Mellissa Young-Ramirez's Blog (4)

57 page repair request after getting the Indymac HAFA Short Sale Approval, 6 mo's later

I tried to disclose and I got inspections and shared findings, I tooke pictures of repairs and uploaded them to MLS, I even encouraged buyers to do their inspections while waiting for approval and offered to pay. The MLS disclosed it is a fixer-up and even sellers pointed out areas in need of repair. Then the sellers vacated residence and gave permission for buyers to see property or inspect whenever they wanted. Well here we are with are "as-is" approval after 6 months and the buyers went…

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Added by Mellissa Young-Ramirez on May 9, 2011 at 4:46pm — 2 Comments

Is it a rule, a law or a guideline? OneWest and buyer/seller HUD1 estimate

Can they require buyers to make deposit in escrow and subsequently allow escrow to prepare an estimated HUD 1 (not seller side only) as condition for approving ARASS?

Added by Mellissa Young-Ramirez on March 24, 2011 at 12:09pm — No Comments

3 borrowers, 2 defaulted loans and a prior short sale gone south due to agent's forgery

Any feedback? From what I understand and as of HAFA updates published by NAR on 03/16/2011, FHA loans are not eligible for HAFA because FHA has their own process for short sales? This is situation, homeowners are 3 on title and only 2 are ready, able, & willing to proceed but the 3rd is incognito. Plus they have FHA financing on first with BofA former CW loan and there is a 2nd that was also CW and now owned by BofNY Mellon, serviced by GreenTree and both loans recorded NTS. The first… Continue

Added by Mellissa Young-Ramirez on March 23, 2011 at 7:24am — 3 Comments

Short Sale Superstars Network - Resource Proof #1

I am more then pleasantly surprised and appreciative for the recent response to my assistance request. I have yet dealt with a certain bank (US Bank) and my present resources were proving to be outdated or not qualified for the situation at hand. So I turned to the network to see if anyone had any info that would help me, really not expecting more then maybe a reference or two, giving me the basic info I already had and could easily locate on the Internet. I was wrong this time and as a result… Continue

Added by Mellissa Young-Ramirez on March 23, 2011 at 7:07am — 2 Comments

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