Posts By Melissa Zavala
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8.3K4Housing NewsBuying a home at tax sale may not be such a deal
(Housing News) It has become a popular notion that a home bought at a tax sale is a steal, but it is...
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4.3KBusiness MarketingWhy free leads are only for the bottom feeders
People who accept free leads in the real estate industry are either bottom feeders or about to learn some difficult business lessons....
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9.7KBusiness ArticlesBusiness lessons from Pigpen and the rest of the Peanuts cast
(Business News) While there are business lessons everywhere we look, the cast of Peanuts provides a diverse list of lessons that are...
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5.8K8Tech NewsGoogle invests $50M in Auction.com: good for Google, bad for consumers?
(Tech News) Auction.com has recently seen a fat cash infusion from Google, and both seek to revolutionize real estate. Again. But who...
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3.9K1Business NewsWhere customer service ends and gift giving begins
(Business News) Here are some intuitive ways to improve your sales with better customer service policies and procedures without breaking the bank.
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9.7K4Housing NewsFannie Mae foreclosure incentives: take a second look at First Look™
(Housing News) Fannie Mae is offering incentives on foreclosures, and while many homeowners are unaware, many agents are as well - time...
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6.9K1Housing NewsRust Consulting: tax return docs sent to people who never got paid
(Housing News) Many homeowners are receiving 1099-MISC tax forms stating that they got a check from Rust Consulting for being wrongfully foreclosed...
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7.7K3Business MarketingWould you embrace the Field of Dreams Theory of marketing?
(Business Marketing) When marketing your business, is it really true that if you build it, they will come? Let's look at the...
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6.6KBusiness NewsWhat single skill can skyrocket your sales success?
(Business News) Sales come naturally to some people, but not to others - what skill separates the wheat from the chaffe?
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8.8K2Business EntrepreneurSet your business apart with personalized customer service
(Business News) Times are changing, and customer service is not as easy as a smile and a kind greeting. Let's talk about...
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5.7K4Housing NewsAgents and short sale sellers, beware of deficiency balances
(Housing News) Deficiency balances are not always perfectly understood, and they present significant challenges during the short sale process, so let's discuss...
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12.0K5Business Entrepreneur3 ways real estate agents can stay focused admid distractions
(Entrepreneur News) Productivity is difficult in a world of distractions, but there are a handful of ways that successful real estate agents...
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6.8KBusiness NewsHow agents can stay busy in the slow season
(Business News) The slow season can be brutal for agents in some markets, but even in the toughest areas, there are things...
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6.0K3Housing NewsThe seven habits of highly effective short sale agents
(Housing News) Short sale agents have different tasks than a traditional agent, and the path to success looks quite different; these are...
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7.2K7Housing NewsHow real estate agents can spot when it is time to change and adapt
(Real Estate) Real estate agents are often asked how they survive the slow season, but the truth is that there is no...
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17.0K3Housing NewsNo tax penalty for California short sales, what about other states?
(Housing News) Although the Mortgage Debt Relief Act of 2007 ends next year, California homeowners will not face tax penalties for short...
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1.9K3Housing NewsIn short sales, it’s all about how you present your package
Short sales aren't known to be the most seamless of transactions, but knowing some basic tricks can make the process go smoothly.
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1.9K2Housing NewsHow emotion can get in the way of short sale negotiations
Short sale negotiations are not well known for being easy, and that's why it is such a tricky niche, but knowing a...
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2.8K3Housing NewsWhat you need to know about mortgage debt forgiveness
There is currently a lot of misinformation floating around about mortgage debt forgiveness - let's examine the current policies on the topic.
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3.7K3CoachingDisputing a property’s value in a short sale: turn a no into a go
During a short sale, there may be various obstacles, with misaligned property values ranking near the top, but it doesn't have to...
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2.6K4Housing News3 ways real estate agents can instantly increase their income
(AGENT/GENIUS) To kick start 2013, there are areas of focus that real estate agents can focus on to increase their income right...
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22.1K5Housing NewsAgents fume over Nationstar’s relationship with Auction.com
(AGENT/GENIUS) - As Nationstar's new acquisitions take effect, many are raising their eyebrows at the widespread implications on the market.
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2.8K4Housing NewsShould agents ever give commission dollars to close a deal?
When a deal comes down to the wire and the buyer can't come up with the surprise fees at closing, should an...
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1.6K1Housing News3 things to consider before taking your next short sale listing
There is a difference between a generalist and a short sale expert, so know the difference and establish trust in your community...
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1.8K3Housing NewsBan lifted on dual agency for FHA short sales: better option
After HUD announced changes to FHA short sales policies, they quickly recanted and postponed a ban on dual agency.
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2.7K2Housing NewsHUD nixes dual agency on FHA short sales
FHA short sales are slow going and sometimes complex, with HUD making a substantial change to the process recently.
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2.7K2Housing NewsWhat to do when a short sale doesn’t close on schedule
Whether a veteran or a newbie, there is no guarantee that a short sale transaction will close on time, so here is...
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1.2K1Short Sales4 tips for getting respect from short sale lenders
When a real estate professional is working short sales, getting respect from short sale lenders can be tricky - how can this...
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4.9K3Housing NewsShort sales: to select a cash offer or not?
It has long been said that cash is king, but is that necessarily the case in short sales transactions? Let us examine...
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1.6K4Housing NewsNo Fannie or Freddie means adios, 30-year mortgage
With talks of Fannie Mae and Freddie Mac being shuttered, there are implications many are not talking about.
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1.4K3Housing News
Obama’s housing plan urges end of Fannie, Freddie
Obama has a plan laid out that could finally put an end to Fannie Mae and Freddie Mac, a move that both...
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1.7K1Housing NewsForeclosure settlement check drama: bad for Citigroup
As a result of the Independent Foreclosure Reviews, checks are in the mail for wronged homeowners, but a major conflict of interest...
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3.3K2Housing NewsAre short sales a gold mine or a rabbit hole for flipping?
Flipping short sales is being sold as an investor gold mine, but is it as easy as it sounds? Let's discuss.
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1.4KHousing News
Market rebounds and new short sale trends
As the market improves, short sale trends shift, so preparing for the changing tide is important for the survival of agents and...
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2.7KHousing News
Fannie Mae policy clarifications irritate short sale agents
Fannie Mae has rolled out rule clarifications that appear to be giving short sale agents heartburn, but why? Let us examine the...
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1.4KBusiness News
Four ways a short sale listing agent can avoid losing a buyer
Becoming a top notch short sale listing agent is more than just knowing contracts and how to navigate the banks, namely these...
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1.7KHousing NewsShort sales: learn to anticipate what to do next
Short sale transactions can be a frustrating process, but you can win the game by anticipating all of the possible moves on...
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1.4KHousing NewsWhy short sale agents need to show compassion
For homeowners involved in a short sale, it is more than just a checklist to them, so for this and other reasons,...
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2.0K1Housing News
Short sales: getting around frustrating gatekeepers
Short sales can be frustrating, especially with gatekeepers in the way, but with a little savvy, you can navigate your way more...
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1.9KHousing NewsWhy short sale agents don’t need to be sold on how to adapt
Struck by the text of an ad targeting real estate professionals, it must be noted that short sale agents that survived the...
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2.4K3Housing News
How to overcome frustration with mortgage lenders
Dealing with big box mortgage lenders in any capacity can be frustrating, but armed with these four tips, you'll improve your chances...
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1.3KBusiness NewsHow real estate brokers can solve paperwork nightmares
From state to state, laws vary, but every real estate transaction has paperwork associated with it, whether printed or not, so the...
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3.1K1Housing NewsShort sale agents: how to postpone a foreclosure date
A common problem is not knowing a foreclosure date in a short sale transaction, so here are four ways to postpone a...
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1.5KHousing NewsHomeowners: read your mail to avoid unfair foreclosure
While homeowners should never be foreclosed on for a technicality, there are notifications and details to be aware of before ever falling...
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2.7KHousing NewsShort sale property has four liens, good grief!
Short sales can be highly challenging, particularly when tax liens are involved, but there are many options available to overcome the obstacles,...
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3.5KHousing NewsShort sale listing agents: don’t quit your day job
Short sale listing agents have had a rough few years and much has changed since housing crashed, but it isn't time to...
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3.2K3Housing News4 ways an HOA can kill your next closing
Homeowners' Associations are becoming the latest real estate deal killer - know what they're doing and how to make sure your transaction...
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2.7K2Housing NewsEthics and the lender’s preferred short sale listing agent
Realtors that take on short sale listings may have found some listings assigned by lenders to already be listed by another agent!...
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20.5K14Housing NewsHow much will your independent foreclosure review check be?
Rust Consulting sent letters out telling victims of foreclosure abuses that they would be getting a check, and until now, the amounts...
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1.6KHousing NewsShort sale buyers want discounts: is it possible?
Everyone loves a good discount, and everyone knows that short sales go for less than a traditional resale home, but is it...
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2.0K1Housing News
Short sales agents work for seller not bank
It can be challenging for short sale agents to strike a balance between the fiduciary obligation that they have to the short...
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17.3K26Housing NewsRust Consulting: promise that a check is in the mail is real
Rust Consulting is sending out official looking mailers promising formerly distressed borrowers that a check is in the mail - and it's...
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1.8KHousing NewsReal estate short sales: addressing multiple offers
Cash isn't always king in short sales, so reviewing offers on a short sale should take into account more than just the...
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2.3K6Housing NewsThree short sale trend shifts in a changing world
Short sale trends are rapidly changing, and homeowners and practitioners alike struggle to keep up, so here are the top three shifting...
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1.5K1ResidentialShort sales: the top 3 title insurance troubles
Short sales are not without challenges, but knowing the answers to the most common obstacles and questions can aide in a less...
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1.1KHousing NewsHousing initiatives and changing options for homeowners
With housing initiatives from the government in peril at the hands of politicians, the future of options available to struggling homeowners may...
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12.0KHousing NewsShort sales: taxes, 1099s, and relocation assistance
Because short sales aren't your average real estate transactions, there are common misunderstandings regarding how a homeowner's taxes are impacted. Let's dissect...
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3.4K8Housing NewsFannie Mae accused of forcing underwater borrowers into foreclosure
Fannie Mae policies have changed considerably over the last year, having a widespread impact on the short sale process, which some say...
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3.6K1Housing NewsUnderstanding the HAFA Short Sale Program
The HAFA Short Sale Program has great benefits, but is riddled with challenges that even seasoned professionals struggle with.
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4.9KCoachingShort sale standoffs: how to avoid getting hit
The short sale process can feel a lot like a wild west standoff, but there are ways to come out victorious, so...
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4.0K1CoachingShort sale approval letters don’t arrive in the blink of an eye
Short sale approval letters may look like they've been obtained simply by experts, but it takes time and doesn't just happen with...
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4.7KCoachingShort sale time saver: remove non-institutional liens early
Short sale nightmares are abundant, but with this one smooth move, you can go a long way towards smoothing the path toward...
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4.3K2CoachingShort sale listing appointment: how to breeze through any meeting
Being prepared and following these tips will help any short sale listing appointment substantially easier for any real estate professional.
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8.6K1Coaching13 ways to get a fast short sale approval in 2013
This year, short sales are taking less and less time, getting a fast short sale approval is more likely, and here are...
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3.6K1CoachingTop 5 errors on short sale approvals provide no holiday happiness
Working tirelessly on a short sale can mean an approval letter during the holidays, but do you know the top five errors...
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2.3K1Coaching
How to avoid short sale buyer frustrations
Minimizing the frustrations that come with a short sale is often seen as a mythical possibility, but with these simple tips, any...
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4.1K1CoachingShort sale: are there situations when agents can’t earn a commission?
Short sale: are there actually situations where an agent would not get paid? There are some complicated situations when it comes to...
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7.9K3CoachingWhat short sales and puppies have in common
It's no secret that short sales come with a plethora of challenges, but like the challenges associated with raising a new puppy,...
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3.4K1CoachingAnswers to the most common short sale listing appointment questions
There are dozens of quality scripts available for a traditional seller listing appointment, but short sales are a completely different breed with...
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4.3K1CoachingWhy short sale sellers may now incur costs at closing
Whether in California where laws have just changed, or in any other state, it is best to be fully equipped to know...
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1.7K3How toTop four short sale deal killers, how to avoid them
When listing and negotiating short sales, it is easy to become negative, but if you avoid these four short sale deal killers,...
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1.7K2How toShort sales: determine the course of the negotiations
Each short sale is unique. With an understanding of the overall process for your particular short sale, you will have a better...
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2.5K1CoachingBest practices for short sale escalation
Real estate short sales can be a handful, but knowing the ins and outs of escalation can help any short sale transaction...
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9.3K1CoachingShort sale hardship letters should be short and sweet
Seller hardships range from job loss to job transfer, and homeowners nationwide are short selling, but the process is daunting for all...
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1.5K2Coaching
Bulletproof way to overcome short sale stressors
Real estate short sales can be entirely stressful, but there is one bulletproof method that real estate practitioners can implement that can...
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1.2K2CoachingShort sale documentation: what’s the need?
There are changes on the short sale process horizon, but for now, practitioners must understand the need for the hefty documentation requirements...
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2.5K5How toShort sales: understanding what goes on behind the scenes
Short sale transactions can go smoothly sometimes, but poorly others, all under the same servicer, but why? Let's talk about the variables...
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1.1K2CoachingReal estate short sales: what’s in it for me?
With the volume of defaulted loans, there is a lot of business for short sale practitioners, so what's in it for you?...
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2.4KHow toShort sales: when to negotiate vs. when to take a stand
Agents working short sales can become very frustrated by the process, but during the moments of frustration, know when get productive instead...
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1.8K3How toShort sale leads are everywhere
As we gear up for 2013, short sales is on most Realtors' minds, and many are surprised to learn that the leads...
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1.4KHow toHow to get on the short sale bandwagon
Becoming a short sale master in 2013 take some preparation, so get started now with these quick tips!
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3.9K1CoachingArm’s length transactions and short sales
Perhaps not everyone knows, but lenders and servicers typically do not allow non-arm's length transactions, so let's talk about how this works.
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1.3K2How to3 ways to put your short sale processing skills to the test
In a market where closing is not a guarantee when it comes to short sales, there are skills agents must have to...
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2.3K3How to
Three reasons a short sale may not close on time
Short sales is increasingly common in the real estate practice, and there are common reasons why the deal may not be sealed...
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2.0K3How toGood questions for short sale listing agents
Short sales are more common today, and knowing what questions to ask can streamline all parties' efforts for a successful transaction.
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971How toShort sales: a little knowledge goes a long way
The short sale process is likely to be a staple in real estate agents' business for some time, so dealing with bank...
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1.3K3How to
Where to look for your next short sale listing
As the economy shifts, short sales in real estate continue to be a commonality, and many real estate agents are learning how...
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2.0K2Coaching
Short Sale unknowns: learning from the Magic 8-Ball
The Magic 8-Ball always came with such uncertain responses, just like the short sale sector. Let's look at some common questions about...
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1.7K2How to
Quick tips for Fannie Mae, Freddie Mac short sales
Knowing what happens during the short sale transaction with Fannie Mae or Freddie Mac can go a long way toward a successful...
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1.2K3How toHow to make your real estate business matter
While food carts may be a fad, all business models have elements of following fads - it's called taking advantage of the...
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845How toWhen receiving short sale advice, consider the source
You wouldn't ask your neurologist for real estate opinions, nor your barber about the economic history of Brooklyn, so why not be...
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1.5KHow toHow to prepare your call to the short sale lender
In a short sale transaction, it is critical to be organized and prepared, and there is a lot to overlook, so pay...
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1.1K2Coaching5 awesome short sale tips
If you're just getting interested in short sales, or are a veteran, we're betting some of these tips could still be news...
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1.9K1MortgageDoes your short sale seller have a legitimate hardship?
There are many recognized hardships that lend to a simple short sale process, but some hardships are seen as less legitimate by...
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1.3K1Residential
Seller motivation is key to short sale success
Seller cooperation is key to the success of any short sale listing, so here are four ways to assess this, which is...
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4.4K5ResidentialHow to write an effective email to the short sale lender
If you want to draw attention to a short sale file, have a legitimate reason to express concern, and remember that what...
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1.7K3MortgageLatest changes to the Bank of America short sale process
When processing short sales, it’s important to know about how each of the lending institutions handles loss mitigation and paperwork processing. If...
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2.4K1ResidentialQuick tips for working with tenants in short sale listings
It is nearly impossible to quickly and efficiently sell a property with an uncooperative tenant. And, since time is of the essence...
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1.3K22ResidentialHow to command the short sale lender’s attention
While it is feasible for Lady Gaga to wear a meat dress to her job to command attention, a short sale takes...
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1.0K27ResidentialThe most important tip for an effective short sale closing
Short sale transactions can be extremely nuanced and detailed for a practitioner, but there is one frequently overlooked tip for an effective...
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2.1K1ResidentialShort sale offers: why the highest may not be the best
A common rookie mistake when evaluating short sale offers is to run with the highest bidder, but there are many more questions...
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2.2K18ResidentialHow a short sale listing can become like a quicksand trap
When real estate professionals take on a short sale listing without understanding the constantly changing rules and incentives programs, it can feel...
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2.5K21CoachingWhen to escalate your short sale transaction
There are times when a complaint during the short sale process will be ignored, and other times when it is appropriate and...
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2.3K33ResidentialShort sales, junior liens, and cash contributions
There are so many little details that need to be considered when you are processing a short sale. Don't forget to ask...
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14.9K30ResidentialBank of America short sales: navigating Equator
Bank of America's short sale process is unique, especially with the use of a program called Equator, which each bank uses differently....
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1.3K26CoachingSurvive a short sale by not shooting messengers
Short sales require a great deal of patience on the part of homeowners as well as their listing agents, but survival sometimes...
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1.3K25CoachingWhat to do when home sellers are upside down
Short sales are just one of a homeowner's many options, and a well-informed Realtor can potentially earn a short sale listing by...
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2.9K28CoachingJuicy short sale incentive programs causing consumer confusion
Large short sales incentives? I had a short sale seller call my office the other day because he wanted that humongous short...
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1.2K25CoachingHow to survive a short sale listing appointment
A scary meeting The short sale listing appointment can be a super intimidating and scary meeting for any borrower that is considering...
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1.6K21CoachingAvoid letting HOAs play God with your short sale deal
HOAs are taking a more active role in real estate transactions, threatening foreclosure when short sales are not expedient.
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2.3K11How toHow to avoid losing a short sale listing in the eleventh hour
Short sale woes If you have taken more than a few short sale listings, then it has probably happened to you. You...
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2.2K17How toHow to bulletproof short sale counter offers
Are your counter offers airtight? I’m not much on guns, except maybe squirt guns, when it is around 115 degrees outside. However,...
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1.2K24How toHow to be a better short sale listing agent
Lessons from Sullenberger and Schettino When I was 16, I got my first part-time job. Since I was nervous, my mother said,...
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2.8K19CoachingShort sale settlement statements – pay attention
How to Create a Comprehensive HUD-1 One of the most unique and challenging components of the short sale transaction is the creation...
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1.5K15How toHow working with a seller in advance curbs short sale mistakes
Manage Seller Expectations There are a handful of mistakes that short sale agents can make when working through the short sale process,...
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1.8K29CoachingTop four distressed property buzz words
Short Sale Primer A buzzword is an informal term for a fashionable word or phrase, and we have lots and lots of...
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Coaching
Top distressed property articles for your new year
This Year on AGBeat If you are thinking about making short sales part of your business plan for 2012, why not toast...
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1.3K38Coaching
Title reports and short sales – when liens aren’t mortgages
Non-Institutional Liens One of the issues that often comes up in the short sale is the issue of non-institutional liens (i.e., liens...
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Coaching
How to avoid short sale implosion and keep the buyer around
It has probably happened to you before. In fact, it’s pretty common. The short sale negotiation process goes on too long, the short...
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Lead Generation
Gear up for 2012 with short sale leads – tips and tricks
Are Short Sales Part of Your Business Plan? With 2012 just around the corner, everyone and her (his) mother is talking about...
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Coaching
Short sales – how to overcome a poor appraisal
As part of the short sale process, short sale lenders conduct appraisals or Broker Price Opinions (BPOs) on the subject properties. In...
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96131CoachingTwo tips for short sale listing agents – avoiding the storm
How to Avoid the Short Sale Storm When a short sale prospect calls me about a potential short sale, I need to...
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Coaching
Using the Socratic Method when working short sales in real estate – tips and tricks
I’m a little bit embarrassed to admit to this, but during my daily drives to and from the office (about 25-30 minutes...
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Opinion Editorials
Why I am thankful for short sales – it’s more than dollars
Short Sales and the New You With Thanksgiving just around the corner and pumpkin pies already being purveyed at the local grocers,...
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Coaching
Top three HAFA short sale myths clarified
Unless you are working on short sales day in and day out, you are probably not totally fluent in HAFA. You know...
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Coaching
5 Short Sale Questions that Buyers’ Agents Must Ask
Do Your Homework Lately, I’ve been plagued by issues with short sales that could have easily been resolved had the buyer’s agent...
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Coaching
Two Tips for Escalating a Short Sale Package
Admit it. You probably never used the word escalate before we ventured into our most recent stint with distressed properties. Now, the...
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Coaching
Are short sale listings still an untapped gold mine?
Sometimes I sit back at the end of a day or a week and I think, “What happened? When did I get...
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How to
Bank of America short sales in Equator – placing an offer
More and more servicers are now using the online platform, Equator, to process short sales. Wells Fargo, Nationstar, GMAC, and Service One...
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Coaching
Two tips for negotiating a short sale with a junior lien
How to Deal with Multiple Liens The short sale has always been a tricky transaction. It’s a challenge to obtain the required...
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Coaching
Recipe for short sale success – quick tips for Realtors
A successful short sale closing is like a recipe for mole poblano. Are you familiar with mole poblano? It’s a chocolate-tinged sauce made famous in the...
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Coaching
Getting started in short sales – how to cherry pick your listings
Inaccurate calculations can cost big bucks Everyone already knows that one of my favorite topics is short sales. In fact, my son...
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1.6K21CoachingShort sale negotiations – Kardashian style
Does Drama Have a Place in Short Sale Negotiations? I’m a little bit embarrassed to admit it, but one of those Kardashian...
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Opinion Editorials
Quick tip to save yourself from a major short sale headache
Sometimes I hear stories about stuff going on in the field of real estate and I think, “You can’t make this stuff...
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Coaching
How to select the right list price for your short sale listing
Unless you’ve gotten your client involved in one of those pre-approved short sale programs where they bank has already given you a...
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Coaching
Equator now used by more short sale servicers, could this improve the process?
Wells Fargo now uses Equator A little over a month ago, Wells Fargo officially announced that it was joining the list of...
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Coaching
Short sales need offers fast
I recently received an email from a short sale seller in Massachusetts and she had a very good question. In a nutshell, she has her...
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Coaching
Wrinkles plus gray hair equal short sale experience
Short Sale Package Preparation Short Sale Package preparation is very time consuming and very frustrating as well. And, it is extemely common for...
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Coaching
For effective short sale negotiations, get good walking shoes
People say that I have a shoe fetish. I’ve even been accused of that fetish by folks who read my articles regularly. Yes,...
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Coaching
Information Overload – What’s Going On in the Short Sale World?
Latest Short Sale News A couple of pretty exciting things happened in the short sale world over the last few days. For...
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How to
Fillet of short sale for dinner tonight – tips and tricks
Unhappy campers working short sales Agents, home sellers, and homebuyers continually complain about their short sale transactions. It’s no surprise to me...
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Coaching
Musings about HAFA guidelines – each short sale is unique
Do time frames matter? I received an email from an agent struggling with her HAFA short sale. Troubles with a short sale...
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Coaching
Short Sales and Deficiency – Common Questions
The ABCs of the Release of Deficiency When I checked my email the other day morning, I had an email from a...
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Coaching
Think beyond the next closing – focusing on your pipeline
How to Be Productive I’ve recently had some trouble with one of our short sale closings. The approval letters had been obtained...
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Coaching
Bark and scream have no place in short sale negotiations
How to Avoid Short Sale Trouble Have you ever seen The Music Man? If so, than you may remember the lyrics “Ya...
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How to
You don’t need anti-bacterial gel to write a clean short sale offer
In the state of California, we have all sorts of rules and forms that we can use for our short sale transactions—making...
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Economic News
Short sales and tax implications – do I need a new job?
An agent recently called me to discuss the tax implications of a short sale. He said that his seller was concerned about...
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Coaching
It’s finally time to list a short sale – tips
Short Sale Incentive Programs Okay, for those of you naysayers who avoid short sales like the Plague, I think it is possible...
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How to
Pre-approved short sales: fact or fiction?
I heard on some radio advertisement that a camel can spit with extreme accuracy to a distance of 35 meters. 35 meters!...
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How to
Why some short sales don’t close
It seems that everyone always complains about the mortgage lenders and complains that they are the reason that short sales do not...
