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Mortgage Analyst and Short-sale Negotiator.

Hawthorne, CA
January 01, 2020

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Robyn D. Carmichael

Los Angeles, CA *****

Mobile: 424-***-****


Experience: Mortgage and Short-sale Analyst July 30, 2018 to Present FCG, Inc dba Direct Services/DS Companies (Studio City, CA)

Underwrite then submit mortgage assistance applications to various Servicers/Lenders;

Assure all Supports, documents and letters of explanation are prepared and provided to underwriter;

Calculate Debt-to-Income (Front-end and Back-end), Loan-to-Value, property valuation, Income calculation;

Underwrote each case along investor guidelines: VA, FHA, FNMA and Conventional conditions and terms;

Negotiated Three or Four Payment Trial Plan, Permanent Modification, Forbearance and Repayment plans based upon client eligibility;

Conducted one per or twice per week case update calls to Servicer; once to twice per month client updates;

Manage Trustee Sale Dates without counter efforts and monitored the Judicial Foreclosure proceedings;

Manage caseload of 65 to 75 active modification submissions; excludes cases under plan Listing and Buyer’s Agent/Short-sale Negotiator June 21, 2017 to Present LeMARK Realty, Inc. (Beverly Hills, CA) – Commercial and Residential

Listing/Sales and Buyer’s Agent – Wholesale (Investor) and Retail

Negotiated settlement of Short-sale, Cash-For-Keys, Deed-in-Lieu and Traditional transactions

Open House Host/Buyer’s lead warm calls

Negotiation of Offer with Buyer and Lender, if applicable

Management of Escrow, Title, Valuation and condition inspections

Coordinated vendors, agents, buyers and sellers to funding/closing Short-sale & Acquisition Manager/Asset Analyst July 13, 2015 to July 27, 2018 CAKK United, Inc./United Law One, LLP. (Mid-Wilshire/Koreatown, CA) – Commercial and Residential

Managed a core team of 9 agents and 4 Property Preservation Representative

Caseload count of 117 short-sale transactions with 41% closing successful within 60 to 81 days

Listing Management on Loopnet, Crexi, Zillow and local MLS platforms

Wrote listing agreements from CAR forms or privately issued forms based on investor mandate

Performed Sales and/or Intake interview with property sellers or their designated agents

Secured release of liens for IRS, FTB, HOA, Child Support Orders and other title lien demands

Coordinated closings with Escrow conditions and Title liens/clouds resolved.

Provided Market Analysis to establish accurate and reliable property valuation (BPO)

Reviewed all client referrals from Foreclosure Defense Attorneys to identify qualified homeowners

Leased all eligible residential & commercial properties based upon investor intent to buy & hold

Negotiated the acquisition of residential properties from 1 to 4 units, Condos and Townhomes

Evaluated the local markets to identify trends and their impact on real estate values and investment strategies Modification & Short-sale Negotiator Supervisor April 19, 2007 to July 10, 2015 TRUE NORTH REALTY, LLC. (Los Angeles, CA) – Commercial and Residential

Negotiated the acquisition of residential and commercial properties

Worked as Project Coordinator to preserve and restore properties for lease option or sale

Performed property preservation and restoration duties for all properties

Wrote leasing agreements from CAR forms or privately issued forms based on investor mandate

Scheduled property access for City/County, appraisal, buyer (home inspection) and/or lender

Secured release of liens for IRS, FTB, HOA, Child Support Orders and other title lien demands

Provided Market Analysis to establish accurate and reliable property valuation (BPO)

Performed Sales and/or Intake interview by phone or face to face in office or at residence

Worked with Foreclosure Defense firms to identify qualified properties and circumstances

Coordinated Escrow duties, Title Insurer investigation and lender to closing

Assured all listing descriptions and statuses were accurate in compliance with MLS rules and regulations

Handled acquisitions in CA, Washington State, Arizona, Nevada and Florida Education: CA Department of Real Estate (DRE)

License No.: 01901086

Status: Active

Type: Salesperson

Issue Date: July 21, 2011

Expiry Date: July 20, 2019

Discipline: No Public Complaints

Current Broker: LeMark Realty & LeMark Estates, Inc. (CalBRE#01831617) Nationwide Mortgage Licensing System & Registry (NMLS) NMLSR ID: 814602

Status: Not Active

Issue Date: November 2011

Expiry Date: December 31, 2013

Education: Out of compliance

Discipline: No Public Complaints

University of California, Los Angeles (UCLA)

Degree: Bachelor’s in Science, Economics

Matriculation Date: June 1991

Memberships: Beverly Hills/Greater Los Angeles Association of Realtors (BHGLAAR)


Technology: CRM Software and Information Technology Experience

Transaction Software: Equator, SX3, Short-sale/Realty Commander, Yardi 7.0, MRI (Web & Citrix), Kardin

REO Management: REO Maestro,, Equator, Isis, Xome

Lead Management Software: Lead360/Velocify, Top Producer

Loss Mitigation Software: The R.E.S.T. Report, The Loan Post, Captaloans and HOPE Loan Portal

Residential Lending Software: Calyx Point, Encompass

Property Search Engines: Crexi, Loopnet, The MLS/CLAW, CRMLS

Title Resources: Property Profiles and Preliminary Title Reports (Chicago Title)

Technology: Internet, Microsoft Suite, Zipforms, WinForms, CAR Forms and Docusign, DU/LP decisions

Perform market analytics of value, location analytics, availabilities, sales, acquisitions and leasing

• Provide informal assistance acting as trainer, subject-matter expert or technical guide

• Interact with City Offices to secure building permits and inspection clearances

• Evaluating potential real estate acquisitions in target markets

• Create then present investment analyses for relevant teams

• Recruit, hire, onboard and train

• Bookkeeping, A/P, A/R, Reconciliation

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