I am a Real
Estate Agent Who Specializes in Representing The Sellers in Short Sale
Transaction in Skokie,
Pre Foreclosure, Purchasing Real Estate in Skokie,
Selling Homes in Skokie, Skokie Real Estate Property,
Skokie Residential Real
Estate, Skokie IL Foreclosure and more.
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DON'T LOSE
YOUR HOME TO FORECLOSURE, Avoid Foreclosure! I CAN HELP YOU!
As a Licensed Real Estate Broker with 20 years of experience
Certified Distressed Property Expert
Certified Loan Originator
I can give you the expertise necessary to save your credit, relieve the
uncertainty and most of all, help
your family. Don't Wait Until It's Too
Late!
Foreclosure
is NOT the only option!
Contact me,
Regina Zak Tomas, and let's get started towards the path of recovery. |
If you want
to avoid foreclosure and keep your home, your first step is to call your
lender! If you are
having difficulty paying your mortgage on time, it's
important to act now before things get so bad that you
are facing foreclosure. In
a situation where you want to sell your house, but it is at risk for
foreclosure,
your best option is short sale.
Skokie
Avoid Foreclosure, Short Sale in Skokie, Skokie Short Sale Expert, Skokie Short
Sales
Realtor, Skokie Townhouses, Skokie Foreclosure, Stop Foreclosures in
Skokie, Short Sale Condo in
Skokie, Homes for Short Sale In Skokie. Condos for
Sale in Skokie
|
My name
is Regina Zak Tomas. I am a Licensed Real Estate
Broker with over 20 years of experience, Certified Loan
Originator, Certified Distressed Property Expert - Short Sale
Specialist. A full time agent since 1990, I know the Chicagoland area well
and have a wide knowledge of Northern Illinois. A large part of my business is
based on referrals, from many satisfied past clients. As your real
estate agent, I will work hard for you, and only you, whether you are
buying or selling, regular sale or short sales. I take your home purchase
very seriously and will not let you down. I am available anytime to my clients
by phone, email, or in person, 7 days a week, including holidays. Don't
hesitate to give me a call or email me for any information you might need for
your real estate. |
WHY IS IT WORTH IT TO WORK WITH ME?
 1. I have over 20 years of experience working full
time as a Real Estate Broker.
2. I am a Licensed Real Estate Broker.
3. I am a Certified Loan Originator.
4. I am a Certified Distressed Property Expert.
5. I work with the best law firms in area.
6. I finished Law School at the University of
Warsaw, which enhanced my negotiation skills with the law firms, and real
estate agents, and results in successful transactions.
7. I am available any time, almost 24/7.
8. I know that the online marketing is key to
real estate success. You can see my website on many front pages like Google,
Yahoo, etc. In addition, I advertise listings in various websites like Craigslist,Oodle, HotPads, Zillow, Backpage,Vast, etc.
9. I am the Top Agent Broker, with many satisfied
clients!
10. My Website is on the front of many sites,
including:
Top Agent America's Most Popular Realtors Online.
Why not to work with the best?
11. I do not use other agents, teams, or
assistants. Each of my clients is treated personally and with professional
care, which combined with over 20 years of experience and collected
certificates, causes former clients to eagerly return to me for business and to
recommend me to their friends.
Illinois Real Estate ☚ Top
Real Estate Agent in US
Facing
Foreclosure? Don't Like Your House? Consider a Short Sale!
Regina Zak Tomas,
Short Sale Specialist in Skokie Illinois!
A short
sale is a way to avoid foreclosure! It's very common in today's depressed real
estate market for
home sellers to receive offers that are less than the amount
owed to the lender. A short sale is when a
bank is willing to sell for less
than what is owed.
In Real
Estate, a Short Sale - What is it?
A Short Sale is when a lender agrees to receive less than the original amount
owed on the property, via
negotiations, to be able to release the lien.
The Short Sale Process
The first step is to find out if a short sale is an available option for you
Then the property is put into the market, and the Hardship Package is given to
the lender.
When an offer is received it is submitted to the lender. If the lender approves
the offer, the file moves to
closing
The Seller's Benefits, The Buyer's Benefits
The homeowner can eliminate their mortgage debts without financing repairs for
the purpose of the selling
the property
The lender pays for commissions and closing costs.
The seller's credit report is not negatively affected by a foreclosure
Bankruptcy can be prevented.
The homeowner can stay on the property until the procedure is finished.
Buyers can buy property that has a below-market price. Also, the short sale
properties are usually in better
shape than foreclosure properties (don't need
as many repairs).
Work with a Real Estate Agent, Broker
A short sale has the potential to become very complicated. Lenders
prefer to deal with a Realtor instead of with the buyer. As a real estate
agent, I am very persistent and patient with the short sale, using my abundant
amount of experience to make the process as smooth as possible.
There is no cost for professional
representation! The lender covers the costs of the real estate commission. Make
sure a qualified real estate professional is representing you!
Make sure a qualified real estate professional
is representing you!
A short sale is not a
regular transaction, and hiring an inexperienced Realtor you are risking
foreclosure. Do not make this mistake.
I don't charge any fees for short sale listing
and service! In a successful short sale your bank pays for the realtor
commission, attorney fees, title company fee, and any other closing
costs.
Simply list and sell your short sale property for free!
But I'm not only a short sale specialist. I also
work as a listing real estate agent, Realtor who works with many types of
transactions. So don't hesitate to call me for any questions you have.
VIEW MY LISTINGS Here
are some great properties that I would like to bring to your attention. Please
see these select homes offered by me for sale.
SHORT SALE
VS. FORECLOSURE
Current or Future Employment
Foreclosure; Employers have the right and are actively checking the credit
regularly of all employees who are in sensitive positions. A foreclosure in
many cases is ground for immediate reassignment or termination. Many employers
are requiring credit checks on all job applicants. A foreclosure is one of the
most detrimental credit items an applicant can have and in most cases will
challenge employment.
Short sale: A short sale is not reported on a credit report and is therefore
not a challenge to employment.
Deficiency Judgment
Foreclosure: In 100% of foreclosure (except in those states where there is no
deficiency) the bank has the right to pursue a deficiency judgment.
Short sale: In some successful short sales it is possible to convince the
lender to give up the right to pursue a deficiency judgment against the
homeowner.
Deficiency Judgment (amount)
Foreclosure: In a foreclosure the home will have to go through an REO process
if it does not sell at auction. In most cases this will result in a lower sales
price and longer time to sell in a declining market. This will result in a
higher possible deficiency judgment.
Short sale: In a property managed short sale the home is sold at a price that
should be close to market value and in almost all cases will be better than an
REO sale resulting in a lower deficiency.
Future Loan with any Mortgage Company
Foreclosure: On any future 1003 application, a prospective borrower will have
to answer YES to question C in Section 7 of the standard 1003 that asks
"Have you had property foreclosed upon or given title or deed in lieu
thereof in the last 7 years?" this will affect future rates.
Short sale: There is no similar declaration or question regarding a short sale.
Credit Score
Foreclosure: Your score may be lowered anywhere from 250 to over 300 points,
typically affecting your score for over 3 years.
Successful short sale: Only late payments on mortgage will show and after sale
mortgage will be reported as paid or negotiated. This will lower the score as
little as 50 points if all other payments are being made. A short sale's effect
can be a brief as 12 to 18 months.
Credit History
Foreclosure will remain as a public record on a person's credit history for 10
years or more.
Successful short sale is not reported on credit history. There is no specific
reporting item for 'short sale'. The loan is typically reported 'paid in full,
settled, paid as agreed'.
 
Short Sale,
Skokie Illinois
 Priced to
sell!!! Award winning school district 73.5. Just minutes from Edens x-way
and Lincolnwood mall.
Spacious 3 bds, 2.1 bath, duplexed condo. Main
level- 3 bds, 1.1 bath, eat-in kit, hardwood floor under
carpet -
first fl. Lower level- private entrance!!! Huge recreation room, full
bath, washer & dryer in utility
room. The best value in the area. Skokie
Short Sale , sold as-is.
Main Features
 A great
opportunity!!! Totally updated brick ranch features 3 bedrooms, 2 baths.
Beautiful hardwood floors,
kitchen has breakfast bar and newer appliances,
gorgeous granite & tile bath w/whirlpool, finished
basement has side
entrance, family room, laundry/summer kitchen, full bath, plenty of storage,
deck, 2 car
garage plus extra parking space for 2 cars. A must see!!! Short
Sale!! Sold
 Condo Short
Sale - Skokie. Skokie Downtown, Close To Lorel Park. Cover Parking Space!
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material from: http://en.wikipedia.org
Skokie Coordinates: 42°02′00″N
-87°44′34″E / 42.0333333°N
86.25722°W / 42.0333333; -86.25722 is a
village in Cook County, Illinois, United
States. Its name comes from a Native American term for
"fire". A
Chicago suburb, for many years Skokie promoted itself as "The
World's Largest Village". Its population,
per the 2000 census, was 63,348. Sharing a border
with the City of Chicago, Skokie's streets, like that of
many suburbs, are
largely a continuation of the Chicago street grid, and it is serviced by the Chicago
Transit Authority, further
cementing its connection to the city.
Historically,
Skokie has a demographic that differs from most suburbs of Chicago. Most
famously, Skokie
has been home to a large Jewish population,
particularly after World War II, and it is the only suburb of
Chicago
with more Jewish schools than Catholic schools. While in recent years Skokie's
population has
become significantly more diverse, it nonetheless was considered
the logical location for the Illinois
Holocaust
Museum and Education Center when it opened in northwest Skokie in 2009.
Skokie has
garnered national attention at least twice for court cases that have been
decided by the
United States Supreme Court. In the
mid-1970s, the Village got embroiled with the National Socialist
Party of America
(a neo-Nazi
group) in a case addressing the First Amendment right to assemble, a case
which ultimately the
Village lost. Also, in 2001, although Skokie was not a direct party to the
case, a
decision by the Village regarding land use led to a decision by the Court
which reduced the power of the
United States
Environmental Protection Agency.
material from: http://en.wikipedia.org/wiki/Skokie,_Illinois |
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material from: http://www.americantowns.com
HOUSEHOLD
CHARACTERISTICS
Household Population in Skokie, IL
The household population number in Skokie was 62,209.
Group Quarters Population in Skokie, IL
Group Quarters population in the community was 1,139.
Average Household Size in Skokie, IL
The average household size in Skokie is 2.68 (The average household size in the
United States is 2.59).
Average Family Size
The average family size in the community is 3.2 (The average family size in the
United States is 3.14).
HOUSING
Total Housing Units in Skokie, IL
At the time of the last census survey, there were 23,702 total housing units in
Skokie.
The number of occupied housing units was 23,223, or 98 of the total units in
town. Of these, 17,472
were owner-occupied (75.2), and 5,751 were
renter-occupied (24.8, compared to the national average of
33.80%). There were
also 479 vacant homes in Skokie at the time of the last complete survey.
Median Home Values in Skokie, Illinois
The total number of single family, owner occupied homes in the community was
13,835, with a median
value in dollars of 217,500.
Monthly Owner Costs in Skokie, IL
For homes with a mortgage, average monthly owner costs were $1,556 (national
average was $1,088).
For homes without a mortgage in Skokie, average costs per
month were $458 (national average was
$295).
EDUCATION
High School Graduate or higher
At the time of the last survey, 38,697 people in the community had a high
school degree, or 87.4 of the
population (compared to the national average of
80.40%).
Bachelor's Degree or Higher in Skokie, Illinois
18,851 people in Skokie also had a Bachelor’s degree or higher, which represented
42.6 of the total
population (National average was 24.40%).
MISCELLANEOUS
Civilian Veterans in Skokie, IL
The number of Civilian Veterans in Skokie was 4,405, or 9 percent of the total
population (National
average is 12.70%).
Disability Status in Skokie, IL
In 2000, there were 10,870 people in Skokie, IL listed as disabled.
Foreign Born in Skokie, IL
At the time of the last complete survey, there were 27,183 people in Skokie who
spoke a language other
than English at home. This represented 45.2 of the total
population, compared to the national average of
17.90%.
LABOR
STATISTICS
Percentage In Labor Force in Skokie, Illinois
There were 31,345 in the labor force in Skokie at the time of the last complete
survey. This represented
61.8 of the total population, compared to the national
average of 63.90%. Mean Travel Time to Work in
minutes
From the most recent complete survey, the average commute time to work for
local residents in Skokie
was 28.7 minutes, compared to the national average of
25.5 minutes.
Median Household Income in Skokie, IL
The median household income in the community at the time of the last survey was
$57,375. The median
household income in the U.S. was $41,994.
Median Family Income in Skokie, IL
In the last complete census survey, the median family income in the community
was $68,253. Median
family income in the U.S. was 50,046.
Per Capita Income in Skokie, Illinois
Per capita income in Skokie in the last full census was 27,136. Per capita
income in the U.S. was 21,587.
Families below poverty level
According to the most recent survey,families living below the poverty line in
Skokie numbered 710, or 4.2
percent of the population. The percentage of
families in America living below the poverty line was 9.20%.
Individuals below the poverty level in Skokie, IL
Individuals living below the poverty line in the community was 3,380, or 5.4
percent . The percentage of
individuals living beneath the poverty level in the
country was 12.40%.
material from: http://www.americantowns.com/il/skokie-information#information |
If
you have any questions, don't hesitate to contact me! Because sometimes
emails don't go through, so it might
be better to call me at
773-520-1522.
REGINA ZAK TOMAS, Re/Max City
Skokie
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Public Library Home Page
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Foreclosures, SKOKIE, Skokie Short Sales, Skokie Short Sale Specialist,
Foreclosures In Skokie, In Cook County- Skokie Avoid Foreclosure, Condos
For Sale In Skokie, Cook County Short Sale, Pre Foreclosure In Skokie, Short
Sale In Skokie. I Can Offer Help With Foreclosures In Skokie, Save Your Home
From Foreclosure In Skokie, Skokie Townhouses, Help With Short Sale - Skokie,
Stop Foreclosure, Services In Avoiding Foreclosure In Skokie. Short Sale In
Skokie IL.
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