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Broker Barbara Gregg, of Diva Properties describes how a strategic short sale can be a better alternative than just walking away, for someone about
to lose their home. Let Barbara help you
through the process. Call her at303-757-7900
Interviewer: Tell me a little bit about what your feel is
on how the Denver
economy is going in real estate right now.
Barbara Gregg: I
think Denver is
very strong, big part of that is we are organic, there is no device we've
got, we've got our industry, power,
energy, mining is big right now, we've got agriculture, so we have a lot to offer as well as the amenities, so
we are certainly one of the strongest in
Interviewer: You do a lot of short sales; we've done a lot of short sales in the last few years,
how receptive do you think the banks are right now, and how they are
responding, and that sort of thing.
Barbara Gregg: Well the
banks have gone through a huge metamorphosis, at how they look at short
sales, they want to do them now versus before they didn't, and I think they
have decided that it actually helps their bottom line to do a short sale. So Fannie Mae and Freddie Mac just passed a
rule where they have thirty days to give a short sale approval. Now I don't
know enforcement, I don't know how that is going to look, but as of June 15th,
they have 30 days to get short sales
approved, or not approved, so that should be huge.
Interviewer: Awesome, so there's been a lot of talk about strategic default, can you explain that
and what are your views on that?
Barbara Gregg: Well the strategic
default, that is when people can and have the ability to pay the mortgage,
and they look at the situation, and they choose not to. They say, "Well the home is underwater
by $200,000." I mean there are strategic
calculators, there are strategic monitors and there are books to help people go
through and see, you know, the long term picture- does it serve me to continue to
pay the mortgage?
Barbara Gregg: So, in Colorado, it's not so big, in places
like Florida and California, it's huge, because people paid $500,000 for a
house that is worth $150,000. You know, at that point you keep paying your
500,000 dollar mortgage, does it make sense.
Interviewer: Now can you define what tactical
short sales are?
this is my favorite; "tactical" is what I call a strategic short sale, because
the definition of tactical is strategic.
But the difference is that people that may not have the option of
paying, both with strategic, they are making a choice, they can pay, they
choose not to, but tactical people have lost their jobs, there's been health
issues, they are no longer able to continue to pay, with that they lose their
power, they go into the panic, the fear, the humiliation, and then they make
bad decisions. So with tactical what we
try to do is give them the same options that people that are using strategy,
and we just turn it around, and say okay we'll look at your fear, we'll look at
your humiliation, we'll look at your shame, we'll look at your pain, lets look
at all that, because it's real, but then lets move on, and make great
decisions, so things look better in six months.
Interviewer: Right, right.
Barbara Gregg: Now and, generally what happens is people
will get afraid to move out of the house, and that's honestly the worst thing
they can do...
Interviewer: ...without taking steps to maybe short sale it do modifications or
something to that nature, is that correct.
Barbara Gregg: And
there's all kinds of laws being passed right now, with the refinancing, so even
if they have tried to refinance, provided that there is the money there,
provided you know if you have lost your job, they are not going to refinance,
if you don't, if you cant prove income to cover it, then we need move on, and
look at bankruptcy.
You know, a lot of times people will say, "Barb we just, we
want our kid to graduate from the house, we need nine months." I
can get them nine months, and we do that-strategically, it doesn't just
happen, we have to have a plan, and we have to work the plan, so that's why
it's important to work with a specialized short sale agent, that they can make
help make things better, instead of status quo.
Interviewer: Right, so what's the best way people can get
a hold of you if they want to buy or sell their homes?
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.