Esperanza Agbayani
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Esperanza Agbayani's Discussions

North Star Interest Only ARM Loan Maturing still underwater

Started this discussion. Last reply by Brett Goldsmith Jan 21. 1 Reply

HiI have a VA widow with 3 jobs and caregiving a disabled niece at her house to make ends meet. Her loan is 706K but her home is only $690K Market Value. Can she still do a loan mod? She tried to…Continue

Seller wants to sell home with Active Loan Modification with Bank of America

Started this discussion. Last reply by Esperanza Agbayani Nov 4, 2016. 2 Replies

I have a seller who is presently in Loan Modification from her original loan with Bank of America. Loan balance at that time was 800K and was down to 404K now. What will be the pay off? It is now…Continue

Chase as Jr Lien and only one short sale

Started this discussion. Last reply by Jorge Vega May 6, 2014. 3 Replies

Have a Heloc Chase that we submitted for short sale. They cannot find any record of it. 2 years ago seller accepted a $0 payoff from the recovery department and sent them a letter of acceptance but…Continue

Utility Bills and more, will OCWEN pay off in short sale

Started this discussion. Last reply by Smitty Mar 13, 2014. 3 Replies

With the up market, SS clients are getting more equity. At an offer price of $330K OCWEN, first lien is paid off $250,000 and has more left before paying CHASE ($150K) ,will the utility bills from…Continue

 

Esperanza Agbayani's Page

Latest Activity

Esperanza Agbayani replied to Esperanza Agbayani's discussion Seller wants to sell home with Active Loan Modification with Bank of America
"Thank you., Borrower have been late but less than 30 days each time. Mortgage is still current.  We are planning to fix it to be able to sell it higher. Thinking seller will get the equity to move on. "
Nov 4, 2016
Brett Goldsmith replied to Esperanza Agbayani's discussion Seller wants to sell home with Active Loan Modification with Bank of America
"It depends if the balance was forgiven or simply deferred. You'll find out when you get the payoff or look at the modification approval the borrower received previously. If the property has gone up in value and it's still under, it'd…"
Nov 4, 2016
Esperanza Agbayani posted a discussion

Seller wants to sell home with Active Loan Modification with Bank of America

I have a seller who is presently in Loan Modification from her original loan with Bank of America. Loan balance at that time was 800K and was down to 404K now. What will be the pay off? It is now assigned to another company and she called to request a written payoff demand. If property has gone up in value and now attain a higher equity but sill under water, what does the lender usually do? There was a refi, cash out. See More
Nov 4, 2016
Esperanza Agbayani commented on Wendy Rulnick's group Wells Fargo Short Sales
"Hi Everyone! Whew! I finally closed the story on these clients who originally has a loan mod program with B of A and when we listed it last January, the second showed up! So, the 2nd TD was included in their BK but it is still tied to the property.…"
Jul 27, 2016
Esperanza Agbayani commented on Wendy Rulnick's group Wells Fargo Short Sales
"For now, Owners are working a settlement with the 2nd which is United Guarantee. I thought the 80/20 loan originators were penalized and offered principal reduction from the lender like BofA,"
Mar 1, 2016
Esperanza Agbayani commented on Wendy Rulnick's group Wells Fargo Short Sales
"Title finally got payoff after 3 weeks when BofA sent thier payoff on 1st TD and copy of print out showing 2nd was pruged from their system and advised to wait for a recon. Instead, Title got a new payoff from United Guaranty. "
Mar 1, 2016
Esperanza Agbayani commented on Wendy Rulnick's group Wells Fargo Short Sales
"2nd Payoff came from UNITED GUARANTY and mailed to lockbox at: Wells Fargo Bank Attn: United Guaranty Lockbox 601860 1525 West W.T. Harris Blvd., 2C2 Charlotte, NC 28262…"
Mar 1, 2016
Esperanza Agbayani commented on Wendy Rulnick's group Wells Fargo Short Sales
"Thank you Brett and Brian, So even if loan is purchase money with BofA as 80/20? BofA did a HAMP loan mod in 2013 reset loan to 40 yrs plus lates/fees 420K became 490K? And 2nd never sent notice it was sold to them nor did BofA. Owners assumed the…"
Mar 1, 2016
Esperanza Agbayani commented on Wendy Rulnick's group Wells Fargo Short Sales
"HI Brett, the second is a private lender who bought it from BofA. Original is $102K and now sent a payoff in escrow for $155K including back interest and fees! I think there is somehow "not right" that BofA did when they approved the loan…"
Feb 29, 2016
Esperanza Agbayani commented on Wendy Rulnick's group Wells Fargo Short Sales
"Listed a property with Loan Modification with Bank of America. Sellers had a 1st and 2nd with BofA. When they applied for loan mod, the second was not included since their lawyer included it in their BK believing it will be wiped out.  Now we…"
Feb 29, 2016
Jorge Vega replied to Esperanza Agbayani's discussion Chase as Jr Lien and only one short sale
"You should speak with the recovery Dept and go from there, even if the loan was forgiven, or possibly even sold they should have record of it and should be able to locate the loan in their system with either the borrowers social, property address,…"
May 6, 2014
Wayne Brooks replied to Esperanza Agbayani's discussion Chase as Jr Lien and only one short sale
"I assume you checked the county records for a satisfaction/reconveyance?"
May 3, 2014
Brett Goldsmith replied to Esperanza Agbayani's discussion Chase as Jr Lien and only one short sale
"I'd be opening a case with the executive office in order to get an analyst assigned for assistance into this matter. Have you spoken to any managers in the Chase Recovery Department? Brett@ishortsalenow.com 310-564-6389 www.ishortsalenow.com"
May 2, 2014
Esperanza Agbayani posted a discussion

Chase as Jr Lien and only one short sale

Have a Heloc Chase that we submitted for short sale. They cannot find any record of it. 2 years ago seller accepted a $0 payoff from the recovery department and sent them a letter of acceptance but never got a reconveyance. title nor short sale department cannot find this loan in their system.Seller tried to call a chase number but disconnected.Is there a number I can use to call them with the seller?See More
May 2, 2014
Sharon Vest left a comment for Esperanza Agbayani
"If you call them they will give you the information you need.  Every bank has a different set of requirements.  Some requirements are universal but you will need to contact them for the specifics."
Apr 28, 2014
Esperanza Agbayani replied to Sharon Vest's discussion Expediting a HELOC Short Sale in the group Chase
"HI Sharon,  Am about to submit a SS Heloc (2nd ) with Chase. Can you give me the information where you sent your application packet. Is it a Short Sale appliacation? "
Apr 25, 2014

Profile Information

First Name
Esperanza
Last Name
Agbayani
Are you a...
Agent
State
CA
City
Fremont
My Profile
Certified HAFA Short Sale Specialist
Real Estate Licensed since 1988
Past Loan processor, Loan Agent wholesale and retail, residential real estate agent
GRI 1995
Transnational Referral Certified
www.EspieRealty.com

Aiming to make it at ease!

Esperanza Agbayani's Blog

Short Sale with Chase so far so good..just follow the brick road

Posted on July 30, 2012 at 3:55pm 1 Comment

I listed a short sale with 2 loans serviced by Chase. CLTV is LESS that 50% of market value. Submitted a CASH buyer and assigned a negotiator in less than 3 weeks. Today, he is submitting my package to the investor. 

We'll see...NOD in May 2012 but nothing posted in public record. Negotiating to include payoff to release an abstract of judgement from a deceased husband over a year ago. 

Scheduled to close AUGUST 30. 

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At 10:20am on April 28, 2014, Sharon Vest said…

If you call them they will give you the information you need.  Every bank has a different set of requirements.  Some requirements are universal but you will need to contact them for the specifics.

 
 
 

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