Robyn D. Carmichael
Los Angeles, CA *****
Mobile: 424-***-****
E-mail: ada6lr@r.postjobfree.com
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) TheMLS.com/CLAW
CRMLS
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, RES.net, 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