Amazing Dog Changes TV Channels

Amazing Dog Changes TV Channels

My husband was watching a football game the other day when our dog walked in and stepped on the remote. We aren’t sure what buttons she stepped on because she not only changed the channel but also managed to turned off some components. It took my husband a good 5-10 minutes to figure out how to get the right things turned back on to resume the game.

As I watched this struggle, I saw a parallel with life. Read more…

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Big Changes in 2011?

Big Changes in 2011?

A new year is upon us and many people are making resolutions to change things and improve their life: stick to that diet, exercise more, save for retirement, spend more time with family, and friends and the list goes on. Here at Great Lakes Home Solutions, our resolution is to keep doing the same thing we have been doing successfully for 6 years. Namely, to provide solutions to families facing foreclosure throughout Michigan in a timely and respectful manner.

We continue to promise you 4 things:

  • 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.

When We Are On Your Side…. Read more…

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The Most Wonderful Time of the Year

The Most Wonderful Time of the Year

“It’s the most wonderful time of the year….” begins a popular Christmas carol. However, we know that if you are facing a Michigan foreclosure, it may not feel like a wonderful time of the year. When you are about to lose your house, the last thing you probably want to do is “Deck the Halls with boughs of holly” or go “Walking in a Winter Wonderland”. You probably wish that as Jolly Ole Saint Nicholas is “..making his list and checking it twice..” he would bring you a solution to the problems you are facing. The good news is he has, Read more…

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Hey, What’s The Deal With You Guys?

Hey, What’s The Deal With You Guys?

Many times when I answer the phone, the first thing I hear is “What kind of company is this”. I explain that our mission is to provide solutions to families facing foreclosure throughout Michigan in a timely and respectful manner. We do this by walking people through a few steps.

  1. What are your goals? Are you trying to keep the house or realize this is no longer feasible and just want to get out from under the debt?
  2. What has happened to get you to this point? Chances are if you are facing a Michigan foreclosure, some sort of hardship (job loss, divorce, disability, etc) has occurred. Is it over or will it be over soon? The more information we have on where you are at, the better we can help you figure out how to move forward.
  3. What are your options? People are often confused about their options. The confusion can come from not knowing the options. This is where we help by providing education and information. Confusion can also come from not clearly defining your goals (see step one). Once you are clear on your goals and have the right information, the options are clearer too.

Navigating through a Michigan foreclosure can be like trying to get somewhere you have never been without a map. To get to a new destination, you have to figure out where you want to go (your goal), where you are starting at and your options for getting to your destination or goal. We can help provide that road map. We do this while keeping all your information confidential, without putting you in a worse situation and working harder than anyone to help you. (That’s the timely and respectful part of our mission statement.) Give us a call today and find out first- hand what kind of company we are and let us help you get back to better times. I think you will be glad you called!

Ann

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More Reasons To Be Thankful – Join Them Soon!

More Reasons To Be Thankful – Join Them Soon!
During this season of giving thanks, we wanted to share with you some reasons folks who were (past tense) facing a Michigan Foreclosure are thankful. Give us a call today and join their ranks! Want to read more testimonials from thankful sellers? Try here on this blog and also here.


Thank you, Joel, and all of your hardworking staff &efforts on my behalf. Your staff has been compassionate and understanding as I went through this heart wrenching and difficult time. I struggled financially and emotionally to the point where I could see no end. The light in the tunnel was turned on by you and your staff as you worked to resolve with my lenders. Due to the economic difficulties our country is in, my forced retirement could not have come at a worse time adding to the struggle. Again, you have provided me the ability to move on with the negotiated amount of debt wiped out of about $150,000 and the peace of mind. A thank you seems so small.

Jennifer, Fowlerville, Michigan


It was very nice to have someone else handle the phone calls and negotiations with the banks. Thanks to Great Lakes Home Solutions for their help during this stressful time.

David and Kelly, Battle Creek, Michigan


GLHS was very helpful during the entire process. The team was great to work with and the communication was incredible. GLHS made a not so pleasant situation easy to handle. Thank you for all you have done.

Spring, Grand Rapids, Michigan


Great lakes Home Solutions has taken a great weight ($230,000) off myself and my wife’s shoulders. They are very professional and courteous to us always. There was no work or effort on our part as Great Lakes took care of everything. God bless and thank you very much.

Doug and Wilma, Dowling, Michigan


Due to our large cut in income and the housing market taking a huge plunge we could no longer afford our home. We owed way more than we could sell our house for and became very uneasy. We talked to Great Lakes Home Solutions and they made us feel very comfortable and confident they could help us. They took away all of the negotiations with the mortgage company so we didn’t have to deal with it. They were able to reduce our mortgage debt from 264k down to 129k and in the end we didn’t have to pay a dime. We are very thankful we found Great Lakes Home Solutions as they made the whole process very easy for us. Thank you.

Cliff and Dinah, Climax, Michigan

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A Thanksgiving Blog

A Thanksgiving Blog

I think we are all familiar with the story about the first Thanksgiving – how about 400 years ago, the pilgrims were forced out of their European homes by religious persecution and came to the “new world” where the Native Americans helped them to learn the ropes about surviving in this strange world. Survive they did, and a year after they arrived they had a bountiful harvest.  They celebrated their good fortune with the first Thanksgiving dinner to give thanks for all the good that had come to them.

If you are facing a Michigan foreclosure, hopefully you will find some inspiration in this story this Thanksgiving holiday.  Like the pilgrims, your home is being threatened and you may feel like you have nowhere to turn for help.  Fortunately, you don’t have to sail half way across the world to find help.  We are right here in Michigan, only a phone call away.  We have been helping families “learn the ropes” of the Michigan foreclosure and short sale processes for more than 5 years.  We will charge you no fees and will work harder than anyone to help you.

I realize that someone facing a Michigan foreclosure may feel like they have nothing to be thankful for or to celebrate this Thanksgiving.  After all, there obviously has been a hardship in your recent past that is probably putting a damper on festivities.  Our Thanksgiving wish for you is that you have the courage to face your hardship, find solutions and take action just like the Pilgrims did a long time ago.  In a year, you too can be celebrating the return of better days.  We can help you do that (only if you call us before it’s too late), and that indeed is a reason to be thankful.  Happy Thanksgiving!!

Ann

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Tips to Sell from the Media – Really? Let’s Get Real!

Tips to Sell from the Media – Really? Let’s Get Real!

I recently read an online article listing some of the reasons people cannot sell their houses and providing some suggestions to that end. Here are a few examples:

  • You haven’t picked the right REALTOR®.
  • You need to get an appraisal so that you’ll know what a buyer’s lender will approve.
  • You need to get comparative list prices (or “comps”) which include foreclosure listings so you know at what price houses are actually selling in your neighborhood.
  • The house needs to be attractive and have “curb appeal”.
  • The house needs to be “staged”. This means you would hire someone to analyze and address any cosmetic or décor problems that are preventing your house from being aesthetically pleasing to potential buyers.
  • You need to make sure the house doesn’t need any work.

Now, many of these tips are good and useful. You want to have an agent who is reputable and dedicated. As for the appraisal and “comp” tips, I could not agree more; a house is only worth what someone is willing to pay for it, regardless of debt or perceived sentimental value. And, of course someone is more likely to offer on a house that is attractive and to pass on one that is not. Again, these are good ideas, but more than half of them require spending money, and who in this economy has the hundreds, if not thousands of dollars to spend on these recommendations?

My point is that although I agree with the thoughts and intentions in this list, for many families here in Michigan, needing a short sale to avoid a foreclosure, these suggestions are simply not feasible or affordable. If you are struggling to sell your house, call us – we’ll see what sort of practical solution we can help you find.

Melissa

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All in a Day’s Work – Many Michigan Sellers Want Short Sales

All in a Day’s Work – Many Michigan Sellers Want Short Sales

Let me tell you about some calls I took yesterday to show you what goes on around here in a typical day.

Colin called (not his real name). He had talked to us back in May when he was already several months behind on his house payment. At that time, he wanted to do a work out and try to save his house and he was going to work with another company. However, he was unsuccessful because the financial hardship he had experienced (cut back in hours at work) was not over and the bank would not work with him – he simply needed a payment far less than what was possible. Now, he has been notified that he is facing a Michigan Foreclosure and he wants to do something to at least save his credit, since he is not able to save the house. Fortunately for Colin, we should be able to help him with that by writing an offer to purchase it right away and negotiating the short sale without charging him.

Patty called (not her real name). She missed several months of work due to a disability and got behind on the house payment. Now she is back to work and able to make the house payment again. The lender is willing to work with her and reinstate her loan if she can come up with several thousand dollars to bring the loan current. She called looking for advice on how to find the money if a relative is not able to help. I referred her to Kalamazoo Neighborhood Housing Services (read about them here)  since her situation is something they are better equipped to handle than we are. She was grateful for the referral.

Jason called (not his real name). He owns a business and business has been bad for many, many months forcing him to live on his savings. His savings is almost depleted and he is now several months behind on his house payment and facing a Michigan foreclosure. Jason was very anxious about the letters he has been receiving from his lender’s attorneys. I was able to explain to him what is happening and what to expect going forward with the foreclosure process. I explained to him about the Michigan redemption period and his options before and after the Sheriff auction. I even arranged to send a REALTOR® over to his house (one that specializes in distressed properties) to give him an accurate value of what the house is worth (since he doesn’t know the value in today’s market). Jason has some decisions to make on what he wants to do and now he has the information to make informed decisions. I could hear the relief in his voice as we hung up.

From my perspective, yesterday wasn’t so unusual, as we have been helping Michigan homeowners like Colin, Patty & Jason daily for 5 years now. It sounded like yesterday was unusual for Colin, Patty & Jason because they finally got some answers and direction. From their feedback and feedback I get from others, apparently there aren’t a lot of companies/people out there willing to listen and take the time to educate and discuss options with homeowners facing a Michigan foreclosure. That is why we are here, to help. We will never ask for any money and we keep all information confidential. Give us a call today and see how we can help you. Come on, make our day (and yours too)!

Ann

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How To Get The House Market To Work For You vs. Against You

How To Get The House Market To Work For You vs. Against You

Some of you may have read or heard on the news about the investigations into the foreclosure processes of several of the largest mortgage servicers. The investigators are looking into the validity and accuracy of the foreclosures that have taken place over the last few months and years. Apparently, there are suspicions that shortcuts were taken by the servicers that had millions of defaulted loans. The problem is that the servicers were unprepared for the volume of defaulted loans to deal with, and they were scrambling to address the defaults in bulk instead of reviewing each situation individually. Due to the investigation, some of the servicers have halted any further foreclosure proceedings (many of these have started the proceedings back up).

What does that mean for you? Well, if you are currently in default, it could mean you will be able to stay in the house for a little longer. But for sellers who need to sell now or who will need to sell in the next few years, it could be bad news.

The result of servicers’ decision to suspend foreclosures will simply delay the inevitable. These foreclosures will happen eventually, and the distressed properties will need to be sold. This action is just keeping distressed houses on the market longer. So, if all these houses were on the market in a smaller amount of time, prices would be extraordinarily low, but for less time. It’s essentially just biting the bullet and getting this price decline over more quickly. Maybe in this scenario, we could see price increases in the next two years; whereas with the current developments, it could be five or six years before the market picks back up.

If you’re a victim of the current declining market or foresee difficulties in selling your house in the near future, give us a call today. We’ll see how we can help you make the market work for you instead of against you.

Melissa

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We Promise!

We Promise!

It’s been a while since I read a newspaper. When I scanned the headlines this week, the news was less than uplifting. The Federal program meant to help families in foreclosure is failing. The economy is not improving and in fact the poverty level in Michigan is the highest it has been in 16 years.

If you are tired of reading only the gloomy stuff, here is something positive to read. If you are having a financial hardship and facing a Michigan foreclosure, this is our Four Point Promise to you:

  • 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.

Give us a call to get your questions answered, to explore options and gather information about Michigan foreclosures. Let us help you focus on what can be done to fix the situation instead of all the negative that led up to the situation. We are waiting to hear from you so we can put our promises to work for you!

Ann

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