Greentree Is Not Here To Help Homeowners

son of a gun
Kevin was nice to Greentree despite the fact that they are not here to help homeowners and they freely admit it.

Make More Money by Closing More Short Sales AND Closing Them Faster- No Joke!!

Class Date & Time: Friday, April 1st, 2011 from 9 AM – 5PM

Registration Cost = $149.00
Early Registration = $99.00


What Will Be Covered:

  • Uncensored Video footage of actual negotiations: getting investor information, battling BPO’s, getting contributions waived with an MI Company and MORE!!
  • The 4 Pieces of Critical Information: What is It, How to get it, and what to do with it.
  • Understanding the Servicer & Investor Relationship: A key to closing more Short Sales
  • 9 Escalation Strategies to get your deals closed: Top Down Escalation, Bottom Up Escalation, Inside Out Escalation and more
  • Real Life, Uncensored Escalation Emails: We’ll share our best escalation emails and the "arguments" that win every time!
  • Bank Specific Strategies for "The Big 3": Chase, Wells Fargo, and Bank of America
  • Bank Contacts & Organizational Structures: Oh yes, we’re actually going to do this (hence why this will be the LAST time we teach this class).  We’ll share the best of the best contacts at some of the largest lenders!!!
  • Mortgage Insurance: What’s the difference between PMI and Pool Insurance, how to overcome MI battles, AND find out what one MI executive has to say about Mortgage Insurance and Promissory notes.


In this class we aren’t going to talk about theory as they do in other classes. We are just going to tell you what we have done to close more than 800 short sales combined!

Meet Your Instructors:

Kevin Kauffman and Fred Weaver, owners of Group 46:10 – Arizona’s Premier Short Sale Team: Since February of 2008 Group 46:10 has closed hundreds of short sales (350+) with a 90% success rate.

Brian Gubernicek owner and CEO of Homehelper Consultants: In the last 12 months HHC has negotiated and closed over 200 short sale transactions at an impressive 90% success rate (listing to closing ratio). Homehelper Consultants has successfully closed over 500 short sales since 2007 and is nationally recognized as an authority in the industry.


Get instant access to our online masterclass to learn the simple steps.


Kevin and Fred the founders of Group 46:10. Over the last 10 years Kevin and Fred, and their team have closed tens of millions in real estate all over the country and have created some of the best training for agents in the market. Kevin and Fred are also highly sought after teachers whose work has helped agents all over the country build their own next level real estate business.


Get instant access to our online masterclass to learn the simple steps.

About the Authors


Kevin Kauffman & Fred Weaver

Kevin and Fred the founders of Group 46:10. Over the last 10 years Kevin and Fred, and their team have closed tens of millions in real estate all over the country and have created some of the best training for agents in the market. Kevin and Fred are also highly sought after teachers whose work has helped agents all over the country build their own next level real estate business.

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Reader Comments


  1. EK on February 7, 2011 at 8:24 am

    Guys – I actually think today was a great mindset monday! as agents, having the commitment to persevere through the intellectual, authoritative and perceptive limitations of an “inside the box” employee embodies the level of fiduciary responsibility we take on as our client’s advocate in today’s reality… thanks for bringing this into focus and for your continued contributions through sharing your knowledge & experience…

  2. Valerie on February 7, 2011 at 8:29 am

    You’re right, well said. Greentree continues to say they will not settle for less than 5% the purchase price of the home (nothing to do with the balance on the 2nd). If the purchase price is $900,000 they want $45,000. Great way to kill a deal. I’ve gone to the supervisor/v.p. who said the same thing, “We’re not here to help anyone but our investor and if you call again, we will hang up.” So, please tell us – how did you resolve your issue with Greentree???

  3. Matt R. on February 7, 2011 at 10:30 am

    Banks are “greedy and dirty” because they want the money back that they loaned to the owners? I am also a high volume short sale agent in Florida, and as much as I am annoyed by many of the banks, I don’t blame them for trying to get as much money back for their investors as possible. That’s their job! Even though I have compassion on many of my sellers and their hardship, they still borrowed the money and made a PROMISE to pay it back. We don’t need to demonize the banks for wanting their money returned to them, or their servicers for doing what they are paid to do. Somehow I think your position would be different if you had loaned your own hard earned $30,000 to the homeowner. $15k in that situation would probably not be enough!

    I agree with your position that we must fight hard for our owners, and we can never forget that we are in an adversarial position with the bank, and our fiduciary is with the seller not the lender. That mindset certainly shapes how you view the file and the negotiations. But it seems as if Fred has gone a little too far in vilifying financial institutions for trying to get their investment back.

    • Edward on February 7, 2011 at 1:50 pm

      This is 100% right. The short sale negotiatior wants to help the homeowner. Should the servicer take the same roll? If so, everyone bends over for the homeowner and the investor, who put out money in good faith, has nobody, and I do mean nobody in your scenario, looking after thier interests. If everyone took this position, lending would cease, because the purson who borrowed more than they owed could always get the servicer of the loan to take a 100% hit at any time.

      A better way to look at it is the servicer’s job is to look out for the investor and the short sale negotiators roll is to demonstrate why a short sale, without nay deficiency or contribution, will put the investor in the best position possible. The reason for this is that it is a fair offer, the bank will get less later in a foreclosure, and the borrower is busted. If you can do this, logic should prevail. If it doesn’t – escalate.

      Don’t get mad at someone who understands her role.

  4. Amelia Keene on February 7, 2011 at 11:07 am

    Great…. I just had Greentree -who I have an approval from.. just Charge off to their in house collection Greentree. I was waiting for the Ocwen 1st to approve -which they now have. But now my Greentree approval is gone and I have to deal with Greentree collections. Who, get this: couldn’t find the file for 2 WEEKS!! We are trying to close in 2 weeks with a little old lady who looks like Betty White! Now we have to give updated financials to them AGAIN!!

    • carefreejackie on February 7, 2011 at 10:48 pm

      If you haven’t discovered it already, check out “”. OMG ~ it will curl your hair. This is a website which illuminates real life horror stories from homeowners throughout the United States, like your “Betty White”, and oh so many others. I appreciate that lenders/servicers are “trying to recoup the most money”, but I swear, common sense is nowhere to be found. Just sayin’ . . .

  5. edwin on February 8, 2011 at 3:30 am

    Matt, you should read the following report,

    you may have a different view afterwards.

    • Matt R. on February 9, 2011 at 8:47 am

      Nope, same opinion Edwin. I don’t fault businesses (ANY business) for trying to make a profit. Most of these companies are publicly traded, which means they have a fiduciary responsibility to their shareholders, NOT to the homeowner who can not pay their bills.

      As a realtor, you should understand what fiduciary means, and you probably face this dilemma on a regular basis. No matter how sympathetic you may be to that sweet little old lady who is selling her house, and even if you want her to get more money for her house to help pay for her nursing home bills, if you work for the BUYER, your job is to do everything you can to get the BUYER the best deal. And yes, even though it’s not talked about at NAR conventions, if you do your job as an effective negotiator and fiduciary for that BUYER, you will probably take thousands of dollars out of the sweet old lady’s pocket.

      Welcome to loan servicing! Even though it may look and feel disgusting to you, if you take a closer look, it’s no different than what you do as a fiduciary for your clients. The servicer has an obligation to do EVERYTHING in its power under the law to make a profit for its shareholders. And sometimes that means kicking granny out on the curb if she can’t afford her payments. I may feel for granny, love granny, and do everything in my power to help granny find a new place to live, but I don’t hate or blame Greentree or any other servicer for doing their job and looking out for their fiduciary.

  6. JB on February 8, 2011 at 11:23 am

    Hey guys we just registered for Vegas, do you know yet where the event will be??

    • Fred Weaver on February 10, 2011 at 12:08 pm

      @JB We’ll have the location officially announced in the next 2 weeks (hopefully sooner)!!

  7. Shorty Sales on February 11, 2011 at 7:59 am

    Good Morning – I think we all agree it’s not the homeowner’s fault the market collapsed and sellers can’t sell their home for what they owe. If they could, they would and they wouldn’t have cashed in savings, pensions, IRA’s, charged against credit cards to make payments on a toxic asset that will never regain its value in a lifetime, thereby throwing good money after bad.

    Not only did many homeowners buy a home in the “bubble” but they cashed in other assets to do so. Not every buyer in the market at the time was “got a phone?…get a loan”. Many homeowners invested hard earned money to the tune of tens of thousands of dollars. Money they will never earn again in their lifetime in this economy. That hard earned money went to the banks and the people who own the banks.

    The difference between a bank mitigator and an agent who has applied themselves to knowledge and education to survive this Real Estate market is this:

    We work for the banks for free until the day of close. We don’t go home on Fridays with a paycheck, paid vacations, health insurance, secured employment or peace of mind. There are so many new bank employees now, from various backgrounds, in the first level of communication that you have to understand where they are came from if you want your file to progress. They are fortunate to have a job in this economy and at the expense of distressed homeowners, so to speak, and they don’t always realize how lucky they are – but they are the doorway to the decision makers who ultimately pay you and give you the ability to put food on the table for your loved ones. How you interract with these employees is noted and/or recorded.

    So we employ our intelligence and diligence to stay on top of the game in order to provide for our families and make a life in a world that is ever-changing…endeavoring to do so with grace, kindness, wisdom and heart. Now more than ever do the words “Pass it forward” have the most meaning. We are helping people and have to work with powerful corporations to do so. Its a brave new world, a “tough nut world” as one trainer once said.

    * In today’s short sale market – gone are the days of sellers getting off scott free. Yes, prepare them in advance to bring money to the table or to pay back some of the money they contracted to pay. It is as it is.

    * Three years ago, banks were paying for new roofs…its a different time now…the banks are mostly in liquidation loan mode…not origination loan mode so bring clean contracts to them without ancillary items like a home warranty if you want to cut to the chase and get to “Go” sooner rather than later. Seriously… do your contracts still contain items like home warranties and termite letters?

    One last note – To understand how the “bubble” and consequent financial mess came about, read “The Creature from Jekyll Island” by G Edward Griffin for an in-depth understanding of the how and who and why of money and the global strategies of money/market manipulation.

    To SSPH – good job. Keep the faith…peace out 🙂

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