- Name
- Michael Collins- SFR-WI Short Sales/Foreclosures
- Company
- *ROCK REALTY|Broker|Realtor|Real Estate|WI Short Sale Agent*
- E-mail
- Contact *ROCK REALTY|Broker|Realtor|Real Estate|WI Short Sale Agent*
- Website
- http://www.RockRealtyWI.com
- Office Phone
- (877) 774-7625
- Cell Phone
- (608) 921-8536
- Alt. Phone
- (608) 347-4196
- Fax
- 877774ROCK
- Address
- PO Box 1361, Janesville, WI, 53547-1361
- Description
- -Specializing in Short Sales and Buyer Agency. We offer buyers 1% of purchase price as a credit at closing with Agency Agreement. Do you need a short sale|foreclosure specialist? No equity, call us!-
Rock Realty
WORRIED ABOUT FORECLOSURE?
We want you to realize that your situation is not hopeless, regardless of what you might be thinking or may have been told by others. Your lender is not looking for an excuse to foreclose. The truth is most lenders would rather have you keep your home and keep making payments each month. You are not alone. Thousands of people across Wisconsin have similar issues with their mortgages every year.
The most important key to resolving your situation is being proactive. Even if your mortgage payments are just a few months behind, your lender has probably already started foreclosure proceedings against you. Doing nothing is the fast track to foreclosure. Thousands of dollars in penalties and legal fees may be added to your balance due. The longer you wait, the harder it is for us keep foreclosure off of your records. Isn’t that what you want?
WE CAN HELP!
Our first priority is to help homeowners overcome the obstacles that could result in the loss of their home. We specialize in helping homeowners who have fallen behind on their mortgage payments. We’ve helped people in Dane County and Rock County. You deserve a fresh start. If you are facing the possibility of foreclosure and you live in South-Central Wisconsin, we can help you.
Do you qualify for a short sale? How much is your home worth in this market? Contact us to find out. (608)921-8536 or…
What is a Short Sale?
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WHEN MIGHT I CHOOSE A SHORT SALE?
If you are falling behind on mortgage payments, owe more than the house is worth and/or have a second or third mortgage, you want to avoid foreclosure and get a fresh start, you may want a short sale.
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WHAT IS A SHORT SALE?
A "Short Sale" occurs when a Lender agrees to take less than the amount owed to payoff a loan as an alternative to foreclosure. Lenders know that it takes on average $60,000 to take a property back. We can often convince them that they will be better off financially if they sell the property now, to us, rather than taking the home through foreclosure and trying to sell it later.
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HOW LONG WILL IT TAKE?
The Short Sale negotiation process can be a lengthy one. It may take several weeks or a few months to get an approval. Many Lenders have several layers of bureaucracy and processes which we work through in order to get a Short Sale approved.
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WHAT DOES IT COST?
We do not charge for short sales, our fees are covered by the lender.
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WILL I HAVE ENOUGH TIME?
Time is of the essence in this situation, so you should always, at the very least, contact an advisor to find out what your options are and what can still be done. If you are just starting to fall behind, you have other options and may be able to work it out on your own with some advice. If you are a few days away from the sheriff's sale, there may not be enough time. Please call us as soon as you see the issue arise.
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CAN I STAY IN THE HOUSE?
Since lenders no longer allow homeowners to live in their home if it is purchased via short sale, a home owner will need to find alternative housing arrangements.
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HOW DO I KNOW THIS WILL WORK?
There's no way of knowing if the lender will agree to a short sale. However, we are very good at what we do, and can often present a very strong case and convince the lender to agree to the sale.
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WILL I GET ANY MONEY FROM THE SALE?
Typically, no. Since the Lender is taking a loss on your loan, they will not allow any funds to transfer to you. A new program through the government, however, can give you $1,500 at closing for moving costs.
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REALTORS® who have earned the SFR certification know how to help sellers maneuver the complexities of short sales as well as help buyers pursue short sale and foreclosure opportunities. The certification program includes training on how to qualify sellers for short sales, negotiate with lenders, protect buyers, and limit risk.
Visit Short Sale Specialist Network
Testimonials
WHAT CLIENTS HAVE SAID ABOUT ROCK REALTY.
"We are writing this testimonial to inform any potential clients that Michael Collins successfully helped save our home. We found ourselves in a financial hardship which caused us to be late on mortgage payments. This eventually led our lender to foreclose on our home. Michael Collins was able to negotiate with our lender and cancel the court auction. This gave us time to resolve our financial difficulties and eventually work out a payment plan with the bank."
"We both strongly endorse Michael Collins as an agent who has the experience and resources to help people like us in a similar situation. We are deeply gratefull for his efforts and plan to use him as our agent in any future real estate transactions."
Chris & Linda C.(Janesville, WI)
Rock Realty Clients
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"I found myself in a bad financial spot when I lost one of the two jobs I was working. Soon I didn't have the money to pay even my most important bills. After falling behind in payments on my house I was contacted by Rock Realty. They suggested that instead of losing my house through foreclosure I should attempt to do a short sale on my home.
It was easy working with Matthew and Michael from Rock Realty. They were able to keep a foreclosure off of my records and lift a huge weight off of my shoulders. The couple that we sold the home to were very happy to get it at such a cheap price. I would recommend Rock Realty to anyone who may be struggling to make their house payments."
Melvin A.(Madison, WI)
Rock Realty Client
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"I am nothing but honored and enthusiastic to be able to write and highly recommend Mike Collins with Rock Reality for your next real estate adventure. I had a very negative experience with a different major realtor in the Janesville area who rushed me in an out of houses, pressuring me to sign purchase agreements, and caring more about the money then the person and the house that best fit them.
It was just the opposite with Mr. Collins. Mike with Rock Reality is honest, takes the time to find the right home for you without pressure, cares more about doing what is right by his clients and his reputation than just simply making the sale. For Mike, word of mouth is the best advertising he can get and he cherishes keeping his positive.
Mike Collins and Rock Realty were fair and thorough. When it came to signing contracts and paperwork, Mike took the time to go line-by-line to make sure I understood exactly what I was signing. Never did I feel like I was being rushed or taking up time from a different appointment.
With great pleasure and gratitude, I recommend Mike Collins and Rock Reality for your next home hunt or sale.
Ben P.(Janesville, WI)
Rock Realty Client
