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Wendy Valko

Cell: (248) 762-5290
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Foreclosures in Milford Michigan | Short Sales in Milford Michigan

And Surrounding Areas

  

Buying &/or Selling 

 

                                        +                          = RESULTS

 

                                                                                                                                                                                                            

Foreclosure is not the answer to the Real Estate crisis looming throughout our State of Michigan andshould be viewed as a last resort after everything else has been explored.  Many Michigan families are fearful of their situations and do not realize that there are positive steps that can be taken to avoid foreclosure.

 


  

Options for Homeowners:

 

 

Fannie Mae's Newest Website for guideance   Click here


Programs Designed to Assist in "Avoiding Foreclosure"

  

HAMP (Home Affordability Modification Program)    

HARP - A(Home Affordability Refinance Porgram) Assist those that want to refinance but can not because their home will not aprraise at the needed value.

Click here to read more on HAMP & HARP


HAFA - Home Alternative to Foreclosure Assistance, Compliments HAMP
Excludes all Fannie Mae and Freddie Mac Loans
April 5, 2010 and will end on Monday, December 31, 2012 and Homeowner Must qualify and follow guidelines. 
Lender will give a full release and reconveyance of the loan and no deficiency judgment will be institutedIn addition, homeowner may be granted monies at closing to used towards their moving expenses.  Click here to read more about HAFA

Click here to Read More on "The Mortgage Forgiveness Debt Relief Act and Debt Cancellation"

Your are not alone!
Click here to see how Wendy can say this   
 

                                                                          Click The Button for Short Sale Help

I (Wendy Valko), Certified as a Distressed Property Expert (CDPE) along with Certified Short Sale & Foreclosure Resource (SFR) view these designations as both a responsilitity and obligation to my profession and commitment to help financially distressed homeowners.  My focus with homeowners facing foreclosure is to give the hope of a dignified solution to their financial crises showing homeowners their options through current lender loan modification, loan refinancing (short or long-term) or a short sale (a lender-approved sale at less than the outstanding loan balance).

 

Over 85% of the clients served by CDPE real estate professionals avoid foreclosure. Alex Charfen, founder of the Distressed Property Institute, believes that homeowners surrounded by a strong CDPE real estate agent team including legal and financial referrals have the greatest chance of avoiding foreclosure and at minimal financial investment to the homeowner.

What is a Short Sale?

A short sale occurs when a property is sold by the homeowner and the mortgage lender agrees to accept a discounted payoff.

This means that the lender will agree to release the mortgage on the property, for a final payment amount which is less that the actual balance that is owed by the homeowner

Are you a good candidate for a Short Sale?

Are you enduring a financial or severe medical hardship that makes it impossible for you to pay the mortgage payments that you have agreed to and will have the inability to make the agreed payments continue for the foreseeable future?

My commitment to help save homeowners from foreclosure occurred after participating in several short sales and bank owned transactions. Witnessing the helplessness, sense of being alone and guilt felt by homeowners facing foreclosure compelled me to act as a homeowner advocate, lending a helping hand of expertise and compassion. With life experience, commitment to education, strong marketing systems development and checklists, combined with my knowledge of the pre-foreclosure process has given my clients an advantage in the current epidemic of foreclosures.

Not having a clear understanding of the elements and consequences of foreclosure lead many homeowners to just give up.  I may not be able to save every house, but can offer a helping hand to every financially distressed homeowner.

IMPORTANT NOTICE: Wendy Valko (and RE/MAX Platinum) are not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit.

 

Homeowners considering a Short Sale (pre-foreclosure) must meet certain criteria, I (Wendy Valko), will take the time needed to fully discuss the options & process for your particular situation.

  

Contact Wendy by calling 248-762-5290 or  Click Here to send an Email now


 

 
 
 

The Short Sale Transaction Process:  - Buyer's

Purchases of Short Sales that are under the HAFA Plan are pre-qualified and streamlined, therefore giving a much faster response time to the offer.

Whether it be a Foreclosure or Short Sale  we will be dealing with a corporation.  Depending what corporation is involved, determines the specific steps and sequence required to obtain our goal.

 Buyer's looking to purchase either a Short Sale or a Foreclosure must understand that the process to which the transaction flows has many variables.

 

Contact Wendy by calling 248-762-5290 or  Click Here to send an Email now

 


 

           

                                          Wendy Valko    +        =    RESULTS           

For a no obligation, confidential conversation regarding your real estate questions, contact Wendy Valko at 248-762-5290 or at WendyValko@gmail.net

Professionally Servicing but not limited to:

 Oakland, Livingston, Genesee, Wayne & Washtenaw Counties

  

Wendy Valko is a licensed Real Estate Agent that has elected to partner with RE/MAX International and RE/MAX Platinum.  RE/MAX Platinum consists of four physical branches; Fenton mi, Hartland mi, Brighton mi, & Ann Arbor mi.  Along with full access to each physical location, Wendy has a home based office in Milford MI, virtual office and  mobile.  All this allowing Wendy to professionally specialize in but not limit herself to Milford mi, Highland mi, Commerce Twp mi, Hartland mi, Brighton mi and Howell Michigan. 

 

 

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