Hey @Chris Farinella this is a great question. 

Quote from @Chris Seveney: @Jeremy H.Most properties listed for auction today don’t go to auction as borrowers are filing bankruptcyI have posted on here probably 100x that an investors best friend should be a note investor, as they are the bank and will work with investors.

Quote from @Chris Seveney: @Angel Perezhttps://www.wlwt.com/amp/article/two-cincinnati-men-sentenced-in-nationwide-foreclosure-rescue-scam/42125327In some states like maryland approaching a borrower in pre foreclosure is regulatedhttps://www.dllr.state.md.us/license/mrec/mrecshortsales.shtml From the article:The defendants preyed on homeowners who had defaulted on their mortgages and convinced the victims to pay to take part in fraudulent programs on the promise it would save their homes, documents said.This is not what I am talking about doing at all.

Quote from @Chris Martin: Jacob, if you re-read my post, the CU policy uses the word "assumption" (in their (old) four-item Policy Statement) because they don't recognize "Subject-To" transactions. 

You might ask the BIC (broker in charge) of the office if they have a better PM they can assign your property to or if this is not feasible end the PMA when appropriate and try out a different company.Good Luck,Chris London

@Chris Davidson Sounds good.

Quote from @Chris Seveney: @Nathan HedrickI recommend working for a real estate company.

Quote from @Chris Stonestreet: I don't think I have a lot of additional information to add.

Quote from @Chris Seveney: It’s not $25k but is $25k what he is betting or grossing. 

@Chris RomeroNot sure where you are but boy I hope you have deep pockets.