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HOMEOWNERS, Don't be taken advantage of! We hear so much about mortgage modifications for homeowners who are having trouble keeping up with their mortgage payments.  There are many scams out there and you really have to be careful!   There are companies out there who will take your money, even if...
Another FANTASTIC Incentive For Home Buyers From Freddie Mac!  Down Payment Assistance and Warranty from Freddie Mac!Freddie Mac's new "Smart Buy" Program can offer a 2 year home warranty on Freddie Mac foreclosures, appliance discounts and help with the home buyer's closing costs as well, up to ...
How can a CDPE ( Certified Distressed Property Expert ) help you when you are facing foreclosure?    In addition to helping people with selling resale properties, I also work with homeowners who are in distress or owe more on thier homes than what they are worth.  As a CDPE, I am a member of an o...
 Do you qualify for a short sale? I have spoken with many homeowners lately, who are either facing foreclosure now or think they may be soon. Many have wondered if they would qualify to do a short sale and if I can try to help them do one to avoid foreclosure. I can definitely try to help a homeo...
So many buyers think the best deals out there are foreclosures and short sales, but they can actually cost MORE! Here are just some of the additional costs you may incur with a bank/distressed sale:   Survey: Approximately 150.-300. (usually a seller cost)   No Tax pro-ration: (usually 105% of th...

Debra Kukulski, Broker Associate

SFR,CDPE;GRI;ABR;e-PRO Realtor, Northern IL
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