Certified Foreclosure Specialist

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Your Loss Mitigation specialist

Buyers of Foreclosure & Short-sale

STRIVING for STRESS-FREE HOME BUYING

SIMPLY GIVE OUT MY NAME & PHONE INSTEAD OF YOURS... while you are previewing an Open house. They will call me back instead of you. As your agent, I am willing to work on your behalf...

Also, while you are House Hunting and drive by a sign posted "For Sale", you can give call them and give out my name and then give me the address & phone number on the sign and I will find out even more information for you. In additon, if you find a home listing on the internet, write down the MLS #, text it to me so I can do the digging again to be sure they are still available and not pending in escrow or already sold. I can set up private Showings if you like, for the homes you may want. I want your shopping for your new home to be a very pleasant experience.

SHOP with HOPP !

I AM NEVER TOO BUSY FOR YOUR REFERRALS

GINGER HOPP, BROKER/REALTOR/CFS
(707) 790-0022 Eagle Eyes Realty
Call for your personal Consultation

Certified Foreclosure Specialist (CFA)
Loan Modification Analysis
Short Sale Packaging

TO MY BUYERS: I want to take the stress out of your House Hunting. So, when you go to open houses, just give out my name instead of yours and let them know that I will contact them later... FOR YOU.

Save more than normal retail home prices by using a Certified Foreclosure Specialist as your Realtor, you can be Confident in choosing:

Short Sales for Sale
REO - bank owned
MLS ~ Multiple Listing Services of Northern CA


SIERRA FOOTHILLS ... includes country living: Horse Property, Working Ranches, Estates on Acreage, Lake Communities, Golf Course Communities



NEVADA COUNTY - CA
GRASS VALLEY LIVING
Penn Valley, Nevada City, Grass Valley, McCourtney, Lake Wildwood, Lake of the Pines, Pearsdale/Chicago Park, South County



PLACER COUNTY
Auburn, Granite Bay, Roseville, Lincoln, Rocklin, Loomis, Penryn, Newcastle, Colfax, Meadow Vista, Wiemar, Foresthill, Applegate,Tahoe


SACRAMENTO COUNTY
Folsom, Orangevale, Fair Oaks, Citrus Hts, Antelope, Elk Grove, Sacramento






SF BAY AREA ~ WINE COUNTRY

MARIN COUNTY

SONOMA COUNTY

NAPA COUNTY

SOLANO COUNTY

MENDOCINO COUNTY

LAKE COUNTY

Loss Mitigation Packaging:

I do Short Sale Packaging for Real Estate Agents

If you have several short sale Listings and don't know if you are packaging them right or asking your clients for the right documentation that the banks now require, hire me to be your Short Sale Facilitator.

I will take care of all the Administrative work for you and negotiate with the lenders for you and your clients while you go out and get more listings.

FEE ? NO CHARGE to Real Esate agent, I charge the lender an Administrative fee, instead of taking it out of your Listing commission like most of the companies do that offer this service. I know you work hard for your commission because I have been a Realtor myself since 1998. So many companies out there charge a percentage of your listing fee and that's not fair. I don't want your money, I want your repeat business and referrals to other agents. As the Short Sale Facilitator, the lender is happy to pay me a fee for handling the paperwork correctly. They really are too busy to work with Listing agents that don't have all their ducks in a row. As the Listing agent, you don't have to sit on the phone with the lender (I know you all hate that anyway). I will work hard for you, and fight for the deal because I only get paid with a successfully closed escrow, just like you.

Call me today and have me take over your paperwork for the short-sale packaging. You will know it is being done correctly by someone who has been trained and Certified specifically for your success and mine. Hire me and you can go out and List more properties with your free time.

Chapter 1 Understanding Foreclosure
The importance of understanding foreclosure, foreclosure defined, how lenders accelerate foreclosure timelines, six basic steps to foreclosure.

Chapter 2 Mortgage or Deed of Trust
Why Real Estate Agents need to understand the importance and difference relative to foreclosure, each loan instrument defined in detail and how applicable to foreclosure

Chapter 3 - One on One with the Pre-foreclosure Prospect
Pre-foreclosure prospects state of mind, putting them at ease, setting the table, providing post sale relocation options.

Chapter 4 - Homeowners Alternatives to Short Sales
Why an overview MUST be a prerequisite before any hands on representation, representing client interest is a legal responsibility, the five alternatives to foreclosure, what is FHA Secure, the natural segue into the first 2 profit centers, Home Redemption Business and Listing Short Sales.

Chapter 5 - The Home Redemption Business Model for Real Estate Agents
THIS IS AN UNTAPPED MARKET AND A NATURAL EXTENSION OF YOUR EXISTING BUSINESS! Is loan modification a feasible option, lenders criteria for modification, complete Home Redemption Business model, average fee to charge, information to collect from borrower, maximizing approval rates, working with the lender on behalf of the borrower. BONUS MATERIAL: Necessary contracts, agreements, checklists, forms and actual case study of a loan modification.

Chapter 6 - Foreclosure and short sale consequences
The consequences of foreclosure and short sale, requirements of a Real Estate Agents to disclose prior to listing, addressing deficiencies and tax liabilities, what is HR 3648. BONUS MATERIAL: Sample promissory note.

Chapter 7 - Listing Pre-foreclosures properties
This is an expanded version explaining Listing and Selling Pre-Foreclosures. Comprehensive definition, detailed components of a short sale package, nuances of listing the property, importance of the lenders BPO and the BPO the agent performs, the HUD-1 settlement, dealing with multiple lien holders, dealing with all the lender responses, changing MLS status, representing short sale buyers, complete marketing strategy to gain pre-foreclosure leads, detailed prospecting script. BONUS MATERIAL: Agreements, contracts, case studies, forms: hold harmless agreement, short sale checklist, 3 detailed case studies with lien releases, Sample HUD-1 and MLS print outs, authorization to release, Repair bid template, Blank BPO template, completed BPO, financial statement, short equity addendum, direct mail and display ad samples.

Chapter 8 - Broker Price Opinions
This is an expanded version explaining The BPO Business. BPO defined, who orders them and for what, typical variables on all BPOs, what BPOs pay, ways BPOs serve agents, information to gather prior to applying, how to convert BPO orders into listings, getting paid more than the initial offer amount. BONUS MATERIAL: Sample BPO application, completed BPO example.

CHAPTER 9 - Listing and Selling Bank Foreclosures
This is an expanded version explaining how to Become an REO Power Lister. Overview of industry, who hires Real Estate Agents , commissions, when assets are assigned, REO agent detailed service model, what departments to prospect to and whom within the company does the hiring, prospecting script, importance of broker price opinions, reimbursement of expenses, the import of your contractor team, marketing plan to gain new business. BONUS MATERIAL: Sample Master Listing agreement, sample REO Broker service manual, REO Marketing case study with MLS listing

CFS Appendix
Glossary
State by State Foreclosure Laws
CFS Final Test

-103 Loss Mitigation Departments
-119 Lender REO Departments
- 81 BPO Vendors
- 59 REO Management Companies
- 14 REO Organizations
-323 Lenders that report to have their own internal REO Department

C.F.S. COURSE MATERIAL ~ COMPREHENSIVE COVERAGE
Overview of CFS designation & the 4 Real Estate Agents roles

Hopp for Action ... ... then, start packing !
 
Your ' NEXT'  Realtor                                                                                     TESTIMONIALS
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GINGER  HOPP   BROKER CFS #01240587        Realtor Since 1998

EAGLE EYES REAL ESTATE

Placer County CA ~ Nevada County CA, Sacramento County, Marin County CA, Sonoma County CA, Napa County CA plus few other cities 

 (707) 790-0022 
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Ginger@HomesRwe.com "Certified Foreclosure Specialist"  
                 Specializing in NOTES @ 55% of current market value
Suberb Professional Service = hard work, low pressure, & market knowledge
at  55%
Cash-To-Value