Port Saint Lucie, FL

HOA Documents

I'm listing a property in a new subdivision and another agent just asked me why I'd want to read them before I list the property. (When I say new subdivision, less then five resales have taken place in the whole community so far.)

Interesting question- I've put a plan in place to become the most productive agent in the "New Area" of town. I've lived here for over five years now. Visiting association board meetings, reading HOA documents, talking to builders has given me a distinct advantage over other agents.

More importantly I become the sourse for all the real estate information in the community,

Why do you think a listing agent should read the docs before listing?

Brian Sharkey Can be reached via email at Brian@Briansharkeyrealestate.com or by phone at 772-579-1981.

Freddie Mac still does not come clean. They keep passing the buck. They keep making up excuses as to why they can not even just give one simple answer. They make empty promises.

Read Freddie Mac- Does Anyone There Know How To Read- Part I, to understand the history of this short sale file.

We have never lost a short sale due to our negotiations. Every listing we take goes through an intake evaluation to get everyone on the same page, to make sure the seller understands what a short sale is, to analyze the seller's commitment to the short sale process and to evaluate the chance for success of the short sale.

We have a 100% closing ratio because we do not give up on our sellers no matter what monster shows up. This would be the very first file that we will lose to a short sale rejection.

So here is the update to what is going on:

The homeowner wants to know why her short sale was rejected when she meets all of Freddie Mac's guidelines.

The seller has been on the phone with Freddie Mac every day trying to get an answer.

She finally reaches a supervisor who promises to help her find her answer. All she wants to know to begin with is why she was rejected. She has now gone through 3 employees at Freddie Mac with not one of them giving her the reason for the rejection. The last person says to her:

This is directly from our seller as to how she is being treated:

Aegis Communications Group just leased 33,000 sqaure feet in St. Lucie West. Aegis is a call center handling calls for Avis, Carnival Cruise Lines and Travelocity. This new location for Aegis is across the street from Tradition field and just down the street from QVC. With more than 30 facilities in the United States, it is great to see Aegis set up shop an even larger shop in Port St. Lucie.


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Freddie Mac- Is there anyone there that knows how to read? Our last hope is that someone there in your office has the decency to respond to our many requests and the homeowner's many requests for help.

Freddie Mac- You rejected a short sale work out program for this homeowner and we had 2 buyers ready to pay the appraised price for this property. Your appraisal came in below what the buyers are willing to pay for this house.

Freddie Mac- The homeowner even hired an attorney to make sure there was nothing amiss in the short sale documents. You sent this file to your legal department and then never disclosed the reason it was sent to your legal department. So much for the transparency that was promised.

Freddie Mac- Chase is the servicer for this note that you own. Our negotiator at Chase is the trainer for Freddie Mac loss mitigation.We know she knows what she is doing. She is highly respected and competant. She saw no issues with this work out package. In fact, she was fully expecting an approval from Freddie Mac.

Freddie Mac- You send Chase a denial letter for the short sale along with stating that you will not approve any work out program for this homeowner. So you want to own another home in Port St Lucie and then sell it in a declining market as a foreclosure instead of providing a home for a new buyer who is qualified and ready to buy this property?

Freddie Mac- Chase stopped the sale of this house back in July in order to process the short sale. The negotiator was so sure this would go through as we did also and the homeowner's attorney also thought this was a slam dunk short sale approval that they stopped the sale at the courthouse. As soon as you reject the short sale you put the property back up on the auction block with a date of October 27.

Freddie Mac- The homeowner has asked you over and over again for a reason for this rejection in case there is something that could easily be worked out. You stated back on August 16th that you would generate the letter. As of today neither us nor the homeowner have received any thing from you with a reason for the rejection. This is the first time since 1995 of doing short sales that we have run into such a stumbling block and one that is created by Freddie Mac.

The homeowner and we who are her agents have written letters, faxes and emails to all the chain of command at Freddie Mac and the Senators and Congressmen in Washington DC to beg for someone to care enough to respond. Time is of the essence. There has to be a reason and this rejection needs to be overturned because there is no possible legitimate reason why this short sale was rejected when it met every criteria that Freddie mac requires. (Unless you are discriminating against female senior citizens- we have not ever seen anything like this in our entire careers.)

The following people have NOT responded!

• Mr Bruce Witherell, Chief Operation Officer at Freddie Mac,
• Mr Donald J Bisenius, Executive Vice President Freddie Mac,
  
• Mr Charles E Halderman CEO of Freddie Mac,
  
• Senator Bill Nelson,
  
• Congresswoman Caroline McCarthy,
  
• Congressman Tom Rooney.

Senator Charles Schumer is the only one who responded. He sent a letter he wrote in behalf of the homeowner, our letter and our homeowner's letter directly to Mr Bernard Fulton who is the Deputy Assistant Secretary for Congressional Relations for the US Department of Housing and Urban Development. We have not heard from Bernard Fulton as of this date. We are very thankful to Senator Charles Schumer for his help in trying to get this situation in the right hands.

Freddie Mac- You can contact Nestor Gasset and Katerina Gasset at 561-753-0135 to get us the answers and remedies we are seeking.

FTC Disclosure: This post may incite, motivate or encourage a homeowner somewhere to contact us to list their property as a short sale because they see that we will fight to the bitter end to make sure our sellers get a fair shake and positive outcome to their short sale.

To view Florida Short Sales- Click here. We know Palm Beach County Short Sales and Port St Lucie Florida Short Sales and will help you get your home Sold if you need to Sell your home and help you buy your home in Palm Beach County Florida : Call us today.

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