We are seeing financial hardships in record numbers.  We are seeing declining property values in record numbers.  And even worse yet, we are seeing homeowners in foreclosure THAT COULD HAVE OR STILL CAN AVOID IT, BUT DO NOT REALIZE IT.

I am passionate about real estate and about helping people.  For that reason, I have embraced saving homeowners from foreclosure, and even facilitating the stoppage or reversal of foreclosure.

Folks ... banks do NOT want to own real estate; they do not want your home.  You need a, Certified Distressed Property Expert (CDPE) that understands how to achieve the full cooperation of the bank to keep you from foreclosure, save your credit, and so much more!

Let's examine just some reasons how us Certified Distressed Property Experts classify our clients as having experienced a financial hardship:

1.   Payment increase or mortgage adjustment
2.   Loss of job
3.   Business failure
4.   Damage to property
5.   Death of a spouse
6.   Death of family members
7.   Severe illness
8.   Inheritance (yes, this CAN be a hardship)
9.   Divorce
10. Separation
11. Relocation
12. Military service
13. Insurance or tax increase
14. Reduced income
15. Too much debt
16. Incarceration

If you or anyone you know have experienced or will be experiencing one or more of the above, and thus the fear or reality of losing a primary residence may be a concern, I want to help.

Did you know that a foreclosured homeowner:

1.  Must disclose on any future mortgage application and many job applications
2.  Will likely experience a 300+ credit score reduction
3.  May find it nearly impossible to have a foreclosure repaired on a credit file
4.  May find that notice of a foreclosure by a CURRENT or potential employer on a credit report can affect current or prospective employment.  In-fact, security clearances and related jobs can be affected, or lost
5.  May be responsible for any shortfalls or deficiency judgements

Including doing a short sale, there are approximately 6 other potential foreclosure avoidance techniques.

Contact Paula (PJ) Johnsen, a Certified Distressed Property Expert, to review your situation and advise you accordingly.  Do not let a foreclosure control your family, your future, or consume your thoughts and concentration.  Call PJ Johnsen today, at 209-217-6217.