Pam Marron Home Lending

Video: Past Short Sellers Can Be Homeowners Again!

October 16, 2013 by · Leave a Comment 

The fix is in!


Video: Past Short Sellers Can Be Homeowners Again!

George Albright, like many past short sellers, had a problem when he was eligible to repurchase a home. His past short sale credit was showing up as a foreclosure. George made this video to explain how he was able to get his credit corrected and buy a new home again. How many past short sellers, or those who may have to short sell, can this help? Simple instructions for past short sellers, realtors and lenders!

Click on picture above or go to

Underwater Florida Residents: Be Prepared on 10/1 at 9am for $50,000 Principal Reduction through HHF!

September 28, 2013 by · Leave a Comment 

REPEAT: Underwater Florida Residents: Be Prepared on 10/1 at 9am for $50,000 Principal Reduction through Florida’s Hardest Hit Funds! Only 25,000 applications will be processed initially!

Chris Chmura, Fox 13 WTVT   9/27/13

Fl HHF slider revised

And, on 9/23/13, this article on Hardest Hit Funds came out thanks to Beth Kassab in the Orlando Sentinel.

Hardest-Hit Fund finally helps those underwater on their homes

September 23, 2013|Beth Kassab, Local News Columnist

However, this is what the Florida Hardest Hit Funds application page on their website showed: NO ABILITY TO MAKE APPLICATION until Tuesday, Oct. 1 at 9am! 

Fl HHF applic website

So get ready, underwater Florida homeowners! Here’s some homework to do before Oct. 1 at 9am:

1.      Go to Principal Reduction page under Florida Hardest Hit Funds and review eligibility criteria at

Fl HHF website

HHF Prin Reduct criteria  

2.    Read Fact Sheet at

3.    Check your income, per eligibility.

Income level Cris Chmura



Check your family income per Florida county. If you believe that you are over 125% underwater, are current on your mortgage payment and think that your income level will fall into eligible criteria, prepare to apply for up to $50,000 in principal reduction through the Florida Hardest Hit Fund on Tuesday, October 1st at 9am.

Please make sure to review all criteria at

Why this is so important:

Percentage still underwater in area Florida counties:

Polk 43%

Pasco 43%

Pinellas 31%

Sarasota 25%

Sumter 10%

Tampa bay still Underwater 9.28




Fannie Mae Desktop Underwriter (DU) Vers. 9.1 Release Webinar Available!

September 19, 2013 by · Leave a Comment 

Lenders, loan officers, credit companies;

Sign up for Desktop Underwriter (DU) Version 9.1 Release Webinar dates at

This session will provide an overview of instruction on how to confirm past consumer short sale data in Fannie Mae Desktop Originator/Underwriter automated system, scheduled for update the weekend of November 16, 2013.

FNMA Vers 9.1 training

Short Sale Hardship

July 28, 2013 by · Leave a Comment 

Explaining what is really happening is like reliving a bad divorce all over again.

Recently, I was told that lenders have a perception that underwater homeowners simply stop making their mortgage payments when they are set to leave a negative equity property. The assumption is that the lender will take months before they come knocking to serve foreclosure papers, so this can be months of no payments made, preparing for a home exit. There is an opinion that the vast number of underwater homeowners wanting to exit with a short sale are doing this.

Further, it was stated that these same underwater homeowners are misinformed about requirements of lenders that imply underwater homeowners need to go delinquent to get a short sale approval. When the frustration was voiced that only the 4 D’s, Divorce, Disability, Death and Distant Relocation, seem to be evaluated as hardships, the opinion was that it is hard to distinguish hardship.

I have heard lenders state to homeowners that they had to be delinquent in order to get a short sale approval consideration on 3-way calls.

I work daily with homeowners across the U.S. who are trying desperately to exit their home in a short sale while staying current on their mortgage.

And I have read their letters of hardship. The person was right. It is hard to distinguish hardship with what lenders are given.

So I went back to the past and some current short seller documents and took a look at their hardship letters again.

Nearly all of the letters are one page in length, quickly consolidating problems ranging from loss of job to death in short paragraphs. This must be the template requested by lenders. Or, expressing hardship was too difficult for most affected to put in writing.

Most of these letters glaze over hardships and voice words of great humility, pleading to allow an exit from their home without further economic damage than already endured.

Clear Definition of Hardships, Where Applied, and Where to Find Lists for Short Sale Approval

First, the hardships need to be noted. And, there are two lists of hardships.

Below is a list of each:

hardships list2

The only way to show what is really happening with short sellers is for them to tell their stories.

Initial Hardship Letter to get Short Sale Approval

The hardship letter given to lenders for an initial short sale process is part of the paperwork I request when helping past and currently applying short sellers. This usually, but not always, tells what the final straw was that broke the camel’s back.

Past short sellers don’t tell the whole story on these hardship letters. It’s not because they don’t know how, but because it is incredibly hard for them to do so. In every case, the short seller has taken the blame for what happened. They are humiliated that they can’t pay back the debt, and feel stupid that they didn’t see this whole housing downturn coming.

Past short sellers often label themselves as strategic defaulters. There has been so much hype about strategically defaulting, that most short sellers think that they are a strategic defaulter. And, an army worth of short sellers have been reluctant to come forward and state that it was the lender who told them to be delinquent in order to get short sale approval. Either way, they could not win. Delinquency required to proceed with a short sale was (and is still being!) implied to proceed. Staying current is looked at with suspicion and not “proving hardship” enough.

Amending Hardship Letters

So, I went back to the 43 cases I have worked with over the past 2 years. I reread the hardship letters, spoke with many of these short sellers again, and asked them for more information. I probed about lengths of time where it might be assumed that these folks were stalling on purpose so that they would not have to pay their mortgage.

This was harder than initially thought. Major medical problems were learned of, where relocations to any job was necessary to keep insurance. Divorce explanations often included moving back in with family members because credit was shot and a new lease could not be obtained. Reductions in income and an escalation in debt happened often.

Though a glimmer of the hardship was on their initial lender letter, it was briskly glossed over, probably because it would have taken too much room on the paper to explain.

So I asked these past short sellers if they would take the time to really explain what their hardship was, leading up to it, and then after the short sale. I asked them to explain how they weren’t taking advantage of the bank, and the number of times they had to resubmit paperwork that seemed to get lost over and over again. I ask them to explain that even when they suffered a reduction in income, that their priority to make the mortgage payment was 1st. I ask them to state if and who told them they needed to be delinquent in order to get short sale approval. I ask them to explain how they exhausted all of their financial assets before throwing in the towel. I ask them to explain how they worried how the negative credit would affect them if they needed to relocate elsewhere, and if they could make the move at all with damaged credit. I ask them to explain how the problems of exiting an underwater home stalled them from getting on with their lives. I ask them to explain how the stress sometimes destroyed their marriages and affected their families.

Maybe it is not worth the painful effort to see what really happened, and what continues to happen to those trying to exit an underwater home. It is the only way it can be proven that we are not paying nearly enough attention to existing problems still surrounding 12 million underwater homeowners, and 2.2 million past short sellers now trying to reenter the housing market.

It’s like reliving a bad divorce all over again.

It is because of what is in their expanded letters, that I want to help them even more.

For short-sellers, some good news, by Kenneth R. Harney, Washington Post

February 6, 2013 by · Leave a Comment 


Friday, Sept. 6, 2013

For short-sellers, some good news


WASHINGTON — Policy changes by two of the biggest players in the mortgage market could open doors to home purchases this fall by thousands of people who were hard hit by the housing bust and who thought they’d have to wait for years before owning again.

Fannie Mae, the federally controlled mortgage investor, has come up with a “fix” designed to help large numbers of consumers whose short sales were misidentified as foreclosures by the national credit bureaus. Under previous rules, short-sellers would have to wait for up to seven years before becoming eligible for a new mortgage to buy a house. Under the revised plan, they may be able to qualify for a mortgage in as little as two years. Homeowners who are foreclosed upon generally must still wait for up to seven years before becoming eligible again to finance a house through Fannie. Industry estimates suggest that more than 2 million short-sellers might be affected by credit bureaus’ inaccurate descriptions of their transactions.

Meanwhile, the Federal Housing Administration (FHA) has announced a new program allowing borrowers whose previous mortgage troubles were caused by “extenuating circumstances” beyond their control to obtain new mortgages in as little as a year after losing their homes instead of the current three years. They will need to show that their delinquency problem was caused by a 20 percent or greater drop in income that continued for at least six months, and that they are now “back to work,” paying their bills on time and earning enough to qualify for a new FHA-insured mortgage.

Fannie Mae’s policy change came after months of prodding by the federal Consumer Financial Protection Bureau, Sen. Bill Nelson, D-Fla., the National Consumer Reporting Association, the National Association of Realtors and Pam Marron, an outspoken Florida consumer advocate. They all sought fairer treatment of borrowers who had participated in short sales in recent years. Marron, a mortgage broker, spotted the erroneous reporting of short sales on credit reports and mounted a campaign to correct the problem.

In a short sale, the lender approves the sale of a house to a new buyer but typically receives less than the balance owed. In a foreclosure, the bank takes title to the property and seeks to recover whatever it can through a resale. Though the two types of transactions are distinct and involve significantly different losses for banks — foreclosures are far more costly on average — the nation’s major credit bureaus have no special reporting code to identify short sales. As a result, say critics, millions of people who have undertaken short sales in recent years may have their transactions coded as foreclosures on their credit bureau reports.

That matters — a lot — because Fannie Mae and other major financing sources have mandated different waiting periods for new loans to borrowers who have completed short sales compared with borrowers who were foreclosed upon — in this case, two years versus seven. Under the new policy, which takes effect Nov. 16, short-sellers who find that their transactions were miscoded on their credit reports, and are able to put 20 percent down, should alert their loan officers and provide documentation on their transaction. The loan officer should advise Fannie Mae about the credit report coding error. Fannie will then run the loan application through its revised automated underwriting system.

Freddie Mac, the other government-administered mortgage investor, continues to require a four-year waiting period for short-sellers who cannot demonstrate “extenuating circumstances” as having caused their problems. If they can do so — documenting income reductions beyond their control that wrecked their credit — they may be able to qualify for a new Freddie Mac loan in two years.

FHA’s policy change may prove to be an even more generous deal for some previous homeowners. Like Freddie Mac, FHA wants to see hard evidence of what economic events beyond the borrowers’ control — loss of a job, serious illness, or death of a wage earner, for example — led to the delinquency or loss of the house. Applicants must be able to show 12 months of solid credit behavior, participate in a housing counseling program and get through the agency’s underwriting hoops. But unlike either Fannie or Freddie, if you qualify under FHA’s revised rules, which are now in effect, and your lender approves, you might be able to buy a house with a new, low-down-payment mortgage in as little as a year.

It’s worth checking out.

Ken Harney’s email address is

(c) 2013, Washington Post Writers Group

WE the PEOPLE Petition at…

July 13, 2012 by · Leave a Comment 

 Thank you for submitting your signature on the White House petition ….    Had a great opportunity to speak to the regional director for Sen. Bill Nelson (D-FL) who offered to take the petition along with additional information to White House staffers on April 13 when President Obama was in Tampa. So, although we didn’t successfully get the 25,000 signatures on the petition, we did succeed in getting the petition where it needs to go after all!

This is not about politics. It IS about helping underwater homeowners and the real estate industry.

Here’s what the petition states:


require banks to stop forcing underwater homeowners to default in order to qualify for a short sale!

 Banks are forcing underwater homeowners to default in order to qualify for a short sale, causing these homeowners to be mislabeled as strategic defaulters. (Strategic defaulters are those that can make their mortgage payment but choose not to.)

This bank policy of requiring late mortgage payments before the short sale automatically disqualifies homeowners from getting an FHA mortgage for three years.

Lenders, the U.S. Treasury, FHFA, and Making  Homes Affordable all are aware of this problem. Yet, nothing has been done to correct this policy. This inaction is directly preventing thousands of short sellers from reentering the housing market.

Put a stop to the damaging practice of lenders forcing underwater homeowners to be late on their mortgage in order to qualify for a short sale.”

Senator Bill Nelson Calls for Correction of Short Sales Erroneously Coded as Foreclosures

May 25, 2012 by · Leave a Comment 


Credit reports label

On May 7th, 2013, Senator Bill Nelson (D-Fl) went to the  Subcommittee on Consumer Protection, Product Safety and Insurance to get to the bottom of a major problem keeping past short sellers from re-entering the housing market.

Based upon a current Realty Trac report, up to to 2.2 million past short sellers are eligible to re-enter the housing market, past the required wait timeframe to get a new mortgage after a short sale. However, these past short sellers apply for a mortgage only to be denied through both Fannie Mae and Freddie Mac automated underwriting systems (AUS) because short sale credit shows up as a foreclosure. Why is this so detrimental? A foreclosure requires a 7 year wait to get another mortgage, while a short sale only requires a 2 year wait afterwards, and with a 20% downpayment, to get a new mortgage. This delay threatens the rebound of the U.S. housing market, and will negatively affect the credit and ability of another 16 million underwater consumers who may need to short sale in the future, to go forward.


Below is the link and transcripted words of Senator Bill Nelson (D-FL), Senator Claire McCaskill (D-MO), Corey Stone, Assistant Director, Deposits, Cash, Collections, and Reporting Markets, Consumer Financial Protection Bureau (CFPB); Stuart K. Pratt, Consumer Data Industry Association (CDIA), Ira Rheingold, National Association of Consumer Advocates (NACA), and the National Consumer Law Center (NCLC)

WASHINGTON, D.C.—The U.S. Senate Subcommittee on Consumer Protection, Product Safety, and Insurance held a hearing on Tuesday, May 7, 2013 at 2:30 p.m. titled Credit Reports: What Accuracy and Errors Mean for Consumers.

Click on the link to load and view the webcast housed at C-Span: “Credit Reports: What Accuracy and Errors Mean for Consumers.”

This is a large video so please allow time to load.

1st, go to time of 58:46 where Senator Nelson addresses Corey Stone with the Consumer Financial Protection Bureau (CFPB):

Senator Nelson 3              Corey Stone.CFPB

Senator Bill Nelson (FL-D)                                               Corey Stone, CFPB


Transcript starting at 58:46:

Senator Bill Nelson: “Ok, I want to ask you about something else. Under the Fair Credit Reporting Act, all credit files should be reported accurately. Isn’t that correct?”

Corey Stone/CFPB: “That’s correct.”

Senator Bill Nelson: “OK. And if a person goes into foreclosure, someone, indeed, that will be noted and it will affect their credit, will it not?”

Corey Stone/CFPB: “Absolutely.”

Senator Bill Nelson: “Then I would ask both of you all, as the regulator s, why are people who don’t go into foreclosure but go into a short sale which the government, this government, under law that we have passed actually encourages, and even encourages with some tax incentives, why is a short sale being coded in the credit reporting agencies the same as a foreclosure? And it’s happening in my state right now! Why?”

Corey Stone/CFPB: “Short sales is a relatively new phenomenon and it is important that it be reported accurately because Fannie and Freddie and the GSE’s and the FHA treat those differently in their underwriting system. So if they can’t distinguish between a short sale and a foreclosure, somebody whose had a short sale will be treated as if they’ve had a foreclosure. The coding of this information is coming into the 3 credit bureaus from furnishers in identical files but it’s our understanding, and this is something we’ve talked to the Consumer Data Industry Association about, and you can ask Mr. Pratt, the next witness about…”

Senator Bill Nelson: “I don’t know what you’ve just said. Why is a short sale being coded the same and you all as the regulators are allowing it to be coded the same as a foreclosure which is a completely different breed of horse.”

Corey Stone/CFPB: “Yeah. Right now, there is a special treatment for short sales that does code them differently but not in the same way that other kinds of ends of loans are coded and a technical aspect that I think Mr. Pratt will be able to shed more light on. But right now, some of the credit reporting agencies do report this information accurately from the information that they receive but not all….”

Senator Bill Nelson: “But they haven’t been (doing so) in Florida. You’re the Consumer Financial Protection Bureau. You’re supposed to be protecting consumers. You’re supposed to be seeing that fair trade is going on. Here we have a new phenomenon. We have a lot of mortgages underwater, people still want to sell their homes. You get into a state like mine where 40% of all of the mortgages in the state are underwater and you want commerce to continue. You want to get the economy to recover. And, so why then penalize the poor person, and we’ve seen this over and over in Florida… why penalize them because they’ve done something we’ve encouraged, and then they have their credit completely blown?”  

Corey Stone/CFPB: “We agree with you, Senator, that foreclosures and short sales should be clearly distinguished in credit reports. We’ve become aware of this problem and we’re trying to track down exactly how to fix it, uh, and we’ll have to get back to you on it.”   

Senator Bill Nelson: “Well, here’s what I’d suggest that you do. Since you’re supposed to be protecting the consumer (and so are you too, stated to the FTC spokesperson), I have just called this to the attention of your respective chairman, Ms. Ramirez and Mr. Cordray, and I would appreciate it if you all would stop this nonsense and get it coded correctly so that our people are not being penalized. Thank you very much.”


Then, go to 2nd piece from 2:22:51 to 2:24:52 where Senator Claire McCaskill asks Stuart Pratt with CDIA the question of Senator Bill Nelson, “Why is a short sale being coded as a foreclosure?”


Senator Claire McCaskill Stuart Pratt.CDIA Rheingold

Senator Claire McCaskill (D-MO)               Stuart Pratt, (CDIA)                               Ira Rheingold, NACA, NCLC

Transcript: starting at 2:22:51: 

Senator Claire McCaskill: “I have a question from Senator Nelson for Mr. Pratt. Why is a short sale being coded as a foreclosure?”

Stuart Pratt/CDIA: “Well they’re not, but I think that Mr. Stone said it right. The short sale is a new. We’ve had deed-in-lieu, we’ve had foreclosures, we now have short sales. The Metro 2 Task Force, which the CDIA administers, is now looking at a new short sale code because in fact it isn’t a scoring issue in this case, it’s a Fannie and Freddie issue. Fannie and Freddie are administering some programs and they need to be able to identify short sales uniquely, different than any other loan, which is simply settled for less than the full amount. So, we have a code that is settled for less than full amount. And, generally we try to keep codes broad rather than narrow because very narrow codes generally don’t populate into the data base , they don’t become scoreable, they don’t become useable. So in this case, we probably will have to create a short sale code, because Fannie and Freddie are looking for something like a short sale code and they want to see it uniquely and differently from any other settled for less than full amount loan that’s out there in the marketplace, and that’s why…”

 Senator Claire McCaskill: “so you’re saying perspectively you will code it differently but now it’s being coded the same?”

Stuart Pratt/CDIA: “Lenders are coding it as a paid for less than full amount.”

Senator Claire McCaskill: “Which is the same as a foreclosure…”

Stuart Pratt/CDIA: “Uh, no. Actually a foreclosure is yet a different coding. If a lender is coding foreclosure on it’s own, they are miscoding a short sale, which would be a data furnisher issue, which would be an issue that the CFPB could look into just as they can look into our practices with our members.”

Rheingold: “But that coding has an incredibly negative impact on the consumers’ ability to get credit. I’d also add that short sales have been around for a long time. I’ve represented homeowners for 25 years and we were doing short sales 20 years ago. So, it’s not a new phenomena. Maybe the prevalence of it, it’s been around for a long time…”

 Stuart Pratt/CDIA: “I think that’s well said. The prevalence of it, and the relevance of it to certain new processes that Fannie and Freddie are trying to roll out in the marketplace.”  



Lack of Short Sale Code in Credit Reporting System Creating Hardship for Many Consumers

February 11, 2012 by · Leave a Comment 


Mon, 2013-03-11 15:13 — Terry W. Clemans

The system used by the American credit reporting industry to report the history of consumer payments to creditors to the national credit repositories has a serious flaw, according to some members of the mortgage industry. This flaw is the lack of a specific code for short sale mortgage transactions. With the current mortgage climate of millions of short sale consumers needing properly documented accounts of their previous mortgage problem so they can re-enter the housing market, this problem is reaching epidemic proportions in some of the hardest hit regions of the country. There is speculation that this flaw could be holding back the recovery of the housing market, as many short sellers are prohibited from re-entering the housing market for a longer period of time than required by lenders.

Metro2 is the coding format used by the national credit repositories and the creditors to set the operating procedures for the data in the credit reporting system. It was created by the Consumer Data Industry Association (CDIA), a trade association dominated by the three credit repositories: TransUnion, Experian and Equifax. Anyone working with credit reports much will quickly identify most of the Metro2 codes. In looking at a tradeline for a consumers payment history shown as an “R-1” for example; the “R” stands for Revolving Accounts like credit cards, “I” for Installment, etc., and the number portion representing the last payment status. As in the “R-1” example, the “1” represents the account being paid as agreed, a “2” represents paid 30 days late and higher numbers steadily indicate later payments on up to the dreaded “9” rating, which indicates the account is in collection. While this is just a portion of the many codes in the system designed to handle all of the various scenarios possible in every aspect of lending covered by the American credit reporting system, as of today there is no specific code for a mortgage transaction via short sale.

Short sales are difficult to deal with due to the complexity of the transaction, and are reported with a foreclosure status. Historically this worked, as a short sale transaction was traditionally in conjunction with foreclosure activities. In today’s mortgage marketplace, especially in light of the Federal Housing Finance Agency’s (FHFA—the government agency regulating Fannie Mae and Freddie Mac) short sale policy statement of Nov. 1, 2012, that allows homeowners to short sale without ever being late on their mortgage, the old system of reporting short sales needs updating. Some in the industry believe this is a problem and are working on it; others seem to believe that the status quo is the best route and reporting short sales with a tie to a foreclosure is accurate. Considering the mortgage crisis we are struggling to overcome, and the numbers of consumers who were put into extraordinary circumstances, I believe that the system needs to be carefully reviewed and altered as many consumers who short sell today are much better credit risks that the pre housing crisis foreclosure consumers. It seems that others in the industry have similar beliefs.

In a May 2011 report by Steven Chaouki, a group vice president at TransUnion, titled “Life After Foreclosure and Hidden Opportunities,” he presents a hypothesis that would indicate:

1. Defaulting on a mortgage causes temporary excess liquidity. This excess liquidity masks the true risk of the consumer as he goes through the foreclosure process, and

2. Certain consumers who defaulted on a mortgage in the recent recession only did so because of the recession—they are otherwise good credit risks.

Another person who is very critical of the current system is Pam Marron of Bankers Mortgage who has spent the past 24 years originating mortgages in the Tampa, Fla. market. This is one of the regions devastated by the housing crisis and she sees this issue as “one of the greatest problems facing the housing market in its struggle to rebound.” In working with Tampa area homeowners who have been plagued with this reporting problem over the past couple years she has documented two major problems for homeowners:

1. With no short sale specific code the reporting of a foreclosure status results in a denial of a mortgage in both Fannie Mae and Freddie Mac automated underwriting systems. This stalls past short sellers from re-entering the housing market, even after the required timeframes for reentry after the short sale have passed.

2. Many lenders are still telling underwater homeowners that they must be delinquent on the mortgage to get short sale approval, contrary to the new FHFA short sale policy. This enables the continuation of the current system of reporting short sales as a foreclosure.

Since over the past couple years Pam has had to deal with more short sales in the Tampa market than mortgage originators in most other parts of the country, she has identified two solutions to the problem. One a quick term band aide type approach to help consumers right now, then the long term fix that may require government assistance to ultimately provide the correction needed on a systemwide basis.

The quick fix is to get the short sale lender to provide a letter at closing to the underwater homeowner that simply states “this mortgage closed as a short sale, not as a foreclosure. Any credit markings reflective of a foreclosure should be deleted.” This letter can be used by the mortgage credit reporting agency to correct the repository data to more accurately reflect the short sale status.

The long term fix, and the one that brings much greater challenges, is the creation of a specific short sale code added the Metro2 system so that this manual step is no longer needed. This would allow the lenders to properly track the short sellers in the automated underwriting systems. It would also set up the proper tracking to determine if the short sellers created from the housing crisis are a different credit risk than traditional foreclosures so that this category of transactions can be properly evaluated for their true credit risks. That will require system changes, analysis and those take time when talking about systems as large as those that operate the United States credit reporting industry.

One closing thought that has been provided by many mortgage originators recently on how to help the mortgage market improve, for lenders that do not follow the FHFA Short Sale policy effective Nov. 1, 2012 be held accountable for their disregard of the policy. They report to many consumers still being told that they must be delinquent on their loan to short sale. With the CFPB and Congress looking at the credit reporting industry and the mortgage market closely, it’s possible that the forces to create these changes are in place and help may soon be on the way for the estimated 16 million still underwater American homeowners.

Terry W. Clemans is executive director of the National Consumer Reporting Association (NCRA). He may be reached at (630) 539-1525 or e-mail

Link to article at National Mortgage Professional Magazine:

Short Sellers Can Re-Purchase Again… and Gain Back Equity in Underwater Homes

January 1, 2010 by · Leave a Comment 

Short Sellers Can Re-Purchase Again… and Gain Back Equity in Underwater Homes!

Contact Pam Marron for help before and after a shortsale to re-purchase a home, or for SOLUTIONS to Gain Equity Back if you are in an underwater home!

Welcome to my site!

December 21, 2009 by · Leave a Comment 

Thank you for stopping by, also the home of!  Even though I have taken special care and consideration to pack this online resource with a wealth of knowledge about residential mortgage loans and SOLUTIONS for underwater homeowners, feel free to contact me at any time to discuss your unique needs and expectations.

I have been a residential mortgage broker since 1985 and still love this business!