- Name
- Michael Collins
- Company
- Rock Realty - Wisconsin Short Sales
- E-mail
- Contact Rock Realty - Wisconsin Short Sales
- Website
- http://www.RockRealtyWI.com
- Office Phone
- (608) 921-8536
- Cell Phone
- (608) 921-8536
- Alt. Phone
- (608) 347-4196
- Fax
- 877774ROCK
- Address
- P.O. Box 2444, Janesville, WI, 53547-2444
- Description
- ***---------We negotiate short sales for home owners. Ask me about our available discounted homes!- We pay referrals!- Do you have a listing that may go to foreclosure? No equity, call us!---------***
Rock Realty
Do you owe more then your home is worth? Falling behind with payments?
Concerned about keeping foreclosure off of your records?
We have helped many Wisconsin home owners out of unfortunate situations.
We're here to help!
WE SPECIALIZE IN WISCONSIN SHORT SALES.
CONTACT INFORMATION:
AQUISITIONS & SALES:
Michael Collins
(608)921-8536
ADVERTISING &
TECHNICAL SUPPORT:
Matthew Heitmann
(608)347-4196
Via fax at (877)774-ROCK
http://www.RockRealtyWI.com
Click on "FRESH START PACKET" for more information!
What is a Short Sale?
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.
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.
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.
WHAT DOES IT COST?
We do not charge for short sales, our fees are covered by the lender.
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.
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.
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.
WILL I GET ANY MONEY FROM THE SALE?
Unfortunately, no. Since the Lender is taking a loss
on your loan, they will not allow any funds to transfer to you. It is viewed as fraud.
HOW CAN I HELP?
The Lender will require us to submit a short sale package which will include some financial
information from you. The short sale cannot actually begin until these are submitted, and time
is of the essence. Visit http://www.RockRealtyWI.com or call us at (608)921-8536 for more details.
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."
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Chris & Linda (Janesville, WI)
Rock Realty Client
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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 Matthew Heitmann from Rock Realty. He 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 Heitmann and Michael Collins 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."
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Melvin (Madison, WI)
Rock Realty Client
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http://www.RockRealtyWI.com
Click on "FRESH START" for more information.
