Short Sale Homes Expert. Stop and Avoid Foreclosures

SHORT SALE HOMES Short Sales in Chicago and Suburbs, Stop Foreclosure!

chicagoshortsalehomesandforeclosuresexpert — Fri, 09 Oct 2009 17:55:35 +0000

http://www.ChicagoShortSale-IllinoisForeclosure.com

I am a real estate agent who specializes in Avoid Foreclosure, Chicago Homes for Sale, Short Sale, Short Sales in Chicago, Chicago Suburbs, Chicago Real Estate Property, Residential Real Estate, Purchasing Real Estate, Refinancing, Foreclosures, Chicago Foreclosure and more.

Professional real estate services to buyers and sellers.

www.ChicagoandHomes.com

DON’T LOSE YOUR HOME TO FORECLOSURE,

I CAN HELP YOU!

As a Licensed Real Estate Broker with 19 years of experience

Certified Distressed Property Expert

Certified Loan Originator

I can give you the expertise necessary to save your credit, relieve the uncertainty and most of all, help your family. Don’t Wait Until It’s Too Late! Contact me, Regina Zak Tomas, and let’s get started towards the path of recovery.

Short Sales Chicago Real Estate Agent, Broker speaking English or Polish

If you’re considering buying or selling a home, selecting a real estate agent is the first important decision you will have to make. While there are many qualified real estate agents out there, it’s important to decide on a professional who will understand your needs and individual preferences, someone who you can respect and trust. Nearly four out of five home buyers and sellers enlist in the help of a real estate professional or broker.Whether you’re looking to buy a new home or sell the one you’re in, choosing a professional who best fits your needs is vital.

Don’t settle for the ordinary untrained agent. You need a Specialist! 773-520-1522 In Polish or English

Foreclosure. Credit Score: Score may be lowered from 250 to over 300 points. Typically will affect score for over 3 years. Credit History: Foreclosure will remain as a public record on a person’s credit history for 10 years or more.

If you want to avoid foreclosure and keep your home, your first step is to call your lender. If you are having difficulty paying your mortgage on time, it’s important to act now before things get so bad that you are facing foreclosure.A short sale is a way to avoid foreclosure! It’s very common in today’s depressed real estate market for home sellers to receive offers that are less than the amount owed to the lender. A short sale is when a bank is willing to sell for less than what is owed. For more contact me; Chicago and Suburbs Short Sale, Illinois Short Sales

Don’t settle for the ordinary untrained agent. You need a Specialist! 773-520-1522 English or Polish

Do not hesitate and call me for free service and more information, or if you have any questions about listing and selling your short sale property for free!

I don’t charge any fees for short sale listing and service!
In successful short sale your bank pays for the Realtor commission,
attorney fees, title company fee, and any other closing costs.

Simply list and sell your short sale property for free!

But I’m not only a short sale specialist. I also work as a listing real estate agent and Realtor who works with many types of transactions. So don’t hesitate to call me for any questions you have. Some of my current listings you can see on my websites; http://ChicagoShortSale-IllinoisForeclosure.com, http://www.ChicagoandHomes.com, http://www.Regina.IllinoisProperty.com

VIEW MY LISTINGS Here
are some great properties that I would like to bring to your attention.
Please see these select homes offered by me for sale.

As your CDPE agent I will explore every option with you and work towards a resolution.

In Real Estate, a Short Sale – What is it?

The Short Sale Process?

The Seller’s Benefits, The Buyer’s Benefits?

contact me; Chicago Short Sales, Illinois Short Sale

Work with a Real Estate Agent, Broker

A short sale has the potential to become very complicated. Lenders prefer to deal with a realtor instead of with the buyer. As a real estate agent, I am very persistent and patient with the short sale, using my abundant amount of experience to make the process as smooth as possible. There is no cost for professional representation! The lender covers the costs of the real estate commission. Make sure a qualified real estate professional is representing you! www.ChicagoandHomes.com

WHY IS IT WORTH IT TO WORK WITH ME?

I have 20 years of experience working full time as a real estate broker.

I am officially licensed as a Licensed Real Estate Broker, Certified Loan Originator, Certified Distressed Property Expert

I work with the best law firms in area, where you can speak either Polish or English.

I finished Law School at the University of Warsaw, which enhanced my negotiation skills with the law firms, and real estate agents, and results in successful transactions.

I run an aggressive marketing technique so you can find my website on many other websites, including: Top Agent America’s Most Popular Realtors Online www.TopAgents.biz, Lender Lister Top Sites www.LenderLister.com/topsites/, etc. I know that the online marketing is key to real estate success. I advertise listings in various websites like Craigslist, Oodle, HotPads, Zillow, Backpage, Vast, etc.

I am bilingual – I speak both English and Polish.

I am available any time, almost 24/7.

I DO NOT USE OTHER AGENTS, TEAMS, OR
ASSISTANTS.
Each of my clients is treated personally and with professional care,
which combined with my 19 years of experience and collected
certificates, causes former clients to eagerly return to me for
business and to recommend me to their friends.

Short Sale, Short Sales in Chicago and Suburbs, Stop Foreclosure!

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Cook County Foreclosure DuPage County Foreclosure Lake County Foreclosure McHenry County Foreclosure Kane County Foreclosure Cook County Short Sale DuPage County Short Sale Lake County Short Sale, McHenry County Kane County Short Sale, Short Sales I can Offer Help With Foreclosures Save Your Home From Foreclosure Help With Short Sale You Home Stop Foreclosure Offer Services In Avoiding Foreclosure and work with Chicago
Short Sales

☛ Check Top Realtors Online

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Short sale homes. Stop and avoid foreclosure. Illinois Short Sales.

chicagoshortsalehomesandforeclosuresexpert — Sat, 11 Jul 2009 14:44:34 +0000

www.ChicagoandHomes.com

Chicago Short Sale Agent, Illinois Short Sale Realtor, Broker. Short Sale Specialist, Short Sale Homes In Chicago, Illinois. Short Sale in Cook County, DuPage County, Kane County, McHenry County, Lake County.

DON’T LOSE YOUR HOME TO FORECLOSURE!

As a Licensed Real Estate Broker Illinois realtor with 19 years of experience

Certified Distressed Property Expert - Short Sale Specialist, Illinois Top Agent,

Certified Loan Originator I can give you the expertise necessary to save your credit, relieve the uncertainty and most of all, help your family. Don’t Wait Until It’s Too Late! Contact me, Short Sale Agent Expert Regina Zak Tomas, and let’s get started towards the path of recovery.

Foreclosure? Avoid Foreclosure? Stop Foreclosure? Short Sale? Pre Foreclosure?

Don’t Wait Until It’s Too Late! I CAN HELP YOU! 773-520-1522 Don’t hesitate to give me a call or email me for any information you might need for SHORT SALE or FORECLOSURE.

Work with a Real Estate Agent, Broker

A short sale has the potential to become very complicated. Lenders prefer to deal with a realtor instead of with the buyer. As a real estate agent, I am very persistent and patient with the short sale, using my abundant amount of experience to make the process as smooth as possible. There is no cost for professional representation! The lender covers the costs of the real estate commission.

If you want to avoid foreclosure and keep your home, your first step is to call your lender! If you are having difficulty paying your mortgage on time, it’s important to act now before things get so bad that you are facing foreclosure.

In a situation where you want to sell your house, but it is at risk for foreclosure, your best option is short sale .

Chicago Short Sale, Chicago Real Estate Agent, Broker, Stop Foreclosure. I Can Help You!

Don’t settle for the ordinary untrained agent. You need a Specialist!

FORECLOSURE VS. SHORT SALE

Current or Future Employment

Foreclosure; Employers have the right and are actively checking the credit regularly of all employees who are in sensitive positions. A foreclosure in many cases is ground for immediate reassignment or termination. Many employers are requiring credit checks on all job applicants. A foreclosure is one of the most detrimental credit items an applicant can have and in most cases will challenge employment.

Short sale: A short sale is not reported on a credit report and is therefore not a challenge to employment.

Deficiency Judgment

Foreclosure: In 100% of foreclosure (except in those states where there is no deficiency) the bank has the right to pursue a deficiency judgment.

Short sale: In some successful short sales it is possible to convince the lender to give up the right to pursue a deficiency judgment against the homeowner.

Deficiency Judgment (amount)

Foreclosure: In a foreclosure the home will have to go through an REO process if it does not sell at auction. In most cases this will result in a lower sales price and longer time to sell in a declining market. This will result in a higher possible deficiency judgment.

Short sale: In a property managed short sale the home is sold at a price that should be close to market value and in almost all cases will be better than an REO sale resulting in a lower deficiency.

Future Loan with any Mortgage Company

Foreclosure: On any future 1003 application, a prospective borrower will have to answer YES to question C in Section 7 of the standard 1003 that asks “Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?” this will affect future rates

Short sale: There is no similar declaration or question regarding a short sale.

Credit Score

Foreclosure: Your score may be lowered anywhere from 250 to over 300 points, typically affecting your score for over 3 years.

Successful short sale: Only late payments on mortgage will show and after sale mortgage will be reported as paid or negotiated. This will lower the score as little as 50 points if all other payments are being made. A short sale’s effect can be a brief as 12 to 18 months.

Credit History

Foreclosure: Foreclosure will remain as a public record on a person’s credit history for 10 years or more.

Successful short sale is not reported on credit history. There is no specific reporting item for ‘short sale’. The loan is typically reported ‘paid in full, settled, paid as agreed’.

REO – definition of REO – Real Estate Owned. Property which is in the possession of a lender as a result of foreclosure or forfeiture.

Foreclosure – definition of foreclosure – The legal process by which an owner’s right to a property is terminated, usually due to default.

Definition: BPOs are often associated with foreclosures and short sales. A BPO, or broker price opinion, is a broker’s opinion of the value of a property in the current market.

Make sure a qualified real estate professional is representing you!

Regina Zak Tomas 773-520-1522

www.Chicagoandhomes.com

Regina Zak Tomas, expert in short selling properties! If you don’t want to loose your home to foreclosure, call me.

I don’t charge any fees for short sale listing! and “short sale” service.

I know that the online marketing is key to real estate success. You can see my website on many front pages like Google, Yahoo, etc. In addition, I advertise listings in various websites like Craigslist, Oodle, HotPads, Zillow, Backpage, Vast, etc. I am the Top Agent Broker,with many satisfied clients! Why not list with me?

My Website is on the front of many sites, including:

Top Agent America’s Most Popular Realtors Online www.TopAgents.biz

Lender Lister Top Sites www.LenderLister.com/topsites/

Why not to work with the best?

You can find my profile on:

www.namyz.com,

Don’t settle for the ordinary untrained agent. You need a Specialist! 773-520-1522

My site allows you to perform very detailed searches using search fields typically reserved only for real estate agents, so it’s a great place to start. www.Chicagoandhomes.com

Don’t hesitate to call or e-mail me with any of your real estate questions, I would be delighted to help you make the process of buying or selling a home a really smooth one.

Federal Housing Administration allow first-time home buyers to use the $8,000 tax credit as a down payment. You’re considered a first-time homebuyer if you have not owned a home for three of the last five years.Don’t settle for the ordinary untrained agent. You need a Specialist! 773-520-1522

As your CDPE agent, Short Sale Specialist I will explore every option with you and work towards a resolution.

Illinois Foreclosures, Illinois Short Sales

Cook County Foreclosure, DuPage County Foreclosure, Lake County Foreclosure, McHenry County Foreclosure, Kane County Foreclosure, Cook County Short Sale, DuPage County Short Sale, Lake County Short Sale, McHenry County Short Sale, Kane Short Sale. I can Offer Help With Foreclosures, Save Your Home From Foreclosure, Help With Short Sale You Home, Stop Foreclosure, Offer Services In Avoiding Foreclosure, and work with Chicago Short Sales.

Regina Zak Tomas. Licensed Real Estate Broker with 19 years of experience, Certified Loan Originator, Certified Distressed Property Expert – Short Sale Specialist

Stop Foreclosure, Avoid Foreclosure, Pre-Foreclosure, Short Sale, Chicago Short Sale Homes

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Save Your Credit! Foreclosure? Consider a Short Sale with Short Sale Expert.

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