Ann Howard
  • Female
  • San Diego, CA
  • United States
  • California
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Ann Howard's Discussions

Bank of America now is sending letters......Mortgage to Lease

Started this discussion. Last reply by Wayne Brooks Nov 26, 2012. 5 Replies

Looks like B of A is now sending out letters for Mortgage to Lease.They will forgive the debt and the Seller gets to stay in the home at a reduced rent.There are conditions of course, but it is out…Continue

Tags: Short, Sale, Alternatives, America, of

 

Ann Howard's Page

Latest Activity

Ann Howard replied to Enrique Vasquez-Plaza's discussion Coop Short SAle with BOA --Questions 4/4/2014 in the group Bank of America Short Sales
"I had a transaction that had a lien and the lenders refused to pay, the Buyer paid in my case as the Seller had no funds. Your commission will most likely not be raised because of the dual agency,(anyway you can have another agent write the offer…"
Apr 4, 2014
Ann Howard replied to johnna lodge's discussion need help on canceling listing agreement but still working with boa on short sale in the group Bank of America Short Sales
"Yes, they have it posted on their site and all the forms needed are there too. Good luck to you and your clients."
Feb 13, 2014
Ann Howard replied to johnna lodge's discussion need help on canceling listing agreement but still working with boa on short sale in the group Bank of America Short Sales
"You should call their customer care center, they may want the Sellers to call, I am thinking you would have to send them over all the disclosures and listing information with the new brokerage as well as sending over their form where the Seller…"
Feb 13, 2014
Ann Howard replied to Stephanie Yonai's discussion BOA FHA Short sale in the group Bank of America Short Sales
"I would ask to speak with their supervisor if they were unwilling to tell you why. If they had a qualified hardship it doesn't make sense."
Nov 14, 2013
Ann Howard commented on Wendy Rulnick's group Bank of America Short Sales
"They should be able to stop the sale if you have an offer. In California you can stop the sale up to 5 days prior to auction. Have you called customer service? There should be a supervisor to speak with. Seems to me unless the offer is a low ball,…"
Oct 11, 2013
Ann Howard replied to Elizabeth Nance's discussion Limited Agency Changes for FHA HUD Short Sales
"The thing with dual agency is that it can be two different agents but if they are in the same office or under the same company brokerage it would have applied, as it would be a dual agency. Thank goodness they removed the clause."
Sep 29, 2013
Ann Howard replied to Elizabeth Nance's discussion Limited Agency Changes for FHA HUD Short Sales
"Yes I got the letter as well and right after got an email from NAR: HUD reported to NAR that they will reissue the July Mortgagee Letter and remove all dual agency language (Part Three of the PFS Participation Requirements). The result is that the…"
Sep 29, 2013
Ann Howard replied to Jeff Payne's discussion Banks manipulating appraisals?
"They would still have to be properties in the same location, size, and condition, and other factors. If they have information that shows the condition of the subject property compared to the condition of the comps how could they justify the price…"
Jul 31, 2013
Ann Howard replied to Sharon Burgos's discussion Advice needed on short sale & dual agency
"Thank you for sharing the new guideline coming in October 2013. With the new guideline of the agent only having one role in the transaction it may be problematic, that would also be brokerage in my thinking, not just agent. They may…"
Jul 28, 2013
Ann Howard replied to Sharon Burgos's discussion Advice needed on short sale & dual agency
"As long as it is allowed in your state and you have disclosed it to all parties there shouldn't be a problem. An advantage would be that you would have total control on your end, disadvantage is you may get the commission cut. They came to you…"
Jul 28, 2013
Ann Howard replied to Jeff Payne's discussion Banks manipulating appraisals?
"Wow, never heard that before. That appraiser could (and should) loose their license and the Bank should be reported to the Feds, it's influencing the appraisal and against the law. Greed pure and simple. Greed on the part of the appraiser…"
Jul 28, 2013
Ann Howard replied to Melissa Schneider's discussion BofA approves short sale .. wont turn water on in the group Bank of America Short Sales
"Your agent should contact the Listing Agent and that agent needs to get a hold of the negotiator. The listing agent may not know the circumstances and assume you can turn the utilities on.  "
Jul 18, 2013
Ann Howard commented on Wendy Rulnick's group Bank of America Short Sales
"This is a standard form from Bank of America letting everyone know they are not the property owner but the servicer or mortgage lien holder. If they approve the short sale the commission will be paid."
Jul 11, 2013
Ann Howard posted a status
"B of A is now doing FHA loans through the equator system."
Jul 8, 2013
Ann Howard replied to Pamela Walsh's discussion Home Tender / Tenant in Freddie Mac Short Sale in the group Bank of America Short Sales
"That would be a dream, not a hindrance. The property is taken care of while it's on the market and should make your sale a lot easier."
Jun 28, 2013
Ann Howard replied to Staci's discussion Has anyone done a short sale without Hardship???? in the group Bank of America Short Sales
"Without a hardship, she will not qualify for a short sale unless she can show financial hardship. Maybe she could work with her lender and see if they can modify the loan. The way her lender will look at it now, she has been making her payments, and…"
Jun 14, 2013

Profile Information

First Name
Ann
Last Name
Howard
Are you a...
Agent
State
California
City
San Diego
My Profile
I work for Century 21 Award in La Mesa and service La Mesa, San Diego, Spring Valley, Lemon Grove, El Cajon, Lakeside and Ramona.
I have been a realtor for over 13 years and have been successful in closing short sale listings, have not failed in any to date. I fight hard for my clients.
There are changes happening every day in real estate and find that the best tool is knowledge.
Helping Sellers either sell their home or Buyers purchasing and making it as smooth a transaction as possible is my goal.

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