Samuel Hilbert
  • Seattle, WA
  • United States
  • WA
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Samuel Hilbert's Discussions

Does bankruptcy solve debt for both debtors if only one filed?

Started this discussion. Last reply by Bryant Tutas Jul 10, 2012. 1 Reply

I have a short sale that is part of a bankruptcy that was settled a couple of years ago. Neither lien on the property was ever reaffirmed. I live in Washington State which is a community property…Continue

Tags: short, sale, property, community, debt

Buyer Willing to Offer the Second Cash

Started this discussion. Last reply by Samuel Hilbert Jun 1, 2012. 38 Replies

I'm struggling a little and feel like I'm going to be on the verge of fraud if I'm not careful. I have a first and second on a short sale. The first is a Fannie Mae loan and we've gotten approval.The…Continue

 

Samuel Hilbert's Page

Latest Activity

Samuel Hilbert replied to Howard Meguro's discussion Bank of America - approved short sale but now they are changing servicers (loan sold)
"I've had to deal with this twice in the past couple months as most short sale agents have. I fought them both and kept them with BOA. In all honesty the first one I gave up on as after I threw a fit I was told there was nothing I could do but…"
Jan 28, 2013
Samuel Hilbert added a discussion to the group Provident Funding
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Easy short sale with Provident!

Just an update for anyone who reads this page on Provident. I just received an approval on a sale with them (my first ever with Provident) and was very nervous going in based on what I had read about them on this forum and other forums. However, we got full short sale approval with no deficiency in less than 45 days...including the HAFA relocation incentive for $3000 to my seller and $6000 to the second lienholder. Second lienholder (GT) has approved and we're good to go to closing. While it…See More
Dec 10, 2012
Samuel Hilbert joined Laura Marshall's group
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Provident Funding

Short Sales - Serviced by Provident Funding ( not affiliated with Provident Bank)See More
Dec 10, 2012
Samuel Hilbert replied to Mega-Pros's discussion Green Tree will demand a payment at 180 days or kick you out of shortsale program in the group Green Tree Servicing
"Just an fyi...I had a file a couple of months ago with GT on the 1st (and only lien). They did a very similar threat to my seller but my seller. After much discussion and stress my seller decided that it didn't make sense in their situation to…"
Dec 10, 2012
Samuel Hilbert replied to Maria Strong's discussion Green Tree - Questions & Email in the group Green Tree Servicing
"Thanks for that perfect update. Mine is a breakup which makes me a little more nervous, especially since they were never married but are both on the loan. It is nice to hear a success story (or at least almost one) though! Relocations always help in…"
Sep 14, 2012
Samuel Hilbert replied to Maria Strong's discussion Green Tree - Questions & Email in the group Green Tree Servicing
"Hi Maria - Just wondering what type of response you had from Green Tree with your clients that were current? I have closed several Green Tree deals (on firsts and seconds) but never attempted one with a seller who is current but just got a new…"
Sep 14, 2012
Samuel Hilbert replied to Judith Sailors's discussion Double ended deals in the group Bank of America Short Sales
"I just closed on a BOA short sale that I did both sides of the deal. It was not FHA but they actually refused to cut my commission. I was expecting it to be cut to at least 5% but the negotiator told me that she was not allowed to cut my commission.…"
Aug 30, 2012
Samuel Hilbert replied to ashley simmons's discussion Deficiency Judgment- HELP! WA Sate
"Hi Ashley - I do short sale in WA state so may be able to help a bit on information but really Bryant is right here. It depends on the lender more than anything and/or their investor guidelines. Most lenders would turn around an approval quickly.…"
Jul 30, 2012
Bryant Tutas replied to Samuel Hilbert's discussion Does bankruptcy solve debt for both debtors if only one filed?
"I agree with you but would not touch giving these folks my opinion. They really need a legal opinion."
Jul 10, 2012
Samuel Hilbert posted a discussion

Does bankruptcy solve debt for both debtors in only one filed?

I have a short sale that is part of a bankruptcy that was settled a couple of years ago. Neither lien on the property was ever reaffirmed. I live in Washington State which is a community property state.My first lien is being paid in full though which helps this situation greatly.The second lien will be receiving over 40% of what is owed them. Both borrowers (husband and wife) have their name attached to the loan on the second lien however only one of the borrowers were part of the bankruptcy…See More
Jul 9, 2012
Samuel Hilbert replied to Samuel Hilbert's discussion Buyer Willing to Offer the Second Cash
"This one is actually a little interesting. I couldn't get it worked out so was going to give up but then the market started to pick up so offered it back on the market at a higher price that wouldn't make my first lien short...and…"
Jun 1, 2012
Anna Chroscicki replied to Samuel Hilbert's discussion Buyer Willing to Offer the Second Cash
"Hi Samuel I know it was long time ago, but how did you work out this "pickle" ? I have Fannie Mae as first and Chase as second and Chase wants more than what Fannie is willing to give. Buyer has no problem with bringing some money to…"
Jun 1, 2012
Samuel Hilbert replied to Raquel Alberty's discussion Wells Fargo New Approval Letter does not provide a waiver of deficiency!!! Has anyone had this issue recently??!!!
"Good to hear and congratulations! Hopefully it remains that simple!"
May 17, 2012
Samuel Hilbert replied to Raquel Alberty's discussion Wells Fargo New Approval Letter does not provide a waiver of deficiency!!! Has anyone had this issue recently??!!!
"Hi Amanda - By that statement I meant that I knew that I could fight it if need be because of Freddie Mac's posted guidelines. However, I sure didn't want to have to fight it and I'm very glad I didn't end up needing to. If the…"
May 17, 2012
Samuel Hilbert replied to Raquel Alberty's discussion Wells Fargo New Approval Letter does not provide a waiver of deficiency!!! Has anyone had this issue recently??!!!
"I had been following this thread a little nervous as I had been waiting on an approval letter from Wells Fargo. It is a Freddie Mac backed loan so I knew I could take care of the deficiency if I needed to but was hoping not to have to worry about it…"
May 16, 2012
Samuel Hilbert joined Jim Stewart's group
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EverHome Short Sales

EverHome Mortgage short sales.See More
May 9, 2012

Profile Information

First Name
Samuel
Last Name
Hilbert
Are you a...
Agent
State
WA
City
Seattle
My Profile
Real Estate Broker involved in helping buyers and sellers through the short sale process. Have listed and sold many short sales over the past two years and look forward to continuing to help people through the short sale process. I've been through it personally myself on one of my own homes and also understand the emotions on top of the business side of it.

www.agentsamuel.com
(206) 395-8767
samuel@agentsamuel.com

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