About: I'm a Realtor and Qualifying Broker, and I've sold millions of dollars of real estate in the Albuquerque area. I'm also a lawyer, experienced in all aspects of transactions. My passion is helping Sellers and Buyers improve their lives and maximize the financial benefit of their investments, whethe...
About: I'm a Realtor and Qualifying Broker, and I've sold millions of dollars of real estate in the Albuquerque area. I'm also a lawyer, experienced in all aspects of transactions. My passion is helping Sellers and Buyers improve their lives and maximize the financial benefit of their investments, whether it involves buying or selling a home or finding investment property. I offer exclusive, personalized service to each of my clients, so they don't get lost in the "large-company shuffle". You need not settle for being pushed off on inexperienced associates and "team" support staff. Let me help you make your real estate dreams reality! Some other interesting facts about me: I designed and acted as the general contractor for my own home, so I am familiar with all phases of new home construction. I have also remodeled a number of investment homes...I love discovering the hidden potential in homes and helping my clients upgrade affordably. I have built a great network of professionals in many fields. I love to paint and have shown and sold my artwork in local galleries here in Albuquerque. I am very active in our community, helping to raise money for Alzheimer's Association (I am a past "Dancing Stars" winner and top fundraiser), American Heart Association, the Albuquerque Theatre Guild and other causes. I am a local cabaret singer with a troupe called UpStaged. There is nothing more satisfying to me than offering the highest level of service and advice to my clients!See More
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Displaying: 6 Most Recent Answers
Answered: Nov 18, 2014
Sorry to say, but changing your name is not quick, nor will it avoid inquiry by the bank into other names you have previously used (this question is usually on every application), and some, if not all, of your credit history will still be under the prior name. Regarding your commercial loans with this Bank, I'm sure the loan documents have cross-collateralized all of the assets as much as the bank was able to. The bank also likely got personal guarantees on the commercial debt from one or both of you as individuals. In the event of a commercial default, the bank will pursue ALL assets that it has any sort of access to or power over...bank accounts, other property, etc., not just the subject property. A default on one property is usually grounds for them to declare a default on all of them. Frustrating, I agree, but that is the norm. Banks don't want to lend you money unless you can demonstrate that you don't really need it. Have you attempted to request an extension of time to seek alternate financing? Have you looked into owner-financing (avoiding the use of a bank entirely)? In the latter situation, the interest rate may be a bit higher, but the hassle of dealing with a bank is avoided.
Answered: Nov 18, 2014
Yes, a bank can request financials from related parties that do not own a company before they opt to lend. This is a common practice with closely held businesses, such as family businesses. You do not indicate exactly what records the bank is requesting...you also do not indicate whether you, your husband or your father-in-law has any previous dealings with the same bank, whether your husband is in a position to inherit the assets of this company, or whether there may have been something on your credit application that indicates such. Has your husband historically received any form of a bonus or added income beyond a paycheck that might be triggering an inquiry into the bonus income? All of these questions are important and may shed light on the situation. Have you asked the loan officer why each document is required? I would start by questioning the loan officer and his or her superior. In short, you cannot force a bank to lend you money. The burden is on the borrower to prove creditworthiness. If the bank is overreaching, you can and should take your business elsewhere.
Answered: Nov 17, 2014
Try getting a second opinion from a mortgage lender that locally underwrites the loans. Even if you have to postpone closing, that would be preferable to losing the deal altogether. If you need to be referred to some other lenders, please contact me, and I will be glad to pass along some options.
Answered: Jan 4, 2014
If you have a real estate question regarding Albuquerque and you are a Buyer, please call me and I will be glad to try to help you. Jackie Bregman
Answered: Oct 31, 2013
If you are a potential investor, but you do not want to do the hands-on work and would like to partner with someone who can, give me a call and I can connect you to a reputable person.
Answered: Oct 31, 2013
Try re-sizing the photo before you upload it. If it's a professional head shot, it may be too large.