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Folks, as you may know, Borrowers (Sellers) are often required to make a cash contribution to the Investor or Mortgage Insurance Company in order for the Short Sale to be approved.

There are several reasons why the Borrower may be asked to do this:

1. They are not late on their payments.

2. They have a good credit score and are current on their bills.

3. It’s an investment property.

4. A contribution is required in order to Waive the Deficiency.

5. They have cash on hand and/or large retirement fund accounts.

This is by no means a comprehensive list but you can see the trend.

Recently, one of my Sellers was required to make a $10,000 cash contribution in order to avoid a possible deficiency judgement in the future. The Sellers had no money but were current on their payments and it was an investment property.

Our course of action was to:

1. Negotiate as best we could to get the amount lowered or removed.

2. Try to get the investor to agree to a promissory note instead of cash at closing.

3. Ask the Buyer to pay the cash contribution.

4. See if the Sellers could borrow the funds.

Unfortunately, none of these worked. So we had to revert to plan B, place the property back on the market and negotiate a new deal where the Buyer would pay the $10,000 Cash Contribution for the Seller. This is added to the purchase contract where the distribution of closing costs goes.

It took all of 3 days to find a Buyer agreeable to this. Now we simply place a $10,000 “Cash Contribution For The Lender On Behalf of the Seller” on line 104 of the Buyer side HUD-1. Then we place the $10,000 on line 404 of the Seller side HUD-1 as “Cash Contribution To The Lender”. Then we just add the $10,000 to the payoff amount to the Lender.

Done deal. Fully disclosed and approved by the Lender. And my Seller will avoid any future Deficiency Judgement on an investment property without having to miss any payments. Heck their credit score may actually go up!!! Sweet. Any questions?

Are you under water on your Florida mortgage?

In today’s real estate landscape buyers are often hesitant and reluctant to really make that final decision.  A lot of times they get pressured into a decision.  Sure they may find a house that they really like and are kind of on the fence about it.  Then they start to feel pressure from what their family thinks, what their parents think, what their friends think and worst of all what their agent thinks they should do.  The truth is, a professional and reputable agent will be able to give their opinion and yet stay out of the decision making process.  A good Realtor is able to give them the best and most informed information a buyer needs in order to make the decision for themselves without the agents influence.

A common story these days is that a buyer is pressured or talked into purchasing a home that someone else thought would be perfect for them. Then 3 months down the line they realize that they don’t really like the home and now are somewhat trapped in the situation.

I think buyers, especially first time homebuyers feel as if they might upset people.  Whether it be another family member or even their agent.  The truth is that it shouldn’t matter.  This is your home, your purchase, your mortgage and needs to be your decision.

I think a lot of buyers once they get deep in the process are afraid to walk away.  The truth is there is nothing wrong with walking away. Sure there are contractual limitations and time periods in which these decisions need to be made, but none the less the buyers and even sellers are given time to walk away from the deal.

As a Realtor in the Charlotte area it is my job not just to sell homes, but more so make sure my clients are happy with their decisions and happy with the options they have and guidance I have provided.  I want my clients to understand that the “Due Diligence” period is their time to enforce their decision, make sure that it is and will be what they want it to be, get whatever inspections and so forth that needs to be done and make sure they will be happy with their decision.

As an added buyer protection for my clients I have recently started offering what is called the “Love It or Leave It Guarantee”.  If one of my buyer clients decides that they do not like their home and have made the wrong decision,  as long as it is within 90 days of closing I will resell their property for FREE.  This means I will not take a commission on the transaction.  However, a commission would still need to be paid to the other party’s representative, but you would not pay me a dime.

Buying a home is a HUGE step in life and one that needs to be celebrated and enjoyed.  A buyer needs to feel confident that they made their own decision and that it is a decision that they are happy with.

Tim Brown
Owner/Broker, Realtor®, ABR,CRS,CDPE®
Auctioneer NCAL#8560
Hines & Associates Realty
TeamHeidi
Direct Line: 704-619-1008
Client Care Line: 704-815-3208
www.CarolinaHomes4Sale.com

Short sale Birmingham Michigan Tip #58, understanding the short sale parties!!!, Mike Sher (248) 644-4700 x 242 Max Broock Certified distressed property expert.

Often short sale sellers and short sale buyers get confused about “how many cooks are there in the kitchen”. 

·       A buyer can’t understand how they write a full price offer on a home and yet 60 days later the bank counters above the list price.    

·       Or, a seller who was told that the short sale was approved by the bank (servicer) and then 30 days later FNMA the “Investor” denies it.  

·       Sometimes the listing agent tells the buyer’s agent that the short sale was approved with certain terms and after the buyer writes that offer, the bank comes back with completely different terms.

·        Another common issue is that the servicer tells the seller that they will get full deficiency release but a week later, the Mortgage insurance company refuses to close without a seller signed promissory note.  

·       The biggest concern is why are all of these issues taking SO LONG to come to the surface.

As illustrated on this chart.   Bank of America, like many servicers are agents to an investor and sometimes to a mortgage insurance company.  So the Servicer is not a principal but a middle person. Much like the listing Realtor is a middle person to the seller, the buyer’s agent, buyer’s lender and the buyer.

Step1.  The listing agent and the Servicer, like Bank of America,  try to broker a deal that all parties can agree to, sometimes even before they have an offer.  We do this through negotiations where both agent and servicer present cases on what each of the terms should be and why.

Step2.  Once that is agreed upon, the listing agent offers those terms to the buyer’s agent and the seller.  If countered, the servicer and listing agent negotiate another settlement.  Once agreed by the servicer, seller and buyer.

Step3. Servicer sends the approval to the investor and/or mortgage insurance company

Step 3B.  If there is more than one lien/loan on the home, the listing agent will simultaneously negotiate that file as well.

Step 4. Investor will accept, deny or counter the file.  Each of these outcomes requires further negotiation.  Even an acceptance by the investor may still need negotiation if the terms are unreasonable to the seller.   More negotiation is often needed at this phase.

Step 5 once approval is agreed upon, the buyer gets his/her financing and as long as the home appraises, the sale should be fine.  

It is critical that the realtor negotiation the short sale has a clear understanding of the process and the parties of the transaction. That realtor has to have a proven track record of closing short sales.  Ask for references and proof that the realtor has closed dozens of short sale before listing your home with them or writing an offer on their short sale listing

Mike Sher
Max Broock Realtors
248 496-1572

2010 results: 75 units sold, over $10,000,000,00 in sales and 365 days of FOCUS!

The Mike Realtor Team sells Homes in Bloomfield, Birmingham, Beverly Hills, Farmington, West Bloomfield. Rochester, Troy, Novi, Huntington Woods, Royal Oak & Auburn Hills. Call us at (248) 644-4700 X 242 or check us out at www.ShortSaleOaklandCounty.com or www.mikerealtor.com Mik

DiscussionsRepliesLatest Activity

Buyer's agent asking to speak to negotiator I've had this happen before and my sellers have never been willing to give third party authorization to another agent but I'm curious about… Started by jennifer mullen	24	9 seconds ago Reply by Bryant Tutas
Seterus: A Case Study in Stupidity This is a followup to my Seterus thread from last week. I submitted a very thorough, comprehensive, & well documented offer to Seterus… Started by Harry Clay	9	1 minute ago Reply by Bryant Tutas
Warning to Agents re Seterus Clients contacted me with approx 2 weeks to go before the scheduled Trustee Sale. I just closed an 11 month IBM / LBPS / Seterus / National… Started by Harry Clay	22	3 minutes ago Reply by Bryant Tutas
How to get HAFA to move on this? I have a buyer with an approved offer on BofA short sale. He requested an extension which was submitted to BofA about Oct 18 with an Origin… Started by John Young	6	11 hours ago Reply by John Young
HAFA and Inspections Hello, I am currently working several short sales and learning something new each and every day. On a HAFA sale, buyers submitted a lower o… Started by Jen Basnight	0	12 hours ago
Arms length transaction? I have been asked to do a short sale. The owner of the home is also an officer of the corporation that owns our brokerage. I am also an of… Started by Amy Summers	1	21 hours ago Reply by Kimberley Kelly
Co-Op Short Sale Assignments Has anyone gotten an e-mail from this company DTS or Dignified Transfer Solutions who is teamed up with Bank of America to assign contacts… Started by Thomas Zdanowicz	19	22 hours ago Reply by Kimberley Kelly
USAA HELOC - satanic I have a file with a USAA heloc. The homeowner is in foreclosure because she is way behind on her first lien, however she never stopped mak… Started by Joshua Gayman	3	22 hours ago Reply by Kimberley Kelly
USAA is demanding 50% of the debt on a HELOC!!! Can anyone help me with contacts or ideas? Ive been working a short for over a year now.. The first is BofA and USAA has a HELOC 2nd....Originally USAA was going to cooperate with th… Started by JayFriedman	3	22 hours ago Reply by Kimberley Kelly
Buyer changing their offer on a SS while waiting for approval. Here are the details: A house that has a balance off 400k and the offer is 320k which is right at 100.00 per sq foot. The bpo was done 3 m… Started by Investor	1	22 hours ago Reply by Kimberley Kelly

"Short Sale Superstars

Advanced Short Sale Training"

Our goal is to provide you with best ADVANCED Short Sale Training available. We are not teaching you how to take a short sale listing and put a package together for the lender.

1. HUD-1 Secrets that produce winning results. NOW AVAILABLE!!

2. Bank Communication and Escalation Techniques. NOW AVAILABLE

3. Overcoming bad BPO's. NOW AVAILABLE

4. Overcoming cash contributions and promissory notes NOW AVAILABLE

5. Negotiating Junior Liens

6. Lead Generation Strategies

7. FHA, VA and HAFA Success Tips

8. 10 Most Common Short Sale Mistakes and How to Avoid Them

9. Solving Last Minute Closing Hurdles

10. Running a Short Sale Business

Each training class will be delivered by 45-60 minutes of audio and will be released every 2 weeks (or sooner) beginning on 14 September. The cost is $37 per class OR you can pre-pay for all 10 for $200.

The instructors for Short Sale Superstars Advanced Training are Broker Bryant and Wendy Rulnick......CHECK IT OUT

This site is owned and operated by REGrow, LLC

A Licensed Florida Real Estate Brokerage

ShortSaleSuperStars@gmail.com

DISCLAIMER

REGrow, LLC does not necessarily endorse the real estate agents, loan officers, attorneys, real estate brokers and other participants listed on this site. These real estate profiles, blogs, blog entries and forums are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a short sale. REGrow, LLC takes no responsibility for the content on these pages that are written by the members of this community.

We have all seen Back to the Future Part II and all know that in 2015 we are supposed to have all these great advancements and technology…The truth is we already have most of the things they came up with in that movie.  Everything except for the ever elusive flying car…but I also know that we are getting close on that too…But what about real estate…

Do you think homes being built in 2015 will be any different than today’s home?  Do you think that we will miraculously adopt the thumbprint entry rather than your traditional doorknob and handle? What about the door itself? Will we all of a sudden start building homes that lose the normal door altogether and start using the Star Wars “blast door” style? Or perhaps we will have coolers on our ceilings that drop on command…

The truth is that homes most likely will not change that drastically in 3 years.  I think the only things we will see are continued upgrades to items already being used.  Items that will help save on energy costs and electricity.  I think we will start to see a lot more solar powered appliances and roof solar panels.  I also think we will see a lot of innovation in windows and insulation.  Lets face it, the trend is and will be for awhile is energy conservation and the environment.  The more “green” we can build new homes the better it will be for the environment…Which is a really good thing and I think a lot of innovation will come out of energy efficiency and solar energy research.  I just saw the other day a paint that you can use that will conduct solar energy and with the right equipment installed can be utilized for household energy use.

What are some things that you think we will see in the next couple years…Where will the new home building focus be? What kinds of interesting things have you seen lately in this arena?

Tim Brown
Realtor ®, BROKER, ABR, CRS, CDPE ®, SFR, Auctioneer NCAL#8560
Hines & Associates Realty
Direct Line: 704-619-1008
www.CarolinaHomes4Sale.com

How clever some of these companies that keep popping up claiming to be our good buddies and stick with us throughout the transaction.

Something didn't sound right when I started questioning the guy. Sure he said he was with the National Group(s) or something. When I started to ask how they got paid he let me know that they get a 1% fee and that commissions are reduced to 5%. When I pressed about how they intend to get around Fannie Mae's guidelines that they're not allowed to reduce our commissions below 6% he started back pedaling.

In the end he said I didn't have to work with him and he could send my file back to LBPS/Seterus, although, he didn't know how long it was going to take for them to get to the file. Hmm...that sounds like a not so subtle intimidation tactic.

That begs the question of who they are working for and whether or not it's legal? You see, in the great state of Idaho, you're not allowed to collect a fee for short sale negotiation unless you're a licensed agent and it is standard of practice in your regular business of helping clients to list and sell homes or you're licensed with the Department of Finance.

If I'm given the choice of whether or not I want them to work my file and they're collecting a 1% fee taken from a reduction in my commission who's behalf are they working on?

Sure, I'm arguing semantics here, however, it's not right that they don't disclose their game up front. When push came to shove he hung up on me.

Should we as agents push back against the tactics and business practices of companies like this?

P.S. It reminded me of a similar go round I had with another company recently, Titanium Solutions, only in that case it was an agent who called upon one of my clients directly knowing full well the property was already listed. That's an interference with a brokerage agreement and against the law, I checked with the real estate commission. Same type of threat from them about not running the transaction through their company. Guess what? Bank of America said they could go pound sand and took the file and ran with it anyway. It's amazing the amount of knowledge and protection short sale agents have to have to service their clients properly.

I am having a tough day with stupid people. Fannie Mae may be at fault.

This morning I picked up the NY Times, skimming over the headlines I found this article to be a worthwhile read.  It exemplifies what happened to so many people who thought they were doing the right thing. 

A great read on How a Financial Planner Lost His House: http://nyti.ms/rO86by. -- Short sale stories come from all walks of life...  After a client makes their decision to short sale, we become their best ally in helping them to unravel a piece of their financial entanglement.  Short sales are not for the faint of heart and certainly there are no quick fixes, programs or nonesuch.  

It still comes down to hard work and the three P's; Persistence, Patience and Perserverance. 

Article Source: NY Times - November 9, 2011

I just wanted to share this quick post from my outside blog ShortSalePowerHour.com.. My favorite topic is "Mindset Monday" 

Here is a quick share from my outside blog ShortSalePowerHour.com regular Monday feature "Mindset Monday"

Escalating agent concerns I am in the process of negotiating a short sale with Deutsche Bank for my client, an active duty navy member. My client was transferred ou… Started by Keith Canty	3	9 minutes ago Reply by Bryant Tutas
Chase SS Help/Advice We are first time home buyers. We found a great house that is in short sale. The listing price was $299k(I know that doesn't matter...only… Started by Robert Lindbloom	0	10 hours ago
Any agents doing BPOs too? Hi! I was just curious if any of you also do BPOs and if you are comfortable sharing, what company you do them through? I've heard both goo… Started by Sarah Davis	8	13 hours ago Reply by Richard
Short pay on Existing mortgage and keep the house I have a client that has come to me and says that BOA is offering to accept about 80% of the current value, (about 50% of the existing mo… Started by Jackie Henderson Kumm	5	22 hours ago Reply by Jeff Payne
$2000 shortfall between BofA and US Bank Dear Short Sale Agents. I have been successful in escalating a file with US Bank as 2nd position lien holder. This escalation was success… Started by Paul Aceto	11	yesterday Reply by Ron Margolis, RA
Need help with US Bank I have had a file with US bank now for 11 weeks. They have said in order to get a negotiator regular wait times are 6 weeks - we have been… Started by Heather Cook	7	yesterday Reply by Ron Margolis, RA
Warning to California Agents re Seterus Clients contacted me with approx 2 weeks to go before the scheduled Trustee Sale. I just closed an 11 month IBM / LBPS / Seterus / National… Started by Harry Clay	8	yesterday Reply by Harry Clay
Clear to Close via Equator I have been provided with a "Clear to Close" status and was directed to see the "Clear to Close Documents" by going to Equator and logging… Started by Anastasia Reed	7	yesterday Reply by William F Griffin Jr
Wells Fargo okays repairs Well this is new...the buyer on my short sale listing asked for repairs from Wells Fargo and I sent it in thinking NO WAY. Well, surprise,… Started by Wendy Martin	3	yesterday Reply by Wendy Martin
How to get HAFA to move on this? I have a buyer with an approved offer on BofA short sale. He requested an extension which was submitted to BofA about Oct 18 with an Origin… Started by John Young	2	yesterday Reply by Catherine Myers

"Short Sale Superstars

Advanced Short Sale Training"

Our goal is to provide you with best ADVANCED Short Sale Training available. We are not teaching you how to take a short sale listing and put a package together for the lender.

1. HUD-1 Secrets that produce winning results. NOW AVAILABLE!!

2. Bank Communication and Escalation Techniques. NOW AVAILABLE

3. Overcoming bad BPO's. NOW AVAILABLE

4. Overcoming cash contributions and promissory notes NOW AVAILABLE

5. Negotiation Techniques, From Contract to Approval

6. Negotiating Junior Liens

7. Lead Generation Strategies

8. FHA, VA and HAFA Success Tips

9. 10 Most Common Short Sale Mistakes and How to Avoid Them

10. Solving Last Minute Closing Hurdles

Each training class will be delivered by 45-60 minutes of audio and will be released every 2 weeks (or sooner) beginning on 14 September. The cost is $37 per class OR you can pre-pay for all 10 for $200.

The instructors for Short Sale Superstars Advanced Training are Broker Bryant and Wendy Rulnick......CHECK IT OUT

This site is owned and operated by REGrow, LLC

A Licensed Florida Real Estate Brokerage

ShortSaleSuperStars@gmail.com

DISCLAIMER

REGrow, LLC does not necessarily endorse the real estate agents, loan officers, attorneys, real estate brokers and other participants listed on this site. These real estate profiles, blogs, blog entries and forums are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a short sale. REGrow, LLC takes no responsibility for the content on these pages that are written by the members of this community.

I know it’s hard to believe. But it’s still true. You may qualify for a cash incentive*** from your Lender to do a Short Sale.

***These programs are not available to all Sellers and the incentives may vary from State to State.

Here are the Short Sale Incentive Programs that I am aware of:

HAFA. Home Affordable Foreclosure Alternative. Lender will pay the Seller $3,000 as a Relocation Assistance. Only for primary residences.

FHA PFS. HUD Pre-Foreclosure Sale. Seller can receive $1,000 for relocation assistance. Just yesterday I received FHA PFS approval increasing the seller incentive to $4,000!! Only for primary residences.

Chase Short Sale Incentive Program for select Borrowers offering them up to $35,000 to do a short sale.

Bank of America Co-operative Short Sale. From $3,000 to $20,000 Short Sale Incentive.

Citi Bank, Wells Fargo and Ocwen also have programs available for select home owners. Amounts vary from $3,000 to $35,000. Most are in the $5,000 range.

Folks if you are behind on your payments be sure to open any and all mail you receive from your lender. It could very well be an offer to Short Sale your property. These offers are usually time sensitive and require immediate action on your part.

But why would my Lender pay me to do a Short Sale? That’s a good question. For one, it less expensive, for them, for you to cooperate during the Short Sale process and maintain the property than it is for the Lender to foreclose and get an abandoned property back. Also, the Lender does not want you to continue living in the property for free. They would rather pay you to do a Short Sale now than have you live there for another year or so while deciding what to do. The incentive gets you to take action.

Whatever their reason is.....it’s a good opportunity for you. Any questions?

Are you under water on your Florida mortgage?

Below is a video we shared on our website earlier this week. I wanted to share it with more agents and thought this would be a great place for it.

La Quinta, California Short Sale CLOSED!  Listing to Recording in less than four months..and that was after first position Buyer walked!

•  
• SHORT SALE STATISTICS

• Bank of America, one note, no MI
• Primary Residence
• Seller Hardship was loss of Income for one spouse
• Original Note Value:  $320,000
• Closed Sale Price:  $150,000 (conventional loan)
• B of A accepted approx. .45 cents on the original dollar

Bit of a panic as B of A had not approved Final HUD until late yesterday afternoon, and then it was via Equator..but got it recorded!

Hi,

I am looking for opinions on Short Sale Commander.  Who is / has used it?  Do you recommend it? Do you feel it simplifies your workload?  Any and all advice / opinions are appreciated!!

10/20/11 received BPA Approval letter w/ COE 12/1/11. BOA removed 10/31/11 trustee sale date.10/21/11 buyer's had cancelled. 10/29/11 new contract, cash buyer, at above LP. how will BOA/Equator handle this situation? How can i MAINTAIN timelines by remove old offer and submit new, better offer? Should i call Closing negotiator today?Thx - Bob

ANOTHER SHORT SALE CLOSED; Indio, California   This one took some fancy footwork, but got it listed and closed in less than 90 days..whew!

Sellers came to me two weeks before Sale Date end of August.  There was a tenant in the house, and they would not allow entry to Buyers..so "contingent upon Inspections" was in order.  Done.

Lender was Chase..not one of my favorites, but only one loan so hoped for the best.  Got it!  This BPO came in on target and the Negotiator was very sane.  Sweet! 

Buyers financed with a VA loan..not always the beset for Short Sales as they are 100% financing and tons of conditions, but this time it worked. 

Sellers are relieved and the Buyer is thrilled.  The sweet smell of happiness in the Short Sale world..

DiscussionsRepliesLatest Activity

Short Sales and Security Clearance I am running into more people with security clearances that need short sales. The question always arises about the impact of a short sale,… Started by Keith Canty	6	7 seconds ago Reply by Bryant Tutas
Can seller use Chase $20k payment incentive to cover a personal lien concurrently at closing? Hi Superstars! Chase offered my seller $20,000 to do a short sale, and I haven't done one in this program yet. The seller owes state income… Started by Sue Irwin	3	2 minutes ago Reply by Bryant Tutas
Lenders and that whole "Arm's Length" thing ... I feel like I've learned a lot since joining this site and am amazed by how much good knowledge is available for free. Now I have a questi… Started by Mike Mondy	12	4 minutes ago Reply by Bryant Tutas
BOA Known for letting houses go to auction without reply about counter offer? In contract with BAC on SS started Sept 1st. Originally they pushed back the trustee sale until OctoberTed 27.t they countered on October 1… Started by Darlene Pieracci	9	6 minutes ago Reply by Bryant Tutas
Confused buyer dealing with BOFA, please help! So I put in an offer August 27th, accepted by the seller on September 2nd. Last week bank of America sent my realtor an email countering a… Started by Porsh	13	17 hours ago Reply by Lila Lopez
Reasons to do a Short Sale VS. a Foreclosure Regardless of whether you are in foreclosure, if selling your home will not net enough to pay off your existing mortgages, you may want to… Started by Garland Solomon	2	20 hours ago Reply by Jeff Payne
How do I get a HUD lien for $7500 (2008 loan/grant) off the title on my FHA short sale. I had clients that purchased a home with me in September of 2008. That was when the Government had a $7500 interest free loan with a 15 ye… Started by Tiffany Cloud	13	21 hours ago Reply by Stephen Trad
PNC Average Acceptance Amount when in 2nd Position I have been tracking PNC's behavior when in 2nd position on short sales and based on the postings and my experience they are awful to work… Started by Rebecca Williams	6	yesterday Reply by Rebecca Williams
HAFA Approval , now Seller needs to move? Good one today! Seller got "kinda" Hafa approval." BUT, long story, now we are waiting for Alt Rass because net did not come in, (another l… Started by Beverly Cibulsky

 "Short Sale Superstars

Advanced Short Sale Training"

Our goal is to provide you with best ADVANCED Short Sale Training available. We are not teaching you how to take a short sale listing and put a package together for the lender.

1. HUD-1 Secrets that produce winning results. NOW AVAILABLE!!

2. Bank Communication and Escalation Techniques. NOW AVAILABLE

3. Overcoming bad BPO's. NOW AVAILABLE

4. Overcoming cash contributions and promissory notes NOW AVAILABLE

 5. Negotiation Techniques, From Contract to Approval

6. Negotiating Junior Liens

7. Lead Generation Strategies

8. FHA, VA and HAFA Success Tips

9. 10 Most Common Short Sale Mistakes and How to Avoid Them

10. Solving Last Minute Closing Hurdles

Each training class will be delivered by 45-60 minutes of audio and will be released every 2 weeks (or sooner) beginning on 14 September. The cost is $37 per class OR you can pre-pay for all 10 for $200.

The instructors for Short Sale Superstars Advanced Training are Broker Bryant and Wendy Rulnick......CHECK IT OUT

This site is owned and operated by REGrow, LLC

A Licensed Florida Real Estate Brokerage

ShortSaleSuperStars@gmail.com

DISCLAIMER

REGrow, LLC does not necessarily endorse the real estate agents, loan officers, attorneys, real estate brokers and other participants listed on this site. These real estate profiles, blogs, blog entries and forums are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a short sale. REGrow, LLC takes no responsibility for the content on these pages that are written by the members of this community.