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I am a real estate agent, short sale expert who specializes in Chicago Short Sale Homes, Illinois Short Sale, Short Sales in Chicago, Chicago Suburbs, Chicago Real Estate Property, Residential Real Estate, Purchasing Real Estate, Refinancing, Pre Foreclosure (Stop and Avoid Foreclosure) and more.
Professional real estate services for buyers and sellers
Federal Housing Administration allow first-time home buyers to use the $8,000 tax credit as a down payment. You're considered a first-time homebuyer if you have not owned a home for three of the last five years.
Will the $8,000 First-Time Home Buyer Tax Credit Expand to $15,000?
Chicago Short Sale, Illinois Short Sales
Chicago and Suburbs Real Estate; Cook, DuPage, Lake, McHenry, Kane County - free property search engine brought to you by real estate agent Regina Zak Tomas
By signing up with the Property Research Center, you have access to features that will help you find and organize the listings that best fit your needs.
Chicago Real Estate Agent, Regina Zak Tomas RE/MAX agent can find you an Illinois Property or any property in the Chicago real estate area, including Northwest and Northern Suburbs of Chicago.
Looking for MLS & Short Sale Listings? RE/MAX Northern Illinois real estate agents lead the industry in experience, professional expertise and production. Whether you need a Chicago real estate agent, a Naperville real estate agent, an Aurora real estate agent, or a Rockford real estate agent,with RE/MAX Northern Illinois you can expect exceptional customer service to both buyers and sellers.
Real Estate Agent Why you should use a real estate agent?
Biuro Posrednictwa Obrotu Nieruchomosciami w Chicago i Okolicach. Chicago Short Sale Po Polsku, Polski Agent, Kupno Domu, Sprzedaz domu, Nieruchomosci w Chicago, Domy w Chicago, Pozyczki. 
Buying a home again? Things have changed.
Much has changed in the world of real estate in recent years. The influence of Internet technologies has given buyers and sellers new ways to come together. If you’ve been through the home buying process before, it’s more important than ever to pick the right real estate professional.
In the present real estate market, you want an agent who will use the Internet to your advantage. As an action-oriented real estate agent, I fully understand how today’s technology can help you find the right home. My website allows you to search thousands of listings to locate the properties that best fit your needs. It’s a great tool for home buying, and free to use.
Call me today and we can discuss what you’re looking for in a home, and where to begin. I look forward to helping you.
If you’re considering buying or selling a home, selecting a real estate agent is the first important decision you will have to make. While there are many qualified real estate agents out there, it’s important to decide on a professional who will understand your needs and individual preferences, someone who you can respect and trust. Nearly four out of five homebuyers and sellers enlist in the help of a real estate professional or broker.Whether you’re looking to buy a new home or sell the one you’re in, choosing a professional who best fits your needs is vital.
Selecting a Real Estate Agent
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!
FORECLOSURE VS. SHORT SALE
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: 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'.
REO - definition of REO - Real Estate Owned. Property which is in the possession of a lender as a result of foreclosure or forfeiture.
Foreclosure - definition of foreclosure - The legal process by which an owner's right to a property is terminated, usually due to default.
Definition: BPOs are often associated with foreclosures and short sales. A BPO, or broker price opinion, is a broker's opinion of the value of a property in the current market.
What to do if your home won’t sell Consider lowering price
Pricing, property condition more important to today's buyers Selling in this market is not easy. But, sellers who understand the market can do well selling today. They must be realistic about what they need to do to prepare their home for sale. Sellers also must be committed to the process. There is no margin for error when it comes to pricing. If you can't bring yourself to price to sell, you're not a committed home seller.
Simple tips for making your home more energy efficient
Owners-Conserving Energy
Chicago Real Estate Agent, Short Sale in Chicago, Foreclosure
Short Sale in Countryside
Absolutely gorgeous 2 bedrooms condominium in popular Edgewood Valley complex. From the moment you enter....beautiful, open kitchen, dining rm w/sliding door to large balcony with view on open, green area.., plenty of closets, central a/c, elevator in bldg. Low assessment fee incl: common ins. pool, clubhouse, tennis courts, parking and more. Great location. Bring all offers!!
Mount Prospect Real Estate
The largest and the most beautiful unit in central village complex. Totally upgraded: new ceramic tiles in bath and kitchen, new pergo floor in living room, gorgeous open kitchen, newer appliances, large balcony w/view on mature trees....excellent location: close to downtown area, metra, stores. Complex - for people 55 and older, investors friendly. Bring all offers!!!!
Schiller Park Real Estate. Unbelievable Deal for 6 Units Brick and Stone Building! Great Bargain for the Investor to Live In or Condo Conversion.
Short Sale, Park Ridge Real Estate. Nothing but the best.... Beautiful, spacious, sun filled 2 bedroom and 1.5 bath condo in excellent location. Walk to metra, community center, library, schools, uptown Park Ridge! VIRTUAL TOUR Under Contract
Personal Assistance With Regina
If you have any questions about moving to a good school district or moving because you want your children to go to better schools, please go ahead and call me or email me.We can discuss which area is best for you children.
Chicago school reports School report
Find a RE/MAX Northern Illinois Real Estate Agent
When it comes to choosing and working with your real estate agent, consumers who do their homework can save thousands of dollars and experience a smooth financial and physical transition. So don't waste time and resources - decide what's most important to you, and then find a professional real estate agent. Are you buying or selling a loft? A condo? A rural property? Raw land? An investment property? Short sale? Pre Foreclosures? Foreclosure? Perhaps cost is your main concern. Or timing. Whatever you decide, please contact Regina at (773) 520-1522 - Chicago Top Agent, Broker.
Chicago Real Estate
Cook County Treasurer's Office
Bank Foreclosed Properties. A HUD home is a 1 to 4 unit residential property acquired by HUD as a result of a foreclosure action on an FHA-insured mortgage.
Real Estate Foreclosure Listings
IRS Tax Auction
Free credit report This site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
Chicago Agent For the well-informed real estate professional.
Chicago N NW Suburbs: Arlington Heights, Des Plaines, Elmwood Park, Glenview, Harwood Heights, Morton Grove, Mount Prospect, Niles, Norridge, Northbrook, Park Ridge, Schaumburg, Wilmette, Winnetka.
 Check my rep.score!
 
We're listed in Real-Estate-Agents.com.
 
Chicago Short Sale, Illinois Short Sales
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Don't Lose Your Home to Foreclosure As a Licensed Real Estate Broker, Certified Loan Originator, Certified Distressed Property Expert, CDPE I Can Help You!
Welcome To My Website!
My name is Regina Zak Tomas. I am a Licensed Real Estate Broker with 19 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.
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. Because of that I am the Top Agent Broker, with many satisfied clients! Why not list with me?
My Website is on the front of many sites, including:
Top Agent America’s Most Popular Realtors Online www.TopAgents.biz,
Lender Lister Top Sites www.LenderLister.com/topsites/,
Why not to work with the best?
Chicago Homes for Sale Chicago real estate.
Illinois Real Estate This link can help you find all Illinois homes for sale or short sale.
Tips for First Time Buyers make your home buying process successful
Many homeowners don’t have a relationship with a real estate professional unless they have made the decision to sell their home. People often do not realize that a real estate agent can be a great resource for homeowners. As an experienced real estate agent, I’d be happy to help you with any home needs you may have. I have valuable information on home maintenance, remodeling, refinancing, and other related topics. Much of this information can be found on my website. I think you’ll find that a relationship with a real estate agent whom you trust is a great asset. If I can be of assistance now or in the future, please give me a call.
Absolutely stunning 2 story home located in the great Maine South High School Dist, close to shopping, parks, and x-way to O’Hare and Chicago-Downtown. Home features: spectacular floor plan, 4 bedrooms, 3.5 baths, master bedroom balcony, family room deck, gourmet kit w/granite c-top, mosaic hardwood floors throughout, master bath has jacuzzi, sep. shower and granite c-tops, 2 car gar w/side drive, private yard with high wood fence… the list goes on and on. The best value in the area!
Condo in Elmwood Park. Absolutely gorgeous...and excellent location: walking distans to metra, cta, school, stores...!!! Huge 2bedrooms, 1.5 bath condo w/balcony. Many upgrades. THE BEST BUY IN THE AREA! BRING ALL OFFERS!
 Chicago, Real Estate. Perfect location - close to hip shopping, 2 schools, bus at the corner. Fantastic brick home for large family. Gorgeous hrwd flrs. Many upgrades: roof, tuck pointing, gutters -2008, new washer, stove. Beautifully painted & ready to move in! Under Contract
 Chicago, Real Estate. Charming and affordable ranch on quiet residential street. Excellent location: close to transportation, stores, schools... Many upgrades: new roof-4 yrs, deck-5 yrs old, refinished hardwood flr, freshly painted...Owner will consider all offers! SOLD
 In Chicago, Short Sale. Fantastic Victorian home completely remodeled in 2006-2008! Gorgeous kitchen, family room w/sliding door to beautiful garden. A must see!!! Bring all offers. Under Contract
Short Sale in River Grove
The best and the most beautiful unit in this complex totally updated, excellent layout: open kitchen to formal dining room, bright and sunny living room w/sliding door to balcony, gorgeous new bath (12x5). Plenty of closets, hardwood floor thru-out. Low assessment includes: heat, water, gas and more...excellent location: walking distance to schools, cta bus, shopping, park. Owner will consider all offers!!!
Carpentersville Short Sale, Investors special!! Needs more work and being sold "as-is" condition. Buyer is responsible for any city inspections. Frame, 2 story home with lots of possibilities... Nice layout, 3 bedrooms, 2 bath, big kitchen, side drive, 2 car attached garage, private patio.Cash or rehab loans please SOLD
 Chicago, Real Estate. This is a must see! Charming and totally updated large home on Chicago Northwest side. The property features: 4bdr, 3full bths (one on each level) finished attic & basement w/summer kitchen!
 Short sale in Chicago, Hyde Park, Heart of Washington Park-Bronzville area! If the summer Olympic games are held in Chicago, this property would be in the ideal location - just a few blocks away....and absolutely beautiful 2 yrs new 3 bdrs, 2 baths condo located in the heart of Washington Park/Bronzeville area. This luxury condo has everything!
Chicago - Dunning, Real Estate. Beautiful home with side drive, totally remodeled: new roof-2005, furnace & deck-2007, replaced: windows & siding; 3 new ceramic baths, upgraded kitchen ,gorgeous hardwood floors.... Great floor plan, private master bedroom w/bath and yard view. Sep. entrance to finished basement: big full bath(17x5), recreation room, office/bedroom. Sep. laundry rm.....owner will consider all offers!!!! Read more
 Bensenville Real Estate. Absolutely stunning mohawk terrace residence! From the moment you enter...gorgeous open kitchen w/breakfast table, spacious living rm and dining rm leading to big brick patio, beautiful yard, side drive, attached garage...many updates: new floor in living rm and dining rm, new kitchen, windows, washer & dryer. Easy to to show. Bring all offers!!
Chicago Real Estate. One of the most convenient location - near Blue Line to O'Hare, Chicago Downtown, Metra, Expressway I-90. Balcony overlooks Wilson Park with beautiful mature trees, tennis courts, playground for children.
Short Sale, Pre Foreclosure in Carpentersville. Dramatic Two Story Foyer, Kitchen with Tons of Cabinets, Attached 2 Car Garage. Beautiful Location, Facing to Large Open Area, Close to Shopping, I-90, Train Under Contract
Niles Real Estate. Solid light brk ranch w/side dr, 2 car gar, big private fenced yard. Park Ridge school dist. Main South HS. New construction around. Excellent location: walking dist. to park, stores.
VIRTUAL TOUR Under Contract
Schaumburg Real Estate. Beautiful Ranch Model. Features private entrance and patio.
 VIRTUAL TOUR
Schiller Park Real Estate. Perfect for live-in or for the investment, close to Forest Preserve Park, shopping center, X-Way I-90 & I-294. Balcony of master bedroom, separate dinning room, beautiful hardwood floor. Owner will consider all offer!
Call me for information about Short Sale.
 Mortgage Preapproval with Regina
 Ask Regina What Is Your Home Worth.
Prequalification & Preapproval Get prequalified, or get preapproved?
I attached a series of articles of interest to homeowners on money-saving tips,household safety checklists,home improvement advice,Chicago real estate short sale,real estate agents,Chicago homes,insider secrets,etc.Whether you currently are in the market for a new home or not.I hope that this information is of value to you. real estate articles
Chicago Tribune Real Estate, Chicago Sun-Times Real Estate, Wall Street Journal Real Estate, Washington Post Real Estate, Forbes Real Estate, Chicago Homes, Chicago Real Estate, Chicago Condos, City of Chicago, Real Estate News CNN
I want to thank you for taking the time to visit my website. As a consummate real estate professional, I’m committed to providing the absolute best service to my clients. I feel that by educating my clients I put them in the position to make informed decisions, and I can take care of the details so that any transaction runs smoothly.
If I can be of service to you in any way either now or in the future, please let me know. I’d enjoy the opportunity to help you with any of your real estate needs. Once again, thanks for visiting the site. Don’t hesitate to call or e-mail me with any of your real estate needs.
Illinois Real Estate
 
 
Cities located in Cook County, Illinois
Albany Park Alsip Archer Heights Arlington Heights Armour Square Ashburn Auburn Gresham Austin Avalon Park Avondale Barrington Barrington Hills Bedford Park Bellwood Belmont Cragin Berkeley Berwyn Beverly Blue Island Bridgeport Bridgeview Brighton Park Broadview Brookfield Buffalo Grove Burbank Burnham Burnside Burr Ridge Calumet City Calumet Heights Calumet Park Chatham Chicago Heights Chicago Lawn Chicago Ridge Cicero Clearing Country Club Hills Countryside Crestwood Des Plaines Dixmoor Dolton Douglas Dunning East Garfield Park East Hazel Crest East Side Edgewater Edison Park Elgin Elk Grove Village Elmwood Park Englewood Evanston Evergreen Park Flossmoor Ford Heights Forest Glen Forest Park Forest View Franklin Park Fuller Park Gage Park Garfield Ridge Glencoe Glenview Glenwood Golf Grand Boulevard Greater Grand Crossing Hanover Park Harvey Harwood Heights Hazel Crest Hegewisch Hermosa Hickory Hills Hillside Hinsdale Hodgkins Hoffman Estates Hometown Homewood Humboldt Park Hyde Park Indian Head Park Inverness Irving Park Jefferson Park Justice Kenilworth Kenwood La grange La Grange Highlands La grange Park LaGrange LaGrange Highlands LaGrange Park Lakeview Lansing Lemont Lincoln Park Lincoln Square Lincolnwood Logan Square Loop Lower West Side Lynwood Lyons Markham Matteson Maywood Mc Cook McCook McKinley Park Melrose Park Merrionette Park Midlothian Montclare Morgan Park Morton Grove Mount Greenwood Mount Prospect Near North Side Near South Side Near West Side New City Niles Norridge North Center North Lawndale North Park North Riverside Northbrook Northfield Northlake Norwood Park O'Hare Oak Forest Oak Lawn Oak Park Oakland Olympia Fields Orland Hills Orland Park Palatine Palos Heights Palos Hills Palos Park Park Forest Park Ridge Phoenix Portage Park Posen Prospect Heights Pullman Richton Park River Forest River Grove Riverdale Riverside Robbins Rogers Park Rolling Meadows Roseland Roselle Rosemont S Chicago Heights Sauk Village Schaumburg Schiller Park Skokie South Barrington South Chicago South Chicago Heights South Deering South Holland South Shore Steger Stickney Stone Park Streamwood Wheeling Willow Springs Wilmette Winnetka Woodlawn Worth
Chicago Real Estate Agent, Chicago Short Sale, Foreclosure, Illinois Short Sale, Re/Max Agent, MLS.
**************************************************************************************** Direct call, Regina Zak Tomas 773-520-1522
or email me at: reginatomas@mail.com |
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Office 773-520-1522
