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Managing Your Real Estate  Portfolio
E. Andrew Keeney, Esq. Kaufman & Canoles, P.C. 150 West Main Street, Suite 2100 Norfolk, VA 23510 (757) 624-3153 [email_address] www.kaufmanandcanoles.com Shawn A. Goldfaden, Esq. Stewart Title Guaranty Company 609 Global Way, Suite 122 Linthicum Heights, MD 21090 (410) 789-8400 [email_address] www.stewart.com
Schedule ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Fundamentals
Let’s Make a Deal – What Are the Odds? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
1st Mortgage Balances Lead Loan Growth in 2008 Data for all US CUs as of Dec. 31, 2008 Source: Callahan’s Peer to Peer Software
Credit Union Mortgage Lending Rises Double-Digits in a Down Market Sources: Callahan’s Peer to Peer Software, Mortgage Bankers Association, Office of Thrift Supervision
First Mortgage Market Share Doubles in Two Years Sources: Callahan’s Peer to Peer Software, Mortgage Bankers Association
Real Estate Delinquency Rises as the Economy Impacts Members Data for all US CUs as of Dec. 31, 2008   Source: Callahan’s Peer to Peer Software
Credit Union Delinquency Remains Below that of FDIC-Insured Institutions Across the Board Data as of December 31, 2008 Source: Callahan’s Peer to Peer Software
Delinquency Ranges from 0.72% to 2.83% across U.S. CUs Source: Callahan’s Peer to Peer Software
Credit Union Charge-offs are Lower than FDIC-Insured Institutions Data as of December 31, 2008 Source: Callahan’s Peer to Peer Software,  FDIC
Credit Unions Modified over $1.2 Billion in Real Estate Loans in 2008   Data for all US CUs as of Dec. 31, 2008   Source: Callahan’s Peer to Peer Software
 
 
 
 
Mortgage Fraud ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
 
 
Due Diligence of the Entire Real Estate Portfolio Tax Liens
Due Diligence ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
 
Loan Extension Policies (according to NCUA) ,[object Object],[object Object],[object Object],[object Object],[object Object]
Real Estate Owned (REO) ,[object Object]
Oreo ,[object Object]
Recognizing Tax Lien Issues
The Impact of Tax Liens ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Forbearance or Workout Agreements
Forbearance or Workout Agreements ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Standstill Agreement ,[object Object]
 
Strategies Including Loan Modifications of Extensions
Loan Restructuring The Workout & Workout Agreement ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
 
The Workout & Workout Agreement ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
The Workout & Workout Agreement (cont.) ,[object Object],[object Object],[object Object],[object Object],[object Object]
Alternative Measures ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Alternative Measures (cont.) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
 
Deed in Lieu of Foreclosure
Deed in Lieu of Foreclosure – When Is It Appropriate? ,[object Object],[object Object],[object Object],[object Object]
How a Deed in Lieu of Foreclosure Works ,[object Object],[object Object],[object Object],[object Object],[object Object]
Advantages & Disadvantages of Deed in Lieu ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Deeds in Lieu of Foreclosure  (continued) ,[object Object],[object Object],[object Object],[object Object],[object Object]
 
Short Sales
Short Sales ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Short Sales (cont.) ,[object Object],[object Object]
Short Sales (cont.) ,[object Object]
 
Everything You Wanted to Know or Not Know About Foreclosures
Foreclosures in Maryland and the District of Columbia
Foreclosures & Other Claim Related Issues ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Foreclosures & Other Claim Related Issues (cont.) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Foreclosures & Other Claim Related Issues (cont.) ,[object Object],[object Object]
Foreclosures & Other Claim Related Issues (cont.) ,[object Object],[object Object],[object Object]
Foreclosures & Other Claim Related Issues (cont.) ,[object Object],[object Object],[object Object],[object Object]
How to Avoid Foreclosures ,[object Object],[object Object]
How to Avoid Foreclosures (cont.) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
2006 ALTA Title Insurance Policies
2006 ALTA Title Insurance Policies ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
2006 ALTA Title Insurance Policies (cont.) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
2006 ALTA Title Insurance Policies (cont.) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Alternative Programs & Potpourri
[object Object],[object Object],HEADQUARTERS 4160 Douglas Blvd Granite Bay, CA 95746 Toll Free: (800) 282-1031 Phone: (916) 791-5991 Fax: (916) 404-4598 Internet: www.apiexchange.com Email:  [email_address] EASTERN REGIONAL OPERATIONS 4062 Grumman Blvd., Bldg. 81A Calverton, NY 11933 Toll Free: (866) 394-1031 Phone: (631) 369-3617 Fax: (631) 614-7954
1031 Exchanges ,[object Object],[object Object],[object Object],[object Object],[object Object]
1031 Exchanges (cont.) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
1031 Exchanges (cont.) ,[object Object],[object Object],[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],1031 Exchanges (cont.)
1031 Exchanges (cont.) ,[object Object],[object Object],[object Object],[object Object]
1031 Exchanges (cont.) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Bankruptcy – Automatic Stay ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Cramdown ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Cramdown (cont.) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Cramdown Solutions ,[object Object],[object Object],[object Object],[object Object],[object Object]
 
E. Andrew Keeney, Esq. Kaufman & Canoles, P.C. 150 West Main Street, Suite 2100 Norfolk, VA 23510 (757) 624-3153 [email_address] www.kaufmanandcanoles.com Shawn A. Goldfaden, Esq. Stewart Title Guaranty Company 609 Global Way, Suite 122 Linthicum Heights, MD 21090 (410) 789-8400 [email_address] www.stewart.com

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Managing Your Real Estate Portfolio

  • 1. Managing Your Real Estate Portfolio
  • 2. E. Andrew Keeney, Esq. Kaufman & Canoles, P.C. 150 West Main Street, Suite 2100 Norfolk, VA 23510 (757) 624-3153 [email_address] www.kaufmanandcanoles.com Shawn A. Goldfaden, Esq. Stewart Title Guaranty Company 609 Global Way, Suite 122 Linthicum Heights, MD 21090 (410) 789-8400 [email_address] www.stewart.com
  • 3.
  • 5.
  • 6. 1st Mortgage Balances Lead Loan Growth in 2008 Data for all US CUs as of Dec. 31, 2008 Source: Callahan’s Peer to Peer Software
  • 7. Credit Union Mortgage Lending Rises Double-Digits in a Down Market Sources: Callahan’s Peer to Peer Software, Mortgage Bankers Association, Office of Thrift Supervision
  • 8. First Mortgage Market Share Doubles in Two Years Sources: Callahan’s Peer to Peer Software, Mortgage Bankers Association
  • 9. Real Estate Delinquency Rises as the Economy Impacts Members Data for all US CUs as of Dec. 31, 2008 Source: Callahan’s Peer to Peer Software
  • 10. Credit Union Delinquency Remains Below that of FDIC-Insured Institutions Across the Board Data as of December 31, 2008 Source: Callahan’s Peer to Peer Software
  • 11. Delinquency Ranges from 0.72% to 2.83% across U.S. CUs Source: Callahan’s Peer to Peer Software
  • 12. Credit Union Charge-offs are Lower than FDIC-Insured Institutions Data as of December 31, 2008 Source: Callahan’s Peer to Peer Software, FDIC
  • 13. Credit Unions Modified over $1.2 Billion in Real Estate Loans in 2008 Data for all US CUs as of Dec. 31, 2008 Source: Callahan’s Peer to Peer Software
  • 14.  
  • 15.  
  • 16.  
  • 17.  
  • 18.
  • 19.  
  • 20.  
  • 21. Due Diligence of the Entire Real Estate Portfolio Tax Liens
  • 22.
  • 23.  
  • 24.
  • 25.
  • 26.
  • 28.
  • 30.
  • 31.
  • 32.  
  • 33. Strategies Including Loan Modifications of Extensions
  • 34.
  • 35.  
  • 36.
  • 37.
  • 38.
  • 39.
  • 40.  
  • 41. Deed in Lieu of Foreclosure
  • 42.
  • 43.
  • 44.
  • 45.
  • 46.  
  • 48.
  • 49.
  • 50.
  • 51.  
  • 52. Everything You Wanted to Know or Not Know About Foreclosures
  • 53. Foreclosures in Maryland and the District of Columbia
  • 54.
  • 55.
  • 56.
  • 57.
  • 58.
  • 59.
  • 60.
  • 61. 2006 ALTA Title Insurance Policies
  • 62.
  • 63.
  • 64.
  • 66.
  • 67.
  • 68.
  • 69.
  • 70.
  • 71.
  • 72.
  • 73.
  • 74.
  • 75.
  • 76.
  • 77.  
  • 78. E. Andrew Keeney, Esq. Kaufman & Canoles, P.C. 150 West Main Street, Suite 2100 Norfolk, VA 23510 (757) 624-3153 [email_address] www.kaufmanandcanoles.com Shawn A. Goldfaden, Esq. Stewart Title Guaranty Company 609 Global Way, Suite 122 Linthicum Heights, MD 21090 (410) 789-8400 [email_address] www.stewart.com