SUMMARY OF QUALIFICATIONS

We are a Full Service Real Estate Team with extensive knowledge, organization,
background and experience with distressed marketing and sales. As a full service REO
Team, our goal is to provide you and company with the best possible representative and
service you deserve from REO Brokers. Our Team understands the importance of
providing relevant, timely, and strategic information to our Clients and Vendors and we
strive to offer the highest level of professional service. Our Team will provide the
comfort and commitment level you will learn to expect. We are accustom to meeting
your requirements. We tailor our approach to each Clients preferred method of
operations. We understand what it takes to get the job done! Customer service and
uncompromising commitment to satisfaction are the hallmarks of our success. To
maximize your Real Estate potential, we have built a strong REO team of associates to
assist you throughout the entire process from occupancy to the close of escrow. We are
confident that our team will exceed you expectations!

REO SERVICES

 BPO ( REO and 3rd Party Providers) - Drive-bys and Interiors performed quickly
and effectively by our dedicated Team. 48 hour guarantee for Listings.
 Occupancy - Same day occupancy checks, weekly reporting
 CFK ( Cash-for-Keys) - Aggressive negotiation with occupants
 Eviction - Cooperation and coordination with Sheriff’s Departments of all
Counties serviced
 Loss Mitigation - Mortgagor negotiation & Deed-In-Lieu Assistance
 Re-Key - Coordination of contractor using Client-specific key codes / LB combos
 Secure - Assuring that all properties are secured
 MMR’s - Timely marketing reports for up-to-date information on new
comparables, activity reports and showing feedback
 Negotiation - Offers negotiated using client-directed method of communication
 Closing Coordination - Pending transactions thoroughly managed for timely
closings
 Trash out - Management and Inspection
 Landscaping - Oversight of all lawn maintenance & landscaping per guidelines
 Seasonal - Services include winterization, trash outs, debris removal
 Repairs and Rehabs - Extensive contractor database with 5-day turnaround for
bids. Management during repair process; Inspection upon completion
 Customer Base - Large pools of Buyer’s, Investors & Agents
 Client - Your “Eyes and Ears” in the field

SERVICING AREAS (ZIP CODES):

32105, 34464, 34465, 32110, 32706, 32114, 32115, 32116, 32117, 32118, 32119, 32120, 32121, 32122, 32123, 32124, 32125, 32198, 32720, 32721, 32722, 32723, 32724, 32725, 32728, 32738, 32739, 32132, 32141, 32136, 32117, 32744, 32759, 32173, 32174, 32175, 32176, 32764, 32168, 32169, 32170, 32135, 32137, 32142, 32164, 32180, 32123, 32127, 32128, 32129

SERVICING AREAS (CITIES):

Barberville, Beverly Beach, Bunnell, Cassadaga, Daytona Beach, Daytona Beach Shores, Deland, Deltona, Edgewater, Flagler Beach, Holly Hill, Lake Helen, Oak Hill, Ormond Beach, Ormond by the Sea, Osteen, New Smyrna, New Smyrna Beach, Painters Hill, Pierson, Palm Coast, Port Orange, Ponce Inlet, South Daytona, Wilbur by the Sea

Our Team also specializes in Oceanfront Condos | Riverfront Homes | Million Dollar Estates | Luxury Real Estate Golf Course Community Homes | Gated Community Homes New Construction | Foreclosures | Short Sales | REO`s | Townhomes | Investment Property | Multi-Family | Apartment Complexes | Hotels - Motels | Vacant Land | Commercial Real Estate...

ATTENTION ALL SELLERS! YOU NEED A SHORT SALE EXPERT!

If you find yourself in a position where you owe more than your home is worth and you need to sell, a Short Sale may be your best option. But don`t get taken for a long, stressful ride by a self proclaimed `expert`...

Did you know that nearly 90% of homeowners nationwide who try to `Short Sale` their property will end up losing their property due to an un-educated or lazy agent? The majority of the Realtors that are `trying to help` have not been properly trained. In the end, they simply don`t know how to help you and you will become one of those `90%` that were not helped.

Simply put, a `Short Sale` is a Real Estate transaction where the homeowner owes thier lender more that what their property is worth. In a Short Sale, the lender must approve and accept less that what they are owed as full pay-off (this means they may settle for $400,000, even if you currently owe them $500,000... even if the loss is hundreds of thousands of dollars.)

Are you facing a financial hardship such as (reduction of income, loss of job, illness, divorce, etc.) ?
Are you getting behind on your mortgage and you`re not sure if you can catch up?
Or do you just need to sell quickly but your property is worth less now than when you purchased it?

If you or someone you know is facing any of the above situations above, and you think a Short Sale might be your best option, please click the Short Sale icon to the left of the page for additional information.

Don`t just let any Real Estate Agent help you! You need an Agent with extensive knowledge, experience, background and commitment with Short Sale Transactions. You need `Team of Xperts`! We are full-time Real Estate Agents specializing in Short Sales. We know how to get the job done the right way! We know who to talk to, when to talk to them, and how to handle everything in between. Best of all, our commission will be paid by the bank, so you won`t have any out of pocket expense... or in other words, you pay me nothing!

Our Team has built Business Relationships with various Lenders such as:

EMC Mortgage Corp. | Litton Loan Servicing | Washington Mutual | American Home Mortgage Servicing Inc. (AHMSI) | SunTrust Mortgage | Saxon Mortgage Services | Residential Credit Solutions (RCS) | Countrywide Home Loans | GMAC Mortgage | Aurora Loan Servicing | Wachovia | America`s Servicing Company (ASC) | Fifth Third Bank | Regions Bank | Quantum Servicing | IndyMac Bank | Bank of America | OneWest Bank | Loan Resolution Corp. | ServiceLink Loss Mitigation Services | Vericrest Financial | Wells Fargo Financial | Flagstar Bank | Faslo Solutions | CitiMortgage | JP Morgan Chase | HomEq Servicing | Wells Fargo Home Mortgage

Visit www.TheShortWayOut.com to view Short Sale Approval Letters that our Team has obtained and negotiated with various Lenders and Banking Institutions.

Feel free to contact us by phone and/or email with any questions or concerns that you may have. With our commitment and experience, we are confident that we will exceed your expectations! We look forward to hearing from you soon!

Respectfully,

Chris Padgett, Realtor®
REO & Short Sale Group - Team Leader
Luxury Homes, Estates, Waterfront Specialist
Coldwell Banker Expert Realty Group
Direct: (386) 882-8896
Fax: (386) 257-9657
Email: Chris@TeamofXperts.com
Alt. Email: ChrisPadgett2@aol.com

552 N. Oleander Ave.
Daytona Beach, FL 32118
Web Site: www.TeamofXperts.com
REO Web Site: www.PremiumREOGroup.com

Please visit www.VolusiaCountyREOs.com to search Fannie Mae Properties | Bank Owned Homes | REO`s | Foreclosures throughout greater Daytona Beach area!

Click http://www.TeamofXperts.com/1214845.html to search Oceanfront Condos on the World`s Most Famous Beach!

`By the Way, we are NEVER to busy for your Referrals`

Looking to SELL your Home? Call us today for a FREE consultation... We are confident that we will exceed your expectations in getting your Home SOLD!