melissa polce: In A Service Industry...Don't Take Your Business For Granted... - 02/24/11 04:40 PM
You know we have to go the extra mile these days...and all those small things add up...which is why I must say...QUICK, HONEST, EFFICIENT SERVICE IS WHAT IS WARRANTED AND NEEDED IN TODAYS REAL ESTATE MARKET....that includes MORTGAGE FOLKS ... Gone are the days when you can just "cherry pick" lets say...and so any real buyer should be treated like GOLD...case in point...
Mortgage Chic took a week and 10 excuses to get me back an updated pre-approval, I called, I emailed, I explained I needed it or the Negotiator would close the file...A DARN WEEK? I happen to know...they take 2 … (2 comments)
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melissa polce: SHORT SALE GENTLEMAN'S MOUNTAIN RETREAT, 10 ACRES NEAR CHARLOTTE, NC - 01/17/11 01:26 PM
THE COMPLETE MOUNTAIN RETREAT-OFFERED AT $800K
Do You Have A Home You Need To Sell To Avoid Missed Mortgage Payments or Foreclosure?
Agents That Have Real Life Experience in Short Sales, Call Us Today
Serving Charlotte, Lake Norman and The Surround Counties.
… (0 comments)
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melissa polce: Charlotte & Lake Norman Short Sale Leaders - 01/03/11 01:13 PM
MELISSA POLCE & JUSTIN SCIRANKO, BROKERS, KELLER WILLIAMS REALTY
Agents That Have Real Life Experience in Short Sales
The short sale agent handles complex negotiations with the bank. If the agent has no experience dealing with loss mitigation and negotiators, the seller is the person who may suffer. Short sales require a ton of work and mortgage knowledge. This is far from the regular Real Estate transaction...whom you choose to represent you will make the difference in getting the deal done or possibly foreclosing. Novices should not handle short sales.
Short Sales require Agents that are experienced in not only marketing the … (2 comments)
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melissa polce: Short Sale Agents: Charlotte, Mooresville & Huntersville Distressed Property Division - 12/20/10 10:42 AM
Understanding Short Sales
As foreclosure rates hit record levels, more sellers are turning to short sales as a way to avoid foreclosure. So, how does it work? In a short sale, the seller arranges with their mortgage lender to accept a price that's less than the amount they owe on the property. As a result, the seller doesn't have to go through a foreclosure, the buyer picks up a property at a discount, and the lender avoids taking on the burden of unloading the property.
We have worked with over 35 Banks & Servicers, do you have a delinquent … (1 comments)
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melissa polce: ARE YOU FED UP OR EMBARRASSED BECAUSE YOU ARE BEHIND ON YOUR MORTGAGE? - 10/27/10 08:38 AM
Dear Mr. & Mrs. Seller-
I know that you have suffered some kind of hardship...and it is frustrating to be going through this experience. I bet you are fed up with the on-going months of lingering loan mods. and the unknown answers and the lack of answers...I bet you think about "just walking away" because you hate your lenders lack of heart and responsiveness...
You know that in 10 years that you still not recover the money you have into your home and that they won't accept a partial payement from you; infuriates you even more. Maybe you have made some "investment" … (4 comments)
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melissa polce: THIS EVER HAPPEN TO YOU? 232 DAYS ON MARKET...AND I TOLD YOU TO LIST IT AT $375K! - 10/25/10 12:25 PM
HAVE YOU HAD THIS HAPPEN TO YOU?
Just a quick funny for all of us who tend to run back over a listing...when we did not get the listing in the first place because we were HONEST ABOUT VALUES....
Went and interviewed for the listing, I told them list at $375K 8+ Months ago...SELLERS DID NOT LISTEN TO ME AND INSTEAD, LISTED WITH ANOTHER AGENT WHO DID LIST IT AT "THEIR IMAGINARY PRICE OF WHAT THEY THOUGHT THEY SHOULD GET OUT OF THE HOME"....
...TODAY, WHILE LOOKING AT A SEARCH FOR BUYERS...WHAT DID I POP BACK OVER?
YOU BETCHA, THAT SAME 'OL HOME … (3 comments)
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melissa polce: "FSBO, BUT WILL CO-BROKE"...YEAH-NOT SO FAST!! - 10/25/10 09:47 AM
I saw this ad in my Sunday newspaper...it was about a waterfront piece of property, my first thought was ..."mmm-someone from that Community had called me weeks before and did not like their outlook of what I had shared price wise with them, they also were more than UPSIDE DOWN on their lot"
...I obviously did not list the property and told them they should talk to their bank or try and get an OK to do a Short Sale on the lot..then we could talk again...
NOW...I am not sure it is them who put this ad in...but funny how … (3 comments)
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melissa polce: Sure I am A Regular RE Agent; but those Houses Aren't Selling.... - 10/14/10 10:58 AM
For the record, I am a REGULAR RE Agent(not just distressed sales people), I love homes that have plenty of Equity in them and that willing Sellers call me to list...except for 1 thing...I don't see alot of those selling right now...I have seen easily 15-20% of "NORMAL" listings turn to Preforeclosures, some of these homes, the Sellers never even mentioned it to their Realtors...until 2 months prior to foreclsoure when my Short Sale team was called in to help...
I again will love the days that I get to bring a "NORMAL SALE" to closing, with no arguments, no biting fingernails … (6 comments)
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melissa polce: Charlotte Homeowners: WHAT ARE THE PREFORECLOSURE & SHORT SALE OPTIONS, NOW IS THE BEST TIME ASK! - 10/11/10 02:13 PM
If you have or have not missed payements,
If you are struggling and wondering what should I do? what can I do? what are all the options?
Call one of our team members from THESHORTSALEAGENTS.COM and see if we can help.
Banks will now be looking into whether or not they can trully help you sell your home as a Short Sale and it is about time, RIGHT?. Banks have gotten the processes down to better timeframes and looking at different options to actually help you. With BofA stopping pending foreclosures for the moment we are seeing reduced timeframes in getting answers … (0 comments)
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melissa polce: SHORT SALES: YOU GET MORE WITH HONEY THAN VINEGAR - 07/16/10 08:38 AM
LISTING AND SELLING SHORT SALES IS NOT A HARD PROCESS...IF...
I hear all the time that agents have a tough time with "X" Bank and that this "Negotiator from X" is awful...SOMETIMES I AGREE...HOWEVER: if there is ever a time I have any amount of patience, it is with the Bank, it is with The Negotiator Assigned(and you may have 3-4 a transaction)...
1. Make your package an Easy Pick-Up & Review, have everything in the 1st time, you and I know it's easy to take a task you know will be completed quickly because all the work has been done...think about … (6 comments)
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melissa polce: Choosing A Short Sale Agent in Charlotte, NC - 06/14/10 01:54 PM
"This is probably the biggest tip I would give to people who want to sell their home in a short sale.
...FIND AN EXPERIENCED REAL ESTATE AGENT WHO HAS DONE A SHORT SALE BEFORE.
Your real estate agent will be able to deal and negotiate with the mortgage company(ies) on your behalf. An experienced short sale agent will give you the best chance of successfully short selling your home."
Author of: The DebtKid
Agents That Have Real Life Experience in Short Sales
The short sale agent handles complex negotiations with the bank. If the agent has no experience dealing with … (0 comments)
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melissa polce: Lender & Loan Servicer Loss Mitigation Phone Numbers & Contact Information - 05/06/10 01:47 PM
Lender & Loan Servicer Loss Mitigation Phone Numbers & Contact Information:
ABM AMRO Mortgage (800) 783-8900Web: https://www.mortgage.com/C3/application.busAccredited Home Lenders (877) 683-4466 AMC Mortgage Services (Also handles loans originated by Ameriquest and Argent) (800) 211-69261600 McConnor ParkwaySchaumburg, IL 60173Web: https://www.myamcloan.com/malwebapp/begin.doAmerican Home Mortgage Corp. (877) 304-3100*
Ameriquest Mortgage (Debt collection - see AMC Mortgage Services) (800) 211-6926
Aurora Loan Services (Debt collection) (800) 550-0508By Overnight Mail:601 5th AvenueScottsbluff, NE 69361Attn: Customer Service By Regular Mail:P.O. Box 1706Scottsbluff, NE 69363E-mail: ccnmail@alservices.comWeb: https://www.alservices.com/Consumer/UI/SSL/Authentication/Login.aspx?ReturnUrl=%2fConsumer%2fUI%2fSSL%2fServ icing%2fDefault.aspx
Avelo Mortgage LLC (866) 992-8356*Bank of America (800) 846-2222BB&T Mortgage (800) 827-3722* AmTrust Bank (aka Ohio Savings Bank) (888) 696-4444
Beneficial … (2 comments)
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melissa polce: What Service Are Some Real Estate Listing Agents Actually Providing? - 05/03/10 10:59 AM
Just as the 8K tax credit was expiring, I was showing property to a 1st Time Home Buyer...we later wrote an offer on a home that had been listed almost a year at close to the same price...Not being able to reach the small RE Agency on the phone, I had no one to ask about the pricing of the home...when we did finally talk to someone, he simply said in our OFFER OF over 90% asking offer that he was unsure...after he got with his folks, they came back at 5K off list price of $255K and said "ANYTHING ELSE WILL MAKE THEM … (0 comments)
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melissa polce: Custom Built Lake Norman Waterfront Home For Sale - 04/28/10 08:20 AM
SEARCH THE MOST UPDATED CHARLOTTE AREA LISTINGS AVAILABLE
SEARCH NOW FOR THE MOST UPDATED CHARLOTTE AREA LISTINGS AVAILABLE
Charlotte Multiple Listings Search
LET ME HELP FIND YOU YOUR NEXT HOME!
Melissa Polce mjpolce@kw.com 704-450-4335
www.MyRelocation2Charlotte.com www.ExclusiveHomesofCharlotte.com
… (2 comments)
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melissa polce: Distressed Properties Class: Listing Short Sales: Mindsets and The Short Sale Process w/Melissa Polce - 04/28/10 08:05 AM
Distressed Properties: Listing Short Sales: Mindsets and The Short Sale Process w/Melissa PolceWednesday, April 28, 2010 1:00 PM to 3:30 PM EDTTraining Room, CorneliusChapters 5 & 6 from the Distressed Properties Handbook:
Listing Short Sales course materials will be covered.You will learn:* Know lenders' and Asset Managers mindsets and motivation: Understand where the ultimate sellers are coming from--why they do what they do and how to work most effectively with them.
* Know the Short Sale Process: Know all the steps, from qualifying the seller and preparing the short sale package to submitting the offer and package, negotiation and … (0 comments)
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melissa polce: From Your Charlotte Short Sale Agent: How is Credit Affected By Doing A Short Sale? - 04/26/10 01:14 PM
Many people think a short sale will not affect their credit. There are factors with a short sale to consider which are very positive and much better than FORECLOSURE.
A short sale is definitely not a foreclosure. When you perform a short sale, you sell your property below the amount of money you owe on the mortgage loan. The bank approves the sale to occur because they want to get anything they can for a property rather than risk getting much less at the auction. You don't want a foreclosure on your credit so you would rather do a short … (0 comments)
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melissa polce: Pre-foreclosure Drastically Reduced Luxury Estate w/34 Acres, Waxhaw, NC - 04/19/10 04:43 PM
SEARCH THE MOST UPDATED CHARLOTTE AREA LISTINGS AVAILABLE
SEARCH NOW FOR THE MOST UPDATED CHARLOTTE AREA LISTINGS AVAILABLE
Charlotte Multiple Listings Search
LET ME HELP FIND YOU YOUR NEXT HOME!
Melissa Polce mjpolce@kw.com 704-450-4335
www.MyRelocation2Charlotte.com www.ExclusiveHomesofCharlotte.com
www.TheShortSaleAgents.com
… (1 comments)
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melissa polce: Charlotte Short Sales: Bank of America Loans or Mortgages; the HAFA Program - 04/16/10 01:29 PM
NEWS YOU CAN USE, IF YOU HAVE A POTENTIAL BANK OF AMERICA SHORT SALE...READ ON!
If You are looking to do a short sale, I can help. I have helped many homeowners close out the old chapter so that they can go on with a new chapter in life! Please call me today to see if we can help.
Bank of America has long has issues with their short sale process. I have personally heard from hundreds of frustrated buyers, sellers and Realtors across the country about the dismal record Bank of America has had with short sales. It has been … (2 comments)
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melissa polce: Shop, House, Dirt Race Track & 11+ Acres...$574K, Denver, NC - 04/15/10 03:41 PM
This is Land with a purpose!
Looking for a place to get away from the hustle n bustle of modern day life... yet make some money too?
How about a private workshop with plenty of room to wrench and a Private 1.5 Mile Race Track to play on with your toys?
Consider the life of living where you can shoot skeet or target practice right off the deck of your personal offices or secluded Loft?
The existing features of this property present endless oportunities suitable for either personal investments and or race and personal business needs!
Interested? Then you should continue reading and open your mind … (1 comments)
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melissa polce: Great Pre-Foreclosure Home in Huntersville, NC Community - 04/08/10 10:40 AM
SEARCH THE MOST UPDATED CHARLOTTE AREA LISTINGS AVAILABLE
SEARCH NOW FOR THE MOST UPDATED CHARLOTTE AREA LISTINGS AVAILABLE
Charlotte Multiple Listings Search
LET ME HELP FIND YOU YOUR NEXT HOME!
Melissa Polce mjpolce@kw.com 704-450-4335
www.MyRelocation2Charlotte.com www.ExclusiveHomesofCharlotte.com
www.TheShortSaleAgents.com
… (0 comments)
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