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  • Carmine R Biello Jr July 16, 2012 at 4:41am

    Hi Dave,

    I was just following up. I am in Michigan at least once a month and have a small office in Garden City close to Ford Rd. Are you nearby? I would love to help you. TCF is a challenge for many. I work with some key people at TCF who are the decision makers. I also am involved with their corporate legal counsel. Decisions are quick.  I can work with the agent of your choice. There are a few files I am working that are in MI. I also have family there. I would love to help you.

    Best of Luck,

    Carmine  

     

     

    • Denise Orrico > Carmine R Biello Jr July 18, 2012 at 9:26am

      Hi Carmine!

      I have not taken a TCF file in the past 3 years due to their unprofessional ways of doing business, especially regarding the short sale process. Recently however, a friend of mine asked us to list and sell her home as a short sale- Her only loan is with TCF... I was hoping during these last 3 years that things have changed in their short sale processing but they are exactly how they were back in '09!

      My clients are going through a divorce- The wife lost her job and has moved out of the home to live w/ her sister- Her spouse is in the home but is very cooperative and wants to sell so he can move on. Neither can afford the home as it is too expensive to maintain with only one income- Currently, it is underwater by about $100K...As their realtor, I was proactive and called TCF to get the SS packet- Everything is filled out, house is listed and we are pricing it aggressively to attract a buyer... In the meantime, TCF Bank has been strong-arming (I am being polite here) both of my clients to keep the home and to make payments- They are bad mouthing not only me, their realtor, but they are bad-mouthing their own short sale dept which said they do not want to hear from us again until there is an offer on the table. I tried talking to the VP of the local short sale dept and it is like talking to a rude collection agent- Why does the TCF short sale department call us their enemies? The guy told me he "despises" realtors!!! My clients have no other choice but to file BK in the event this VP blocks the short sale like he said he is going to do.... This is an epidemic I continually hear from fellow agents regarding TCF Bank- As a side note, I really think they are violating the Fair Debt Collections Act although an attorney pointed out that the Act only applies to 3rd party collections-? The last short sale I was involved with for TCF ultimately closed but in the very end of negotiations, TCF only allowed a 2% total commission for the agents to spit- Hardly enough to compensate for all the time we put in selling their non-performing asset... I usually do not take on TCF files for the reasons I mentioned above but I am willing to finish out this file if I can locate a TCF higher-up who is willing to approve a short sale- My clients are willing to make a contribution as they have not paid their mortgage for 3 months, however, TCF is in the process of speeding up the foreclosure time-line just to "screw" with the sellers as the VP said he was going to do-

      Any help w/ this file would be appreciated-

      • Carmine R Biello Jr > Denise Orrico July 18, 2012 at 9:37am

        Hi Denise,

         

        I sent you a friend request. I can connect you with the decision maker and I am talking the decision maker. Accept it and I will be happy to do what I can to help you get to the right person.

        Thank you for reaching out!

        Most Sincerely,

        Carmine R Biello Jr.

         

         

    • dave > Carmine R Biello Jr July 16, 2012 at 11:21am

      Carmine,

       

      Thank you for your interest . I could meet with you at your office the next time you are in Michigan.

      Let me know.

      Thanks,

      Dave

       

  • Paddy Deighan, Esq July 15, 2012 at 7:18pm

    TCF is tough to work with but if you put enough legal pressure on them, you can get a short sale approved....

    Paddy Deighan Esq

  • Dan Hawkins July 15, 2012 at 12:00pm
    Where is your property if in california I can help my website is www.fresnocashortsalespecialist.
    com dan@realtyconcepts.com email me
    Thanks
    Dan Hawkins CDPE, SFR
    • dave > Dan Hawkins July 16, 2012 at 12:31am

      Thanks Dan- unfortunately, I'm in Michigan

  • alisa hagner July 15, 2012 at 10:16am

    Do you want to stay or move?  You can refi with certain loan programs depending on your situation, if you rather stay. You can rent, or you can short sale.  Do you know what type of loan you have?  I would guess that it is a portfolio loan held by TCF.  YOu can use the fanie freddie loan look up tools. http://www.fanniemae.com/loanlookup/  https://ww3.freddiemac.com/corporate/  If you'd like to learn more visit http://www.makinghomeaffordable.gov/programs/exit-gracefully/Pages/...

    Alisa in Denver

    • dave > alisa hagner July 16, 2012 at 12:30am

      Thank you Alisa. I'll check it out.

  • Carmine R Biello Jr July 15, 2012 at 7:45am

    Hi Dave,

    I am dealing with TCF and they are not easy at all, however, they will still do shortsales.  The file I have with them is  with their legal dept and I communicate with their counsel a few times a week. Decisions are made fast and results are proven.  I can help you. my email is shortsale@tropicaldreamrealty.com Best of Luck.  Carmine

     

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