Stop Michigan Foreclosure

Lightning Does the Work

I was out running errands yesterday and heard a song from Chad Brock called “Lightning Does the Work”. I’ve probably heard it at least 40 times, but this time was different. I was singing along off key and it suddenly hit me- this song describes our Great Lakes Home Solutions team.

Having worked in the real estate industry for about 11 years I’ve heard many people claim that they know all about short sales and can get them negotiated without any problem and that they’re even easy. I’m here to say that they’re all wrong. In the lyrics of the song Chad sings “Thunder’s just a noise, boys, lightnin’ does the work”. I like to think of us at GLHS as the lightning. While others are busy talking about how much they know; we’re busy closing short sales (usually 3 to 8 per month). I know I’m tooting our own horn, but I think we deserve it. With an 85% success rate over the last 6 months, how can we not. If you’re looking for a team that is dedicated to helping you sell your house and stop your Michigan Foreclosure, give us a call.

Emily

I’ve spoken to a few families that wanted to not do a short sale and ride out their redemption period.  Why? Not because it was the best for them, but because the thought of the dreaded winter move was “impossible”. I’m here to say, no it’s not. I just did it and I’m still here to tell the story. More than that, you have to understand that a short sale isn’t a fast process. If a short sale is right for you, and we start the process now, chances are pretty good that the snow will be gone by the time you move.

Don’t let the idea of the dreaded winter move stop you from making the best choice for your family. If you’re not sure what your options are when facing a Michigan foreclosure,  give me a call. I’d be happy to discuss all of your options with you.

Emily

If you’re anything like me, when I was trying to stop my Michigan foreclosure by myself, the worst part was trying to get through to the mortgage company. People often ask me why I’d want to spend all day at work on the phone waiting on hold to talk to someone from a lender. Well that’s a simple answer- it’s easy, because it’s not part of my job!

Melissa  is the one who spends countless hours on the phone negotiating short sales for our sellers. Honestly, I’m not sure how she does it. Not only does she do it, she does it well. She has ways of not just getting through to an actual human being, but getting results! After all, our success rate is 85% over the last 6 months (compared to the national average of only 10% of short sales closing).

If you’re looking for help and tired of wasting time on the phone with your lender, give me a call. I’m happy to discuss your options with you.

Emily

I just received a call from someone who realized that they need our help. She lost her job and was feeling so overwhelmed, that she didn’t want to address any of her financial issues. The only problem: once she did start to address her problem, it was too late. She said she’s known in the back of her mind that she’s needed a short sale but was just so overwhelmed, she didn’t even know where to start. Now that she’s realized that a short sale is her best and only option, it’s too late for us to help her.

Why? Foreclosures are very time sensitive. Once the lender refers the matter to an attorney to start the foreclosure, there is a legal process they must go through. However, unlike many states, the process before the foreclosures auction is relatively quick in Michigan taking weeks instead of months like some states. While we can still help you after the foreclosures auction (another relatively unique feature of a Michigan foreclosures) that time period is also dictated by law and goes incredibly fast considering everything that has to happen (contact lenders, get house listed with a REALTOR®, find a buyer, waiting for an answer from the bank, etc.). Although they vary from case to case, every minute wasted is a minute that we could have been helping you stop your Michigan foreclosure.

If you’re trying to sort out your options, please give me a call. It’s never too early to call me; I’m glad to help and to also explain your timeline to you as well as options and resources to help you make a good decision about the best plan for you. Please don’t wait to give me a call – it just may be too late if you do!

Emily

I recently took a call from a seller who had their hours at work cut in half and wanted to do a short sale to prevent a foreclosure on their house. They met all of the criteria for us to do the short sale. As we were finishing our conversation, they told me that they wanted to sell the house to their brother, who was going to rent it back to them. Uh, oh. No can do. I told him that he can go ahead with the short sale, but could not sell it to a family member and reside in the house again. Benefiting from a short sale would be considered mortgage fraud. This is a federal crime and the FBI is all over things like this. He was shocked, and grateful that I had told him about this as he didn’t want to break any laws or end up in a federal prison.

They decided that the short sale was still their best option and that they would work with us to find a buyer for the house- who of course isn’t related to them.

If you’re facing difficult times and need help preventing a foreclosure on your home, give me a call. I’d be happy to discuss your options with you.

Emily

This is a follow up to a blog that I wrote before about a Michigan foreclosure that I went through several years ago. I had a family that we’re currently helping ask me this week “Why in the world would you put that out for everyone to read, it’s such a personal issue?”

Great question. The answer- I want other people to know that they’re not the only ones who are going through a Michigan foreclosure. As much as it is a personal matter, they don’t have to go through it alone. Most importantly, as I stated in the previous blog, I want people to know THERE ARE OPTIONS!

Yes, going through a Michigan foreclosure was not one of the shining moments in my life, but, I made it through it- AND YOU WILL TOO. Don’t do what I did and try to figure it out on your own. By the time I realized that I needed an expert’s advice it was too late. Fortunately, now I have a vast knowledge of the foreclosure process, and I’m here to share it with you. Don’t wait any longer – call or email me now.

Emily

It’s Christmas Eve, and yes, I’m working as I write this. Some would think working on Christmas Eve would be horrible. I completely disagree. I just had the joy of calling not one, but two different families, to tell them that we’re stopping their Michigan foreclosure and moving towards closing on their house! What wonderful calls to make on Christmas Eve!! I could hear the joy and relief in their voices and at that moment I knew, they were certainly going to enjoy their Holiday. If you find yourself facing a Michigan Foreclosure, give me a call – you’ll be thrilled that you did. I’d be glad to discuss your options with you and who knows, I’ll probably be calling YOU to tell you that we’ve stopped your Michigan foreclosure!

Emily

I just got off the phone with a homeowner who is facing a Michigan foreclosure. They only have a few months left in their redemption period and called to see what options they have. Unfortunately, since they waited so long without searching for a solution, there are not many options left.

She told me that she’s known this whole time about the foreclosure, but that the idea of it was so scary, that she had just pushed it to the side and didn’t address it. I certainly understand her being scared, but I would find it even scarier if I didn’t know what the next step was, how long I had left in the house, or what my options were.

Yes, the idea of facing a Michigan foreclosure is scary; but your best tool for dealing with that is having information. The more you know about your rights and options, the more control you’ll gain over the process. If you’re not sure who to call, look no further, I’m just a phone call away. You can reach me anytime at 269-685-5921 or on my cell at 269-808-5880.

Emily

I saw a quote the other day by an unknown author that said “Life is 10% what happens to us and 90% how we deal with it.” I know it’s hard to keep this in mind when you’re facing a Michigan foreclosure, but it’s true

I’m sure there were extenuating circumstances that led you to the pending Michigan foreclosure you find yourself facing. There always are for the dozens I speak to every week (and there were for me in my Michigan foreclosure). Those circumstances have taken place, and the past can’t be rewritten (I wish it could be!)

So, how do you deal with it? Take charge of your situation. There are options!!! If you need guidance on what those options are, please call me. I’d be glad to give you the information you need to help you decide what’s best for you and your family.

Emily

Back in 2002, I had a rental house that the tenant had moved out of. We weren’t able to find anyone to rent it to in order to cover the mortgage, so we decided to sell. The problem? Our house wasn’t worth what we owed on it. Yep, even way back in 2002!

We had invested almost all of our savings into repairs and upgrades to the house thinking that would bring in a buyer faster and at a higher price. Boy, were we wrong. Not only did it not bring in any offers, but we were also out of savings and still had that monthly mortgage payment to make. The next thing we knew, we were facing a Michigan foreclosure.

Why am I telling you this story? Well, because had I known that there were other options out there, like a short sale, I could have saved us from the nasty Michigan foreclosure, all of its financial and emotional damage (can you believe they published our name in the newspaper next to everyone else facing foreclosure in the entire county!?!).

I consider myself lucky that I have a career that I love. I help families, just like mine, stop Michigan foreclosures on their houses. I’ve been in those shoes- I know what it feels like to make tons of phone calls to the mortgage company, only to get nowhere. I know what it feels like to have that heavy burden of not knowing your options just sitting on your shoulders. That’s why I’m here – to lift that burden and to help prevent what happened to my family from happening to your family. If you want to discuss your options, please give me a call – I’m here to help.

Emily