Today, nearly 1 out of every 6 homeowners in America are behind on mortgage payments. These are tough and frustrating times. Now more than ever, it's important to identify your options. Foreclosure can be avoided, your credit can be saved, and your financial future can be salvaged.

Through my experience handling distressed properties at REMAX Integrity, I've found that homeowners today have more questions than answers about their circumstances.  The idea of losing a home can be overwhelming, and I feel it is vital for you to have all the facts necessary to make an informed decision.  As an agent with the CDPEŽ Designation, I have a strong and unique appreciation of the factors affecting the market, and know that there are options available to you.

As a Certified Distressed Property Expert (CDPE), I have completed extensive training in foreclosure avoidance and short sales. This is invaluable expertise to offer at a time when the area is ravaged by "distressed" homes in the forclosure process.  People often ask me "What is a Short Sale?"  Short sales allow the seller to repay the mortgage at the price that the home sells for, even though it is lower than what is owed on the property.  With declining property values, this can help many people avoid foreclosure.  More and more lenders are willing to consider short sales because they can be much less costly than foreclosures.

If you would like to know more about your options, programs that are available to help such as HAMP and HAFA, and to see if you may be eligible, click here.