Avoid Foreclosure

Avoid Foreclosure

Chances are you or someone you know in the Des Moines/Ames metro area is facing the possibility of foreclosure. You are not alone.

Today, 1 out of every 6 homeowners in America is behind on mortgage payments. These are tough and frustrating times. Now more than ever, it's important to identify your options. Foreclosure can be avoided, your credit can be saved, and your financial future can be salvaged.

As a Certified Distressed Property Expert (CDPE) and Realtor, I can give you the expertise necessary to save your credit, relieve the uncertainty, and most of all, help your family.

As a CDPE, I can save 9 out of 10 people from going into foreclosure. By using a licensed CDPE, there is a 90% success rate. A foreclosure can lower a person’s credit score from 250 to over 300 points and will affect the score for over 3 years. Foreclosures will also remain on a credit history for 10 or more years.

With a successful short sale, this will only affect a person’s credit score as little as 50 points and only affect their score for 12 to 18 months. Short Sales are also not reported on credit history.

Through my experience handling distressed properties at RE/MAX Concepts, I have found homeowners today have more questions than answers about their circumstances. I have created this site to help you understand the possible solutions to foreclosure, as well as provide a detailed explanation of short sales, which may be the best course of action for some homeowners.

As an agent with the CDPE® designation, I have a strong and unique appreciation of the factors affecting the market and know which options are available to you.

I am here to help … in any way I can. You are not alone. Whether you are looking to remodify, list your home as a short sale, or seek any other foreclosure alternative, my services are FREE to you. You have nothing more to lose and everything to gain.

If you would like a free, confidential evaluation of your individual situation, property value, and possible options, please contact me at (515) 984-0222 or email me at shanetorres@remax.net. Call today to start on your path to recovery!

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