Full Fledged Local, National and International Multiple Listings System

Many Public Online Attractors In Place

Online Auction
Online Classifieds
Foreclosures For Sale
One Stop Real Estate Professional Shopping

Quality Advertising Campaigns In Favor Of Existing Members

Corporate contacts and marketplace influences
eMail campaigns
Internet advertising

Comprehensive Database Of Real Estate Professionals

With no nonsense access

Effective email Campaigns Directed At The Buying/Selling Public

Emails are sent and controlled in the name of CountryMLS.net, Incorporated.
Campaigns consist of several hundred thousand select individuals in targeted audiences.

Prestigious CREOS®™ Designation For Those Interested In BPOs and Listing/Selling Foreclosures Along With Short Selling.

CREOS®™ Designated Real Estate Professionals Receive Access To Over 200 Powerful People In The REO Business, Plus Several Thousand Lenders

Complete with full contact information of those able to grant foreclosed property listings, short sales and BPOs. This group is the backbone of the foreclosure industry. These power people can and do give out listings and BPOs. The contacts are proven in the marketplace.

Free Full Database Use for Real Estate Professionals Whom Are Not Interested In The Foreclosure Part Of The Industry.

Create your complete business profile and enter 1 or 100 listings for absolutely no charge. The only requirement is, with respect to advertising listings, they do have to be your listings. – Honor system.

Member Client Privacy Respected Without Question

Easy Contact System

The Real Estate Professional can be directly contacted by clients and potential clients with ease. There will never be a charge, flat rate or any other type of fee, to the general public wanting to contact a member, or see a member’s listings and business profile, or even those needing to refer property vaulation BPOs or listings.

Purpose of an Online Auction and Free Classified Ad system

The foundational purpose is to generate traffic to ensure exposure to the Real Estate Professional’s business and listings. In all frankness, it is taking advantage of a tremendous amount of the buying/selling traffic and directing it to the members for their benefit. This incalculable traffic from the electronic age produced by our evolved infinite reaching society, CountryMLS.net, Incorporated feels the members deserve the right to access an audience that they do not have the time and/or generally the resources to capture on their own. The system is also a very powerful portal for the Real Estate Professional to earn excellent "side" money, if desired. Business has evolved to engaging in the simplicity of no nonsense to meet defined needs.

CountryMLS.net, Incorporated delivers business on a "silver" plater as it should be.

    Of course don’t think for a minute that is all CountryMLS.net, Incorporated has on the drawing board in this fast paced new millennium.

    Corporate and commercial clients can contact CountryMLS.net, Incorporated for a multitude of reasons. Some REO departments‚ generally those that are overworked and understaffed‚ need to outsource some or all of their real estate owned portfolio to a firm they can rely on. Other lenders want to redirect their resources and focus their energies on their primary business. ** Many clients want referrals on selling their Notes and others are willing to pay handsomely for them. Some of the Notes are delinquent, some are on over financed properties and some are very good responders. Notes come in many different forms, but all are very workable money makers. The notes can be a great opportunity for members to take advantage of immediate equity positions, or maybe do as a sideline. Many note holders have had past experiences and want a professional approach to Short Selling. ** Some clients want to reduce the costs associated with a permanent, internal staff and overseas staffing whom are not knowledgeable concerning the U.S. and Canadian real estate markets. ** Other clients are in search of the specialized experience and expertise CountryMLS.net, Incorporated and members alike can provide. No matter what the reason all commercial clients benefit from vast abilities available to save them time and money, while staying fully informed as to the status of their needs using CountryMLS.net, Incorporated certified members.

A Note On Member/Vendor Scoring.

CountryMLS.net, Incorporated feels all vendor/members are Real Estate Professionals and will not be imposed upon by background checks, or any type of unnecessary categorization. All vendors are voluntarily subject to completion of a simple informative online system, called the “CREOS®™ REO Certification Course”, to be completed at their option, if they desire to receive foreclosed property listings from clients and the contact names. Vendors/Members are encouraged to complete the certification course, as most all clients want to know the vendor has a current working knowledge of the foreclosure business and want to see CREOS®™ after their name. The CREOS®™ REO Certification Course is for the member/vendor’s benefit. The intent is to bring member/vendor up to date with the “in’s” and “out’s” of the current foreclosure marketing. Our vendor/members are not graded then asked for more money, or put on a “get to you later list” based upon scores. All our members are treated equally. If a member does not complete the optional informative CREOS®™ REO Certification Course the member is not downgraded, or overlooked. The certification is for the member’s benefit. Further, CountryMLS.net, Incorporated does not distribute “Vendor Score Cards” to any of the active clients, or anyone else for that matter.

About The Business - Assigned Properties, Valuations
And General Responsibilities

    Initial Occupancy Contact. The member will be required to determine occupancy of any assigned properties and report the property disposition directly to the client. If the property is determined to be unoccupied the client will most likely want the Real Estate Professional to re-key and secure the property to ensure no vandalism or trespassing will occur. The property status will generally be reported to the client and his eviction attorney.

    If the property is found to be occupied the client will generally give the Real Estate Professional a “Cash-For-Keys” figure along with the appropriate written agreement to offer the occupants. If the property is occupied by a trespassing individual, the client will most likely ask the Real Estate Professional to call the police and ask them to assist in getting the property vacated.

    BPOs and CMAs on Foreclosed REO Properties. The Real Estate Professional will be required to complete a current opinion of market value form provided by most clients.

    Repairs and Bids. Most likely the property will be in need of some repairs and trash outs. Many times the repairs are extensive. In most cases the Real Estate Professional will be required to get repair bids for submission to the client. Once the client authorizes any repairs the Real Estate Professional will be required to monitor the repair process from start to finish, including detailed before and after pictures.

    Billing And Expenses. The Real Estate Professional will be responsible for presenting the prepaid and due bills to the clients. Clients normally give the Real Estate Professional a “cushion spend without authorization” amount of up to $500.00. After that point the Real Estate Professional will be required to get permission from the client to spend more. In the case of bills that run well over the $500.00 figure, such as several thousand dollars, the Real Estate Professional will generally send the bill directly to the client and the client will pay the contractor/service provider direct. For reimbursements the Real Estate Professional will simply submit his documented expenditures directly to the client.

    Marketing. The Network of Real Estate Professionals affiliated with CountryMLS.net, Incorporated are very knowledgeable with respect to Real Estate Marketing. They are prepared to obtain the highest and best in the least amount of time, in an effort to re-coop losses and create gains for clients. The Real Estate Professionals at CountryMLS.net, Incorporated set the industry standard of REO marketing.

    Pre and After Foreclosure Services. CountryMLS.net, Incorporated members provide clients with asset monitoring services if the properties are vacant, lawfully/unlawfully occupied, or in the redemption stage. Standard services include determining vacancy status, completing drive-by and/or interior BPO’s/CMAs, and property securing. If the property is occupied, either by “Cash-For-Keys” expectants, hostile occupants, or redemption occupants, the Real Estate Professional will be required to keep in close contact with any such occupants and report any status changes to clients. If the occupant is hostile then every effort to evict will be made by the client. On occupied properties, most likely the client will order a Drive-by Broker’s Price Opinion (BPO) to be prepared.

    Residential Appraisal. The 1004 REO Uniform Residential Appraisal Report, also known as the URAR, (Freddie Mac Form 70, Fannie Mae Form 1004) is designed to be used on a one-unit (single-family) property or a one-unit property with an accessory unit; including a unit in a planned unit development (PUD), based on an interior and exterior inspection of the subject property. The report form is not to be used to appraise a manufactured home, a unit in a condominium, or a unit located in a cooperative project. The REO addendum is also included which provides an itemized cost of repairs as well as an "as-is" and "as-repaired" value. Subject photos and comparable photos are to be included in the appraisal. This form is used only by fee appraisers.

    Valuation Solutions. CountryMLS.net, Incorporated is a nationwide/worldwide real estate disposition company that offers corporate and private financial institutions intelligent and professional solutions on troubled assets and distressed properties.  The global infrastructure allows maintenance with a collaborative effort around the clock to service client’s needs. All out efforts are expended to create a personal approach for the vendor Real Estate Professional services and analytical methods to solve business obstacles for clients.

    Short Sale Management. With the rise of today’s financial situation CountryMLS.net, Incorporated remains in front of many financial institutions nationwide and worldwide. For many years the owners of CountryMLS.net, Incorporated have offered lending clients and private parties valuation services, default real estate owned management through final sale, inspections, and short sale solutions.  For several years CountryMLS.net, Incorporated has offered short sales services and loan novation (now called loan modification) to many in need with qualified members and state of the art technology, CountryMLS.net, Incorporated can transform a borrower’s desire to prevent foreclosure into equitable and reasonable solutions for the lender, borrower, and Real Estate Professional.

    New Helpful Laws: November 30, 2009, the US Treasury Department released forms andguidelines for the Home Affordable Foreclosure Alternatives Program, known as “HAFA”, being part of the Home Affordable Modification Program, known as “HAMP”. HAFA is a government commercial intervention tool which was designed to simplify and encourage the short sale and deeds-in-lieu of foreclosure process. Using and understanding the tool, the Real Estate Professional can “politely present options to lenders” in a hopeful effort to induce the lender to act favorably for the property owner and Real Estate Professional. The successful application of these tools will generate for the Real Estate Professional satisfactorily earnings. Loan servicers participating in HAMP are also required to comply with HAFA.

    The red flag the Real Estate Professional should clearly see is: HAFA does not apply to loans not owned or guaranteed by Fannie Mae or Freddie Mac. However, that does not mean the other types of loans are not negotiable. After all, any loan is a negotiable instrument being tradable for money and/or other securities. It should also be noted, HAFA and HAMP are not mandatory and if not used no lender is penalized in any manner. HAFA and HAMP are at the lenders option and disposal, in other words, if the lender decides not to modify or short a loan there is no penalty imposed. All these programs do for the Real Estate Professional is open an already open door for negotiation and an opportunity to increase earnings. The curious should bear in mind these “programs” have been used since Adam sold the farm, just never called HAFA and HAMP.

    Generally the details of HAFA and HAMP are overlooked by the unwary; the several points below show many earning opportunities for the Real Estate Professional in this lucrative sector of the industry.

1. HAFA complements HAMP by providing workable loan modifications and other alternatives for borrowers (homeowners).

2. Loan servicers participating in HAMP are required to implement HAFA in accordance with their own written policy. Their policies can include: the severity of the potential loss to the bank (which is better, modify the loan, short sale the subject property, or foreclose?),

3. Through HAFA, the lender is given license to determine their highest and best profitability available to them within the distressed homeowner’s local sales market, length of time to process foreclosures within the given area and the volume of pending foreclosures, and evaluate (judge) a borrower’s motivation, cooperation and payment ability based on a new loan structure. The lender uses this data to determine their most profitable approach concerning the disposition of a distressed loan. They do not use it to aid the homeowner first and foremost, but the lenders best interest is the bottom line, always. HAMP and HAFA give the lender’s legal protective license to “lawfully” back their decision on short sales, loan modifications and foreclosures. The major intent of HAMP and HAFA was to stymie numerous outstanding predatory lending suits, which were sure to uncontrollably increase with the demise of the up swinging economy and to have guidelines of approval for receiving free tax dollars. The sole intent of HAMP and HAFA is to benefit the banking industry, but the wise Real Estate Professional can use the opportunity to gain. HAMP and HAFA will most likely go away just as quickly as they appeared.

    Even though the programs are very favorable to and really designed to be a protective covering for the banking industry, the good thing about HAMP and HAFA programs is: they can make the Real Estate Professional substantial earnings, if used correctly. The following is some information and applications of the programs.

1. The use of pre-existing borrower financial and hardship information to consider loan modifications.

2. Flatly prohibits the loan servicer or lender from dictating reductions in the Real Estate Professional’s commission agreed upon in the listing agreement between the Real Estate Professional and the homeowner (up to 6 percent, but it doesn’t mean they can’t ask for a commission reduction and get your approval). -- However, notice they still have a right to determine the price of your services. Free enterprise – sort of. The short sale and loan modification processes are generally much more time consuming and commissions rightfully should be higher. -- At least the dictate is up front.

3. Working in conjunction HAMP and HAFA some financial incentives can be provided: $1,500 for borrower relocation assistance; $1,000 for servicers to cover administrative and processing costs; and up to $1,000 for investors for allowing a total of up to $3,000 in short sale proceeds to be distributed to subordinate lien holders calculated on a one dollar for three written off matching basis. Also take note: most times is behooves the homeowner to simply quit making payments and allow as much as two years before foreclosure to take place and then demand and get several thousand dollars in a Cash-For-Keys agreement to vacate. This simply means that the $1,500 borrower relocation assistance provision is not always expedient to the homeowner.

4. Very good parts of the programs are: borrowers are to be fully released from any and all future liabilities for the first mortgage debt (no cash contribution, promissory note, or deficiency judgment is allowed). - However junior mortgages are still a bad situation. Most sales in the last four years included a first and a second from the same lender, which opened the door for deficiency judgments on the second. Deficiency judgments on the second can offset losses on the first, potentially a tidy sum if the first and the second are the same lender. HELOCs (Home Equity Line of Credit) are notoriously destructive.

5. Borrowers can receive pre-approved short sales terms from the lender before listing the property. The pre-agreed terms can include the minimum dollar amount net proceeds from a sale that is acceptable to the lender. This is a time saver. - However, the Real Estate Professional should always spell out the bottom line acceptable to the lender in the listing? - The drawback is: the lender knows through appraisals, BPOs and CMAs how much the property should bring and will keep in mind how much he will have vested if he forecloses and use such information in dictating the bottom line acceptable in a short sale or loan modification. This is one of the reasons why loan modifications are very few in number. Without out being negative, but still truthful, HAMP and HAFA are designed to favor the banking industry, not the average homeowner. If the Real Estate Professional is kept informed of certain truths, that Professional can and will excel financially in any “market”, good or bad.