Karin Christa
  • Female
  • Encino, CA
  • United States
  • California
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Latest Activity

Karin Christa commented on Wendy Rulnick's group Short Sale Referrals
"I joined several years ago, never received a referral, there is another group, so I apologize if I confused this group with the SS Network. I paid $300.00 and still after 5 years never received one referral.  "
Dec 5, 2014
Nolberto replied to Karin Christa's discussion Ocwen claims no loan Modication if someone had a HAMP prior in the group OCWEN
"Karin, You may check at the guidelines here (pages 69 thru-72)  Let me share that under the following provision; Previous HAMP Tier 1 permanent modification A mortgage loan on which the borrower lost good standing under a HAMP Tier 1…"
Jan 8, 2014
Karin Christa replied to Karin Christa's discussion Ocwen claims no loan Modication if someone had a HAMP prior in the group OCWEN
"thank you Dean. I am also non-profit since they are family and I completed their prior loan mod. Plus I do have some experience as we all are over the past few years. But I thank you and will use your recommendation and advise."
Jan 8, 2014
Karin Christa replied to Karin Christa's discussion Ocwen claims no loan Modication if someone had a HAMP prior in the group OCWEN
"thank you Patsy."
Jan 8, 2014
Karin Christa replied to Karin Christa's discussion Ocwen claims no loan Modication if someone had a HAMP prior in the group OCWEN
"thank you Nolberto - I will try to go that route."
Jan 8, 2014
Dean E Eshelman, CPA, CDPE, IRES replied to Karin Christa's discussion Ocwen claims no loan Modication if someone had a HAMP prior in the group OCWEN
Jan 8, 2014
Dean E Eshelman, CPA, CDPE, IRES replied to Karin Christa's discussion Ocwen claims no loan Modication if someone had a HAMP prior in the group OCWEN
"After one year and/ or a change in circumstances, a complete loss of income, homeowner can reapply for a modification. Yes they can apply under HAMP. If that is denied their are internal modifications. Given the recent settlement with Ocwen, which…"
Jan 8, 2014
Nolberto replied to Karin Christa's discussion Ocwen claims no loan Modication if someone had a HAMP prior in the group OCWEN
"Karin, You may want to check what is the interest rate on that MOD. Now, if it was 2% there is not much what you can do. Now if it was a streamline one of 5 or 6 % she could apply with the NACA…"
Jan 8, 2014
Patsy Clevenger replied to Karin Christa's discussion Ocwen claims no loan Modication if someone had a HAMP prior in the group OCWEN
"They can apply again for a modification, they wont get HAMP if they already are on a HAMP but OCWEN can do an in house.  I can tell you the process is a pain in the butt.  All the stars in the universe have to align for them to do it, you…"
Jan 8, 2014
Karin Christa added a discussion to the group OCWEN
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Ocwen claims no loan Modication if someone had a HAMP prior

My client had a loan modification 2.5 years ago, she is a principal in a private school, paycheck verification. Her husband lost his business 3 years ago and is a stay at home Dad as they can not afford child care for two small children. She is the sole provider, Ocwen did a loan mod 2.5 years ago at  $100.00 less per month.  At a time when the husband still had some income.If anyone can shed some light on this please reply.See More
Jan 8, 2014
Karin Christa added a discussion to the group Union Bank
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Anyone having negative feed back about Union Bank?

We processed a short sale several months ago, both liens with Union Bank. Seller insisted that her primary property was free of liens, and we were short selling her income town home. The title profile listed a 2nd lien for the primary property (in other words, she had a note secured by her primary property to purchase the income property. Seller insisted that her primary was free and clear and both liens were with her income property. We submitted a short sale transaction, allowing 3K towards…See More
Jul 9, 2013
Karin Christa replied to Linda Siemen's discussion Wells Fargo short sale HELP in the group Wells Fargo Short Sales
"Linda, refer to the foreclosure document. Fax your offer along with the approval letter to the trustee sales office it's usually the attorney.  That always helped me in the past. Bypass the cookie cutter staff within WF. Karin"
Apr 14, 2013
Karin Christa replied to Al Vallecilla's discussion Bayview & BOA HAFA fiasco in the group HAFA - Home Affordable Foreclosure Alternative
"The very same thing has happen to me - BOA transferred to Bayview, got it approved with HAFA had to remove the relocation allowance, BPO came in lower than buyers offer. Now the 2nd lien holder SLS (the worst) wanted 12,325. instead of the 8500. BOA…"
Apr 6, 2013
Karin Christa replied to Keji Ogunleye's discussion Specialized Loan requesting payment before adjusting approval letter in the group Specialized Loan Services LLC
"yes it is happening to me right now. The first is with Bayview they approved it with 10% to the 2nd SLS - agents offered to pay the difference of 3825, that SLS is demanding. We put it all onthe hUD, but the primary has to follow HAFA rules and need…"
Apr 4, 2013
Karin Christa replied to Kim Olson's discussion Listing Agent Withholding Better Offers from the Lender in the group NationStar Mortgage
"Kim, this is interesting in that I too worked with an agent a couple of months ago and the majority of her listings (short sale) whereby she represented both the buyer and seller although we were getting calls all day from other agents willing to…"
Apr 2, 2013
Karin Christa replied to Barbara A. Reagan's discussion Any Help Would Be Appreciated in the group Chase
"Barbara, my first question is "how much is owed on the 2nd lien". Next call Chase and ask them if they will speak to the media -as they are on the phone with you - they will tell you  "No" they can't speak to the media…"
Mar 26, 2013

Profile Information

First Name
Karin
Last Name
Christa
Are you a...
Agent
State
California
City
Encino
My Profile
Started Real estate in 1988. Residential and Income Properties are my specialty. Over the past 4 years I concentrated 100% on short sale transactions, primarily as a listing agent. Personally accomplished over $13,000,000 in property short sales over the past year. My primary goal is to assist struggling Home Owners to either save their homes,or negotiate with their lenders towards a mutually beneficial and agreeable solution that the Home Owner can live with.

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