One of my chosen areas of specialization is Foreclosure Avoidance Realtor. Foreclosure should be one of the top 5 life-changing events in a person's life along with: marriage, death, relocation, divorce and taxes. Many clients have come to me in their darkest hours seeking help to save their homes or help them avoid foreclosure by the least damaging method possible when they become unable to make their mortgage payments.

What we're finding is that there are all manner of difficulties homeowners are facing here in the Chicagoland area that preclude them from making their mortgage payments. If you are having any one of the following problems, please don't wait

 

Give me a call IMMEDIATELY because you should never ignore a late payment on your mortgage!

 

Possible Signs of Mortgage Default

1. Divorce or Separation;

2. Death in family;

3. Health Issues;

4. Predatory Lending;

5. Over-extended on your credit or have 2 loans on your property;

6. Job Loss Unemployment or Transfer;

7. Declining Market (if you mortgaged 85% or more you may be at risk!);

8. You’re making 2 mortgage payments;

9. Your interest rate readjusted;

10. You can’t keep up with increasing costs of property taxes or home insurance;

11. You MUST sell quickly but you owe more than your property value;

12. Bad investment – Rents can’t pay your mortgage payments.

YOU DON’T PAY ME A DIME!

WATCH OUT FOR PREDATORS WHO WANT

TO BE PAID AN UPFRONT FEE FOR SERVICES!

IF YOU HAVE BEEN SERVED DOCUMENTS AND DON’T KNOW WHAT TO DO; CALL ME! I WILL HELP YOU PREPARE YOUR DOCUMENTATION FOR THE COURT.

NEVER IGNORE A SUMMONS OR COMPLAINT! CALL ME; I WILL HELP YOU!

 

 

In a short sale, your mortgage company pays all of your closing costs; including my commission!

Pros and Cons to Short Sale versus Foreclosure; which would you prefer?

 

SHORT SALE                                                            FORECLOSURE

1. Negotiated Settlement                                             1. Court Settlement

2. Seller’s Credit Bruised                                            2. Seller’s Credit Ruined

3. No Attorney Fees                                                   3. Huge Attorney Fees

4. Seller’s Peace of Mind – New Start                        4. No Peace of Mind – Eviction

5. Seller may be able to buy again within 2 yrs.            5. Seller may not be able to buy again

                                                                                       for 7 – 10 yrs.

6. Junior Liens are negotiated.                                     6. All Liens are extinguished leading to

                                                                                       possible garnishment of wages or default

                                                                                       judgment.

 

Whether you wish to keep your home or negotiate a short payoff of your loan -

 

I CAN HELP YOU!

 

I am skilled in Short Sale negotiations with lender(s) but i can also guide you if you wish to stay in your home and work out a forbearance plan with your lender.

Call Christopher Zajko at 847-791-7095 or drop me an email at chicagohomes@yahoo.com to discuss your specific situation.