Real Estate Experts

<p> Happy St. Patrick&#39;s Day from the gang at RealTown.com </p> <p> <img hspace="5" vspace="5" width="221" height="444" alt="" src="http://www.realtown.com/members/john/files/PaddyJR(2).jpg" /> </p>

<p> I was denied a credit card at Wells Fargo, the lender I have my 18 month old mortgage with. I have never been late with my mortage payments and when I went to check my credit score with Experian I had a score of 670.<br /> I checked it on another website and the score was 713. When using annualcreditreport.com my Equifax report appeared to be okay, however I did not receive an exact credit score. When the annualcreditreport.com went to retrieve my TransUnion report I received a invalid ssl certificate warning so I did not continue.<br /> The employee at Wells Fargo said they could not tell me what credit reporting company they were using when I was denied a credit card. How should I go about resolving this? </p> <p> </p>

<p>Hello,</p> <p>I&nbsp;am a new real estate agent.&nbsp; My first listing is a rental property.&nbsp; I have a inquiry from a prospective buyer who really wants to purchase the home.&nbsp; My client for personal reasons did not really want to sell but told me that if the buyer offered &gt;than a certain amount she would consider it.&nbsp; The prospect responded with another inquiry to Lease Purchase at the price the client would consider.&nbsp; What details should I&nbsp;keep in mind and what are the pitfalls, if any for the seller.&nbsp;</p>

<p>I used to have a website with 1ParkPlace when I&nbsp;was&nbsp;with Prudential.&nbsp; I have been with ERA Herman Group Real Estate and am paying for a website created by their IT Department.&nbsp; I'm unhappy with the website and am looking for something better. &nbsp;I'm paying $69 per month now.&nbsp;</p> <p>I had learned how to use the 1ParkPlace website and was pretty happy with it.&nbsp; I had all kinds of cool stuff on there that wasn't all Real Estate related, but it got people on the site, kept them there, and I&nbsp;got lots of compliments on my website.&nbsp; I had pictures of our Labradors, links to puppy videos, local traffic, restaurant info, etc., but I&nbsp;never got much business from it in terms of internet hits.&nbsp; Most people visiting the site got there because I sent them there.&nbsp;</p> <p>My current website is difficult to use, difficult to update, and worst of all, customers hate it.&nbsp; People send me emails saying the site is not user friendly.</p> <p>I would like a website that is relatively easy to add content to, is visibly appealing, doesn't cost an arm &amp; a leg, and allows me to modify keywords or optimize in some manner to hopefully get more internet leads.&nbsp; I am tired of paying my company large &quot;referral&quot;&nbsp;fees or commission splits because they sent me an internet lead.&nbsp; The leads I&nbsp;receive are too far &amp; few between, and are poor leads.&nbsp; I know that internet leads are a numbers game, but I feel there has to be a better way!&nbsp; I know that many of the ePRO's use the Point2 websites.&nbsp; I just wondered what advice or recommendations you might have.&nbsp;</p> <p>Thank you,</p> <p>Debbie Bates</p> <div style="margin: 0in 0in 0pt"> <div style="margin: 0in 0in 0pt">&nbsp;</div> <span style="color: blue; font-family: 'Arial','sans-serif'">Debbie Bates, Realtor, ePro, GRI</span></div> <div style="margin: 0in 0in 0pt"><span style="color: blue; font-family: 'Arial','sans-serif'">ERA Herman Group Real Estate</span></div> <div style="margin: 0in 0in 0pt"><span style="color: blue; font-family: 'Arial','sans-serif'">Phone: 954-557-7036</span></div> <div style="margin: 0in 0in 0pt"><span style="color: blue; font-family: 'Arial','sans-serif'">Toll Free Fax: 888-329-8030</span></div> <div style="margin: 0in 0in 0pt"><span style="color: blue"><a href="http://www.HomesInLauderdale.com"><span style="font-family: 'Arial','sans-serif'">www.HomesInLauderdale.com</span></a></span></div>

<p><em><strong>Ok i work in a Restuant and my Boss there is my Land lord, we Started to build a house, and the trailer house that me and my family Lives in. He knows that it is falling apart, there is no contract or anything. when we started on the other house it was not inspected or any kind of document on what we did but the point is ok. the trailer we live in he knows that it is unsafe we can not have gas cause of the electric in order for me to fix the water lines i have to turn the elictric completely off.&nbsp; ok we can not afford another place any time soon. what ever he can do he taking my personal life at home to work and useing it againts me trying to get me to quite my job i was a supervisor there and it was told that cause im not paying him any rent. </strong></em></p> <p><em><strong>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; p.s. </strong></em></p> <p><em><strong>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; I dont no what else to do or go to get help</strong></em></p> <p>&nbsp;</p>

<p>I am a Rookie, well trained, I attend every sales meeting, class, webinar that I&nbsp;can.&nbsp; I live in Prince George County Maryland and after sending out thousands of letters, making phone calls &nbsp;to expireds, for sale by owners,&nbsp; banks, I still don't have one listing.&nbsp; There are tons of foreclosed, bank owned and reo properties in this county but no &quot;veteran agent&quot; who is willing to share with me how to go about getting one&nbsp; of&nbsp; these listing.&nbsp; Is this the big secret?&nbsp; Can someone out there lead me in the right direction.&nbsp; Currently, I average about 5 BPOs per week for various vendors but they are not asset owners.&nbsp; I&nbsp;appreciate some advice.&nbsp; My e-mail address is <a href="mailto:joycealstonrealtor@verizon.net">joycealstonrealtor@verizon.net</a>.&nbsp;</p>

<p>can you import email addresses</p>

<p>Hi&nbsp;All,</p> <p>Can anyone recommend or has experience using a workflow/tracking software to monitor their sales staff? As we all know the processes in our business&nbsp;are key so we can make sure our leads are getting burned. Please advise....</p> <p>Thanks</p>

<p>I belong to the Dallas metro-tex association of Realtors. Our MLS system has recently gone from a program called Rapitoni to Innovia. I am having trouble working with this system. It seems like a very poor substitute for the Rapitoni program it replaced. Admittedly I have not been to the board sponsored training yet as it is booked up. I have two classes scheduled for the end of March. Does anyone have experience with Innovia that is either positive or negative that they can share with me?</p>

<p>Where can I find a discussion about the apparent poison pill in the bill?</p>

<p>I used to post to realtalk until it became counterproductive with just a few vicious people blasting each other.&nbsp; I want to find an agent in Jacsonville FL, preferably an ePRO, to whom my Brokerage can refer relocating military personnel.&nbsp; How do I do that?</p> <p>I can find relevant information but there is no where to &quot;post&quot;</p>

<p>Does anyone have any recent experience with Chase on allowable seller credit amounts. My expereince with Wells and BofA is 3% max. I have a buyer wanting a 5% credit on a USDA loan. Will they agtee to this?</p> <p>&nbsp;</p> <div style="margin: 0in 0in 0pt"><b><span style="font-size: 14pt">Cole S. Smith, Broker-Owner, CRS</span></b><b><span style="font-size: 10pt">, </span></b><b><span style="font-size: 14pt">e-Pro</span></b><b><span style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp; </span></b></div> <div style="margin: 0in 0in 0pt"><b><span style="color: #0c0cbc; font-size: 10pt"><br /> </span></b><span style="font-size: 10pt">2241 Park Pl. Suite D, Minden, NV&nbsp; 89423<br /> 775-782-5100 Bus.&nbsp; 775-690-2916 Mobile&nbsp; 775-782-5180 Fax<br /> <span style="color: #3333ff"><a href="mailto:csmith@e-snrg.com"><span style="color: #3333ff">csmith@e-snrg.com</span></a>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <a href="http://www.e-snrg.com/"><span style="color: #3333ff">www.e-snrg.com</span></a>&nbsp;&nbsp; &nbsp;&nbsp;<a href="http://www.jpranch.com/"><span style="color: #3333ff">www.jpranch.com</span></a></span></span></div> <div style="margin: 0in 0in 0pt"><span style="font-size: 10pt">Search Foreclosures &quot;Real Time&quot;: <a href="http://www.e-snrg.com/Foreclosures-Real_Time/page_2286945.html"><span style="color: windowtext">Foreclosure Search</span></a> </span></div> <div style="margin: 0in 0in 0pt"><span style="font-size: 10pt">Click here&nbsp;for fabulous mountain home: <a href="http://www.tourfactory.com/548346"><span style="color: windowtext">231 Sheridan Creek Ct.</span></a></span></div> <div style="margin: 0in 0in 0pt"><span style="font-size: 10pt">Ocean Front Vacation Rental-Mexico: <a href="http://www.beachfrontvilla-mexico.com/"><span style="color: windowtext">www.BEACHFRONTVILLA-MEXICO.COM</span></a></span></div> <div style="margin: 0in 0in 0pt"><span style="font-size: 10pt"><a href="http://www.e-snrg.com/sign_up.asp"></a></span></div>

<p><!--StartFragment-->A couple and I (3 people in all) decided to purchase land in Las Vegas about 3yrs ago with the intent of eventually building on it as a primary residence. &nbsp;The land is under HOA rules and construction must begin soon, or monetary penalties will start incurring. &nbsp;We have a 3yr ARM loan, which we are current on, but the payments will balloon in about 2months. &nbsp;In 2months, I am afraid we will not be able to keep up the payments. &nbsp;The original intent was to start construction by this stage of the game, and obtain a construction loan to cover construction costs and the original land loan. &nbsp;With the current market situation, we don't believe we will qualify for a construction loan. &nbsp;The land is now worth 1/2 of the original loan amount. &nbsp;The original Bank lender was Amtrust, which has since failed. &nbsp;The loan was acquired by NY Community Bank. &nbsp;Before we started to default on payments, we asked a real estate agent to intervene with NY Community Bank to allow us to buy our own bank note (short sale to ourselves). &nbsp;It appears that NY Community Bank still has Amtrust handling the loan, and their reply to us was that new regulations within the last several weeks have made such deals &quot;illegal&quot;. &nbsp;Questions I have are:</p> <p>1) Is it true that new regulations have made such deals &quot;illegal&quot;? &nbsp;If so, where can I find such a regulation to read up on it?</p> <p>2) Does this situation qualify as an example of what George Mantor refers to as a separation of the Note and the Deed of Trust, so that the land may not be &quot;foreclosurable&quot;. &nbsp;&nbsp;Mr. Mantor was referring to homes; does land qualify? &nbsp;Should I be asking my lender for a Qualified Written Request to produce the Note and Deed of Trust?</p> <p>3) Does Obama's Home Affordable Modification Program effective 4/1/10 in which lenders must respond to potential buyers within 10days apply here, since we are dealing with land and not a physical home?</p> <p>4) What are my options?</p> <p>Thanks in advance for any help.</p>