Times can be difficult during this period of economic slowdown.  A homeowner who is experiencing financial distress and/or in foreclosure represents more than just one family event, it represents a family's financial future.  In a housing market like the present a REALTOR® has to understand the specific challenges that are facing homeowners.  Many hardships can befall a family during uncertain times that can turn home ownership into a nightmare. There may be better options for you as a homeowner than foreclosure or bankruptcy.  Options that may allow you and your family to recover much quicker with much less stress and anguish.

I believe in helping individuals and families on MainStreet first! I have received specialized training to provide you with information and options that will help you make an informed decision.   Assembling a team of professionals including a Lender and Title Company to provide their expertise is necessary to complete the package. 

Combined with my services as your REALTOR® this team can provide a network of easily obtained information.  We will listen to you and gain your trust.  And we have the creativity and the courage to be positive and solutions-oriented. 

Above all, ethics is paramount.

If you need help, there are options that can help.  One of these options is a "Short Sale".

A short sale is when the lender agrees to accept less than is owed on the property and the homeowner is relieved of the debt.  A lender may be willing to do this because it is much more expensive and difficult to execute a foreclosure.  A short sale is much less harmful to a homeowner's credit than a foreclosure.

Family hardships can come in all forms.  The loss of a business or job, medical emergencies, or a sudden rise in the monthly mortgage payment can all create an unforeseen hardship.  Ignoring the bills will not make them vanish, it will only make a stressful situation worse.