Changes happening with Short Sales

http://youtu.be/lPmRtRedfBc

Finally there are changes happening in short sales that are making since and helping homeowner.  Watch the video to see if we can help you.  Than call for a free consultation at 702-496-7416.

Amanda Brown
Platinum Real Estate Professionals
lasvegasshortsalesnow.com

Woman Fight HOA Charge

http://www.8newsnow.com/story/22383065/8-on-your-side-helps-woman-fight-hoa-charge?autoStart=true&topVideoCatNo=default&clipId=8906901

Posted: May 22, 2013 5:05 AM PDTUpdated: May 22, 2013 11:10 AM PDT

By Michelle Mortensen, Investigative Reporter - email

By Rudy Villarreal, Photojournalist - emai

LAS VEGAS - Sicilian-born Esther Sardina loves to cook.

"I'm going to make a pizza margarita. It's made with basil, mozzarella, tomato. I made it my own way," she said. "My hands are always in it. That's what it is to put love in your food. You got to use your hands. If you don't put love in your food while you are making it, it won't taste good."

Sardina has a lot of spunk. So, when she received a letter from her homeowners association Terra West, she was upset and offended.

"It made me feel like I was a dummy," she said.

Sardina accidentally shorted her HOA dues by 20 cents. "Don't ask me why I forgot the 20 cents," she said.

She offered to fix the error, by sending her HOA one dollar – more than enough to cover her $0.20 shortage. Her HOA responded by charging her a $10 late fee.

"That doesn't make any sense," she said. "I'm going to call Channel 8."

8 on Your Side called Terra West. After weeks of getting the runaround, 8 on Your Side got her results.

"They got kind of scared I think, because they knew they were wrong," she said.

The homeowners association wiped her debt. Now, Sardina can stop worrying about the charge and focus on her cooking.

Terra West representatives say they were glad 8 on Your Side brought this problem to their attention, and they had the opportunity to fix it.

This valuable information is brought to you by Amanda Brown at Platinum Real Estate Professionals, 702-496-7416.

Short Sale Expert

lasvegasshortsalesnow.com 

Homeowner on Arby Ave in Las Vegas, NV has a successful short sale with Amanda Brown

Radhika Jain, past owner of 6255 Arby Ave was delighted that her short sale was over.  She said she decided to use Amanda Brown because after interviewing many agents, she felt Amanda represented herself with honesty and integrity.  Two areas that were very important to her when hiring a real estate agent.  She said "it is hard to find people who aren't just after your money in Las Vegas and want to do the right thing.
When asked one word to sum up her experience with Amanda Brown she said, exceptional.  Radhika feels that Amanda has a team that represents her core values of honesty, integrity and providing the best service they are capable of.  She also said that she is very grateful to Amanda for all her assistance and support she and her staff provided through this stressful process.

Amanda Brown
702-496-7416
lasvegasshortsalesnow.com

Economic Update - May 27, 2013

Sean Uyehara Senior Loan Officer Prospect Mortgage 2370 Corporate Circle, # 190 Henderson, NV 89074 Office: (702) 492-4664 Cell: (702) 336-4980 Fax: (877) 801-9423 sean.uyehara@prospectmtg.com NMLS# 338525  • Learn about home loans • Use loan calculators • Apply for a home loan Referral Request:  Please forward my contact information to anyone you know with a need for real estate financing! Like Prospect on Facebook Follow Prospect on Twitter Follow Prospect on LinkedIn In the News New home sales rose 2.3% in April to a seasonally adjusted annual rate of 454,000 units from a rate of 444,000 units in March. On a year-over-year basis, new home sales were 29% higher than April 2012. At the current sales pace, there is a 4.1-month supply of new homes on the market. Retail sales rose 0.2% for the week ending May 18, according to the ICSC-Goldman Sachs index. On a year-over-year basis, retailers saw sales increase 3.1%. The Mortgage Bankers Association said its seasonally adjusted composite index of mortgage applications for the week ending May 17 fell 9.8%. Purchase volume fell 3%. Refinancing applications decreased 12%. Existing home sales rose 0.6% in April to a seasonally adjusted annual rate of 4.97 million units from 4.94 million units in March. Compared to a year ago, existing home sales were up 9.7% in April. The inventory of unsold homes on the market rose 11.9% to 2.16 million in April, a 5.2-month supply at the current sales pace, up from a 4.7-month supply in March. Orders for durable goods — items expected to last three or more years — increased $7.2 billion, or 3.3%, to $222.6 billion in April. This follows a 5.9% decrease in March. Excluding volatile transportation-related goods, March orders posted a monthly increase of 1.3%. Initial claims for unemployment benefits for the week ending May 18 fell by 23,000 to 340,000. Continuing claims for the week ending May 11 fell by 112,000 to 2.912 million, a new recovery low. The less volatile four-week average of claims for unemployment benefits was 339,500. Upcoming on the economic calendar are reports on the housing price index on May 28 and gross domestic product and pending home sales on May 30. Share:   Click here to visit my website and apply online: http://www.myprospectmortgage.com/SUyehara

Survey: Nevada Leads U.S. in Home Price Gains - Classified Ad

Survey: Nevada Leads U.S. in Home Price Gains - Classified Ad

Survey: Nevada Leads U.S. in Home Price Gains

Date: May 8, 2013, 7:22:47 AM PDT
Subject: Survey: Nevada leads U.S. in home price gains

The article, Survey: Nevada leads U.S. in home price gains, from the Las Vegas Review Journal, reports that the Greater Las Vegas Association of Realtors reported a median existing single-family home price of $167,000 in April, up 30.6 percent compared with April 2012. The median for condos and townhomes surged to $85,000, up 41.9 percent. What is more, real estate data provider CoreLogic said Nevada led the nation in appreciation in March, with an annual price gain of 22.2 percent. That is more than double the 10.5 percent national increase. Following Nevada were California, 17.2 percent; Arizona, 16.8 percent; Idaho, 14.5 percent; and Oregon, 14.3 percent. Higher prices filter through the economy in important ways, said Steve Brown, director of the Center for Business and Economic Research at the University of Nevada, Las Vegas. “It starts re-creating the incentive to build houses, and it’s also indicative of the fact that the Las Vegas economy is improving, and people are willing to spend money,” Brown said. Brown said the newest figures also may support estimates of population growth from the Census Bureau, which said in March that Clark County added 19,000 new residents in 2012, the county’s biggest increase since 2008. “If the Census Bureau is right, part of what we’re seeing happen here in the housing market is basically the creeping up of the population beginning to put pressure on the housing market,” he said. Brown called current appreciation rates “fairly sustainable” and said prices could grow significantly for at least the next 18 months. Homebuilders are out of developed lots for new construction, and it could be at least a year before they have more land for subdivisions. The median existing-home price here is still below construction cost. Values would need to jump another 20 percent to 25 percent for building to make sense, he said. A shortage of new-home inventory should help keep a lid on housing supplies, and put upward pressure on prices.Brown estimated the market could gain another 35 percent in its median home value over the next year and a half.

Here is the link to the entire article: http://www.reviewjournal.com/business/housing/survey-nevada-leads-us-home-price-gains

This valuable information was brought to you by short sale expert Amanda Brown, 702-496-7416

lasvegasshortsalesnow.com

The Las Vegas Short Sale Experts!: Short Sale and Stay!

The Las Vegas Short Sale Experts!: Short Sale and Stay!: No matter what your credit or financial position may be now, the Short Sale Leaseback Program may offer you a unique opportunity. Here is ...

Short Sale and Stay!

No matter what your credit or financial position may be now, the Short Sale Leaseback Program may offer you a unique opportunity. Here is why:

“Section 7.3 of Chapter IV of the Home Affordable Alternatives Program (HAFA) Handbook requires that a short sale be an arm’s length transaction. In March 2011 this provision was amended(see page 8) to allow servicers (banks) the discretion to approve sales to non-profit organizations with the stated purpose that the property will be rented or resold to the borrower, so long as all other HAFA program requirements are met.” 

Have you been thinking of short selling your home? Many homeowners are unsure of what happens?

Homeowners new programs let you short sale and stay. Don't sell to a non profit trying to gouge you for 10%. There are several non profits that will compete to give you the lowest monthly payment and the lowest buy back. We represent you!


http://www.vegasmorningblend.com/videos/207925621.html

Call now for your free consultation!  702-496-7416
lasvegasshortsalesnow.com
Amanda Brown

The Las Vegas Short Sale Experts!: Short Sale success in Las Vegas with Amanda Brown

The Las Vegas Short Sale Experts!: Short Sale success in Las Vegas with Amanda Brown: Alan Leclerc who recently short sold his him on Wandering Winds, Las Vegas was very pleased with his short sale agent. He was very concer...

Short Sale success in Las Vegas with Amanda Brown

Alan Leclerc who recently short sold his him on Wandering Winds, Las Vegas was very pleased with his short sale agent. He was very concerned about the bank talking to us to get the short sale done. His bank's were Seterus and GMAC. Not only did Amanda Brown get both banks to talk to her regarding the short sale, but both banks also released the homeowner of all remaining debt. Wandering Winds was a second property for Alan and he also was very concerned about how the bank would feel that he had purchased another home and tried to rent out Wandering Winds. He was very pleased to see that that was not a problem at all. When Alan was asked, What is one word you could describe the experience he said "Seamless".

Call Amanda Brown at 702-496-7416 to see how she can help you. 
Lasvegasshortsalesnow.com

Economic Update - May 20, 2013

Sean Uyehara Senior Loan Officer Prospect Mortgage 2370 Corporate Circle, # 190 Henderson, NV 89074 Office: (702) 492-4664 Cell: (702) 336-4980 Fax: (877) 801-9423 sean.uyehara@prospectmtg.com NMLS# 338525  • Learn about home loans • Use loan calculators • Apply for a home loan Referral Request:  Please forward my contact information to anyone you know with a need for real estate financing! Like Prospect on Facebook Follow Prospect on Twitter Follow Prospect on LinkedIn		In the News Retail sales rose 0.1% to $419 billion in April. This follows a 0.5% decrease in March. Compared to April 2012, retail sales have increased 3.7%. The Mortgage Bankers Association said its seasonally adjusted composite index of mortgage applications for the week ending May 10 fell 7.3%. Refinancing applications decreased 8%. Purchase volume fell 4%. The producer price index, which tracks wholesale price inflation, fell 0.7% in April, following a 0.6% decrease in March. On a year-over-year basis, wholesale prices were up 0.6% in April. Core prices — excluding food and fuel — rose 0.1% in April. Industrial production at the nation's factories, mines and utilities fell 0.5% in April after a 0.3% increase in March. Compared to April 2012, industrial production has increased 1.9%. Capacity utilization fell to 77.8% in April from 78.3% in March. The National Association of Home Builders/Wells Fargo monthly housing market index rose three points in May to 44. An index reading below 50 indicates negative sentiment about the housing market. Consumer prices fell 0.4% in April, following a 0.2% decrease in March. Compared to April 2012, consumer prices have risen 1.1%. Consumer prices at the core rate — excluding volatile food and energy prices — were up 0.1% in April. The combined construction of new single-family homes and apartments in April fell 16.5% to a seasonally adjusted annual rate of 853,000 units. Single-family starts decreased 2.1%. Volatile multifamily starts fell 38.9%. Compared to the previous year, housing starts were up 13.1% in April. Applications for new building permits, seen as an indicator of future activity, rose 14.3% to an annual rate of 1,017,000 units. Initial claims for unemployment benefits for the week ending May 11 rose by 32,000 to 360,000. Continuing claims for the week ending May 4 fell by 4,000 to 3.009 million. The less volatile four-week average of claims for unemployment benefits was 339,250. Upcoming on the economic calendar are reports on existing home sales on May 22 and new home sales on May 23. Share:   Click here to visit my website and apply online: http://www.myprospectmortgage.com/SUyehara

Mortgage defaults decline, but Nevada still ranks high

This valuable information is brought to you by Amanda Brown at Platinum Real Estate Professionals, 702-496-7416,  lasvegasshortsalesnow.com

http://www.reviewjournal.com/business/housing/mortgage-defaults-decline-nevada-still-ranks-high

LOS ANGELES — Six years after the start of the foreclosure crisis, American homeowners are paying their mortgages like the housing crash never happened although Nevada borrowers still rank in the top five for delinquencies.

First-time delinquent home loans fell to 0.84 percent of the 50.2 million mortgages in March, the first month below 1 percent since 2007, before a wave of defaults led to the financial crisis, according to a report Monday by Lender Processing Services. The rate of first-time defaults, defined as loans that went from performing to at least 60 days delinquent, peaked at 2.89 percent in January 2009.

Florida had the highest rate of non-current mortgages with 18.2 percent of loans either delinquent or having received a foreclosure notice, followed by New Jersey, Mississippi, Nevada and New York. While Florida’s problem loans declined over the last year, the number increased 5.8 percent in New Jersey and 6.1 percent in New York. All three are judicial states, where homes languish in foreclosure more than 1,000 days while waiting to be repossessed.

The decline in new problem loans shows that the recovering U.S. economy, falling unemployment and rising home prices, combined with more than four years of banks’ tightening lending standards, are propelling the worst real estate crash since the Great Depression into the rearview mirror.

“Mortgage quality is improving rapidly,” Mark Zandi, chief economist for Moody’s Analytics Inc. said in a telephone interview from his office in West Chester, Pa. “Once we’re able to work through this last bulge of foreclosed property, which I think we’ll be able to do over the next 18 to 24 months, mortgage credit quality is going to look absolutely beautiful.”

Mortgages at least 30 days delinquent or in some stage of foreclosure fell to 5 million in March, down from a peak of 7.7 million in January 2010, according to Lender Processing Services, a real estate information service based in Jacksonville, Fla. That’s still more than double the 2.2 million non-current mortgages of January 2005, when the housing market was rising toward its peak.

Tight lending standards have made it harder for borrowers to obtain mortgages, helping drive down default rates while reducing the homeownership rate in the first quarter to 65 percent, the lowest since 1995.

The Federal Housing Administration, which offers loans to buyers with downpayments as low as 3.5 percent, has steadily raised its credit scores. In the third quarter of 2012, the most recent available, 97 percent of FHA borrowers had credit scores above 620 of a possible 850. In the last quarter of 2006, only 53 percent had a score above 620.

New mortgage default rates are highest among so-called “underwater” borrowers, who have negative equity because they owe more on their home than the balance of their loan, said Herb Blecher, senior vice president at LPS Applied Analytics.

The new default rate was 4 percent for borrowers who owe at least 50 percent more than the value of their home compared with 0.6 percent for owners with equity, according to today’s report.

The number of home loans with negative equity fell to about 9 million or 18 percent of homes with a mortgage in January, the report said. That’s down 41 percent from a year earlier and 47 percent lower than the peak of 17 million loans in February 2011.

U.S. home prices climbed at the fastest pace since May 2006, rising 9.3 percent in February from a year earlier, according to an April 30 report by the S&P/Case-Shiller index of property values.

There’s a “feeding frenzy in housing” as Americans seek to take advantage of prices about 29 percent below their 2006 peak and mortgage rates near record lows, said Ross Perot Jr., 54, chairman of Dallas-based real estate company Hillwood Development Co., in a telephone interview. Perot’s father, H. Ross Perot, twice ran for president as an independent candidate.

“The big picture: this economy is coming back,” Perot said from Newport Beach, Calif., where he was breaking ground on a condo project backed by his Dallas-based company. “The American people are very shrewd and they realize it’s a great time to borrow to buy a home because pricing is very cheap.”

The average rate for a 30-year fixed mortgage dropped to 3.35 percent last week, down from 3.84 percent a year ago as the Federal Reserve has bought $85 billion of bonds to stimulate the economy. The average 15-year rate is a record low 2.56 percent.

Demand is also rising as more Americans find jobs. The unemployment rate fell to 7.5 percent in April, its lowest rate since December 2008, the Labor Department reported May 3.

While new defaults have declined, loans that are at least 90 days delinquent account for a growing share of the non-sperforming mortgage pie: 62 percent this year compared with 30 percent in 2005, according to Lender Processing Services. The late-stage delinquency loans are increasingly concentrated in so-called judicial states that require court approval for foreclosures.

“The new problems coming into the system have alleviated,” Blecher said in a telephone interview. “It’s really about addressing what’s still in the pipeline.”

Survey: Nevada leads U.S....Report: Las Vegas posts...

Returning to the Housing Market After a Short Sale, Foreclosure

This valuable information is brought to you buy Amanda Brown at Platinum Real Estate Professionals, 702-496-7416.  lasvegasshortsalesnow.com

Things are starting to look up for Americans who lost their homes during the recession

By SUSAN JOHNSTON

For the millions of Americans who lost their homes in a foreclosure or short sale during the recession, things are starting to look up. In addition to receiving a piece of the $3.6 billion settlement that banks are distributing to borrowers who were wrongfully foreclosed on, some homeowners are now becoming "boomerang buyers" and re-entering the market after a foreclosure or short sale.

Neal Katz, a mortgage agent at All Western Mortgage in Las Vegas, says he fields calls from a number of people wondering how long they have to wait before qualifying for another mortgage. "The biggest hurdle is time," he says. "Time is the only thing that makes things better."

Wait times vary depending on individual circumstances such as the size of the down payment and whether the buyer's home was foreclosed or sold in a short sale. Those who've gone through foreclosure might wait three years for a Federal Housing Administration loan or seven years for a conventional loan, according to Katz. The wait time may be closer to two or three years after a short sale. In rare cases, a homeowner who sold in a short sale may be able to get a new loan right away if he or she hasn't fallen behind on mortgage payments.

[Read: Why You Can't Afford to Skip Renter's Insurance.]

Programs aimed at helping borrowers re-enter the market through second-chance mortgages are popping up throughout the country, especially in cities like Las Vegas that were hit hard by the housing bust. Buyers who've left the market for several years and meet income requirements may be eligible for first-time buyer programs as well.

Going from owning a home to renting isn't an easy transition for most people. "It's very hard on homeowners when they have to go out and ask someone to rent them a house," says Dianne Langston, a real estate broker in Solano County, Calif. "They're ready to get out of the rental situation and be a homeowner again."

Despite the ego blow, that transition time between mortgages offers a chance to save for another down payment and clean up any credit issues. Some people who've experienced foreclosure or a short sale also let other financial obligations slide out of frustration or resignation, Katz explains. Now's the time to tackle those issues. "If you have a small collection account from a credit card, settle it," Katz says. "Take care of all the other things you can to show the underwriter that you did the best you could. That way, the delinquencies are so long ago that it shouldn't have an impact on your credit score anymore."

[Read: Secrets of Successful House Flippers.]

Still, the fact that someone may qualify for a mortgage doesn't mean they'll immediately jump back into homeownership. Historically, only 30 percent of borrowers who defaulted on their mortgage in 2001 had taken out another mortgage within 10 years, according to researchers at the Federal Reserve Bank of San Francisco. The researchers also found that borrowers who terminated their mortgages not due to a default (for instance, paying off the house or switching to a larger or smaller house) returned to the mortgage market about two-and-a-half times faster.

Heather Harmon, a Redfin agent in Sacramento, Calif., sees some buyers waiting longer than they need to before buying again because of emotional reasons. "They've had to recover psychologically from the experience as much as they've had to recover financially," she says. "You definitely see the buyers who are just mad about what happened. They blame it on circumstances, and they're afraid of it happening again. In other cases, they're really embarrassed. They feel exposed, and they've got to drag their financials back out again."

Many people are depressed or discouraged after a foreclosure or short sale, according to Langston, because a house symbolizes their hard work and oftentimes the American Dream. "They don't understand that it's not the end of the line," she says. "I always encourage people by letting them know that they can re-enter the marketplace."

[In Pictures: 10 Ways Your Home Can Pay You Money]

Harmon recently worked with a couple in their 60s who bought a new home with a Department of Veterans Affairs loan two years after selling their previous house in a short sale. "They weren't proud of it, but they're picking themselves up again," she says, adding that younger homeowners often have a harder time bouncing back from a short sale because of the impact on their kids and the desire to keep up with the Joneses.

While buying a house seemed nearly impossible for the couple thanks to the competitive local market and the longer closing time for a VA loan, Harmon says building a relationship with the seller and the seller's agent helped the deal close. "We strategized our offer in a way to give the seller everything we possibly could give him because we were bound by the terms of the VA," she says.

Great Interview

This is probably the most honest interview I have ever seen.  Thank god there was a happy ending and everyone is safe.

http://gawker.com/the-guy-who-rescued-three-kidnapped-women-in-cleveland-493626030?utm_campaign=socialflow_gawker_facebook&utm_source=gawker_facebook&utm_medium=socialflow

Amanda Brown
702-496-7416
brownnvrs@gmail.com
lasvegasshortsalesnow.com

Prices going up in Las Vegas

Home prices are going up in Las Vegas according a recent article in the Review Journal.  The question is will this last?   Or will their be another wave of foreclosures?  Banks are saying they don't have any shadow inventory.  They say they are not holding homes and waiting to put them on the market.  However, there are thousands of vacant homes in Las Vegas that don't have any power on.  As long as our inventory stays low we will continue to have a rise in our prices.   If you have more questions on the Las Vegas Real Estate Market please feel free to call Amanda Brown, with Platinum Real Estate Professional, 702-496-7416.  lasvegasshortsalesnow.com

http://www.reviewjournal.com/business/housing/survey-nevada-leads-us-home-price-gains

Short Sale your home and stay!

There are new government programs allow you to short sale and stay. Home Owners can now short sale their home, get released of the debt through the HAFA program and stay in their home. The governement is allowing non profit organziation help home owners stay in their home and buy it back. We will work for you to make sure you get the best deal possible. Call the brokerage that has closed more short sales than any other company in Las Vegas, Platinum Real Estate Professionals, 702-496-7416.

Click here to learn more: https://www.youtube.com/watch?v=r-6DBqahLsE

Amanda Brown
Short Sale Expert
cell: 702-496-7416
brownnvrs@gmail.com
lasvegashortsalesnow.com

STARBUCKS!! WOW!!! GREAT DEAL!

Going on right now till May 12, Las Vegas Starbucks is offering Happy Hour from 3pm - 5pm on all their Frappuccino’s.  It’s an amazing deal.  I took the kids their on Friday after school and it would have normally cost me almost $13 for my order only cost me $6.  I told the kids we can come here everyday until the promotion is over!!!! Don’t miss out.

This valuable information is brought to you by Amanda Brown at Platinum Real Estate Professionals.

702-496-7416 for all your real estate needs!

Economic Update - May 6, 2013

To ensure continued receipt of this email, please add sean.uyehara@prospectmtg.com to your address book!

Sean Uyehara Senior Loan Officer Prospect Mortgage 2370 Corporate Circle, # 190 Henderson, NV 89074 Office: (702) 492-4664 Cell: (702) 336-4980 Fax: (877) 801-9423 sean.uyehara@prospectmtg.com NMLS# 338525  • Learn about home loans • Use loan calculators • Apply for a home loan Referral Request:  Please forward my contact information to anyone you know with a need for real estate financing! Like Prospect on Facebook Follow Prospect on Twitter Follow Prospect on LinkedIn In the News Pending home sales, a forward-looking indicator based on signed contracts, rose 1.5% in March after a revised 1% decrease in February. On a year-over-year basis, pending home sales were 7% higher than March 2012. The Standard & Poor's/Case-Shiller 20-city housing price index — on a non-seasonally adjusted basis — rose 0.3% in February after a 0.1% increase in January. On a year-over-year basis, when compared with February 2012, prices rose 9.3%, the largest annual gain since May 2006. The Mortgage Bankers Association said its seasonally adjusted composite index of mortgage applications for the week ending April 26 rose 1.8%. Purchase volume fell 1.4%. Refinancing applications increased 3%. Manufacturing activity fell to 50.7 in April after a reading of 51.3 in March. A reading above 50 signals expansion. This was the fifth consecutive month of expansion. Total construction spending fell 1.7% to $856.7 billion in March, following a 1.5% increase in February. Compared to March 2012, construction spending has risen 4.8%. The trade deficit decreased to $38.8 billion in March from $43.6 billion in February. Exports fell $1.7 billion to $184.3 billion. Imports decreased $6.5 billion to $223.1 billion. Factory orders fell $19.5 billion, or 4%, in March to a seasonally adjusted $467.3 billion. This follows a 1.9% increase in February. Excluding the volatile transportation sector, orders decreased 2% in March. Non-manufacturing activity fell to 53.1 in April from 54.4 in March. A reading above 50 signals expansion. It was the 40th straight month of expansion in the services sector. Initial claims for unemployment benefits for the week ending April 27 fell by 18,000 to 324,000. Continuing claims for the week ending April 20 rose by 12,000 to 3.02 million. The less volatile four-week average of claims for unemployment benefits was 342,250. The unemployment rate decreased from 7.6% in March to 7.5% in April, the lowest rate since December 2008. Employers added 165,000 jobs in April. Upcoming on the economic calendar are reports on consumer credit on May 7 and wholesale trade on May 9. Share:   Click here to visit my website and apply online: http://www.myprospectmortgage.com/SUyehara