Tammy Davis
  • Female
  • hollister, ca
  • United States
  • California
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Tammy Davis's Page

Latest Activity

Tammy Davis replied to Elvira Quiray's discussion Divorced Sellers in the group Chase
"Elvira, You might check to see if the house was a part of the divorce settlement. I had a short sale with Chase, same scenario and I wrote a letter of explanation regarding the ex-spouse, provided the QC Deed and property settlement of divorce…"
Mar 15, 2013
Tammy Davis replied to Rob Olson's discussion FHA PFS in the group Wells Fargo Short Sales
"I personally have never waited for a bank to give me the list price. I list it, obtain a good offer and submit everything at one time to the lender. I find that is what works best for me."
Mar 6, 2013
Tammy Davis replied to Ken Patterson's discussion Wells Requires FULL Payoff instead of Short Sale - What? in the group Wells Fargo Short Sales
"Ken, I closed a short sale with this same Negotiator, a few months ago. She provided me with a document entitled "Preforeclosure Sales Program" which details what they will allow and what is unacceptable. Part of it details their…"
Mar 5, 2013
Tammy Davis replied to Larry Davis's discussion Equator short sale package filing in California--interested in packaging for CA property with Chase? in the group Chase
"Larry, I'm interested...I negotiate all my own short sales and have a 100% closing rate. If you need my help, you can email me at tntdavis@gmail.com or call 831-801-3179"
Feb 21, 2013
Tammy Davis replied to Wendy Rulnick's discussion What Are Your Short Sale Successes?
"I have been very fortunate to have a 100% closing rate on all of my short sale. It comes from being proactive and tenacious..and having a background in escrow has been a tremendous help. The one short sale I am most proud of is one in which I…"
Feb 18, 2013
Tammy Davis replied to Janet Kleen's discussion Short Sale Approved - Seller is now not wanting to close, even with reloc money in the group Help Me!
"Sorry to hear you and your  client are going thru this. It's hard to keep sellers motivated, as the short sale process is tedious and frustrating. Many times they have outside forces feeding them incorrect information..such as letting it…"
Feb 5, 2013
Tammy Davis replied to ashleyblackstone's discussion Please Help! Bank wants more then what borrowers owe! in the group Wells Fargo Short Sales
"Banks make mistakes too....any chance they have mixed your file up with another? I have received many short sale approval letters that had errors, one was even on a property in another state than mine."
Jan 15, 2013
Tammy Davis replied to Peter Babos's discussion Junior loan payoff with close of escrow in the group Help Me!
"Have you started the short sale process with BofA? If PNC is being paid off before you take the listing, before any communications take place with BofA in regards to a short sale, you are ok. But if you have started the process...absolutely BofA may…"
Jan 11, 2013
Tammy Davis replied to Karen Booker's discussion BANK OF AMERICA SHORT SALE SUCCESS STORIES
"They don't...that in part is what adds to the frustration. It's all done the old fashioned way...faxing...ugh!"
Dec 17, 2012
Tammy Davis replied to Karen Booker's discussion BANK OF AMERICA SHORT SALE SUCCESS STORIES
"Deborah thanks for the info...the last FHA I did with BofA, seller completed the interview process as soon as they accepted a contract. They never attempted a loan mod, so it was clearly a short sale from the beginning. It should have gone smooth,…"
Dec 16, 2012
Tammy Davis replied to Karen Booker's discussion BANK OF AMERICA SHORT SALE SUCCESS STORIES
"On an FHA loan? That is hard to believe...kudos to you!!"
Dec 16, 2012
Tammy Davis replied to Jeff Johnson's discussion Is buyer entitled to copy of approval from Fannie Mae
"I'm not sure where you are located...but a short sale approval is not public knowledge. It is a demand statement from the lender. On my transactions I lay all the cards on the table. I want the buyers agent, buyers and their lender to know…"
Dec 16, 2012
Tammy Davis replied to Jeff Johnson's discussion Is buyer entitled to copy of approval from Fannie Mae
"I always send the short sale approval letter to the sellers, buyers agent, buyers lender and title company. All parties need to know the conditions of the approval letter, especially the closing date."
Dec 16, 2012
Tammy Davis replied to Karen Booker's discussion BANK OF AMERICA SHORT SALE SUCCESS STORIES
"I recently closed an FHA with BofA...they can be painfully slow. My file went thru 4 different Negotiators because they had left the department. Use social media to escalate the file...on this particular file it was the only was I could light a fire…"
Dec 16, 2012
Tammy Davis replied to Derik Bjorgo's discussion Sellers Bailing on SS last minute, need some advice!
"I know it is only as good as the paper it is written on...but as part of signing the listing agreement I have the sellers sign a statement that they will not pursue a loan modification. It has always worked for me. We all know the lender is going to…"
Dec 9, 2012
Tammy Davis commented on Wendy Rulnick's group Short Sale Referrals
"Hi Kelly, I service Santa Clara, Monterey, San Benito and parts of Santa Cruz County."
Oct 8, 2012

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After working in the title and escrow field for nearly 25 years, I recently obtained my real estate license. While most agents admittedly do not enjoy working on short sales...I do. For years I have worked directly with lenders...and at one time, escrow was the one who negotiated the short sale, so this has been a perfect fit. I know the lender talk and understand the importance of getting them what they need when they need it.

Tammy Davis's Blog

Short Sales.....made painless

Posted on January 6, 2010 at 12:04pm 0 Comments

I know, I know, anyone reading this has got to be saying...yeah right..a painless short sale? But it is true that a short sale can be painless provided that rules are followed and a few tools are used.

One of the most important rules that I impliment is that my sellers are in the game. I explain that at times it may seem that I am demanding, and asking for more and more documentation (ie. paperwork), but I am just the messenger and at… Continue

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At 10:31am on May 4, 2010, Van Bui said…
Hi Tammy,

Would you mind to share with me the contact of upper management of Service Link. They denied our file because they anticipated REO will net more than short sale due to property will increase in the future. They want 393K and our offer 375K at 100% BPO. We are 18K different. Thank you very much.




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