Archive for June, 2010

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Strategic Default-Fannie Mae Increases Penalties

Thursday, June 24th, 2010

Strategic Default

As discussed in previous posts, strategic default is an intentional decision by a borrower to stop making their mortgage payment. What’s interesting with a strategic default is-the borrower can usually afford to make their payment but strategically choose not to because they believe it’s better for their finances. Strategic default usually happens when there is a substantial difference between what is owed on the home and what it’s actually worth, commonly known as being “underwater”.

The process that is Strategic Default is not thought of kindly because of the effect it has and continues to have on our and many other housing markets.

In an effort to stop (or at least get some to think again) Fannie Mae announced policy changes on Wednesday 6/23/10 designed to encourage borrowers to work with their lenders/servicers and explore alternatives to foreclosure. Under these changes, defaulting borrowers who walk away from their homes that had the capacity/ability to pay or did not complete a workout alternative in good faith will be ineligible for a new Fannie Mae-backed mortgage loan for a period of seven years from the day of foreclosure.  In addition, Fannie Mae said it “will take legal action to recoup the outstanding mortgage debt from borrowers who strategically default on their loans in jurisdictions that allow for deficiency judgments.” According to DSNEWS.com, an announcement is expected next month, where the company said it will be instructing its servicers to monitor delinquent loans facing foreclosure and put forth recommendations for cases that warrant the pursuit of deficiency judgments.

“We’re taking these steps to highlight the importance of working with your servicer,” said Terence Edwards, executive vice president for credit portfolio management. “Walking away from a mortgage is bad for borrowers and bad for communities, and our approach is meant to deter the disturbing trend toward strategic defaulting.”

Conversely,  Edwards said borrowers facing hardship who make a good faith effort to resolve their situation with their servicer will preserve the option to be considered for a future Fannie Mae loan in a shorter period of time.

According to Fannie Mae, troubled borrowers who work with their servicers and provide information to help the servicer assess their situation can be considered for foreclosure alternatives, such as a loan modification, a short sale, or a deed-in-lieu of foreclosure. Fannie Mae said borrowers with extenuating circumstances (attempt to lessen the magnitude or seriousness of) who work out one of these options with their servicer could be eligible for a new mortgage loan in three years and in as little as two years depending on the circumstances.

So, what does this mean to anyone “underwater” considering a Strategic Default?  Well, that remains to be seen.  There are arguments that Arizona is an anti-deficiency state-preventing lenders from pursuing a deficiency judgment.

A deficiency judgment is a judgment lien against a debtor, defendant or borrower whose foreclosure sale did not produce sufficient funds to pay the mortgage in full. This option may or may not be available to the lender, depending on whether they have made a recourse or non recourse loan.

So, what should you do?

Although many are considering a strategic default here in Arizona, before executing one you might consider talking to a Real Estate Attorney to discuss your loans and whether deficiency protection applies.  You may find that a short sale would be a better option for you.

As a marketing representative for a national title insurance company, I work with some of the best and brightest Real Estate Attorneys and Realtors in the Phoenix Metro area. Please feel free to contact me for a referral to a local Attorney or short sale Realtor to guide you through the process.

For All Yor Marketing, Escrow and Title Needs

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Hyper-local marketing-Yes, It’s A Big Deal For Your Real Estate Business

Tuesday, June 22nd, 2010

As a sales person, the Internet is my best friend.  Is it yours?  If you are a real estate professional that understands the Internet-you love it.  Conversely, if you are a real estate professional that does not understand the Internet, you hate it. In fact, you probably lay awake at night wishing things would go back to “the old days”. I am a marketing representative for a national title insurance company in Phoenix, Arizona, I help real estate professionals “get found” on the Internet.

Real estate professionals that understand how to use the Internet, see it as a homing beacon guiding buyers and sellers right to their front door-that front door is their website.  For those that don’t understand the Internet it appears to be a bottomless pit of frustration and confusion.  But it doesn’t have to be.

Unless you have hundreds of thousands of dollars to spend, it’s almost impossible to rank on the 1st page of Google with general terms (keywords) like “FHA loan”, “homes for sale”, “Loan Officer” or “Realtor”. If you want local leads you need to think in local terms-like the consumer.  If you were looking for a  4 bedroom 3 bath home in Chandler Arizona, how would you look for it?

It’s called Hyper-local marketing.  Hyper-local marketing will help you rank within the search engines.

Hyper-local may not mean a whole heck of a lot to you right now but it means a tremendous amount to anyone searching for Real Estate. When a consumer is looking for real estate, they don’t Google “Real Estate” (the smart ones don’t anyway) , they narrow the search down to a term or string of terms  they are interested in.  A common search in Google, Yahoo or Bing might start like this:

START:

Arizona homes for sale

Chandler homes for sale

Pecos Ranch Homes For Sale

END:

Pecos Ranch Chandler AZ homes for sale

Here are some terms that are hyper-local:

  • The City Of Chandler, Arizona
  • Val Vista Lakes, Gilbert AZ
  • Tempe Short Sales in The Lakes
  • Oregano’s Chandler, AZ
  • Mountainside Fitness in Chandler
  • 4 bedroom 3 bath homes for sale in 85248
  • MyTitleGuy Stephen Garner  (My favorite by the way)

Here are some terms that are not hyper-local.

  • Home for Sale in Chandler
  • Realtor
  • Short Sale
  • REO
  • Loan Officer
  • Buying a Home
  • Awesome 4 bedroom 3 bath home
  • Why You Should choose Joe Blow as your Realtor/Lender
  • Things to do in Arizona

How to Get Your Blog Seen Locally

Surprisingly this part is actually not that hard. Combine common search terms such as “Homes for Sale” with hyper-local content such as “Val Vista Lakes”. A great blog title therefore might be,

  • “Homes for Sale in Val Vista Lakes”
  • “Condos for Sale in Chandler, AZ
  • “Fixer Uppers in Central Phoenix”
  • Foreclosures in Gilbert
  • Short Sales in Chandler

SEO (Search Engine Optimization) is more complicated than this but you need to take the 1st step.

Another thing: If you are having a hard time coming up with great keywords or hyper-local phrases, simply think about what you (a consumer) would type into search engines to find local real estate information. Then you need to create a plan to dominate those terms!!

Example:

Maricopa County First Time Home Buyer Assistance Program

Things To Do Tempe, AZ – January 17, 2010

Strategic Default in Gilbert, Arizona, a Growing Trend

Update on the Phoenix Zoo’s Latest Addition

Apache Junction Farmer’s Market

Real Estate Agent Phoenix Arizona

Realtor in Chandler AZ

Chandler Real Estate – New Master Planned Community at Fulton Ranch

One of the cornerstones of inbound marketing, perhaps the cornerstone, is content creation. There are a lot of  ways to create content: blog posts, pages on your website, webinars, videos, PowerPoint presentations, photographs. It’s all low budget, yet most real estate professionals don’t do a great job of it. Why not? When you publish something on the Internet, people consume it and judge it. Your reputation is on the line. That can be pretty scary for some people .  Fear keeps some really smart real estate professionals from sharing their thoughts.

To be successful with social media, you must share.   If you crash and burn, you learn. If you execute successfully, you reap the reward of more traffic, greater visibility and more customers for your real estate business.

Oh Yea, the most important piece of information I have: Don’t Give Up.  Blogging is not a Sprint, it’s a Marathon.

If you are a real estate professional in the Phoenix metro area that would like help getting found by people looking for your services, please call me.  I can help.

For All Your Marketing, Escrow and Title Needs

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The 5 Most Dangerous Questions a Short Sale Realtor Can Answer-Arizona

Sunday, June 20th, 2010

Thomson Conant, one of the top law firms in Phoenix, Arizona has been by the side of struggling homeowners since the housing crisis began.  Part of their commitment is to keep Realtors advised and educated as to changes in short sales.  The below article is from Doug Farnham of Thomson Conant.

The stress of parting with a home can make even the most reasonable person become difficult to communicate with.  Realtors need to be particularly cautious when answering questions that could later be taken as legal, financial or tax advice. Here are some of the questions that could come back to haunt a Realtor.

1. Will I still owe anything on the loan after a short sale?
This is the most dangerous question of all and should be avoided at all cost.  Regardless of how well informed a Realtor is on deficiency statutes and related case law, the best answer is always to talk to an attorney.  Homeowners rarely know the nature and history of their loans.  We are currently finding that over 60% of homeowners that tell us their loans are purchase money only, are incorrect in their recollection.  So when the Realtor makes a statement that the homeowner does not have deficiency liability, there is a very good chance that they are wrong in this assumption.  To be clear, the anti-deficiency statutes do not apply to short sales.  The statute clearly says it applies to foreclosures, but does not mention short sales.  It takes an experienced, real estate attorney to make the determination of deficiency liability.  Trying to make this determination based solely on the statements of and documents provided by the homeowner is placing the homeowner at risk.  Lenders have been known to file lawsuits against homeowners even when they may be protected by anti-deficiency statutes.  So even a correct answer to this question could potentially backfire. Additionally, the deficiency issue is too complicated for most homeowners to fully understand.  Having these answers in writing becomes critical so there is no question about who said what and whether the homeowner fully understood the implications.

2. Will I have a tax obligation after a short sale?
This question should only be answered by a qualified CPA or tax attorney.  There are numerous factors that are not disclosed by the borrower to the Realtor that may determine this answer.  The Mortgage Debt Forgiveness Act of 2007 can often provide relief from these obligations and Section 108 of the IRC on insolvency may provide additional benefits to some homeowners.  However, this is a complicated issue and should be left to the tax professionals.

3. Are you a short sale expert?
No matter how much experience you have on short sales, holding yourself out as an expert can be dangerous.  It means that anything that goes wrong must be your fault, since an expert should know better.  It is very hard to be an expert on short sales since it is a moving target.  What we know today may not be true tomorrow.  Even as this is written there are several pieces of legislation pending that could change the rules.

4. Should I sign a note or pay money to the lender to get a short sale done?
This is a decision best left to the homeowner.  If it is later determined that the borrower had no deficiency liability by going to foreclosure, completing a short sale where funds are required of the homeowner creates damages and places the Realtor at risk.  By letting an attorney give a written legal opinion to the homeowner, the Realtor can shift the responsibility.

5. After the lender files a 1099 does this mean they will not file a deficiency suit?
Lenders are fighting hard in court to establish that a 1099 is filed only to comply with accounting requirements and this does not stop them from later filing deficiency lawsuits against the borrowers.

Short sales are likely to be the best answer for the vast majority of homeowners that are looking for a solution to their mortgage problems.  The Mortgage Debt Forgiveness Act is set to expire at the end of 2012.  We believe that this will force an increase in the number of people initiating short sales in the next 18 months.  According to an article by Laurie S. Goodman (Dimensioning the Housing Crisis) there has already been 2.5M homes go to foreclosure or short sale.  However, there are 7M in various stages of default (shadow inventory) and an expected 5M more that will soon follow.  It appears as though short sales could take several years to work through this inventory.  There is no doubt that Realtors must take short sale listings to survive.  It is simply an issue of doing things the right way and always being cautious of the pitfalls.

For All Your Marketing, Escrow and Title Needs

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Finally-A Low Cost WordPress Web Solution For Real Estate Professionals

Thursday, June 17th, 2010

If you are are an Arizona Realtor of Loan Officer and are one of my clients, you know how I feel about the internet and all it has to offer for your real estate or lending business.  You have heard all the statistics (most likely because I have drilled them into your memory) that 90% of buyers start their home search on the internet, 96% of 1st time home buyers start their home search on the internet, Facebook is now the #1 destination on the internet, 80% of buyers will go with the 1st agent they come across, the average person spends 55 minutes a day on Facebook, YouTube is the #2 search engine in the world, Mobile browsing (cell phones) will be bigger than desktop browsing in 5 years and on and on and on.

When I sit down with a potential new client, the 1st thing I ask is “Do you have a website?” who doesn’t right?  Then it gets uncomfortable interesting.

The questions continue…..

Do you get business from your website?

Do you know how many people go to your website, or how they get there? Google, Bing, Facebook, Twitter, PPC etc…

Are you ranked in Google?  What are you ranked for?

All of these questions usually return the proverbial Deer in the headlights stare….  Why? Because the internet is an absolute necessity for Realtors that 90% don’t understand.  That’s CRAZY!

Anyway…..

A website serves as a hub for your business to include your listings, social media, blogs, etc,,,,  A new  platform (in the last few years) called WordPress is now the industry standard for websites.  There are many benefits to WordPress, but one of the best is that you…yes…you can manage your own website.  You no longer need to hire someone to handle your SEO strategy, you can do it yourself.  And it works.

Most agents have a template website.  I recently copied some text from a well known template website, put it into Google to do a search and found over 800 websites listed one after another in the search results.  It’s impossible to get ranked, let alone on the 1st page of Google when 800 other sites have the same text as you. This is a common problem with your easy to use, template,  “set it and forget it” , hands off solution.  Now, don’t get me wrong, Template websites are great for directing people to your website, not for getting found in search engines which is how new clients will find you

Here is the problem with WordPress…..A custom WordPress Theme with HTML code, design and pages of content can easily cost $4000.  How many Realtors have $4000 to invest in a website right now? Not many.  So, I advise my clients what they should do, but they can’t really get started because they don’t have the money for a website that actually works.  And believe me……WordPress does work.  So the plan never really gets off the ground.

Well, not anymore.

Now, lets be clear, this IS NOT a custom WordPress Website like mine with custom HTML code or functionality like Flash, landing or squeeze pages.  This is an entry level WordPress website.  You will still need to hire someone who understands code if you want to customize your site over and above the plugins that are available in WordPress but it is a great start to building an online presence that you can manage yourself on a platform you will be using in the future.

By the way…….I’m a title rep, not a Realtor, there are millions of people looking for real estate on the internet, not many look for title insurance.  BUT….I can guarantee you that if someone looks for a title company in Mesa, Arizona, they will find me…… take a look at Google,  the following are all unpaid organic searches…..

Mesa Arizona Title Company #1

Title Company in Mesa Arizona #4

Title insurance mesa Arizona #5

gilbert arizona title company  #3

If you are a Realtor in the Phoenix Metro area that would like help growing your business, call me…..I can help.

For All Your Marketing, Escrow and Title Needs

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Do You Want More Short Sales

Tuesday, June 15th, 2010

Want More? I Do...I Do

If you are a REALTOR in Arizona you know that the market can be a little challenging right now. There are 3 transactions taking place right now, Resale, REO and Short sale. Most cannot get into REO and if you ask the REO agents, they will tell you that the banks are approving more and more short sales. Soooooooo Short Sale is most likely the best bet. BUT…..How do you catch these elusive creatures called short sales? Well you have a few choices

1) Cold Call=HangUp
2) Direct Mail =Expensive
3) Go To The Door=Success

So, which one would you like door #1,2,or 3?

If you chose door # 3, I can help. See below..

If you are a Realtor or Lender in Arizona looking to grow your business, call me…..I can Help.

For All Your Marketing, Escrow and Title Needs

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Are You Using YouTube In Your Real Estate Business

Monday, June 14th, 2010

Arizona Realtors, Did you hear? Video is here. Are you using it. I bet your not. You are missing out.

Why?

For All Your Marketing, Escrow and Title Needs

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iphone 4 is a gamechanger for web 2.0 REALTORS

Sunday, June 13th, 2010

Unless you live under a rock, you know that the new iphone (iphone 4) is coming out this month (June 2010).  The iphone is one of those devices that does it all, those that have one not only swear by it, they can’t imagine their lives without one-myself included. The new iphone will have video calling, an upgraded display, a 5 megapixel camera with LED flash and HD video recording (to name a few).  It’s the HD video recording that makes this a game changer for me and you as a web 2.0 REALTOR.  Anyone that knows me, knows that I am on a quest to get as many of my clients to embrace and start using video in their business’.  The new iphone will allow us to instantly record a thought, virtual tour, Value Proposition, Unique Selling Proposition, really…whatever… edit it using imovie (another added feature to iphone 4) and instantly upload it to youtube, vidler, facebook, twitter etc…  This is  a gamechanger for your real estate business.  As a current iphone fanatic I have AT&T.  Although I would pay a premium to get the new iphone, a free upgrade would be nice so, I called AT&T to ask if I was eligible for an upgrade to iphone 4 and they gave me these instructions which I am now passing on to you:

If you are an existing AT&T user, you can instantly check your AT&T iPhone upgrade eligibility by calling *639#  The text message you receive back from AT&T will be one of the following.

DECLINED- “A full discount on a standard handset or iPhone upgrade is not available at this time but you may qualify on 02/21/2011. We can offer you a discounted iPhone upgrade at a higher price with a 2-yr commitment and an $18 upgrade fee. Please visit a participating iPhone sales location for pricing on this offer.”

OR

PARTY!

iphone 4 here I come!

If you are a REALTOR or loan officer in the Phoenix Metro area that is ready to embrace web 2.0 including video….lets talk, I can help

For All Your Marketing, Escrow and Title Needs

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Realtor Marketing-It’s Not About YOU!

Friday, June 11th, 2010

Realtor Marketing in Arizona (everywhere I’m sure), for the most part is horrible.  It’s true.  Now don’t kill the messenger, the consumer is telling you that not me.  How do I know?  Is your phone ringing?   I’m a consumer. We all are, and I have asked many of them over the years what they think about your marketing-well not YOUR marketing but you know what I mean.   Here is the problem. Most Realtors market themselves-I’m awesome, I have X amount of years of experience, I’m a top producer, Presidents circle,etc.  Even your designations you use in your marketing are about YOU. The consumer has no clue what a GRI compared to an E-pro or ABR is.  Here is your rude awakening.  No one goes to the internet to look for YOU-buyers look for real estate-not you. There, I said it.  Most buyers will go with the 1st agent they come across when they identify a home they like. That’s why 80% of buyers will work with the 1st agent they come across.

So, what can you do about it?  Change your marketing.  Be the 1st agent they come across! Guess how many internet searches there were last month for “Real Estate Agent in Phoenix AZ” ?  201,000! Here is why that’s significant-they are not going to the internet to look for you-Joe Schmoe Realtor, ABR, GRI, CDPE. they are actually searching for “Real Estate Agent in Phoenix AZ”.  Change your marketing to reflect what the consumer is looking for-property. 90% of buyers start their home search on the internet,  96% of 1st time buyers go to the internet, that’s where you need to be-not on a postcard or flyer! Learn keyword research-how to dominate words like “Real Estate Agent in Phoenix, AZ”.

Ready to change your marketing?  Call me.  Lets talk.  My network is deep.  Custom WordPress designers, SEO experts, Social Media animals….  I can help.

For All Your Marketing, Escrow and Title Needs

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Wage Garnishment-up 121% in Arizona-Is Money Missing From Your Account

Thursday, June 10th, 2010

With all the attention the housing market is receiving, its easy to overlook other challenges occurring in Arizona.  Wage Garnishments-and Arizona leads the nation in them.  Money missing from your paycheck or commission?  Your paycheck may have been garnished and worse-you most likely have no clue that it has even occurred.  As reported by “The Today Show”, this woman in Chandler, Arizona was behind a few hundred dollars in  credit card debt,-because of her job loss, the amount owed ballooned to almost $2500 with penalties and late fees- when she noticed money missing from her bank account.  She came to discover that debt collectors had won a judgment against her, without her knowledge and her bank account was garnished-again, without her knowledge-or permission.  Scary.  Yes garnishments are up across the country but Arizona leads the nation with a 121% increase.  As you can see below, there are steps that you can take to protect yourself in the event your wages are garnished.

Visit msnbc.com for breaking news, world news, and news about the economy

For All Your Marketing, Escrow and Title Needs

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Top 10 Most Dangerous Short Sale Myths-Arizona Specific

Monday, June 7th, 2010

Depending on who you ask overhear, Arizona is a non-recourse state, an anti-deficiency state and once you short sale, the bank can’t pursue you.  All of this uncertainty prompted my friends at Thomson Conant’s Mortgage Mediation Group-one of the valley’s premier law firms-to address the top 10 most dangerous short sale myths they come across.

Top 10 Most Dangerous Short Sale Myths

Due to the recent increase in deficiency lawsuits filed by lenders against borrowers after a completed short sale, we have decided to write this article to help dispel some of the misconceptions relating to short sales.  In the last 60 days we have seen a new wave of lawsuits by CitiBank, Chase, GMAC, and Wells Fargo, with rumors that lawsuits may soon be coming from B of A.

Myth 1: Arizona is a non-recourse state.

While there are laws that protect the homeowner from deficiency in a foreclosure or deed-in-lieu, these laws do not apply in a short sale.  Only an experienced real estate attorney, after reviewing all loan documents, deeds-of-trust and short sale documents can properly ascertain that liability.  As a Realtor you should NEVER give advice as to the homeowner’s potential for deficiency liability.  Even if that advice is technically correct, some lenders may file lawsuits regardless of the merits of the case, knowing that a certain percentage of borrowers will pay just to avoid going to court.  Additionally, homeowners will often make incorrect statements as to the nature of their loans.  Currently, we find about 60% of our clients are incorrect as to the nature of their loans which affects the potential for anti-deficiency protection.  If a borrower is sued by their lender, there is a reasonable chance they will file a suit against the Realtor that handled the short sale.  These suits can be difficult to defend, even if the Realtor made no representations as to the homeowners potential liability resulting from a short sale.  For more information on deficiency liability read our article and blog on this subject.

Myth 2: Referring a homeowner to an attorney removes the liability from the Realtor.

If that homeowner does not retain the attorney, the protection for the Realtor is limited.  Referring a homeowner to an attorney that represents the Realtor’s company can also leave a disgruntled seller with a legitimate complaint relating to who was being represented by the attorney and the fact that the attorney had a conflict of interest.  A written legal opinion as to the homeowner’s potential for a deficiency lawsuit from a qualified, independent attorney provides the Realtor the most protection against a lawsuit arising from deficiency issues.

Myth 3: Realtors are protected by E&O insurance against lawsuits as a result of a short sale.

Many insurance providers require a rider for E&O coverage of short sales.  Some designated brokers have elected not to provide this rider.  Check with your designated broker to ensure you are covered.

Myth 4: Lenders lose more on foreclosures than short sales.

Since the lender may be protected by mortgage insurance or may have sold a loan into pools, the investor may receive more sales proceeds through a foreclosure at a lower sale price than through a short sale.  In a foreclosure, the senior note holder (investor) gets paid before junior lien holders are paid.  This could result in a better payout for the senior note holder as a result of foreclosure (the senior note holder carries the majority vote on decisions related to this loan).  Lenders also use NPV (Net Present Value) calculations to determine their best option.  This takes into consideration many factors that consider the economic interests only of the lender/investor.  Hence, the reason that lenders/investors will sometimes make decisions to foreclose that seem on the surface not to make sense is often the result of the NPV test.

Myth 5: It is possible to have the lender report a short sale as paid in full as agreed on credit.

Although this has happened in a very few cases last year; the reality is that lawsuits by lenders on the new loans against previous lenders that did not report short sales have quickly put an end to this option.  On rare occasions this may be negotiated if a forensic audit turns up a serious violation.

Myth 6: I should advertise myself as a short sale expert. ****** (one of my favorites)******

Although this may look good in advertising, it can quickly backfire on the Realtor.  By calling yourself an expert you are held to a higher standard; that of a true “expert”.  Homeowners can claim they followed the advice of the Realtor because he/she claimed to be an expert and the Realtor will be evaluated at the higher standard of care.

Myth 7: If the borrower receives a 1099, the lender has taken their losses and will not pursue a deficiency judgment.

In the past it was accepted that the 1099 was an indication that the lender had written off the loan losses and would not pursue the borrower.  However, lenders have sued borrowers years after that 1099 filing. In a recent appellate case (December 2009) of Amhurst Bank vs. Fossett the lender argued that they only file the 1099 because of federal accounting requirements and it was not releasing the borrower from liability.  That court did not make a decision but sent the case down to the lower court to decide. Lenders are working hard in all states to get the rules changed in order to recapture more of their losses.

Myth 8: Once a trustee sale is completed there is no way to reverse it.

It may be possible to unwind a foreclosure after the trustee sale has completed.  However, this requires careful analysis of the lender’s actions and some proof of wrong doing on the part of the lender.

Myth 9: Borrower must be delinquent to get short sale approval.

We have seen some instances in which a short sale is completed without the borrower going delinquent.  However, it is generally the case that lenders will not approve a short sale for a borrower that keeps their payments current.  The flip side of this is that it creates more pressure on the Realtor to complete the short sale before the property goes to foreclosure.  Usually lenders will extend trustee sale dates to facilitate a pending short sale, but not always.  Increasingly, lenders are unwilling to extend short sale dates even with a valid offer pending on government loans.

Myth 10: Anti-deficiency laws do not apply to investment properties.

Although these laws are open for interpretation, the law simply states that the property must be “utilized”.  There are several cases in which the courts have determined that renting is considered a utilization of the property for purposes of allowing anti-deficiency protection.

We hope this information helps you to better serve your client’s needs and protect yourself from legal complications.
Questions?  Contact
Doug Farnham (Central/Southern AZ)
(602)774-3753
dfarnham@tcmmg.com

Bob Verbic (Northern AZ)
(928)899-5765
bverbic@tcmmg.com

Are you a REALTOR working Short Sales in Arizona? I can help, lets meet for coffee to discuss how I and the title company I work for can help you grow your business and provide you with a phenomenal level of service.

For All Your Marketing, Escrow and Title Needs

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Posted in short sale | 1 Comment »

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