Dec
5
Padding The HUD Is Necessary In Short Sale Dealings
For those of you that have not seen Group 46:10 or shortsalepowerhour.com before, Kevin and Fred are rather casual. So, if you don’t care for their dress or disposition, we hope that you at least collect some good information from their content.
Today Kevin and Fred would like to speak about a method called padding the HUD and the whole title part of the short sale transaction. Specifically, we’ll give you several details about padding the HUD with the next few episodes that ensue relating to other specific tactics with your title officer.
Appreciate, when we use the word ‘padding’ we are referring to the estimation of the fees that you put on your initial HUD. The grounds for doing this is that lenders like to strip away and negotiate fees even when they do not have to.
When you pad a HUD you are building a win for the bank because they get to eliminate some fees and they feel better about the transaction. A lender may inform you that they don’t strip fees away, but try sending in a HUD with the least fees on it and see if the bank tries to strip some of those fees away. You will quickly learn your lesson.
In fact, you may not be able to send an exact HUD because of the flexible closing date. Many things are projected like home owners association fees, taxes, and other small fees. Frankly, if there weren’t any counteroffers this possibly wouldn’t be needed. There were lots of occasions in the beginning of this business where Kevin and Fred did not pad the HUD and ended up taking a hit on their commission.
The last thing that you need to remember is that padding is not illegal or dishonest. Much like a home buyer that can afford $200,000, but makes an offer at $190,000, they are simply protecting their interests.
Get powered up by Kevin and Fred at Short Sale Power Hour by the Short Sale Specialists of Arizona
Pads, Tampons, and Liners I Like/Use
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New In Package Vera Bradley Folio Take Note Collection Note Pad File Hope Garden $24.99 |
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EBC RED BRAKE PADS – HOPE MOTO V2 $20.37 |
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EBC RED BRAKE PADS – HOPE MONO MINI $20.37 |
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EBC RED BRAKE PADS – HOPE MONO 6TI 6 PISTON TI $20.37 |
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EBC GREEN BRAKE PADS – HOPE X2 $15.67 |
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EBC GREEN BRAKE PADS – HOPE MOTO V2 $15.67 |
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Aztec Organic disc brake pads for Hope Open / Closed 2-piston calliper (Pro/Spor $20.75 |
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Aztec Organic disc brake pads for Hope XC4 callipers $20.75 |
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Aztec Organic disc brake pads for Hope Organic / DH4 callipers (2 pairs) $20.75 |
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Aztec Organic disc brake pads for Hope Mono Mini callipers $20.75 |
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Aztec Organic disc brake pads for Hope Mono 6 Pot callipers $20.75 |
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Aztec Organic disc brake pads for Hope Moto V2 $20.75 |
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Aztec Organic disc brake pads for Hope Mono Trial $20.75 |
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Aztec Organic disc brake pads for Hope Tech X2 callipers $16.99 |
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Aztec Sintered disc brake pads for Hope Tech X2 callipers $26.68 |
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Aztec Sintered disc brake pads for Hope Open / Closed 2-piston (Pro / Sport) $26.68 |
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Aztec Organic disc brake pads for Hope Open / Closed 2-piston calliper (Pro/Spor $17.23 |
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Aztec Organic disc brake pads for Hope Mono 6 Pot callipers $17.23 |
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Hope Tech Mini, M4 (pre 2003 models) Disc Brake Pads. $0.99 |
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1- Breast Cancer Awareness pink pen and sticky pad set (Peace Love Hope) A02 $1.95 |
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HOPE of the NATION ~ Padded Hardcover ~ Christian Heritage $12.99 |
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Vera Bradley ‘Hope Garden’ (Retired) Diaper Bag w/Pad $19.99 |
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VINTAGE BLUE & GOLD WICKER PADDED STORAGE HOPE CHEST TRUCK WITH QUEEN ANNE LEGS $75.00 |
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Hope X2 M4 V2 Mono Moto Pad Disc Brake Pads Clip $2.70 |
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Clarks Hope Mono Mini Disc Brake Pads (Spring Inc) $14.43 |
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4 Pairs Red CERAMIC Hard Hope Mono M4 Disc Brake Pads $64.99 |
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NICE PADDED CUSHIONED STORAGE HOPE CHEST 36X18X18 $99.99 |
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Hope Mini Mono 160mm Rotors Uncut Hoses Brand New Brake Pads Front & Rear NR $195.00 |
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Hope Mini Mono Organic Disc Brake Pads Free Shipping $9.95 |
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Hope Mono M6 Brake Pads Sintered Compound Disc Brake Pads $30.03 |
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Hope M4 Brake Pads 4-Piston Disc Brake Pads $34.09 |
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Hope Mono Mini Disc Brake Pads Organic Compound $26.79 |
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Hope Moto Disc Brake Pads Standard Compound $29.22 |
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Hope Mono M4 Disc Brake Pads Sintered Pair $30.03 |
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Hope Mono Mini Disc Brake Pads Sintered Compound $30.03 |
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Hope Mini Brake Pads 2-Piston Disc Brake Pads $30.03 |
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Hope X2 Organic Disc Brake Pad: 2 Piston Pads $26.79 |
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Hope Mono M6 Piston Organic Compound Disc Brake Pads $26.79 |
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Hope X2 Sintered Disc Brake Pad: 2 Piston Pads $30.03 |
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Hope Mono M4 Disc Brake Pads Organic Compound Pair $26.79 |
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Hope X2 M4 V2 Mono Moto Pad Disc Brake Pads Clip $3.23 |
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EBC Disc Pads-Hope Mini Gold $12.92 |
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Padded Pine Finish Floral Cedar Hope Chest Trunk Lock $211.66 |
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Padded Lid Seat Pine Finish Cedar Hope Chest Trunk Lock $410.29 |
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Vuelta Clarks Organic Disc Brake Pad Set Fits XT/Grimeca 8/16/SRAM/Hope Mono 4 $4.95 |
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Hope X2 Organic Disc Brake Pad: 2 Piston Pads $28.22 |
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Hope Mono Mini Disc Brake Pads Organic Compound $28.22 |
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Hope Mono M6 Piston Organic Compound Disc Brake Pads $28.22 |
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EBC Disc Pads-Hope Mini Gold $15.12 |
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Hope Mono M4 Disc Brake Pads Sintered Pair $31.64 |
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Hope Mini Brake Pads 2-Piston Disc Brake Pads $31.64 |
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Hope X2 Sintered Disc Brake Pad: 2 Piston Pads $31.64 |
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Hope Moto Disc Brake Pads Standard Compound $30.78 |
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Hope Mono M4 Disc Brake Pads Organic Compound Pair $28.22 |
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Hope M4 Brake Pads 4-Piston Disc Brake Pads $32.13 |
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Hope Mono M6 Brake Pads Sintered Compound Disc Brake Pads $31.64 |
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New Alligator ceramic sintered pads, for HOPE MINI $17.46 |
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Hope Mono Mini Disc Brake Pads Sintered Compound $31.64 |
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Hope Mono M6 Bike Disc Brake Pads Sintered compound $33.93 |
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Hope Mini Bike Disc Brake Pads , 2-piston pads $33.93 |
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Hope Mono Mini Bike Disc Brake Pad Sintered compound $33.93 |
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Hope Moto Bike Disc Brake Pads Standard Compound $37.93 |
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Hope X2 Sintered Bike Disc Brake Pads (2 piston pads) $30.93 |
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Hope Mono M2, M4 Pad Pin Clip $5.93 |
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Hope Mono M4 4-Piston Sintered Bike Disc Brake Pads $30.93 |
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Nuke Proof Hope Moto V2 Bike Disc Brake Pads Trail $14.04 |
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Nuke Proof Hope Mono Mini Bike Disc Brake Pads Trail $14.04 |
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Nuke Proof Hope XC4 Disc Brake Pads Trail $14.04 |
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Nuke Proof Hope X2 Bike Disc Brake Pads Trail $14.04 |
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Nuke Proof Hope Mini Bike Brake Pads Endura $14.04 |
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Barbieri Stop Disc Brake Pads for Shimano Deore XT, Hope Mono 4/5 $7.04 |
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BBB BBS-64A MTB Disc Brake Pads for Hope Mono mini. $11.76 |
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NEW VERA BRADLEY E-Reader Sleeve Padded Kindle Nook Case NWT – Choose Your Color $37.88 |
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JAGWIRE DBL171 FOR HOPE MINI PART# DCA023 DISC BRAKE PADS $9.99 |
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Hope Tech Mono M4 Bike Brake Pads Standard $18.74 |
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NWT NEW Vera Bradley Baby Diaper Bag HOPE GARDEN Changing Pad Overnight Duffel $96.99 |
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New Jagwire disc brake pads, DCA028, for HOPE M4 $13.96 |
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Hope Mini Brake Pads 2-Piston Disc Brake Pads $32.99 |
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Hope Mono M4 Disc Brake Pads Organic Compound Pair $28.99 |
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Hope Mono M6 Brake Pads Sintered Compound Disc Brake Pads $32.99 |
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Hope M4 Brake Pads 4-Piston Disc Brake Pads $31.99 |
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Hope Mono Mini Disc Brake Pads Sintered Compound $32.99 |
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Hope Mono Mini Disc Brake Pads Organic Compound $28.99 |
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1959 Hope of the Nation The Great Physician Padded Hardcover Edition $7.55 |
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For Hope Mini Mountain Bike Disc Brake Pads Pair $7.50 |
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CLARKS ORGANIC DISC PAD HOPE MONO MINI CALIPER PAD VX826C $9.99 |
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VERA BRADLEY NOTE PAD SET With STICKY NOTES ~~YOUR CHOICE~~ $22.95 |
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EBC Disc Pads-Hope Mini Gold $16.99 |
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Punch Studio Everyday 2012 Words of Wisdom Pocket Note Pads-Hope 59633 $6.30 |
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Hope X2 Sintered Disc Brake Pad: 2 Piston Pads $32.99 |
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Marwi Pads For Hope Mono Mini Disc Brakes Brake Callipers MTB Bicycle Bike $10.96 |
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EBC Green Disc Pads For Hope Mini Brakes- Cross Country Use- New $9.99 |
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PINE FINISH PADDED HOPE STORAGE CHEST BENCH $299.00 |
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Hope Mini Disc Brake Pads, Kool-Stop KS-D550 $16.19 |
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EBC Disc Pads-Hope Mini Gold $14.00 |
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Ebc Hope Piston Pro C2 Disc Brake Pad – Red $17.11 |
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EBC Disc Pads-Hope Mini Gold $16.99 |
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Hope X2 M4 V2 Mono Moto Pad Disc Brake Pads Clip $3.99 |
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Hope X2 Organic Disc Brake Pad: 2 Piston Pads $28.99 |
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Hope Moto Disc Brake Pads Standard Compound $31.99 |
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Star Wars Tin Lunchbox – Luke Skywalker Princess Leia Han Solo Obi-Wan Kenobi A New Hope $11.98 The Force will be with you at lunch with this collector’s grade tin lunchbox for A New Hope!… |
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Australia – HOPE VALE Set of 4 Mini-Mousepad Coasters $8.99 Protect your furniture with this set of 4 mini-mousepad coasters. Each coaster is 3.5 x 3.5 inches (width & lenght). They are soft top made out of mousepad material (polyester surface, neoprene backing) and work well as coasters…. |
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Botswana – GOOD HOPE Set of 4 Mini-Mousepad Coasters $8.99 Protect your furniture with this set of 4 mini-mousepad coasters. Each coaster is 3.5 x 3.5 inches (width & lenght). They are soft top made out of mousepad material (polyester surface, neoprene backing) and work well as coasters…. |
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The Andy Griffith Show – The Complete Final Season $14.74 All good things must come to an end–even a classic TV series like The Andy Griffith Show–but most would hope to close out their network run like the venerable rural comedy series did, with its popularity intact (Griffith brought the show to a close with its ratings at #1) and its episodes still featuring the gentle, observant humor that marked every visit to Mayberry since its debut in 1960. Few… |
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Michelle & Tyler $1.99 … |
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Wellspring Magnetic Refrigerator Note Pad with Pencil, Inspirations, Faith, Hope, and Love (1 Corinthians 13:13) Gone are the days of tacky notepads or simple lined paper pads. Introducing the stylish and beautiful designs from Well Gifts. This Inspirations design from the Inspirations Collection is artistically stunning and perfectly functional. Mounted with a magnet-back, it can secure to your refrigerator or a metal object and allows you to jot your grocery list, honey-do list or reminder notes. Comes wit… |
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Alex Toys My Jumbo Art Pad (12X18) $8.76 My Jumbo Art pad contains 32 sheets of heavyweight construction paper in 8 bright colors plus 80 sheets of white doodle paper for coloring, cutting, pasting, finger painting and doodling…. |
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Breast Cancer Awareness Notepad And Pen Set $2.99 This Breast Cancer Awareness Notepad and Pen are perfect for keeping track of important dates and taking notes. Think pink with our well-curated selection of favors, gifts, tableware, hats, apparel, party decorations and jewelry. Pink ribbon merchandise is perfect for any Breast Cancer awareness fundraiser, walk, or dinner. This is perfect for giveaways at your event or as gifts for your loved one… |
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Vera Bradley Baby Bag Diaper Hope Garden $97.00 You can’t miss with this multi-functional baby bag by Vera Bradley. Offers a modern look with superior quality for all your outings. Sturdy cotton soft structured tote with reinforced double handles. Total of four exterior pockets varying in size to suit all your needs for storing keys, toys and bottles for your precious one. Easy zip top opening with Vera Bradley signature ribbon pull. Two i… |
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Philosophy Microdelivery Purifying Peel philosophy:we pioneered a next-generation medical microdermabrasion procedure that rapidly resurfaces as it replenishes the skin with vitamin c. the treatment is known as the microdelivery peel.philosophy pioneered the first medical microdermabrasion machine that rapidly exfoliated the skin as it delivered vitamin c deep into the skin. the treatment is known as the microdelivery peel and is popula… |
