Photo taken by Debra Kukulski, ABR, RECS, GRI, EPRO, Realtor with RE/MAX Unlimited Northwest Cary-Crystal Lake IL, provides highly professional levels of real estate services to home buyers and sellers in McHenry, Lake, Kane or Cook Counties in Northern Illinois. Visit my www.FoxRiverProperties.com to search for homes for sale in Northern Illinois. "Easter Sky on Pistakee Lake" Fox Lake, Chain of Lakes, IL"" ©2009. Property of Debra Kukulski, All Rights Reserved. Photo may not be used or reproduced in any way without express written permission from Debra Kukulski.

If I can be of assistance to you, please do not hesitate to call or email me. It will be my pleasure!
By the way, if you know of someone that could benefit from my high level of service, please call or email me with their name and daytime phone number and I will make sure to follow up and take great care of them. My business is over 87% referral and repeat clients and I am so grateful it keeps growing from your loyalty and referrals:-)
My Direct Number at the Office is 847.516.6760

One of the most important things I learned in the Certified Distressed Property Expert course I took last week (CDPE) were ways to help troubled homeowners stay in their homes and to try to help get the word out that there ARE options for many people.
A very shocking statistic I learned was that 7 out of 10 homeowners whose homes actually get foreclosed upon get to that point without any visible help. There are so many good people that are experiencing financial difficulties at this time in our present economy, but many of the people who need help the most feel too ashamed or embarrassed to reach out for help. As a CDPE, I am now trained to help do what I can to help people prevent foreclosure. For some people that qualify, a short sale may be the answer but I would advise not only talking to your tax and legal professionals, but also looking over the resources listed below. If you would like to talk to me, I would welcome that opportunity to see if I can help you personally.
Here are some very useful and some NEW links to check out:
*US Treasury-Loans as low as 2%
*Obama administration's MHA, visit Making Home Affordable
*Find out if you are eligable for a re-finance or loan modification here
*Find a HUD counselor (for FHA loans) or talk directly to your mortgage company
*Find out if you have a Fannie Mae mortgage here
*Find out if you have a Freddie Mac mortgage here
*Freddie Mac- more help to avoid foreclosure
*Freddie Mac-tips on working with YOUR lender to avaoid foreclosure
*Foreclosure prevention workshops
*Mortgage Bankers Association Home Loan Learning Center and Foreclosure Prevention Resource Center
Please keep in mind that the information available is changing constantly with new programs and updates. And don't be too embarrassed to reach out for help. You are not alone and you owe it to yourself and your family and your credit rating to do all you can to see if you are qualified for any of the available options before letting a foreclosure happen to you.
I hope you find this information useful. I am only a phone call or email away if you need real estate help:-)

If I can be of assistance to you, please do not hesitate to call or email me.
It will be my pleasure!
By the way, if you know of someone that could benefit from my high level of service, please call or email me with their name and daytime phone number and I will make sure to follow up and take great care of them.
My business is over 87% referral and repeat clients and I am so grateful it keeps growing from your loyalty and referrals:-)
My Direct Number at the Office is 847.516.6760
To Search Homes For Sale, Please Contact Me Directly Or Feel Free To Search On My Website!
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I just wanted to post this article since it will not be on the Re/Max International site any longer after today and I posted a link here to the Earth Hour atrticle the other day. Re/Max is re-vamping the entire Re/Max site this weekend and I was told the link I posted earlier will not longer be working.
So, here goes, with gratitude and express written permission from the author, Deborah Ball, RE/MAX Times Associate Editor, of course:-)
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To Search Homes For Sale, Please Contact Me Directly Or Feel Free To Search On My Website!
I hope you find this information useful. I am only a phone call or email away of you need real estate help:-)
If I can be of assistance to you, please do not hesitate to call or email me. It will be my pleasure! By the way, if you know of someone that could benefit from my high level of service, please call or email me with their name and daytime phone number and I will make sure to follow up and take great care of them. My business is over 87% referral and repeat clients and I am so grateful it keeps growing from your loyalty and referrals:-) My Direct Number at the Office is 847.516.6760
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Earth Hour 2009 was fun and such an easy thing to do to. Thanks to all who particapated!
The event was BIG.
I even got interviewed by RE/MAX international and the article was on page ONE of the RE/MAX site!
Click Here to READ Earth Hour Article including Debra Kukulski Interview
From Earth Hour:
"ON BEHALF OF THE PLANET, WE THANK YOU! Earth Hour 2009 was an amazing success and we wanted to thank you for your support. Lights went out in 4,085 cities in 88 countries in what is being described as the largest demonstration of public concern about climate change in history. Check out this amazing view of the world going dark at: Thanks for turning out for Earth Hour 2009! To Search Homes For Sale, Please Contact Me Directly Or Feel Free To Search On My Website! I hope you find this information useful. I am only a phone call or email away of you need real estate help:-) If I can be of assistance to you, please do not hesitate to call or email me. It will be my pleasure! By the way, if you know of someone that could benefit from my high level of service, please call or email me with their name and daytime phone number and I will make sure to follow up and take great care of them. My business is over 87% referral and repeat clients and I am so grateful it keeps growing from your loyalty and referrals:-) My Direct Number at the Office is 847.516.6760
www.boston.com/bigpicture/2009/03/earth_hour_2009.html
The Earth Hour Team
EarthHourUS.org"
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