Melanie Ross
  • Female
  • Benicia, CA
  • United States
  • California
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Melanie Ross's Discussions

BofA SS approved and MI Declined it COLD

Started this discussion. Last reply by Anna Boyd May 17, 2010. 3 Replies

Can any one give words of wisdom about negotiating when a MI company coldly declines a short sale.  We got approval from BofA with terms close date etc and then the negotiator said the MI company…Continue

Tags: mortgage, insurance, american, of, sale

 

Melanie Ross's Page

Latest Activity

Melanie Ross replied to Thom Colby CA Brkr 888-391-5245's discussion Nationstar / Auction.com
"Thanks for that suggestion Bill."
Mar 24, 2013
Melanie Ross replied to Thom Colby CA Brkr 888-391-5245's discussion Nationstar / Auction.com
"I am spitting nails as Auction.com sent a bidder request to me via customer service this morning, so I go the site and lo and behold there is a listing.  My sellers have not given permission for auction.com.  We have had a ratified…"
Mar 24, 2013
Melanie Ross replied to Christy Brock's discussion Astoria Mortgage
"Thank you for your prompt response!"
Oct 1, 2012
Melanie Ross replied to Christy Brock's discussion Astoria Mortgage
"Christy, Did you ever get an feedback for escalation at Assssstoria?? We just discovered they have a servicing company DMI!  They do not answer the phone as DMI and we assumed it was Astoria!  What a runaround we are getting. Thanks for…"
Oct 1, 2012
Melanie Ross replied to Junior's discussion Zero Agent commissions on Wells Fargo transaction. in the group Wells Fargo Short Sales
"Just closed one this week.  The buyer was the "agent/broker", buying an investment property, distinct difference and he brought forth the offer under his name as broker and buyer.  No they would not give him any…"
Oct 7, 2011
Melanie Ross replied to Liane Jamason's discussion HAFA question for the experts
"Liane, We tried to do HAFA with a Bank of America loan, went through the entire process and AMS said put it on the market because it has MI, when we got an offer then we asked for HAFA again.  Still waiting 60 days later, altho we are…"
Oct 6, 2011
Melanie Ross replied to Estella Drake, CDPE's discussion BANK OF AMERICA - AMS HAFFA RASS SHORT SALES
"Hear ye! Hear ye!  I agree with your assessment of AMS.  They are nice but that is it.  What a nightmare, our seller finally just pulled the plug on it after almost a year."
Jul 22, 2011
Melanie Ross replied to Judy Paul's discussion Approved HAFA short sale - who decides when & how much to drop price?
"I am having same issues with the HAFA pricing by Bank of America.  I have been able to get the price reduced albeit not much.  To me it is a fine line as I want to follow their pricing but at some point all bets are off, as they will be…"
Jun 19, 2011
Melanie Ross replied to Myra McCaskill's discussion HAFA at AMS Servicing w/BofA - HELP on how to get an over-priced listing price reduced! in the group HAFA - Home Affordable Foreclosure Alternative
"Myra,   I am having same issue.  Not sure what planet they are on when put a price on the HAFA properties.  They sure inflate it.  We have one in contract that was less than asking price and we are waiting on the…"
May 24, 2011
Melanie Ross joined Rosemary Brooks's group
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HAFA - Home Affordable Foreclosure Alternative

Let's get this group going to track how this program is helping homeowners avoid foreclosure.See More
May 24, 2011
Melanie Ross posted a blog post

LBPS Higher Managment Contacts? Talk about burearcracy at its best, this should be on TV

We had short sale approval through 4-11 frm LBPS.  This is burearcracy at its best. Loan docs signed, loan funded last week.  Title sent the final hud 5 days ahead of time.  NOONE responded.  Wed I call to LBPS to find out why.  LBPS would not approve the hud which was more than the approval letter and ready to close prior to the end date for the approval. WHY couldn't someone have told us. WHY do we have to call in to find this out.  WHY if we follow the approval letter instructions nobody…See More
Apr 12, 2011
Melanie Ross joined Bill Black's group
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IBM Lender Business Process Service (LBPS)

IBM put 1.3 Billion into this arm of the business... let's see how productive that was?See More
Apr 12, 2011
Melanie Ross replied to Amanda R. Cowan, P.A.'s discussion Deficiency Judgment or 1099?
"yes, it has to be one or the other.  The bank cannot have it both ways. Once it has been considered settled for less, it is SETTLED and reported to the credit bureaus as such.  Done, gone, over with.  I am not an accountant…"
Apr 10, 2011
Melanie Ross replied to Dr. Rodney K.Elkins's discussion CDPE certification quetstion
"I completed CDPE, SFR, Certified HAFA and PCS, yes I am an education junky.  CDPE was best only because it gave me a leg up on how to do short sales.  It cut the time in half for bumbling through.  Cut in time to get them…"
Apr 7, 2011
Melanie Ross replied to Eileen Johnson's discussion California agent going to short sale her residence.
"I would not recommend she list the home herself.  and if the listing agent and selling agent happened to be in the same office they will pay full commission but they may negotiate it down.  I would recommend the agent look into…"
Apr 7, 2011
Melanie Ross replied to Tina Smith's discussion Tax Returns
"We have a short sale in progress similar to this.  We gave all tax returns as requested and their banking statements are together yet one spouse was not part of the loan.  We have approval on the first loan and working on approval on…"
Apr 7, 2011

Profile Information

First Name
Melanie
Last Name
Ross
Are you a...
Agent
State
California
City
Benicia

Melanie Ross's Blog

LBPS Higher Managment Contacts? Talk about burearcracy at its best, this should be on TV

Posted on April 12, 2011 at 6:45pm 0 Comments

We had short sale approval through 4-11 frm LBPS.  This is burearcracy at its best.

 

Loan docs signed, loan funded last week.  Title sent the final hud 5 days ahead of time.  NOONE responded.  Wed I call to LBPS to find out why.  LBPS would not approve the hud which was more than the approval letter and ready to close prior to the end date for the approval. WHY couldn't someone have told us. WHY do we have to call in to find this out.  WHY if we follow the approval letter…

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Short Sale Superstars Website Rocks!!

Posted on September 29, 2010 at 4:14pm 0 Comments

It has been several months since I signed up for Short Sale Superstars. It is the one site I have found that has information that I like to say "you can sink your teeth in", it is not fluff but real time information to aid all of us with our short sales. I have been referring agents to this site everytime someone asks me a question.

Yesterday an agent in our office, who is on the buying end, was frustrated with an OCWEN short sale. The bank was not responding for an extension.…

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