Steve Early
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Steve Early's Discussions

Expenses "above the national average" ???

Started this discussion. Last reply by Jeff Payne Apr 14, 2011. 10 Replies

ASC just sent the seller a list of documents they wanted along with a few questions. Among the questions was:"Why are Food, Transportation, and Utilities Expenses above the national average?"Are you…Continue

USDA Rural Housing - Won't Stop Auction to Consider an Offer

Started this discussion. Last reply by Kevin - Greenville, SC Oct 10, 2011. 3 Replies

Did anyone ever have any luck convincing USDA to stop an auction?We have been calling on a property that was listed for a short sale and, even though we were authorized, were unable to get any…Continue

 

Steve Early's Page

Latest Activity

Barbara A. Hill replied to Steve Early's discussion Green Tree Short Sale Package in the group Green Tree Servicing
"I spoke with a Processor at Green Tree yesterday and he told me they do not have a "Short Sale Package" per se.  He gave me the list of items needed to send over and that was all he said was needed.  I don't know if that…"
Jun 21, 2012
Mike Derby replied to Steve Early's discussion Green Tree Short Sale Package in the group Green Tree Servicing
"Sorry to bother. Just found the SS package as a PDF under the back section.  "
Jan 19, 2012
Mike Derby replied to Steve Early's discussion Green Tree Short Sale Package in the group Green Tree Servicing
"Hi Bryant; Not sure if you still look on SS Superstars, but I do not see the Green Tree SS Package. I was hoping it had been uploaded. Can you send me the package please?   Thanks, Mike Derby Petaluma, CA"
Jan 19, 2012
Kevin - Greenville, SC replied to Steve Early's discussion USDA Rural Housing - Won't Stop Auction to Consider an Offer
Oct 10, 2011
Steve Early replied to Amanda R. Cowan, P.A.'s discussion Is there truly forgiveness of debt?
"I'm with Bryant - I'm not buying this either. Most short sale letters I see that provide debt forgiveness state that they "waive their rights to pursue" for either the balance due or a deficiency judgment. While I suppose an…"
May 29, 2011
Steve Early replied to Ted Blanchard's discussion Re-consideration of value due to storm damage... in the group Chase
"It probably depends on the insurance policy and the terms. We are currently about to close a short sale with hail damage as well. The insurance company did pay. So Kevin's strategy is right on - I'd have the customer review his/her policy…"
May 17, 2011
Steve Early commented on MeLisa Minter's group AHMSI
"@ Robin Choi - most likely it will be reported as "Satisfied for Less Than Amount Owed".  "
May 16, 2011
Steve Early replied to Eileen W. Smith's discussion Green Tree (second) won't cooperate with HAFA Approval from First in the group Green Tree Servicing
"Hi Eileen:   We just had the same situation with AHMSI first and Chase second. AHMSI is allowing 6% to the second ($2,500) and the second is demanding $5,250. The first will not allow anyone to contribute anything to the second - they must take…"
May 11, 2011
Steve Early replied to Paul Aceto's discussion $2000 shortfall between BofA and US Bank
"Hi Wendy: I agree with your comments on what the seller should be able to do. It is a separate mortgage, and they should have the right to pay it off (or pay some portion of it off) at any time. It should be nobody's business but their…"
Apr 28, 2011
Steve Early replied to Paul Aceto's discussion $2000 shortfall between BofA and US Bank
"Paul: It's not US Bank that is the culprit... it's Freddie. Freddie's policy is to tell the second how much they can get, and that's all they can receive from anyone. I suspect your HUD with the $2,000 POC will get rejected as…"
Apr 27, 2011
Steve Early replied to Judith Sailors's discussion Attorneys doing Short Sales???
"My dad once told me ... "If it sounds too good to be true ... "This advice has served me well. From a practical standpoint, Bank of America is a loan servicer for the overwhelming majority of the loans they have. He would not only have to…"
Apr 27, 2011
Steve Early replied to Ashley Hoffman's discussion I am the buyer and the PMI wants a copy of my appraisal??
"Hi Ashley: I'm thinking that the MI company is trying to assure themselves that you are paying a "fair price" for the short sale. If your offer was at $200,000 and the appraisal you got came back at $225,000 this tells them that…"
Apr 27, 2011
Steve Early replied to Annie Baker's discussion Need help with Wells Fargo
"While I'm sure it feels like it to you, Wells may not be dragging their feet. Since an approval letter is written for the seller and a specific buyer, if the buyer changes they have to go through at least part of the approval process…"
Apr 25, 2011
Steve Early replied to John Smith's discussion Short sale with EMC(Chase) in the group Chase
"The BK filing probably included the house. When that happens, the seller has to go to the Trustee for their bankruptcy and have them petition the court to separate the house out of the BK filing. Just a guess on my part, but I'm thinking that…"
Apr 25, 2011
Steve Early replied to Dan McHale's discussion Should I reach out to the Chase Negotiator? in the group Chase
"Dan: While it is troubling that your negotiator's mailbox is always full, it is not uncommon for many of them to never answer their phone. They screen calls to see who is calling and what they want. If they didn't do this to some extent…"
Apr 21, 2011
Steve Early commented on Wendy Rulnick's group Chase
"@ Michael Schneider ... well that would sure be interesting. Thanks for the info.  "
Apr 20, 2011

Profile Information

First Name
Steve
Last Name
Early
State
Massachusetts
City
Methuen
My Profile
Executive Vice President, Mortgage Debt Services

We manage short sales for Realtors so they can spend their time listing and selling properties. We know a lot about doing them because we have done so many and I joined this group so we could share some of what we know.

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