Steve Ciner
  • Male
  • Royal Oak, MI
  • United States
  • NY, MI
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Steve Ciner's Discussions

BANK OF AMERICA SETTLEMENT

Started this discussion. Last reply by Sandra Ufer Jul 5, 2011. 3 Replies

Hi,Does Bank of America settle home equities (or any 2nd loans) that are upside down with little to no equity, with out a short sale? Other large lenders settle with out short sales but BofA in the…Continue

PNC 2ND LOAN SETTLEMENT

Started this discussion. Last reply by Elise Fay Sep 3, 2010. 5 Replies

I am assisting with a settlement on a 2nd loan with PNC. This is not a short sale but the borrower has access to cash and can offer a settlement. The loan is currently being handled by the ‘debt…Continue

 

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Latest Activity

Sandra Ufer replied to Steve Ciner's discussion BANK OF AMERICA SETTLEMENT
"I closed several with B of Am that had 2 loans with B of Am. $3000. to the 2nd each time. Both agreed."
Jul 5, 2011
Woody Edwards replied to Steve Ciner's discussion BANK OF AMERICA SETTLEMENT
"I just closed a BOA short sale with a first & a second.  You have to contact BOTH departments about each loan.  I believe the 2nd was handled out of Greensboro, NC.  I had to get their payoff amount before the 1st would even think…"
Jul 4, 2011
Steve Ciner liked Steve Ciner's discussion BANK OF AMERICA SETTLEMENT
Jun 28, 2011
Steve Ciner posted a discussion

BANK OF AMERICA SETTLEMENT

Hi,Does Bank of America settle home equities (or any 2nd loans) that are upside down with little to no equity, with out a short sale? Other large lenders settle with out short sales but BofA in the past told me they would not settle (unless through a short sale). I was wondering if anyone has knowledge if currently BofA is open to settlements on 2nd mortgages. Any info would be greatly appreciated.Thank you! SteveSee More
Jun 28, 2011
Elise Fay replied to Steve Ciner's discussion PNC 2ND LOAN SETTLEMENT
"Tony...I don't know how long it was before it was charged off, but I imagine the loan was very delinquent. In fact there was a foreclosure date issued in both circumstances. In that case the 1st issued the NOD, the 2nd then charged it off to…"
Sep 3, 2010
Elise Fay replied to Steve Ciner's discussion PNC 2ND LOAN SETTLEMENT
"I have been thinking of a reply... I am inclined to say let it get charged off but...do you need to give them an answer right away. I am working tomorrow and Sat. showing homes, but I can call my contact at LRC in Florida and ask her if it is better…"
Sep 2, 2010
Elise Fay replied to Steve Ciner's discussion PNC 2ND LOAN SETTLEMENT
"Steve The 2nd loan was not with PNC, but Navy Federal. In my case I thought that a charge-off meant that it would be with a 3rd party collections but NFCU said their charge-off loan was with LRC...I found out later that LRC is just a dept. in…"
Jun 24, 2010
Steve Ciner replied to Steve Ciner's discussion PNC 2ND LOAN SETTLEMENT
"Elise, Thank you for responding. Was the 2nd loan you settled also with PNC? I am trying to gather information on PNC's collections dept. Once charged off do they typically out source to 3rd party collection agencies or do they keep it…"
Jun 24, 2010
Elise Fay replied to Steve Ciner's discussion PNC 2ND LOAN SETTLEMENT
"Steve I had 2 transactions both where the 2nd loan was with Navy Federal Credit Union and they were both charged off--meaning they were with their collections department, when we started negotiations. One of them had PNC has the first and they were…"
Jun 24, 2010
Steve Ciner posted a discussion

PNC 2ND LOAN SETTLEMENT

I am assisting with a settlement on a 2nd loan with PNC. This is not a short sale but the borrower has access to cash and can offer a settlement. The loan is currently being handled by the ‘debt management deportment’. They are willing to work with us for a settlement but right now they are strong arming us into paying 1 month payment (the loan is 5-6 months delinquent) so that the loan does not get ‘charged off’ at the end of this month- June. They are saying they need this payment so that the…See More
Jun 23, 2010
Steve Ciner is now a member of Short Sale Superstars
Jun 23, 2010

Profile Information

First Name
Steve
Last Name
Ciner
Are you a...
Agent
State
NY, MI
City
NYC
My Profile
I am a licensed agent specializing in short sale negotiations.
I negotiate my own short sales and I act as a 3rd party negotiator for other agents and attorneys.

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