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Can CBD help with your sale?

If you've stumbled upon this article, then you're obviously looking for information about CBD reviews and ratings and want to learn more about them. The good news is, you're not alone. Millions of people all across the globe are exploring CBD as a possible treatment for various ailments, including anxiety, depression, arthritis, epilepsy, chronic pain, and much more. For this reason, there is a tremendous amount of research being done on CBD.

The good news is, CBD is not a fad; it's actually here to stay. CFAH has been providing consumers with accurate, professional CBD information and reviews for over twenty years. In fact, they even have a CBD Master Certificate Program! So, it's no surprise that CFAH offers a comprehensive listing of all their CBD review websites, where you can find out about products, companies, and the latest news.

One of the best things about CFAH, which we also offer, is that they include the opinions of many experts, including doctors and pharmacists. For this reason, you can trust CFAH expert CBD reviewers, including doctors, pharmacists, patient advocates, homeopaths, and others, to give you the facts straight about many products on the market today.

For example, did you know that CFAH expert CBD reviewers think Ephedra is "unknowingly" unsafe for children? And that many parents have suffered serious consequences from using Ephedra?

It doesn't matter what type of product you're considering. CFAH will provide you with information about the latest products and studies, as well as provide links to reputable expert CBD review websites, so that you can learn what other people are saying about different products. For example, did you know that when it comes to Ephedra-style products, it's not uncommon to hear about heart palpitations, chest pains, anxiety, shortness of breath, extreme tiredness, vomiting, irregular heartbeat, tremors, diarrhea, nausea, seizures, liver failure, and chronic lung disease? Did you know that these are just a few of the side effects that come along with using Ephedra-style products?

You won't find these kinds of adverse reactions in CFAH CBD reviews. Instead, you'll find honest, objective, and informative reviews. For example, one of the websites on CFAH offers a free trial to see if CFAH might be the right supplement for you. If you decide to take the free trial, you'll get to see firsthand how other CFAH users feel about the program and the supplements. That's a great way to make sure that you're making an informed decision before paying for the program.

CFAH offers several different types of CBD products, including topical creams, oral pills, herbal dietary supplements, and topical ointments. The website also reviews products from other companies, as well as supplements and lifestyle programs. If you're serious about losing weight and living better, CFAH is a great place to start your search for the right program and supplement. With CFAH review websites, you can quickly learn about the latest research and products. Before deciding which program or CFAH supplements are right for you, make sure to research the products thoroughly, and talk to the program and CFAH representatives before buying.

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Hi fellow Realtors! been awhile since I have been here but boy do I need help!

I have a Celink reverse mortgage that was just transferred to Novad for servicing. For starters, If the owner is alive and not in a facility, does he have to occupy the house in order to do a short sale?

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Short Sale Vs Short Pay Off

You often hear the term Short Sale and Short Pay. They both are programs that involve a servicer review and a that a lien holder is being shorted and taking a loss on the mortgage payoff. They are similar in that nature but the outcome is distinguished as one program transfers the home to a new purchaser and the other is a designed for a borrower to retain ownership of their home.

In a short sale you are going through a detailed review with the mortgage servicer(s) and lien holders to obtain permission for them to take a loss and to sell the asset to a new buyer. The borrower wants to mitigate losses and reduce potential liabilities associated with a home that may be in foreclosure and an overall personal financial hardship. 

In a Short Payoff a borrower is looking to settle mortgage debt and retain ownership of the property. Short Pay Offs are typically not options for borrowers as most lenders do not settle first mortgage debt to allow borrowers to keep the property. Also, most borrowers are not able to settle a large lien in a large cash lump sum. These programs are very uncommon for first lien holders but are not unheard of. We typically see these programs more available on charged off upside down or subordinate mortgages.

Both programs have negative credit impact, deficiency judgments if not waived, and potential tax liabilities due to the cancelled debt if settled.

If you have questions or need anything at all reach out to me at or 310-564-6389

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SPS / Chase Backed Asset

Hey everyone!

If you haven't run into this yet, be aware that Select Portfolio Servicing (SPS) with Chase backed assets have a new guideline that can throw a wrench in the transaction. They are only allowing one short sale review! Meaning that if the buyer walks or if the deal is denied for a low offer, you won't be able to try again.

I had an approval and the buyer walked then they would not allow us to submit at the same terms due to this guideline. We also had a buyer get countered, the buyer only raised their offer slightly, they would not counter gain, and they closed the file out.

Be cautious as they won't tell you these guidelines ahead of time or about the only one counter rule!


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Short Sale Questions Or Help?

If you need short sale help or have questions about a specific short sale transaction please reach out to our community of specialists at 1-888-664-6964. We are happy to answer any questions and help point you in the right direction to accomplish your goals.

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Short Sale with HERO Assessment

As anyone dealt with any short sale lenders that will agree to pay the HERO tax assessment?  Are lenders declining short sales due to the HERO being a "future" tax bill rather than a current or delinquent tax?  Need responses

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While it IS possible to have a great "BUTT", eat right and get in those squats, there is simply NO such thing as a great "BUT"!!!!

I could lose the weight.....BUT

I could improve my relationship....BUT

I could get more clients...BUT

I could close more short sales...BUT


Just be honest....start following "but" with this phrase:

"'s just not that important to me"

and watch how it puts things into perspective.

If you REALLY want to make those resolutions happen, start saying this phrase to the people who will be affected if you DID follow through on those resolutions:

"Honey, I could lose weight so that I can live longer, be healthier, be better in bed, be a better role model for the kids......BUT it's is just not that important to me!!!"

"Kids, I could be making more money so that we can live in a better neighborhood, take more trips together, help more people less fortunate than us.....BUT it's just not that important to me!!!"

No More Excuses!!!

No More "Buts"!!

Making A Difference One Post At A Time!!!






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HUD lien junior to the first mortgage.

We had a surprise just before closing on what we thought was a traditional sale.  We found out the seller had a loan modification in 2015 that include and $80,000 junior lien from HUD. This made the payoff about $20,000 short to close and HUD would have to agree to take $60,000 to $65,000 and release the lien and note. According to the seller's attorney, HUD doesn't negotiate.  I don't believe that because after 500+ closed short sales I've never experienced a lender that would not work with us.

QUESTION:  Has anyone in SuperStar land negotiated a short sale with HUD as the junior lien holder and will they negotiate?

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Approval Problems

Has anyone been having an even more difficult time getting the approvals over the last 4-5 months than usual?  Seems like lenders are holding back since the market has gotten better or is it just me? 

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Bayview Financial

Does anyone have a n escalation contact at Bayview? They are refusing to look at my offer and stop at an auction which is scheduled for July 18, stating there is not enough time to stop it.
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Just initiating a short sale with Ditech with Ginnie Mae as the investor. Trying to see if I need to start off the jump escalating anything to at least get off on the right track...   Does anyone know if the servicer will pay for a short sale processor..? Thanks

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Been working a short sale with Shellpoint as the first for over 2 years.  Wells Fargo as the second.  1mil a piece owed on both.  Wells, 2nd removes their lien and will issue 1099.  Shellpoint has been playing games with the file and now on the 4th processor.  Give them everything they requested, for the 12 time, and now tell me their foreclosing.  Any suggestions??

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