Chicago Short Sale Homes Chicago Short Sale Realtor, Expert in Successful Short Sales, Foreclosures
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SHORT SALE SERVICE FREE! List and sell your short sale property for free!
Chicago Short Sale Homes Chicago Short Sale Realtor, expert in successful short sales, foreclosures
www.ChicagoShortSale-IllinoisForeclosure.comAvoid Foreclosure, Short Sales in Illinois, Chicago Short SaleIllinois Short Sales Real Estate Short Sale Cook County, Illinois Short Sale DuPage County, Short Sale Lake County, Short Sales Illinois McHenry County, Will County, Chicago and Suburbs Short Sale, Stop Foreclosure! Illinois Short Sale Agent , Broker, Certified Distressed Property Expert.
DON'T LOSE YOUR HOME TO FORECLOSURE, Avoid Foreclosure! I CAN HELP YOU!
Don't Wait Until It's Too Late! I CAN HELP YOU! Don't settle for the ordinary untrained agent. You need a Specialist! 773-520-1522
A short sale is an alternative to foreclosure and may be an option if:
You owe more on your home than it’s worth
You are behind on your mortgage payments
You are facing a long-term hardship
You are ineligible to refinance or modify your mortgage
You can no longer afford your home and are ready or need to leave
ON YouTube http://youtu.be/6yECleiTGWs
Access My Progressive Property Marketing Plan
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!
As a Licensed Real Estate Broker, 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.
If you're considering buying or selling a home, selecting a real estate agent is the first important decision you will have to make.
Credit Score: Score may be lowered anywhere 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.
In a situation where you want to sell your house, but it is at risk for foreclosure, your best option is short sale.
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 Sales
Don't settle for the ordinary untrained agent. You need a Specialist! 773-520-1522I 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,
Lender Lister Top Sites www.LenderLister.com/topsites/
Why not to work with the best?In Real Estate, a Short Sale - What is it?
The Short Sale Process?
The Seller's Benefits, The Buyer's Benefits?
For more email to; Regina Zak Tomas
If you have any questions, don't hesitate to contact me! But sometimes emails don't go through, so it might be better to call me at 773-520-1522.
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! 773-520-1522
http://www.Regina.IllinoisProperty.com
In Real Estate , a Short Sale - What is it?
A Short Sale is when a lender agrees to receive less than the original amount owed on the property, via negotiations, to be able to release the lien.
The Short Sale Process
The first step is to find out if a short sale is an available option for you.
Then the property is put into the market, and the Hardship Package is given to the lender.
When an offer is received it is submitted to the lender. If the lender approves the offer, the file moves to closing
The Seller's Benefits, The Buyer's Benefits
The homeowner can eliminate their mortgage debts without financing repairs for the purpose of the selling the property.
The lender pays for commissions and closing costs.
The seller’s credit report is not negatively affected by a foreclosure
Bankruptcy can be prevented.
The homeowner can stay on the property until the procedure is finished.
Buyers can buy property that has a below-market price. Also, the short sale properties are usually in better shape than foreclosure properties (don’t need as many repairs).
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.
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'.
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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.
Make sure a qualified real estate professional is representing you!
Regina Zak Tomas 773-520-1522
Licensed Real Estate Broker with over 20 years of experience, Certified Loan Originator, Certified Distressed Property Expert, Certified Short Sale Expert
www.ChicagoShortSale-IllinoisForeclosure.com
WHY IS IT WORTH IT TO WORK WITH ME?
I have over 20 years of experience working full time as a real estate broker.
I am a Licensed Real Estate Broker, Certified Loan Originator, Certified Distressed Property Expert
I work with the best law firms in area.
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.
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 experience and collected certificates, causes former clients to eagerly return to me for business and to recommend me to their friends.
I’M SHORT SALE CERTIFIED WITH MILLIONS OF DOLLARS IN CLOSED SHORT SALE TRANSACTIONS
Serving in Cook, DuPage, Lake, McHenry, Will, Kane, Kendall, DeKalb, and Kankakee Counties in Illinois.
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