Karen Ruffin
  • Alabama
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Karen Ruffin's Discussions


Started this discussion. Last reply by Patricia Bravo Dec 7, 2012. 7 Replies

Has anyone worked with LRC a 3rd party for BOA. They are a joke......They are so complicated and know nothing about equator. Today I get a message offer currently in review. What offer??? I havent…Continue


Karen Ruffin's Page

Latest Activity

Kim Stephens replied to Karen Ruffin's discussion escalation contact needed in the group Cenlar
"Did you ever get resolution regarding your short sale with Cenlar? I am just starting one with them and I am already frustrated. Can you tell me where I can find their short sale package?"
Aug 20, 2013
Karen Ruffin replied to michael bellamy's discussion Property Sold by Clerk of Court before the scheduled sale date in the group Bank of America Short Sales
"In my state alabama I had the foreclosure rescinded. It took about 2 months"
Mar 26, 2013
Stenya Dautrich replied to Karen Ruffin's discussion escalation contact needed in the group Cenlar
"I am having the same trouble.... can anyone help???!!!"
Mar 14, 2013
Karen Ruffin replied to Travis Harris's discussion HSBC Short Sale Approval letter in 3 days! WOW!
"Can I get an escalation contact? I been leaving messages for this Maurice Jordan for 3 days now he will not return my call"
Dec 19, 2012
Karen Ruffin commented on Wendy Rulnick's group Bank of America Short Sales
"I think its best to just do traditional. They dont really be trying to give incentives thats why they drag their feet. Transfer to new servicer is their game plan to not pay out. You see how robo signing went away real fast."
Dec 18, 2012
Mike Rosania replied to Karen Ruffin's discussion LRC
"That is unbelievable. I have 2 files that are now being handled by LRC and I was never informed of any fees!! Funny thing is I initiated in Equator and both times they were deleted(purged out) and told me that was normal and that as long as they can…"
Dec 7, 2012
Joyce Shafer replied to Karen Ruffin's discussion LRC
"Be careful with LRC; when I asked Fannie Mae to escalate a short sale that had begun with SunTrust (who stonewalled us for 3 months then let me know that the loan servicing had been sold and would be transferred at the end of the month, so would do…"
Dec 6, 2012
Kevin - Greenville, SC replied to Karen Ruffin's discussion LRC
Dec 5, 2012
Karen Mathers replied to Karen Ruffin's discussion LRC
"Processing the file might be the same as BOA but they are charging the Realtors to negotiate the file?  They did not list the property, they did not show the property, they did not run and get paperwork from the seller every time it was asked…"
Dec 5, 2012
Karen Ruffin shared their discussion on Facebook
Dec 3, 2012
Karen Ruffin shared their discussion on Twitter
Dec 3, 2012
Karen Ruffin shared their discussion on Twitter
Dec 3, 2012
Karen Ruffin added a discussion to the group Cenlar

escalation contact needed

Does anyone have an escalation contact for Cenlar. I have a short sale that one of their negotiators refuse to respond.See More
Dec 3, 2012
Karen Ruffin joined Jonathan Osman's group


Cenlar services for former Taylor, Bean & Whitaker Mortgage Corp filesAuthorization Letter: 609-718-4889 Short Sale Packages: 609-718-4851 Customer Service: 866-430-9689See More
Dec 3, 2012
Brett Goldsmith replied to Karen Ruffin's discussion LRC
"Karen,         Loan Resolution Corporation(LRC) is a 3rd party vendor used by BOA . Typically LRC processes HAFA short sales, but they process traditional short sales as well. Processing a file at LRC is identical…"
Oct 29, 2012
Karen Ruffin shared their discussion on Twitter
Oct 29, 2012

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CELL: (256) 497-9430 EFAX: (866) 543-4890

I am an experienced Real Estate Professional in the North Alabama area market.

I am a licensed Realtor. I specialize in representing my clients in the purchase and sale of single-family residences and income property within the cities of Huntsville, Madison, Hampton Cove, Bailey Cove, Decatur, Toney, New Market, Merdianville, and Harvest. I truly love this area and pride myself on my knowledge of current transactions, school districts, neighborhood information, and related services, including mortgage, insurance and inspection information. I am a customer driven Realtor dedicated to achieving results and providing exceptional service. If you are in the market to buy or sell a home, I will put my years of real estate expertise to work for you!
*Marketing new homes
*Resale of existing homes
*Representing sellers of REO (real estate owned) properties, such as mortgage companies & banks
*Selling single family homes as investment
*Relocation services for incoming and outgoing clients
*Estate sales
*Buyer and seller representation for seniors
*Buyer representation for first time buyers
*Buyer representation for new construction
*Buyer and Seller representation for local movers
I can help you market and sell your home in the least amount of time and for top market value. Put my experience and dedication to work for you.
Professional Experience:
2007-2009 Exit Realty of the Valley, Realtor, Madison, AL 35758
2009-present Keller Williams Realty Madison, Associate Broker, ABR, SFR, Madison, Al 35758
2011 Titanium Solutions, Home Retention Specialist, Fort Mill, SC
Certifications and Recognitions
• REALTOR® certification
• (SFR) Short Sale and Foreclose Resource March 2009
• Multi-Million $ Producer
• (ABR) Accredited Buyer Specialist March 2009
• Graduate of National School of Real Estate Dec 2006
• Associate Broker Sept 2011
• (CDPE) Certified Distressed Property Expert Nov 2011
• 3RD Quarter Outstanding Customer Service Award (Regional)
• Home Retention Consultant for Titanium Solutions
• BPO Valuator

I have a growing relationship with Wells Fargo, Bank of America, Nation Star Mortgage, & Chase for listing and selling distressed properties as a short sale within 30 days. I have been very successful with negotiations from beginning to end.

My business model focuses on selling my inventory quickly at market value cost by properly educating my sellers and buyers in their affordable range. I direct market expired, withdrawn, For Sale By Owners, distressed properties by internet with global exposure on over 365 different real estate website some to include social networking for Google, Facebook, & Twitter just to name a few. All offers are presented within 24 hours of receiving them. I provide BPO reporting w/ digital color photos, 24 hour turn-around time for drive-by inspection and/or exterior with some same day occupancy check.

Every listing is saleable when price at or below market value with my aggressive approach to see results. I aim not to place properties on the market to sit but be moved. I monitor my listings and activities every 3 weeks in order to see market value on the 4th week to monitor price reductions according until traffic is improved.

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