Don't list your REO Asset "SELL IT" Call Janine Pumyea 978-821-7336  Massachusetts REO Broker E-mail Janine@pumyea.com REO MARKETING When did entering an REO listing into MLS become "Marketing"? Pumyea Associates is setting new standards in REO Marketing. These strategies are proven to  reduce marketing time and increase sales while maintaining constant exposure for our client’s portfolio. Our sales team includes a full time Marketing Expert and Web Master assuring our listings top ranking on Search Engines with content linking to Real Estate Directories around the world. Janine Pumyea "REO Specialist / List Agent"                            Click here to E-mail  or call      978-821-7336    As a full-service REO listing team, we monitor the entire foreclosure process. From - initiating first contact - contracting repair and maintenance - listing the property -to handling the closing.      REO Specialist / List Agent The first point of contact for asset managers   Listing agent for REO assets Coordinator - cash for keys and eviction negotiations Experienced investor, list agent, and buyer’s rep. Contact me @ 978-821-7336

Abacus Team works in conjunction with www.realestate-page.com in an effort to bring maximum exposure to your REO listings.

View Larger Map  Centrally located to meet your needs.

REO / BPO Services  * Pre-Foreclosure Drive-By BPO's  * Interior BPO's and Valuations  * Complete Market Analyses  * Eviction Processing  * Comprehensive Documentation Services  * Verify Occupancy Status   * Secure Vacant Properties (re-keying, sign posting, title work, contact utilities, clean up bids)  * Property Clean-up (interior, exterior, ongoing)  * Regular Monthly Reports   * Marketing the Property   * Offer Receipt and Presentation  * Closing > Contact Janine Pumyea About REO / BPO Real Estate

Questions About REO Q: What does REO mean? A: REO is an acronym for "Real Estate Owned." Q: Why do people purchase REO properties? A: The properties are often listed "as is." That makes them great opportunities for those who want to buy and fix up the properties and use them as a principle residence or an investment property. Q: How is purchasing REO properties different from regular real estate purchases? A: REO properties are owned by corporations not individuals which leads to significant differences in all aspects of the purchase. Q: What should I know about buying at a "Trustee's Sale"? A: Do your research before buying and use extreme caution before investing. Properties purchased at a Trustee's Sale are sold "as-is" for cash. There are no refunds.

Questions About BPO Q: What does BPO mean? A: BPO is an acronym for "Broker Price Opinion." Q: Why are BPO's conducted? A: Camille's team performs a BPO of a residential property for use in collections and loss mitigation. Q: What is contained in a BPO report? A: The report combines information from a drive-by exterior examination, external data sources, previous sale data, property assessment data, recent comparable sales and current neighborhood listings, as well as a photograph of the subject property. Q: What are the advantages of a BPO? A: BPOs significantly lower loan costs and decrease turnaround time. They also provide reliable valuations to minimize credit risk. Also, an up-to-date property photograph helps assist in identification of visible deferred maintenance.

> Contact Janine Pumyea About REO / BPO Real Estate

Banks and Mortgage Companies We May Work With:

Aames Capital Corp Abacus Federal Savings bank Aetna Real Estate Investments Alaska Southern Alliance Bank Alliance Funding Co. Amalgamated Bank Amboy NB American General Finance American Holdings Ameriquest Mortgage Amresco, Inc. Amsouth Bank-Residential APCOM Asia Bank Associates Home Equities AStoria Federal S&L Assoc. Atlantic Mortgage & Investment Baltic Realty/MetroWest Bank Banc One trust Co. Banc One, Dallas Banco Popular de Puerto Rico Bank Atlantic Bank of America Bank of America, Agricultural Bank of America-Marketing List Bank of Hawaii Bank of New York Bank of the Commonwealth Bank of the Hudson Bank One BankAtlantic FSB-Comm Bankers Trust Co. Bankers Trust Co. of California BEAL BANK SSB Beneficial Mortgage Co. Boston Federal Savings Bank Boston Safe Deposit Bridge City SB Brooklyn Federal Savings Bank California Fed Bank-Comm California Federal Bank California Korea Bank Carolina First Bank Carver Federal Savings Cathay Bank Central Carolina B&T Central Funding Co. Century Bank CFS Bank-Columbia Federal Savings Chase Manhattan Bank CIGNA-Ct General Life Ins. Co. Citibank N.A. Citibank RE/Citicorp-Comrcl. Citibank Federal Bank CITIZENS NB City National Bank Coldwell Banker Colonial Savings/Ft. Worth Mtg Columbia Federal Savings Comerica Bank Commercial Credit Corp. Community Savings, N. Palm Beach Compass Bank Conning ASset Mgt. Co. Contimortgage Corp. Countrywide Funding Corp. Countrywide Home Loan Crestar Mortgage Corp. Crossland Mortgage Co. Crown Life Insurance Co. Dale Mortgage Bankers Debcon Financial Services Dime Savings Bank of New York Dovenmuehle Mortgage DOWNEY S&L ASSOCIATION EMC Mortgage Corp. Emigrant SAvings Bank Englewood Bank Epire Factors, Inc. Equitable Life Assurance European American Bank Fairfield Financial Family Savings Bank Farm Credit Bank of Texas Farmers & Merchants NB FDIC-Field Ops Branch-Dallas FDIC-Northeast Service Center FDIC-Western Service Center Federal Deposit Insurance Federal Home Loan Mortgage Federal National Mortgage FGH Realty Credit Corp. FHLMC FHLMC-Multi-Family Fidelity Federal Bank Fidelity Federal Savings Bank Fidelity Homestead Assoc. First American Bank First Bank National First Bank of FL (First Fed) First Central Bank First Commerce Bank First Commercial Mortgage First Fedrl Bank of California First Fidelity Thrift & Loan First Mortgage Companies First National Bank First Nationwide Mortgage First Pacific national Bank First Security Bank of Utah First Trust National First Union Mortgage First Union National First Union NB Firstrust Savings Bank Fleet Mortgage Corp. Fleet National Bank FNMA Ford Consumer Finance FREMONT INV & LOAN-Comm GE Capital Asset Mgt Corp. GE Capital Mortgage General Bank/GBC Realty Girard Savings Glendale Federal Bank Glendale FS&L-Resid. USA GMAC Mortgage Corp. Golden National Mortgage Greenport Savings Bank GSL Savings Bank Guardian Savings-Comml Harris Trust & Savings Bank Hemet Federal Savings HIGHLAND FED S&L ASSOC. Home Federal Savings Home Savings Bank of America Homeside Lending, Inc. Household Bank Household Finance (HFC)

HUD-Worcester HUD-Boston HUD-Lowell HUD-Fitchburg HUD-Athol HUD-Leominster HUD-Woburn HUD-Haverhill HUD-Springfield HUD-Gardner Hypo Holdings, Inc. IAG Federal Credit Union IMC Mortgage Bank Independence Savings Inland Empire National Bank Irwin Mortgage Corp. LaSalle Bank, FSB LaSalle National Bank LAUGHLIN NATIONAL BANK Leehman Capital Liberty Savings Bank Lochaven Federal S&L Assoc. Long Island Savings Bank M&T Mortgage Corp. Magna Mortgage Marathon Oil Company Marine Midland Bank Marine Midland Bank, Mortgage Marine Midland mortgage Marquette Savings Bank Maspeth Federal Savings Bank Mellon Mortgage Company Mercantile Bank Mercantile Mortgage Merchants Bank Midfirst Bank Mid-State Bank Midwest Savings Bank National Standard Mortgage Nationsbanc Mortgage NationsBank South National NationsBank, Southeast Reg. New York State Mortgage North American Mortgage North County Bank North Fork Bank North Valley Bank Northwest Community Bank Norwest Bank Norwest Bank of Minnesota Norwest Bank of New Mexico Norwest Mortgage, Inc. OCWEN Federal Bank Oswego County Savings Bank Palmetto Federal Svngs Bank Pawling Savings Bank People's Bank PFF Bank & Trust PG&E PNC Mortgage Corp. PNC Realty Holding Corp. PNC Realty Holding-Residntl Prism Properties, Inc. Providian Savings Bank Providian National Bank Queens County Savings Regions Bank Reliance Federal Svngs Bank Repo Properties/Swing Loans Republic Bank Republic National Bank Residential First, Inc. Resolution Trust Corp. Resource Bancshares Mortgage Retained Realty (Emigrant) Richmond County Savings Riggs NB of Washington, D.C. Riverside National Bank Roosevelt Savings Bank Rural Econ&Comm Dev-House/CO Santa Monica Bank Seafirst Bank Security National Services Security Pacific National Small Business Admin-DC Office South Side NB Southern Pacific Bank SouthTrust Bank SouthTrust Bank of SW Florida Spencer Savings Bank State of New York Mortgage State Street Bank & Trust Sumitomo Bank & Trust Summit Bank SunTrust Bank Central Florida TCF Bank Savings TERRA Commercial Three Rivers B & T Co. TMS Mortgage, Inc. Troy Savings Bank Trustmark NB U.S. Trust Co. Union Bank Union Federal Savings Bank Union Planters Bank Union Planters National United Companies Lending United Cooperative Bank USTrust V&D Realty USA Corp. VA-New Hampshire Wall Street Mortgage Washington Mutual SB/Resid REO Webster Bank Wells Fargo Bank, N.A.-Resid Wells Fargo-Comm Willshire Funding Corp. Woodsville Guarantee Savings World Saving & Loan World S & L-Multi Family World Savings & Loan Yasuda Bank and Trust > Contact Janine Pumyea About REO / BPO Real Estate

Pumyea Associates services the following communities:
Leominster Massachusetts Real Estate, North Central Massachusetts, Realestate, Fitchburg, Leominster, Gardner, Winchendon, Ashburnham, Lancaster, Hubbardston, Lunenburg, Erving, Phillipston, Townsend, Ashby, Princeton, Warwick, Athol, Gardner, Royalston, Wendell, Ayer, Groton, New Salem, Shirley, Westminster, Baldwinville, Harvard, Orange, Sterling, Winchendon, Barre, Petersham, Templeton,

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