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What does a Crestview Florida VA Compromise Sale Approval Look Like from Bank of America?

By
Real Estate Broker/Owner with Rulnick Realty, Inc.

 bank of America VA Compromise

I just received an approval on a Crestview Florida short sale.  Not just any short sale, but on a VA Compromise Sale.  When a U.S. veteran has a VA guaranteed mortgage loan, and sells his home in a hardship situation for less than the mortgage balance, there will not be enough to pay back his VA entitlement.  That is called a VA Compromise Sale or Offer in Compromise.  In that case, when working with Bank of America, you won't see the dreaded "Deficiency" approval letter, where they "reserve the right to pursue a deficiency".

 Here is the approval letter for a Bank of America VA Compromise sale:

bank of America VA Compromise

If you need to do a VA Compromise sale or use the HAP program in Crestview, Niceville, Destin, Fort Walton Beach or Navarre, Florida, you should contact an experienced real estate agent.  In fact, I am thinking of one right now :)

It's Wendy!

Wendy Rulnick, Broker, CRP, CRS, GRI, ABR     Rulnick Realty, Inc.

Call toll-free 1-877-ITS-WNDY (1-877-487-9639) or local 850-650-7883 ext 204

Email Wendy: itswendy@rulnickrealty.com

Fort Walton Beach Florida Real Estate

Short Sales, HAP and Offers in Compromise - Pre Foreclosure Help.

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"It's Wendy... It's Sold!"

Wendy Rulnick, Broker/Owner Rulnick Realty, Inc.

Call Wendy Rulnick 1-850-259-0422

email itswendy@rulnickrealty.com

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Wendy Rulnick helps real estate buyers and sellers on the Emerald Coast of Florida.

Rulnick Realty

 

Show All Comments Sort:
Sharon Alters
Coldwell Banker Vanguard Realty - 904-673-2308 - Fleming Island, FL
Realtor - Homes for Sale Fleming Island FL

Wendy, congratulations on yet another Short Sale Approval. You are the Destin Short Sales - Emerald Coast Florida Real Estate Expert!

Mar 04, 2010 11:28 AM
William J. Archambault, Jr.
The Real Estate Investment Institute - Houston, TX

Wendy,

Thanks for the information.

How long did it take?

Bill

Mar 04, 2010 12:37 PM
Melissa Zavala
Broadpoint Properties - Escondido, CA
Broker, Escondido Real Estate, San Diego County

Wendy: This is great information for those who are not experienced with this kind of transaction. Clearly you are the Destin (and surrounds) expert on this and many other matters.

Mar 04, 2010 01:57 PM
Jared Hokanson
Hokanson Realty & Jared Realty Group - Medford, OR
Your Home Sold, GUARANTEED!*

Nice work Wendy!

Mar 04, 2010 03:39 PM
Gabe Sanders
Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales - Stuart, FL
Stuart Florida Real Estate

Nice job Wendy.  Interesting.  Short and sweet, it's the way I like to see them!

Mar 04, 2010 10:43 PM
Laura Giannotta
Keller Williams Realty - Atlantic Shore - Little Egg Harbor, NJ
Your Realtor Down the Shore!

Go Wendy...I see they're giving a closing date of 4/28, do they alway give so much time?

Mar 04, 2010 11:02 PM
Wendy Rulnick
Rulnick Realty, Inc. - Destin, FL
"It's Wendy... It's Sold!"

Hi Bill- The VA Compromise approval took about four months.  The VA delegates the process to whichever lender is servicing the loan.  So it really gets thrust into the Loss Mitigation/Short Sale department.  It could take a few to six months...

Laura - I think they are increasing time to close due to worries over new HUD

Mar 05, 2010 12:49 AM
Damon Gettier
Damon Gettier & Associates, REALTORS- Roanoke Va Short Sale Expert - Roanoke, VA
Broker/Owner ABRM, GRI, CDPE

Congratulations Wendy!  I am in the middle of two short sales now....both with Bank of America.  I am glad to know that someone can get one closed through them.

Mar 05, 2010 01:10 AM
Joe Sosky
KW Commercial - Vancouver, WA
Commercial Real Estate Broker - (360) 816-9652

Thank you for the information on a VA loan.  You are a wealth of knowledge.  Do you have a commercial agent to team with as that segment enters into the next phase?  With your knowledge and contacts, how will take advanatge of the commercial wave?

Mar 05, 2010 07:30 PM
Maya Thomas, Broker
Tampa, FL
Please see my client recommendations.

Cool, thanks Wendy!  Congratulations on another short sale approval!  You are the Queen!

Mar 08, 2010 05:06 AM