Talking with struggling homeowners has become a normal part of daily business. It's still hard to keep up with what's going on with changes in legislature and with banks. Come meet and talk with our panelists who are immersed daily in this still growing segment of the market. 

• Are you curious about the short sale environment today? Which banks are cooperating and which ones are more challenging? What happens when a loan has been sold to a collections agency?
  
• Loan Modification information... we don't do them as REALTORS. But don't you think it would be wise to know a little about them?
  
• All of our homeowners want to know how their credit is going to be affected. Missing payments, after a short sale, after a foreclosure... Hannah will tell you. She will answer questions on consumer credit and debt and explain how homeowners can protect their credit profile through the short sale process. She will also cite examples of how homeowners can return to home ownership six months after a successful short sale. 
  
• We advise our clients to seek legal advice all the time. An attoney's perspective is always enlightening for your business. What is Len seeing come across his desk these days? 

Meet our panelists:

Greg Browman is originally from Canada and came to the US as a professional actor in a horse drawn theater company touring the western states. He has been a REALTOR for the past 17 years. In 2005 he moved over to the mortgage side of the business, gaining valuable insights into how to communicate with lenders through the processing and underwriting of loans. He started his first short sale in 2007. In 2009, he left the loan business and returned to Marchant Chapman Realtors to focus almost exclusively on short sale transactions. He recently joined Coldwell Banker of Greenbrae where he now negotiates about 15 short sales at a time for his own listings and other agents listings.  He currently lives in SunValley with his wife and two daughters.  Greg uses every life skill he has ever learned including humor to successfully negotiate these crazy transactions and mostly enjoys it. 

Len Rifkind, Esquire was born at Marin General Hospital and is a graduate of San Rafael HS. He then graduated from San Diego State University with a degree in geophysics in 1984. He then went on to graduate cum laude from the California Western School of Law and served as an extern to Justice Marcus Kaufman on the California Supreme Court in 1987. Len served as the Deputy City Attorney for the cities of El Cerrito and Hercules. He now has his private law practice, Rifkind Law Group focusing on real estate and land use law. Len is married to Elssy Rifkind and has two grown children Jessica and Alexander, both graduates of Redwood HS. 

Hannah Fliegel, Credit Restoration Expert  Hannah Fliegel is a Marin County native and a graduate of SF State. In late 2006 after seeing evidence that the foreclosure crisis would being in 2007 and continue into 2011 and beyond, Hannah founded Foreclosure Options Network in an effort to assist homeowners and real estate investors facing foreclosure with a variety of options, including legal strategies. In 2010, Hannah received the FICO Pro designation. She is also an active real estate investor who is in the trenches on a daily basis. 

Aviv Raphael, Loan Modifications Aviv Raphael began working with mortgages in 2005. In 2008, he started his current company ProModifiers. Since then he has engineered over 125 successful modifications through a client base solely dependent on referrals. 

Refreshments will be provided by