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- 24 Answers
- 5 First Answers
- 6 Useful Answers
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About Me
Hello and thanks for stopping by my Profile page. Since you’ve taken the time, I’ll do the same and tell you a little about myself. First of all, I’ve been fortunate to call this industry my profession for the last 22 years. My one overriding cornerstone is to treat my clients with honesty and fairness in every aspect of our transactions together. My clients find a noticeable shortage of “tell ‘em what they want to hear...”, and an abundance of helpful, straight forward answers to their questions & concerns.
As your broker, you will never find someone that will work harder or longer to make sure your needs are met. This work ethic has given me the privilege of working with generations of clients. I’m proud to say that I have clients whom are the children and grandchildren of client’s years before them. I look forward to helping you with any real estate or mortgage needs you have.
On the personal side… hmmm. Here goes. I am married to a wonderful woman and the father to a 13 year old girl. Or is that young woman? I’m still not sure about that one. The pleasures of my family are the most important things in the world.
Other things I enjoy are ethnic dining/music &
culture. If I can follow good Dim Sum, gumbo, platanos or chicken tikka with an evening of jazz (Grover Washington), blues (Stevie Ray Vaughn), or R&B (Earth, Wind & Fire), I’m all set.
In addition to ethnic diversity and music, another of my hobbies is officiating high school basketball. It’s a hobby that can be described as human nature at 100 miles an hour. I thoroughly love the challenges, camaraderie and the chance to stay in the game I love.(I'm the guy in the bad polyester stripes!)
Hopefully I will get the opportunity to know about you too. Feel free to call me with any real estate/mortgage questions you may have.
As your broker, you will never find someone that will work harder or longer to make sure your needs are met. This work ethic has given me the privilege of working with generations of clients. I’m proud to say that I have clients whom are the children and grandchildren of client’s years before them. I look forward to helping you with any real estate or mortgage needs you have.
On the personal side… hmmm. Here goes. I am married to a wonderful woman and the father to a 13 year old girl. Or is that young woman? I’m still not sure about that one. The pleasures of my family are the most important things in the world.
Other things I enjoy are ethnic dining/music &
culture. If I can follow good Dim Sum, gumbo, platanos or chicken tikka with an evening of jazz (Grover Washington), blues (Stevie Ray Vaughn), or R&B (Earth, Wind & Fire), I’m all set.
In addition to ethnic diversity and music, another of my hobbies is officiating high school basketball. It’s a hobby that can be described as human nature at 100 miles an hour. I thoroughly love the challenges, camaraderie and the chance to stay in the game I love.(I'm the guy in the bad polyester stripes!)
Hopefully I will get the opportunity to know about you too. Feel free to call me with any real estate/mortgage questions you may have.
My Q&A
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Pat Palmer's Questions (0)
Pat Palmer's Answers (24)
Pat Palmer answered:
Hi Jim,
Your loan would amortize out in 150 months, 6/1/2017. If you'd like to see that amortization schedule, just send me an email, and I'll reply with that attached.If you have any other questions, please click on my web link below.
Your loan would amortize out in 150 months, 6/1/2017. If you'd like to see that amortization schedule, just send me an email, and I'll reply with that attached.If you have any other questions, please click on my web link below.
Pat Palmer answered:
Hi Kristie,
If a physical inspection was done, the standard appraisal form is called a URAR appraisal. The appraiser's signature and license number should appear at the bottom of page 2. If your lender ordered an AVM (Automated Valuation),then it is only a computerized valuation and no appraiser would have inspected the property. You need to ask your broker/lender what was done. If you paid for an actual appraisal, by law. you are entitled to a copy of it. If you have any other questions, you're welcome to contact me. My information is in the web link below.
If a physical inspection was done, the standard appraisal form is called a URAR appraisal. The appraiser's signature and license number should appear at the bottom of page 2. If your lender ordered an AVM (Automated Valuation),then it is only a computerized valuation and no appraiser would have inspected the property. You need to ask your broker/lender what was done. If you paid for an actual appraisal, by law. you are entitled to a copy of it. If you have any other questions, you're welcome to contact me. My information is in the web link below.
Pat Palmer answered:
Hi Tammy,
I might take a different approach. Having owned a mortgage company for many years, I am always less comfortable with the more eyes that need to see a file. Typically, a loan will go to "regional" for larger loan amounts,property types, etc. Also, the word "regional" can mean "outside investor". Again, you have a whole new set of eyes. Eyes that are typically more conservative. My advise is to be persistant with your mortgage contact and let the process play out. Good Luck.
I might take a different approach. Having owned a mortgage company for many years, I am always less comfortable with the more eyes that need to see a file. Typically, a loan will go to "regional" for larger loan amounts,property types, etc. Also, the word "regional" can mean "outside investor". Again, you have a whole new set of eyes. Eyes that are typically more conservative. My advise is to be persistant with your mortgage contact and let the process play out. Good Luck.
Pat Palmer answered:
Hi Louis,
When the dust all settles, you are negotiating with the bank that holds the seller's note. A word of advise. The asking price is generally set by the listing agent. Often, the bank is not involved in that part of the equation. So you stand a chance of having your offer countered with a much different price than expected. Also, short sales are very time intensive right now. In my opinion, you are much better served looking for bank repos. If you have any other questions, you will find my contact information in the web link below. Good Luck.
When the dust all settles, you are negotiating with the bank that holds the seller's note. A word of advise. The asking price is generally set by the listing agent. Often, the bank is not involved in that part of the equation. So you stand a chance of having your offer countered with a much different price than expected. Also, short sales are very time intensive right now. In my opinion, you are much better served looking for bank repos. If you have any other questions, you will find my contact information in the web link below. Good Luck.
Pat Palmer answered:
Hello Bruce,
Without boring you with a long resume, I've been in real estate for some twenty years and own both a real estate company and a mortgage brokerage. A good portion of REO success depends on having someone directly involved in your loan process as much as your real estate offers.If you would like, all my information in in my web link below. I am in Upland, so proximity should not be an issue. Thanks for your consideration
Without boring you with a long resume, I've been in real estate for some twenty years and own both a real estate company and a mortgage brokerage. A good portion of REO success depends on having someone directly involved in your loan process as much as your real estate offers.If you would like, all my information in in my web link below. I am in Upland, so proximity should not be an issue. Thanks for your consideration
My Listings
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Specialties
We specialize in residential real estate in the Inland Empire, Orange and Los Angeles Counties.
Experience
Latest:
Broker/Realtor for Forefront Real Estate
Forefront Real Estate & Forefront Mortgage are the companies that a great group of people have helped build with me. We are a multi-cultural, multi-lingual company that is proud to be of service to our community.We represent San Bernardino, RIverside, Fontana/Rialto/Colton as well as Rancho Cucamonga,Upland, San DImas, Claremont La Verne and Glendora.
March 1985—present
Interests
I enjoy a wide range of interests. Jazz, Blues and R&B music. I love all types of ethinic dining. Camping at the beach is a family favorite. I have always loved sports and have been a high school basketball official for the last eleven years.
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