Steven Angelil
  • Male
  • Hollywood, FL
  • United States
  • Florida
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Steven Angelil's Discussions

Damage to credit after a short sale if no missed payments?

Started this discussion. Last reply by Wendy Rulnick Nov 2, 2012. 4 Replies

I had a nice conversation with a young man who moved from FL to SC, is current on both his first w/ ING Direct and his HELOC w/ Regions Bank. Breaking even/losing a little w/ his tenants. No plans to…Continue

Tags: sale, short, damage, credit

 

Steven Angelil's Page

Profile Information

First Name
Steven
Last Name
Angelil
Are you a...
Agent
State
Florida
City
Pembroke Pines
My Profile
Full time agent since 2004. Have closed only one short sale myself. Have another short sale recently under contract. Looking to find best ways to get more short sale leads.

Steven Angelil's Blog

Education recommendation to SS Superstars, AgentGPS, Charfen Inst.

Posted on December 13, 2012 at 1:44pm 0 Comments

Monday and Tues of this week I spend 2 full days at a seminar presented by Alex Charfen of the Charfen Institute.  The seminar is called AgentGPS, which stands for Growth Profitability & Stability.  What a wonderful course.  Instead of a presenter force-feeding you information, Alex presented us with the tools needed to basically either start your business over from scratch or make some minor adjustments to your business to get it to the next level.  The seminar is just the start.  It's…

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Mortgage Debt Relief exiring, but you still may be able to exclude cancelled debt

Posted on December 6, 2012 at 10:45am 0 Comments

As always please call your CPA/Accountant or the IRS for detailed info. about your specific situation.  Here is the IRS publication that deals with cancelled debt.  One of the key things distressed sellers may want to look into is insolvency.

IRS for 4681 re: Cancelled Debt

Please contact me if you are a Broward county Florida resident who has questions about short sales.

Keys to new Short Sale guidelines starting November 1, 2012 are 90 days delinquent, & less than 620 credit score

Posted on October 17, 2012 at 2:31pm 0 Comments

I was researching the latest bulletins from both Fannie Mae and Freddie Mac and the keys to both are 90 days delinquent and less than 620 credit score.  What happens when a borrower is more than 90 days delinquent and has a credit score of less than 620? 

 

  • Borrowers are NOT REQUIRED (my emphasis) to make a cash contribution/promissory note
  • Servicer is NOT REQUIRED (again my emphasis) to obtain or review the Borrower Response Package (aka short sale…
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Pembroke Pines, Florida short sale. Can the bank do that??!

Posted on October 15, 2012 at 9:07am 5 Comments

Working on a short sale for a divorced young lady in Pembroke Pines, FL..  Soon after listing the property I placed a regular combo lock box on the property since it was vacant.  Soon after I get a call from an agent stating there is no lock box on the property!  I then found out that Chase had called my client and told her "we need the lockbox code so we can do a property condition report".  Well of course my client gave them the code.  Chase then proceeded to throw away my lockbox and…

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At 11:59am on November 26, 2012, Wendy Rulnick said…

Thank you, Steven. It seems SPS is evasive with non-HAFA forms!!  This isn't a HAFA :(

 
 
 

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