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Each month AR runs numerous contests as a way for our members to engage in activities
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Ask a Real Estate Question
Here's another avenue for you to build relationships with others. Share your expertise with someone searching for answers.
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Your Homepage will alert you of new questions in your state
A wonderful way to open a door to a possible new client
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These state pages or hyper-local pages provide content directly related to a specific geographical location.
State, County, City and Neighborhood pages make it easy for consumers to find what they're looking for.
Post your listings, school information, local events, market reports and more
Consumers peruse these pages for information
Farm your niche market and cover all the happenings in your neighborhood
Bank of America loan application derailed by loan officer who shoots first and never asked a question
Buyer’s offer on a short sale duplex in Alameda CA was accepted. He was going to put down $250K on a $450K property, and borrow the rest.
One would think that with such a substantial down payment, the buyer is hardly a credit risk.
After receiving the HAFA short sale approval and the buyer and his agent were formally notified, they worked on getting the loan processed. Three weeks later, the loan officer said they were backed up, and will need more time. The seller agreed to a one week extension for he loan approval.
Another week passes, and the loan officer said they have all the documents from the buyer, and are simply “lining up” for underwriter approval. But just the same, could they get an extension?
The short sale negotiator responds via email, granting approval, and indicates on the Request for Approval of Short Sale (RASS for HAFA) form when to close escrow.
Loan officer emails the buyer’s agent that
“I don’t feel comfortable with this loan and we will have to decline this loan as the contract had been altered.”
Nothing changed: same price, same terms, same conditions.
The only thing that did change was the closing date, and it was noted on the RASS form
No one could understand why the loan officer declined the loan, especially this close to getting underwrited approval.
Buyer’s agent attempts to escalate, gets nowhere, and gets no viable explanation.. Listing agent even contacts Bank of America Twitter to help them. But Buyer, being extremely frustrated, especially after having spent money on inspections and appraisal, gives up and cancels the agreement.
They asked for the extension. When it was granted, and the change was made on the RASS form, they arbitrarily decline the loan without getting an understanding of what transpired due to their own delay.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.