Debi Braulik
  • WA
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Debi Braulik's Page

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Debi Braulik joined Bill Black's group
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Seterus (LBPS)

IBM put 1.3 Billion into this arm of the business... let's see how productive that was?See More
Oct 17, 2014
Brett Goldsmith replied to Debi Braulik's discussion Divorce, Bankruptcy, and FHA - Oh My! What a fiasco! in the group FHA - HUD Short Sales
"From what i've been advised if the credit score is above 580 they need to accept the modification as an opt out letter won't suffice. If it was below 580 they likely could write the opt out letter. If they accepted the modification and…"
Jul 29, 2014
Scott replied to Debi Braulik's discussion Divorce, Bankruptcy, and FHA - Oh My! What a fiasco! in the group FHA - HUD Short Sales
"I've been through this revolving door 4 times in the past month on 4 different files.  I'm constantly being fed different answers.  I've been told that if the score exceeds 620, then they are not eligible for a short…"
Jul 29, 2014
Donna Paul replied to Debi Braulik's discussion Divorce, Bankruptcy, and FHA - Oh My! What a fiasco! in the group FHA - HUD Short Sales
"I'm in the middle of a short sale like this...the court ordered the short sale since the clients were getting a divorce..if possible could you get the judge that gave them the divorce order a short sale. Wishing you all the best on this one..."
Jul 2, 2014
Thom Colby CA Brkr 888-391-5245 replied to Debi Braulik's discussion Divorce, Bankruptcy, and FHA - Oh My! What a fiasco! in the group FHA - HUD Short Sales
"Same thing happened to a good friend of mine - the only way out for her was to file BK also :-("
Jul 1, 2014
Kevin - Greenville, SC replied to Debi Braulik's discussion Divorce, Bankruptcy, and FHA - Oh My! What a fiasco! in the group FHA - HUD Short Sales
"has she defaulted on the mod payment? have you asked M&T to submit a variance request to HUD?"
Jul 1, 2014
Debi Braulik added a discussion to the group FHA - HUD Short Sales
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Divorce, Bankruptcy, and FHA - Oh My! What a fiasco!

House was purchased by husband and wife in 2007 with FHA loan.  Husband and wife divorced in January 2014. Husband filed Ch 7 Bankruptcy February 2014. BK is discharged. Listed it for sale in January. Got offer on it in March.From January to June 17th it was with M&T Bank's "Review for Retention" department. They came back with a verdict to retain. Wife has a income of $3500 per month and they want her to do a trial Loan Mod with a mortgage payment of $1425 per month.  Supervisor John at…See More
Jul 1, 2014
Debi Braulik joined Stephanie Lim's group
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FHA - HUD Short Sales

HUD rules for FHA short sales, tips, experiences, etc.Fax LOA:  918-236-3274PH 877 622-8525See More
Jul 1, 2014
Debi Braulik replied to Valerie Hernandez's discussion WF short sale not moving in the group Wells Fargo Short Sales
"I was where you are at Jan 23rd... and we are still waiting.  The office of the VP said to me- "Not every one is entitled to a short sale. We don't just approve everyone."  I think this is their new mantra and they are…"
May 5, 2014
Dean E Eshelman, CPA, CDPE, IRES replied to Debi Braulik's discussion BK from 3 years ago- attempting short sale since 8/2013. Now they ask for this... in the group Wells Fargo Short Sales
"I would do as Kathleen said. Tell them it is a BK and they are not permitted to ask for any financials since the debt was discharged. Further the IRS Guidelines clearly state "These Standards are effective on April 1, 2013 for purposes of…"
Mar 21, 2014
Kathleen Zito replied to Debi Braulik's discussion BK from 3 years ago- attempting short sale since 8/2013. Now they ask for this... in the group Wells Fargo Short Sales
"Hi Debi Wells can be difficult, took me 5 months on their last approval, BUT they are giving my seller $43,000 for relocation costs.....NO, I did not add any extra zeroes. Just opened a new file with them, sellers also discharged in BK.  I sent…"
Mar 21, 2014
Debi Braulik replied to Debi Braulik's discussion BK from 3 years ago- attempting short sale since 8/2013. Now they ask for this... in the group Wells Fargo Short Sales
"I just got an update from Adam when I asked why. He said "It’s a part of our investor guidelines that we request these documents in order to move forward with the review."  This is an FHA loan. I (my sellers) have NEVER been…"
Mar 21, 2014
Debi Braulik replied to Debi Braulik's discussion BK from 3 years ago- attempting short sale since 8/2013. Now they ask for this... in the group Wells Fargo Short Sales
"They have the BK paperwork. We even had to have the seller's attorney write a letter saying it was ok to talk to WF about a short sale. WF made that letter mandatory even before they would begin to talk to us. "
Mar 21, 2014
John Treadwell replied to Debi Braulik's discussion BK from 3 years ago- attempting short sale since 8/2013. Now they ask for this... in the group Wells Fargo Short Sales
"Send them the BK discharge and tell all info before BK is now voided ,client no longer have it"
Mar 21, 2014
Debi Braulik added a discussion to the group Wells Fargo Short Sales
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BK from 32 years ago- attempting short sale since 8/2013. Now they ask for this...

I have a client who declared Ch 7 BK nearly 3 years ago. We are attempting to get them off title so they can move on.  We initiated the short sale back on 8/02/2013. All along we have been getting them information as they have asked for it. Today we got this response. Seems highly intrusive - especially since the BK. Every other BK I have negotiated the BK paperwork trumped the other paperwork.  I have never been asked to provide such information/documentation- since 2008! What do you guys…See More
Mar 21, 2014
Debi Braulik joined Jason Yacoub's group
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M&T Bank

M&T Bank  Short Sale Home Assistance deptseller must call 800-724-1633 for financial interview for House hold income and expenses Fax third party authorization first to 716-848-3748See More
Jan 29, 2014

Profile Information

First Name
Debi
Last Name
Braulik
State
WA
City
Federal Way
My Profile
Realtor & Short sale negotiator in King and Pierce County in WA State.

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