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Announcement: Welcome To Our Blog!

Be sure to check out our brand new video on How To Stop Foreclosure on your Michigan House

Click to watch Stop Michigan Foreclosure Video

We’ve created this BLOG because things are constantly changing in the world of Foreclosure Solution. This BLOG will give us the ability to communicate those changes to you, along with what some of the “Real Life Experiences of Michigan’s #1 Foreclosure Solution Team”.

Of course if you can’t find what you’re looking for here, you’ll finds loads of great information on our website (www.StopMichiganForeclosure.com).

We find that many of the families we work with would like to get to know our team better. You’ll find short video introductions to our entire team on the About Page (just click here then scroll to the bottom for links to our team).

If you need us (never a fee of course), we’re just a phone call away.

Ann,
Joel,
and Holly

P.S. Did you catch Joel on the Radio being interviewed about ways to stop foreclosure? Now’s your chance to listen!


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P.P.S. Oh, and here’s the one-time special legal disclosure: We are not an attorneys. The information presented is our best knowledge based on our experiences and education. You should seek legal counsel if you want specific legal details.

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Announcement: Sending Us An Email?

Just a quick tip: If you send us an email asking for help, be sure to check your “SPAM” or Junk mail folder for an answer. Many times, our answers end up there because we send them from a corporate email address.

Look for an answer from someone on our team that comes from either @StopMichiganForeclosure.com or @GreatLakesHomeSolutions.com. You may want to add these two domains to your “safe senders list” or “white list” right now.

I’d hate to see you ask for advice only to never see the answer!

Joel

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Unspoken Promises

Unspoken Promises

Regular Readers of our blogs hopefully know by now that we always make 4 promises when helping sellers who are facing a Michigan Foreclosure.

  • We will never ask you for money.
  • We will never put you in a situation that is worse than you are currently in.
  • We will always keep all of your information 100% confidential.
  • We will always work harder than anybody, doing whatever we can, to permanently stop your foreclosure situation

Recently, I have talked to several distressed sellers who were not only financially distressed because they were not able to make their house payment, and also mentally & emotionally distressed because they had been cheated and mistreated by someone claiming to be able to help them. Usually the stories are similar. Someone makes the seller a big promise to negotiate with their bank, money is paid by them for the promise of services (note: it may be illegal for someone to take money prior to performing a service, be sure to read our blog on MARS), then the negotiator disappears or stops communicating and the seller has no clue what is going on. These stories always make me mad because:
1. The distressed seller was taken advantage of and put in a worse situation
2. People (like us) who offer a legitimate benefit to help sellers have to work harder to prove we are trustworthy and not out to hurt anyone.

In a perfect world, we shouldn’t have to promise the following because these should be unspoken promises that are expected from a legitimate company. However, I am proud and glad that we can make these promises and so I think it is time to no longer keep them “unspoken”

  • We will return your phone calls and emails and not “disappear” on you.
  • We will communicate & keep you updated on what is going on as we negotiate with your bank
  • We will keep current on Michigan foreclosure laws and keep aware of potential and actual changes (however, we are not attorney’s and you should always consult one if you need legal advice)
  • We will not ask you for any money upfront or during the process (actually we already promise this but this is such a huge problem out there that I thought I would repeat it).

If you are behind on your house payments and facing a Michigan Foreclosure, turn to us to get information, discuss options and define your goals. We are a Michigan-based company that has been helping distressed sellers since 2002 and we are glad to help you. We will not make any “pie in the sky” promises, spoken or unspoken, that we cannot keep. Let us help you get back to better times.

Ann

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Wanting It All? Need A Reality Check?

Wanting It All? Need A Reality Check?

As I was talking to sellers facing a Michigan foreclosure this week, I realized that one of the toughest realizations a distressed seller needs to come to grips with is that they cannot have it all.

Just like you can’t eat everything you want and expect to maintain a healthy weight. Or go out drinking all night and expect to feel like you can run a marathon the next day. In the same way, if you have had a financial hardship which has caused you to get behind on your house payments, you cannot expect to stay in the house for long without the bank taking some action.

People seem surprised when the bank refuses to work with them or begins the Michigan foreclosure process. This is going to happen. After all they are losing money and looking for a solution to their problem. People seem surprised when they call the bank to work something out and they get transferred around, have to wait for long period of times, or even send in paperwork that gets lost. This is a reality of the large financial institution you are dealing with. They have hundreds of thousands of distressed sellers to deal with. It is not going to be like calling to ask your local bank how much money is in your account where you can get an immediate and clear answer (wouldn’t THAT be nice)!

Fortunately, while we cannot help you to “have your cake and eat it too” we can help you navigate the financial maze toward a solution. Give us a call and tell Emily “I need a reality check” and let her help you realize what you can have. You can salvage your credit. You can get a fresh start. You can find a solution without paying any fees or getting yourself into a worse situation. Call Emily and find out how not wanting it all actually brings peace of mind and a fresh start.

Ann

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Totally Awesome Team

Totally Awesome Team

This week we had to make a video for our coaches about our team and business and it made me realize how fortunate we are to have great people working with us. The best part is they are all here waiting to put their talents and experience to work for you. If you haven’t talked to all of them yet, let me introduce them

Holly assists Melissa with all the paperwork and non-negotiation calls to the bank, plus assisting everyone else in our office. When you first come to our office, she will be the friendly person out in front to greet you. She is a “machine” processing all the paperwork we have to collect and submit to lenders so the negotiations can proceed. She does all the behind the scene stuff that is only noticed when she isn’t here to do it.

Emily (aka Mom) is a more visible part of our team taking most of the incoming calls from distressed sellers facing Michigan foreclosures and helping them sort out their options. Emily will tell it to you straight in an empathetic fashion. She has seen her share of hardships in life and is not kidding when she tells you she knows what you are going through. I don’t believe you could find a more understanding person to help you figure out what to do when you are facing foreclosure.

Melissa is the one persistently calling lender after lender, negotiating all of the short sales and settlements. She is the one who sits on the phone, talks to unfriendly customer service people (sometimes who are in a foreign country), takes abuse from unsympathetic lenders and 85% of the time, succeeds in her quest to resolve a sellers situation. Not many people would be willing to dig in their hills and keep picking up the phone time and time again like she does.

Joel solves all the unusual problems that come up along the way. He is also the one out talking to attorneys, title companies, buyer lenders, REALTORS® and the rest of our extended team that help us help distressed sellers. Joel also is our main link to other companies around the nation helping distressed sellers. Joel does not hesitate to ask others for advice if we come up against something new.

Me, well I am dealing with the REALTORS® daily to help get the houses sold. This involves educating them, filling out their paperwork, making suggestions on their marketing and updating them on our progress. If you ever worked with a REALTOR® buying/selling a house, multiply this by about 50 and you will know what my day is like.

All of these people come together daily to help you. We are passionate about what we do and the people we help. If you are facing a Michigan foreclosure, give us a call and let us put our experience and talents to work for you.

Ann

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Why We Go To Short Sale Mastermind Meetings

Why We Go To Short Sale Mastermind Meetings

Joel and I just got back from a meeting with one of our mastermind groups. We belong to several so that we can stay on top of changes in the real estate industry, as well as learn new techniques for negotiating short sales with lenders and ways to improve our processes. All this allows us to better serve our sellers who are facing a Michigan Foreclosure.

This mastermind group consists of people from Georgia to Arizona, Minnesota to Florida who have similar businesses to ours. They all agreed that the banks are willing to negotiate on homeowner’s debt more than ever. All the signs point to the foreclosure problem getting worse before it gets better. Most lenders are adding staff to deal with the volume of houses in default. We came away from this meeting with some valuable new insights and tools to give us more alternatives to help sellers in distress.

I tell you all this to assure you that our team is not just sitting around doing the same thing today that we did a year ago. We are educating ourselves & changing with the environment, refining processes and streamlining to better help the sellers who have hardships and are now facing a Michigan foreclosure. We know you have enough to deal with and don’t have time to stay current on what the lenders are doing and requiring today. To put our knowledge and experience to work for you, give Emily a call now. Remember there is never a fee and everything is kept confidential.

Ann

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Lightning Does the Work

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

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It’s Not A Job, It’s A Passion (My Story of A Michigan Foreclosure)

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

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Quick Office Tour & Team Intro

We just recorded this short tour of our new office and intruction to our team.  Check it out!

Joel

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Introducing Holly!

Hi Everyone! My name is Holly and I just joined the Great Lakes Home Solutions team a little over a week ago. Prior to my time here I worked at a bank for two years and have seen first hand how many people in Michigan are hitting a rough patch right now.

All people are different and therefore their hardships are different as well. Some people are struggling with adjustable rate mortgages – their payments started out reasonable but have increased hundreds of dollars. They might keep up for a few months but soon find that they can no longer make these oppressive payments. Others are having problems stemming from our economic climate. Many people have been laid off, lost jobs, or taken an income cut that they could not have foreseen when they took on their mortgages.

Though the banks and mortgage companies are offering loan modifications, they can be almost impossible to get to get and are often only a temporary solution. While working at the bank I couldn’t help many people with their situations unless they could pay the back mortgage payments they owed, which was almost always unrealistic. Fortunately, now I am on the other side and working with a great team that can help people with a permanent solution to their problems!

I look forward to helping you.

Holly

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