on pages 3 and 4 Altisource owns Hubzu and RHSS. Does this sounds arms length?

Altisource owns HUBZU and RHSS.  The agreement they want the listing broker to sign states that the listing broker has requested RHSS to provide the services (not true, this strong arming and if there is a legal concern and I sign this agreement then I am lying and supporting their false tactics).

KEEP READING:
William C. Erbey. Mr. Erbey has served as the Executive Chairman of the Board of Directors of Ocwen since September 1996, as the Chief Executive Officer of Ocwen from January 1988 to October 2010 and as the President of Ocwen from January 1988 to May 1998. From 1983 to 1995, Mr. Erbey served as a Managing General Partner of The Oxford Financial Group, a private investment partnership that was the predecessor of Ocwen. Mr. Erbey has also served as Chairman of the Board of Directors for Altisource Portfolio Solutions S.A. since July 2009. He is also the founder of Home Loan Servicing Solutions, Ltd. and has served as its Chairman since December 2010. He also has served as Chairman of the Board of Directors of Altisource Residential Corporation since July 2012 and as Chairman of the Board of Directors of Altisource Asset Management Corporation since March 2012. From 1975 to 1983, Mr. Erbey served at General Electric Capital Corporation in various capacities, most recently as the President and Chief Operating Officer of General Electric Mortgage Insurance Corporation. Mr. Erbey also served as the Program General Manager of GECC’s Commercial Financial Services Department and as the President of Acquisition Funding Corporation. He holds a Bachelor of Arts in Economics from Allegheny College and a Master of Business Administration from Harvard University.

With extensive experience in the financial services and mortgage industries, Mr. Erbey provides the Board of Directors with an informed perspective and thoughtful insights into strategic and operational opportunities, economic and industry trends of relevance to the Company and guidance on the competitive positioning of the Company. Throughout his tenure, Mr. Erbey has successfully demonstrated his business acumen and commitment to our Company. His wide-ranging expertise in the financial services business and extraordinary leadership capabilities are recognized as invaluable by the Board of Directors.

What’s Happening Gainesville – Kanapaha Botanical Gardens’ Annual Bamboo Sale

When: January 28 (Monday) – April 12 (Friday), 2013

Where: Kanapaha Botanical Gardens, 4700 Southwest 58th Drive, Gainesville, FL 32608

Kanapaha Botanical Gardens is a place of one of the largest number of bamboo species in the state. Every year during winter, they offer a ‘dug-to-order’ basis sale to produce income for the non-profit facility. The number of species for sale comes in different numbers yearly but mostly it counts for 15 to 20 species that comes in various sizes.

What’s great about bamboo is that it is one of the fastest growing plant in the earth.  If your community allows you, why not put a little zen in your lawn or put a tiny bamboo coaster indoors.

How your family’s expenses and income determines your Gainesville Short Sale.

How your family’s expenses and income determines your Gainesville Short Sale. In a short sale, it is not always a walk in a park. There are numerous possible results of your short sale. May it bring dismay or a positive outcome for you. There are no guarantees. Everybody will do the best to have the short sale closed, but the process is not always easy. There are lots of twists and turns.

As a seller, put it in your mindset that you will pour out a huge commitment in every short sale deal and be prepared of its result. If you are not  sincere in finishing a short sale then it is a waste of your time and other people’s time as well.  There are instances wherein sellers backed out in the middle of the deal especially when signing notes or some cash is needed.

The business of short sale is all about taking chances. Your attorney has a power to draft a supplement demand to oppose the offer of the buyer that says if the seller do not have the same opinion with the lender, then the seller has  the choice to not close and there will be seen as an act of evading on the seller’s side. At several moments, a deficiency is still okay than a foreclosure deficiency.

Every homeowner should realize that one should make an estimate of expenses for qualification. As an agent, you have to guide these homeowners to have their estimates right. One of the most under reported expenses is about child-related expenses that involve babysitters, school fees, and expenses for baby’s needs.

Monthly expenses are suggested to be monitored during grocery period. For a family consisting of 4 members, lenders would usually acknowledged $800. Please use this amount and adjust this according to the size of your size of your family. Take note that even if the baby is not yet born, you have to add the babies’ cost of expenses because there’s a huge possibility that the baby would already be born when your short sale is approved.

Evaluate the total monthly expenses and income. For instance, a family of four has a monthly income of $5000 each month and their mortgage payment is $4000 a month, Therefore the family is in financial hardship. Most of the time homeowners have a huge possibility that they would qualify for a short sale because mostly, expenses exceed the family’s  income.

Other Articles to Read:

How Long is a Short Sale?

Why Don’t I Just Let the Bank Foreclose?

What Can a Short Sale Agent do for Me?

3 Questions You Should Ask Before Hiring a Gainesville Short Sale Agent

Call Stephanie Anson today at 352-260-0153 for a confidential phone interview regarding your options.

Please seek legal advice. This information is for informational purposes only.

Contact Stephanie Anson, CLHMS, CDPE, SFR, Realtor®, Anson Properties LLC. Licensed Realtors® in Florida at 352-260-0153 to list your property for sale or to purchase a property in Gainesville, Archer, Alachua, High Springs, Waldo, Keystone Heights, Hawthorne, Melrose, Cross Creek, LaCrosse, Williston, Earlton, Ocala, Micanopy, Newberry, Kanapaha, Haile Plantation, Duck Pond and the rest of Alachua County Florida, Orange County Florida and Seminole County Florida. We are accepting referrals.

  

What’s the best Gainesville Short Sale offer?

What’s the best Gainesville Short Sale offer?  As a homeowner who chooses to short sale your home. It is difficult to choose a buyer for your Gainesville short salebecause short sales are very appealing to many buyers. The best advice is for you to consult your agent.

There are many things to consider when choosing an offer. First, you have to see to it that the buyer is eligible and are able to finance your short sale well. You cannot always pick the highest offer and end up feeling tricked when your buyer will not be able to finance your home.

It usually takes 30 days for your short sale to be approved. Once it expires, it needs to be renegotiated and would again take 2 to 6 months. It is much better to choose a price that is less but with a stable financing. You might want to request a copy of the pre-approval letter from your buyer.

Make sure that you were able to scrutinize the pre-approval letter. We experience one event wherein the short sale buyer’s agent, short sale loan mortgage broker, and the buyer’s lender is just one person.

In Florida, this is illegal. It cannot be done that the real estate agent and mortgage brokeris the same person or within the same company.

Another aspect to consider is the demands of the buyers. Can you meet these demands? Do the buyer want furnishings and complete kitchen appliances?. Make sure to choose a buyer where you can meet its demand.

You can choose an offer that has the best qualifications, of course.

Other Articles to Read:

Are Gainesville Homes for Sale More Affordable?

My Gainesville Short Sale Appraisal Came in Low, Now What?

Gainesville Florida Foreclosure Fraud Up – Avoid Scams

Choosing the Best Offer for Gainesville Short Sales

Call Stephanie Anson today at 352-260-0153 for a confidential phone interview regarding your options.

Please seek legal advice. This information is for informational purposes only.

Contact Stephanie Anson, CLHMS, CDPE, SFR, Realtor®, Anson Properties LLC. Licensed Realtors® in Florida at 352-260-0153 to list your property for sale or to purchase a property in Gainesville, Archer, Alachua, High Springs, Waldo, Keystone Heights, Hawthorne, Melrose, Cross Creek, LaCrosse, Williston, Earlton, Ocala, Micanopy, Newberry, Kanapaha, Haile Plantation, Duck Pond and the rest of Alachua County Florida, Orange County Florida and Seminole County Florida. We are accepting referrals. Gainesville Short Sale Agents

  

Keep Away from Gainesville Short Sale Scams

Keep Away from Gainesville Short Sale Scams

It is hard to trust anyone when you are a homeowner that is facing a huge mortgage debt and soon enough you’ll know the bank wants your home foreclosed. Well, there are definitely people out there who won’t go with the help but with the money they can benefit from you.

As a Gainesville Short Sale Agent, please listen and take time to read this article. If you are choosing short sale as an option, you have to know what a short sale is, and know how to short sale. It is crucial to know the basics of the process that you are about to go through. Choose reliable information from trusted references. Do not just accept everything as a fact. When choosing a short sale agent, know her/his background first, or choose agents that are referred to you and know them well.

If a short sale enterprise calls you and immediately deliver good news of accepting your property for short sale, be skeptical about how quick their decision is because there are many instances wherein not every short sale are guaranteed.

And especially if it wants you to pay upfront about the charges, please call the Attorney General’s Office because it is prohibited in Florida for a company to charge an upfront payment in order for you to be able to short sale your home. Except lawyers who can charge clients with retainer fee.

There are many companies out there and not all are legitimate. As an agent, homeowners always asked about the short sale process. It is normal; I know you are just being safe. It is better to do your research over these companies before signing any deed.

Third parties may coerce you to sign some papers because this might lead you to a sinkhole. If this might happen, they can now have total control with the sale of your cherished home. There are companies that advertised they’ll buy unsightly properties or pay upfront cash for your house even if it looked bad and you owe the bank a lot.

Most Banks even changed their policies and procedures over time. Our company, Anson Properties LLC, can help you with your short sale problem. Call us so we can talk everything over the phone, 352-260-0153. We take high respect on your information’s confidentiality, and we will answer questions that you want to ask. Call us.

Other Articles to Read:

Gainesville Homeowners – Have an FHA Loan – Help on the Way

Gainesville – Principal Loan Reduction

Gainesville Short Sale Agents Rent To Buy Scheme

Gainesville Florida Foreclosure Fraud Up – Avoid Scams

Call Stephanie Anson today at 352-260-0153 for a confidential phone interview regarding your options.

Please seek legal advice. This information is for informational purposes only.
Contact Stephanie Anson, CLHMS, CDPE, SFR, Realtor®, Anson Properties LLC. Licensed Realtors® in Florida at 352-260-0153 to list your property for sale or to purchase a property in Gainesville, Archer, Alachua, High Springs, Waldo, Keystone Heights, Hawthorne, Melrose, Cross Creek, LaCrosse, Williston, Earlton, Ocala, Micanopy, Newberry, Kanapaha, Haile Plantation, Duck Pond and the rest of Alachua County Florida, Orange County Florida and Seminole County Florida. We are accepting referrals. Gainesville Short Sale Agents

  

How Can I Avoid Foreclosure? | Gainesville Short Sale

There are a handful of Gainesville Short Sale Agents out there to make you understand about Short Sale. Often, the question that might come into your mind is “Am I making the right choice?.” If you are a homeowner currently in a tough state and confronting issues including foreclosure, or your loan modification have been refused, or you already tried seeking help in your trusted bank but your end did not meet, and with all these, you felt that there is no other options left.

Well, the world definitely did not end last December 21 and it is not yet the end for you, but with the Short Sale alternative, it’s a good option aside from foreclosure and can be the end to your problems.

What is a Short Sale? A short sale is   selling your home in an amount lower than the mortgage that you owed in the bank. For instance:  you are indebted to the bank $150,000 on your house, then you offered your house to the bank for only $75,000. The bank will forgive the other $75,000 that you are indebted with them.

Now, why would the bank do that? On the part of the bank, putting up on short salewill keep them from legal expenses that would run from $10,000 to $35,000 or more if they will foreclose it. Take note that the bank does not want to purchase a house; their business is not on buying and selling homes but acting as a mediator.

How to qualify for a short sale? In most states, there are different laws surrounding real estate. It is necessary that you consult a Gainesville short sale agent as she can provide you all the information that you need to qualify for a short sale and will help you on the process.

To legally list a short sale, one should have a real estate license. That’s why it is crucial to choose an agent that has the skills and experience to sell a home sale home. That your short sale agent has worked with different lenders, since each lender has different rules and regulations toward short sale.

The Gainesville short sale agent that you choose will ultimately influence the short sale process. Our team has the best short sale agents in the county, and if you have further questions, contact our office 352-535-0620. 

Other Articles to Read:

Gainesville Short Sales Hiring Incompetent Short Sale Agent

Short Sale Top 10 Questions

 

Call Stephanie Anson today at 352-535-0620 for a confidential phone interview regarding your options.

Please seek legal advice. This information is for informational purposes only.
Contact Stephanie Anson, CLHMS, CDPE, SFR, Realtor®, Anson Properties LLC. Licensed Realtors® in Florida at 352-260-0153 to list your property for sale or to purchase a property in Gainesville, Archer, Alachua, High Springs, Waldo, Keystone Heights, Hawthorne, Melrose, Cross Creek, LaCrosse, Williston, Earlton, Ocala, Micanopy, Newberry, Kanapaha, Haile Plantation, Duck Pond and the rest of Alachua County Florida, Orange County Florida and Seminole County Florida. We are accepting referrals.

  

FTC Sent Warning Letters for Mortgage Ads

Some Lenders have received a letter from federal regulators advising them that their mortgage advertisements found on websites, social media networking sites, direct mailers, and written papers like magazines and newspapers may be misleading. Federal Trade Commission(FTC) mentioned that they mailed letters to an almost 2 dozen companies in coordination with the Consumer Financial Protection Bureau (CFPB) which also sent warning letters to other companies.

From extensive sources all over the media, about 800 ads were reviewed and have revealed that could mislead consumers because of its disturbing claims. The ads reviewed have pose violations of the Mortgage Acts and Practices Advertising Rule and the FTC Act.

First, advertisements that proposed a minimal fixed mortgage amount without discussing noteworthy loan terms. Second, advertisements containing statements, photos, logos and abbreviations implying that an advertiser is associated with a government group. Lastly, advertisements promising approval and suggesting low monthly payments lacking discussion regarding conditions on the offers.

CFPB mentioned that some promoters will use your military or veteran status as a reason to approach you and offer special deals or suggesting VA approval, some will lure you to “no payment” mortgage to confuse older Americans that are frantic to find a solution to still live in their houses when they can no longer be able to afford paying the mortgage payments.

The “Mortgage Acts and Practices Advertising Rule” took effect last year of August. It prohibits misrepresentations in advertising marketing and promotions or other profitable areas regarding customer mortgages. It has been tagged as Regulation N because the authority to make rules was transferred from FTC to CFPB.

FTC and CFPB have a portion of authority over non-bank mortgage promoter such as loan lenders, real estate brokers, loan servicers, and advertising institutions. Those who violate the rule may be obligated to pay civil penalties.

Other Articles to Read:

Why it is Important to Understand the Short Sale Process

3 mistakes to avoid when short selling your Gainesville home

Gainesville Short Sale Agents Rent To Buy Scheme

Military homeowners to get short sale assistance

Call Stephanie Anson today at 352-535-0620 for a confidential phone interview regarding your options.

Please seek legal advice. This information is for informational purposes only.
Contact Stephanie Anson, CLHMS, CDPE, SFR, Realtor®, Anson Properties LLC. Licensed Realtors® in Florida at 352-260-0153 to list your property for sale or to purchase a property in Gainesville, Archer, Alachua, High Springs, Waldo, Keystone Heights, Hawthorne, Melrose, Cross Creek, LaCrosse, Williston, Earlton, Ocala, Micanopy, Newberry, Kanapaha, Haile Plantation, Duck Pond and the rest of Alachua County Florida, Orange County Florida and Seminole County Florida. We are accepting referrals. Gainesville Short Sale Agents

Gainesville Homes For Sale! 516 NW 34th


Gainesville Homes For Sale! 516 NW 34th

Overview

Maps

Photos

Features 

$89,000
Single Family Home
Main Features
3 Bedrooms
2 Bathrooms
Interior: 1,408 sqft
Location
516 NW 34th St
Gainesville, FL 32607
USA

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Stephanie Ann Anson

Anson Properties LLC
(352) 260-0153
sasjrussell@gmail.com
http://www.floridahomesalesearch.com

Listed by: Anson Properties LLC

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Fannie Mae and Freddie Mac delegation agreement starts this month

Fannie Mae and Freddie Mac delegation agreement starts this month
Just last November 1, Fannie Mae and Freddie Macgave a go signal to nine private loan servicers for them to grant short sales without having to get another review for troubled borrowers. This is done because it has a huge possibility to lessen costs, interruptions, and doubt. This allocation agreement will allow loan insurers to grant any short sale

It has been known that these nine loan insurers to have agreed to advance short sales are as follow:
• United Guaranty Corp
• Genworth Mortgage Insurance Corp.,
• CMG Mortgage Insurance Co.
• Triad Guaranty Insurance Corp.
• PMI Mortgage Insurance Co.
• Radian Guaranty Inc.
• Essent Guaranty Inc.
• Republic Mortgage Insurance Co.
• Mortgage Guaranty Insurance Corp.

For borrowers who were able to make only less than 20 percent down payments of the value of the home they are bankrolling, Fannie Mae and Freddie Mac pass on a prerequisite for borrowers to remove mortgage insurance.
With this new agreement, the process of which nine mortgage insurers agree will benefit the people because it’ll be reliable and orderly for both insurers and borrowers.

Tracy Mooney, senior vice president for loan servicing and REO at Freddie Mac, said that they are very happy that the nation’s mortgage insurers are very cooperative to work with alone with the servicers. This will really boost borrowers to acquire short sales and several foreclosure substitutes. Since the borrowers will benefit with this agreement, many will be able to avoid foreclosure. It clearly shows that it supports housing recovery and aids the reduction of taxpayer damages.

Other Articles to Read:

736K self-insured Florida residents to get rebate

30-year FRM hits record low at 3.66%

Gainesville Short Sale Agents Rent To Buy Scheme

Gainesville Short Sales – Why Don’t I Just Let the Bank Foreclose?

Call Stephanie Anson today at 352-260-0153 for a confidential phone interview regarding your options.

Please seek legal advice. This information is for informational purposes only.

Contact Stephanie Anson, CLHMS, CDPE, SFR, Realtor®, Anson Properties LLC. Licensed Realtors® in Florida at 352-260-0153 to list your property for sale or to purchase a property in Gainesville, Archer, Alachua, High Springs, Waldo, Keystone Heights, Hawthorne, Melrose, Cross Creek, LaCrosse, Williston, Earlton, Ocala, Micanopy, Newberry, Kanapaha, Haile Plantation, Duck Pond and the rest of Alachua County Florida, Orange County Florida and Seminole County Florida. We are accepting referrals. Gainesville Short Sale Agents

  

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Short Sale Guidelines Keep Gainesville Homeowners Happy

Short Sale Guidelines Keep Gainesville Homeowners Happy

Short sales are rising this year and it will eventually rise because of federal regulators who manage Fannie Mae and Freddie Mac. They made paperwork more efficient and offered an option to second-lien holders up to $6,000 to accelerate the process of short sale as announced by Federal Housing Finance Agency months ago. Fannie Mae and Freddie Mac will not even require records from borrowers who have missed paying loans; have small credit scores, or those who are struggling financially.

Of course, there are borrowers who pay up-to-date. These people will be given more time to process their short sale and also those who are facing difficulties like divorce, employment layoff, death in the family, disability, and others.

People from the military are quite lucky because they are automatically entitled for short sales even if they have existing mortgages, and they will be excused from insufficiency of payments if ever.

Homeowners who have enough income are invited to contribute funds to cover a fraction or all the part or the entire deficit among the outstanding loan balance and the home prices.

Days ago, the new guidelines set by National Association of Realtors have taken effect. It is connected to the guidelines that FHFA, Fannie Mae and Freddie Mac have set.

Guy Cedala, publisher of the trade publication Inside Mortgage Finance, told the Wall Street Journal that the $6,000 given to second-lien holders is not enough to halt a short sale. However, NAR added that with this it will allow families to avoid foreclosure. Short sale will also help the real estate market by alleviate the home values and keeping the neighborhoods busy while recovering.

Other Articles to Read:

Possible Outcomes If your Short Sale Approved

Preparing for a Gainesville Short Sale

Amount of Home Loans Increased as Rates Slides Downward

Gainesville Short Sale Cost

Call Stephanie Anson today at 352-535-0620 for a confidential phone interview regarding your options.

Please seek legal advice. This information is for informational purposes only.
Contact Stephanie Anson, CLHMS, CDPE, SFR, Realtor®, Anson Properties LLC. Licensed Realtors® in Florida at 352-260-0153 to list your property for sale or to purchase a property in Gainesville, Archer, Alachua, High Springs, Waldo, Keystone Heights, Hawthorne, Melrose, Cross Creek, LaCrosse, Williston, Earlton, Ocala, Micanopy, Newberry, Kanapaha, Haile Plantation, Duck Pond and the rest of Alachua County Florida, Orange County Florida and Seminole County Florida. We are accepting referrals. Gainesville Short Sale Agents

  

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