Jeff Payne
  • Male
  • Panama City, FL
  • United States
  • Panama City, Panama City Beach
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Jeff Payne's Page

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Craig Bartels joined Jeff Payne's group

US Bank

US Bank services Florida Housing loansPh#: 1-800-365-7900Fx#: 1-866-563-9508See More
Tony and Robin Pickett commented on Jeff Payne's group US Bank
"Kevin, Just spoke with the HUD/FHA.  Seems like they got the file moving again, but still just no sense of urgency.  There's really no accountability for any deadlines. "
Nov 18
Kevin - Greenville, SC commented on Jeff Payne's group US Bank
"Tony and Robin, Do mess w/escalating to US Bank. They don't care. Wait for FHA."
Nov 18
Tony and Robin Pickett commented on Jeff Payne's group US Bank
"Does anyone have a good USBank escalation person or manager.  I won't even go into the details but I have a file that needs attention.  Offer meets all the HUD requirements and is spinning around.  Lost the last offer. …"
Nov 18
Wendy Rulnick commented on Jeff Payne's group US Bank
"Is there an official U.S. Bank authorization? I don't see one in the PDF above.  Can you email it to me at  Thank you!"
Nov 13
Jeff Payne replied to Bryan Firth's discussion Negotiating a short sale, practicing law?
"Brian I agree!  If a short sale is a "headache" then why would the attorney want to take on the negotiation.  A good short sale agent can and will have a better success rate than an attorney will any day"
Nov 10
Jeff Payne commented on Wendy Rulnick's group Chase
"Are you the buyer agent or listing agent?"
Nov 5
Jeff Payne commented on Wendy Rulnick's group Chase
"Looks like if the sellers want to sell, they should pay the fee.  No sense trying to get Chase to pay it if the sellers hired the negotiator. "
Nov 5
Jeff Payne commented on Wendy Rulnick's group Chase
"I agree with Tony, looks like the seller side needs to eat this, most likely the person who negotiated the short sale.  "
Nov 5
Jeff Payne commented on Wendy Rulnick's group Chase
"So chase is saying they wont allow the buyer to pay the negotiators fee?  The buyers lender financing the fee?  Still not understanding, sorry."
Nov 5
Jeff Payne commented on Wendy Rulnick's group Chase
"I am confused now. How much are you asking for the seller to pay for buyer ?  "
Nov 5
Jeff Payne commented on Wendy Rulnick's group Chase
"Tony, it can be depending.... so if I hire an attorney to review my contracts it has to be on the HUD?  "
Nov 5
Jeff Payne commented on Wendy Rulnick's group Chase
"Take the neg fee off the HUD and have them pay it outside of closing."
Nov 5
Jeff Payne commented on Wendy Rulnick's group Chase
"Marcia they are now seeing that there are seller concessions (probably overlooked it) and they wont allow the fees for a negotiator if there are seller concessions. Just my guess... they are not seeing the entire picture "
Nov 5
Jeff Payne replied to Wendy J Thomas's discussion HUD 1 Generator Forms or Software
Nov 5
Jeff Payne replied to Neil L.'s discussion New 15 Day FHA requirement, HOW? in the group Bank of America Short Sales
"Jim the banks dont trust their vendors either, that is why they have such a turnover with vendors.  Heck the banks dont trust their own employees"
Oct 30

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Panama City, Panama City Beach
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The Payne Group is the top short sale agent in Panama City and the Beaches. We have a dedicated team to work for YOU!

Comment Wall (18 comments)

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At 3:50pm on October 7, 2013, ike said…

hI  Jeff  , I am interested in doing some deals with Selene Finance

do you have any contacts for N.Y BPO's

At 11:19am on May 9, 2012, sofy bark said…
Hi jeff did you get my mail
At 5:20pm on April 9, 2012, Warren Bonett said…

I have a buyer that wants to rent the property from the seller while we are waiting for the short sale to be approved. Lender hasn't asked for an ALT affidavit to be signed yet but in the event they do, would this be considered a violation of that affidavit since there is a separate agreement between buyer and seller outside of the contract for sale and purchase?  Thoughts?

At 7:05pm on March 16, 2012, Jayne Sanders said…


Do you have any high level contacts at Saxon..I have beed escalated 3X with no response and of course I can not get a name, extension or email address..

At 1:26pm on March 12, 2012, sofy bark said…

so once the seller sign the backup offer the agent has to do the equator? and hows about if the bank see that i'm offering higher then the actual buyer....or maybe the bank doesn't care...

At 1:18pm on March 12, 2012, sofy bark said…

please enlighten me what is a soft declined short sale?

At 11:42am on March 12, 2012, sofy bark said…
I daid i do not understand why they do not go to the backup offer once the first was rejected
At 1:12pm on February 29, 2012, Gunna Voigt said…



I have a transaction that was supposed to close today.  It's a HAFA transactiion.  It's in the Equator system for closing today, but I cannot reach (for 5 days alreaaady) anybody.  The buyer's down payment assistance and closing cost assistance expired yesterday, but we could close today. Her mortgage has been approved since last Thursday.  She is s single mom with 3 kids and will be homeless.  I have no phone number for the closing department at BofA, only email.  What can I do to light a fire under them, who could I call?

At 4:15pm on January 23, 2012, Jeff Rubenstein said…

Glad to be here.  Looking forward to connecting with the group.  That attorney was a real piece of work.  LOL

At 10:18am on August 28, 2011, Mike Sher said…

Jeff, in regards to your EMC Short sale with MGIC as the MI company.  You reported that the seller had to sign prom note for $14,500, $100 per month as per MGIC.  My file is a 5/3 with freddie as the investor and MGIC for the PMI company.  Got an offer of $102,000.  Current balance of loan is $140,000 5/3 BPO came back at $86,000 which I knew was low.  5/3 said we need an offer of $86,000 to make this work because the negotiator thought we would not be able to get the home appraised. Also since the homeowner was making payments she would be required to make some sort of contribution.  To minimize the deficiency we got the buyer to get their appraisal done now and it came back at $104,000 :).  I told 5/3 to send the file in the $102,000 and that we would be able to close.  I also asked her to put ion a good word for us since we were able to get them $16,000 more then their BPO allowed.  Well they came back after 30 days with MGIC asking for $5000 cash from the seller and a $25000 prom note for 180 months.

Question?  Did you counter MGIC and what did they counter back at?  Sorry about the long post.  BTW my clients hardship is that her home in Michigan and she move to Caroline with her soon to be husband.  5/3 called that a elective move, Guess Love is not what is used to be!!  Thanks  Mike


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