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WORRIED ABOUT FORECLOSURE?
We want you to realize that your situation is not hopeless, regardless of what you might be thinking or may have been told by others. Your lender is not looking for an excuse to foreclose. The truth is most lenders would rather have you keep your home and keep making payments each month. You are not alone. Thousands of people across Wisconsin have similar issues with their mortgages every year.
The most important key to resolving your situation is being proactive. Even if your mortgage payments are just a few months behind, your lender has probably already started foreclosure proceedings against you. Doing nothing is the fast track to foreclosure. Thousands of dollars in penalties and legal fees may be added to your balance due. The longer you wait, the harder it is for us keep foreclosure off of your records.
WHAT IS A SHORT SALE?
You may have heard of a transaction called a short sale. This is one tool that Rock Realty uses to help home owners keep foreclosure off of their records. With a short sale, sellers avoid having to go through a lengthy foreclosure process and prevent the impact of a foreclosure on their credit score.
A short sale occurs when a lender agrees to take less than the amount owed to payoff a loan as an alternative to foreclosure. Lenders know that it will cost them a significant amount of money to take a property back. We can often convince them that they will be better off financially if they sell the property now rather than taking the home through foreclosure and trying to sell it later. So, a short sale can actually be good for them.
WE CAN HELP!
Our first priority is to help homeowners overcome the obstacles that could result in the loss of their home. We specialize in helping homeowners who have fallen behind on their mortgage payments. You deserve a fresh start. If you are facing the possibility of foreclosure, we can help you.
The first step is looking through our FRESH START PACKET
(If you have trouble opening the link above please contact us directly for more information.)
Please Note: We are not attorneys nor are we credit counselors. The information that we are presenting here is general information and should not be confused with legal advice. If you require legal advise, please consult with your attorney.
What are my options to foreclosure in Wisconsin? 1. Make the payments:
Your best option of course is to bring your mortgage current by paying back payments
(arrears) due and any interest or fees assessed.
• If you are only behind a payment or two, talk to your lender. They will help you set up
a payment plan to get caught up, save your home and save your credit.
2. Sell your home:
If you have suffered a life altering occurrence (job loss, injury, divorce, death of spouse,
etc) and cannot make payments, list your home with a local Realtor® and try to sell it.
• Rock Realty has licensed Realtors® on our staff that will take care of all of the details.
Call us at 608-921-8536 for a FREE property evaluation.
• It is important that you make this call early in your foreclosure process.
3. Work with Rock Realty: OUR SERVICES ARE FREE!
Rock Realty will negotiate with your bank to convince them to accept a lower amount
then what is owed. This is called a Short Sale.
If you owe more than the house is worth, and/or have a second or third mortgage, you
want to prevent foreclosure and get a fresh start, a short sale may be your best option.
It does require you to vacate the home, but it will prevent further credit damage, stop
foreclosure and allow you to move forward with your life.
Call us today for a free consultation.
TAKE ACTION NOW!!
THE WORST THING YOU CAN DO IS NOTHING.
OUR SERVICES ARE FREE, CALL US TODAY FOR A
FREE NO OBLIGATION CONSULTATION
(608)921-8536
ROCK REALTY
CONTACT INFORMATION:
AQUISITIONS & SALES:
Michael Collins
(608)921-8536
ADVERTISING &
TECHNICAL SUPPORT:
Matthew Heitmann
(608)347-4196
Via fax at (877)774-ROCK
Click on "FRESH START" for more information!
Do you owe more then your home is worth? Falling behind with payments?
Concerned about keeping foreclosure off of your records?
We have helped many Wisconsin home owners out of unfortunate situations.
We're here to help!
WE SPECIALIZE IN WISCONSIN SHORT SALES.
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***---------We negotiate short sales for home owners. Ask me about our available discounted homes!- We pay referrals!- Do you have a listing that may go to foreclosure? No equity, call us!---------***
Do you owe more then your home is worth? Falling behind with payments? We have helped many Wisconsin home owners out of unfortunate situations. WE SPECIALIZE IN WISCONSIN SHORT SALES.
Concerned about keeping foreclosure off of your records?
We're here to help!
CONTACT INFORMATION:
AQUISITIONS & SALES:
Michael Collins
(608)921-8536
ADVERTISING &
TECHNICAL SUPPORT:
Matthew Heitmann
(608)347-4196
Via fax at (877)774-ROCK
Click on "FRESH START PACKET" for more information!
WHEN MIGHT I CHOOSE A SHORT SALE?
If you are falling behind on mortgage payments, owemore than the house is worth and/or have a second or third mortgage, you want to avoid
foreclosure and get a fresh start, you may want a short sale.
WHAT IS A SHORT SALE?
A "Short Sale" occurs when a Lender agrees to take less than theamount owed to payoff a loan as an alternative to foreclosure. Lenders know that it takes
on average $60,000 to take a property back. We can often convince them that they will
be better off financially if they sell the property now, to us, rather than taking the home
through foreclosure and trying to sell it later.
HOW LONG WILL IT TAKE?
The Short Sale negotiation process can be a lengthy one. It maytake several weeks or a few months to get an approval. Many Lenders have several layers of
bureaucracy and processes which we work through in order to get a Short Sale approved.
WHAT DOES IT COST?
We do not charge for short sales, our fees are covered by the lender.
WILL I HAVE ENOUGH TIME?
Time is of the essence in this situation, so you should always,at the very least, contact an advisor to find out what your options are and what can still be
done. If you are just starting to fall behind, you have other options and may be able to work
it out on your own with some advice. If you are a few days away from the sheriff's sale, there
may not be enough time. Please call us as soon as you see the issue arise.
CAN I STAY IN THE HOUSE?
Since lenders no longer allow homeowners to live in their home if
it is purchased via short sale, a home owner will need to find alternative housing arrangements.
HOW DO I KNOW THIS WILL WORK?
There's no way of knowing if the lender will agree to ashort sale. However, we are very good at what we do, and can often present a very strong
case and convince the lender to agree to the sale.
WILL I GET ANY MONEY FROM THE SALE?
Unfortunately, no. Since the Lender is taking a losson your loan, they will not allow any funds to transfer to you. It is viewed as fraud.
HOW CAN I HELP?
The Lender will require us to submit a short sale package which will include some financialinformation from you. The short sale cannot actually begin until these are submitted, and time
is of the essence. Visit http://www.RockRealtyWI.com or call us at (608)921-8536 for more details.
WHAT CLIENTS HAVE SAID ABOUT ROCK REALTY.
"We are writing this testimonial to inform any potential clients that Michael Collins successfully helped save our home. We found ourselves in a financial hardship which caused us to be late on mortgage payments. This eventually led our lender to foreclose on our home. Michael Collins was able to negotiate with our lender and cancel the court auction. This gave us time to resolve our financial difficulties and eventually work out a payment plan with the bank."
"We both strongly endorse Michael Collins as an agent who has the experience and resources to help people like us in a similar situation. We are deeply gratefull for his efforts and plan to use him as our agent in any future real estate transactions."
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Chris & Linda (Janesville, WI)
Rock Realty Client
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"I found myself in a bad financial spot when I lost one of the two jobs I was working. Soon I didn't have the money to pay even my most important bills. After falling behind in payments on my house I was contacted by Matthew Heitmann from Rock Realty. He suggested that instead of losing my house through foreclosure I should attempt to do a short sale on my home.
It was easy working with Matthew Heitmann and Michael Collins from Rock Realty. They were able to keep a foreclosure off of my records and lift a huge weight off of my shoulders. The couple that we sold the home to were very happy to get it at such a cheap price. I would recommend Rock Realty to anyone who may be struggling to make their house payments."
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Melvin (Madison, WI)
Rock Realty Client
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Click on "FRESH START" for more information.
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