Full disclosure I am not an expert on buybacks, reps and warrants, or mortgage fraud as a whole. 

Full disclosure though, I was in Houston for 4-5 years to build up a good portfolio of properties and a company before fleeing back to San Diego. 

I was actually supposed to close this coming Friday (5/31/19) on the home, until I received the closing disclosure yesterday from the bank with an estimated monthly payment that was WAY higher than what we anticipated ($1100 vs $800-850). 

I actually signed an initial set of disclosure docs to agree to this rate for a duplex that I'm closing on.The lender reached out to me with new documents today stating that there is a change in loan terms.

Even if they didn't come in as formal written offers, if a large number of people were asking for disclosure packets or discussing price, play this up. 

Afternoon Everyone I’m looking at properties in pre-foreclosure estimated value is 465,000 original loan was for 326,463 the beauty is there’s 138,537 in equity the owner has been served an nod non payment of $17463....can someone walk me through how to make this work full disclosure I have not reach out to the owner yet just the details I was able to pullOr is it better to find something with a lower original loan and default can you purchase the default the default amount or does it because a discount off the original loan that the owner still has to pay?

(In terms of disclosure, I don't want to be solicited for aluminum siding...I don't live in a house with aluminum siding nor is it permitted in my neighborhood but some poor sap keeps wasting his marketing dollars mailing to me and my neighbors about his great deals on aluminum siding).So-o-o, your answers will not only help you find the right marketing method but also help you target your message and to the right people. 

Since these disclosures are private, and not part of the public record, it does not violate the anonymity you’re seeking.Please feel free to connect with me if you’d like to know more.

You're going to reverse wholesale with full disclosure to the sellers you're talking to. 

Full disclosure, I've worked with several offices here in town, not doing it currently, and trained quite a few of their reps.