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Office Address:
7020 W. Higgins Ave
Chicago, IL 60656
Office: 773-520-1522 Mobile: 773-520-1522
Other: BROKER, SHORT SALE EXPERT Office Fax: 773-751-5516
Other: CERTIFIED LOAN ORIGINATOR Email / Contact Me
Chicago Real Estate Agent, Broker, Chicago Short Sale Homes, Illinois Short Sales, Short Sale Specialist and Pre Foreclosure Expert.


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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.

www.ChicagoShortSale-IllinoisForeclosure.com 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. More here

Congress Passes, Obama Signs First-Time Homebuyer Tax Credit Extension/Expansion


 

Chicago Short Sale, Illinois Short Sales. Real Estate Service Serving in Chicago and Suburbs; Cook, DuPage, Lake, McHenry, Will, Kane Counties in Illinois.

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. Domy Odebrane Przez Bank 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 a mortgaged property may be sold when a mortgage is in 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.

Do not hesitate and call me for free service and more information, or if you have any questions about listing and selling your short sale property for free!
I don't charge any fees for short sale listing and service! In successful short sale your bank pays for the Realtor commission, attorney fees, title company fee, and any other closing costs.
Simply list and sell your short sale property for free!

But I’m not only a short sale specialist. I also work as a listing real estate agent and Realtor who works with many types of transactions. So don’t hesitate to call me for any questions you have. Some of my current listings you can see on my websites;

http://ChicagoShortSale-IllinoisForeclosure.com,

http://www.ChicagoandHomes.com

 

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 sales links  advertising

        

VIEW MY LISTINGS  Here are some great properties that I would like to bring to your attention. Please see these select homes offered by me for sale.

 

 

 Home in Mount Prospect. Beautiful home! Great location  and  schools. Gorgeous private yard, brick patio.

 

 

Picture of a short sale condo in Countryside. Gorgeous 2 Bedrooms Condominium in popular Edgewood Valley Complex. Bring all offers!! Short Sale, Pre Foreclosure

Short Sale in Countryside

Absolutely gorgeous 2 bedrooms condominium in popular Edgewood Valley complex. Low assessment fee incl: common ins. pool, clubhouse, tennis courts, parking and more. Great location. Short Sale!!

 

 

 

 Des Plaines Real Estate  Wonderful location - across from Rand Park, swimming pool, tennis court, playground....walk to train & downtown area!!!  Charming brick ranch with side drive, beautiful private yard, dry basement has separate heating system

 

 

 

 

Mount Prospect Real Estate 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.

 

 

 

Schiller Park Real Estate. Unbelievable Deal for 6 Units Brick and Stone Building! Great Bargain for the Investor to Live In or Condo Conversion.

 

Condo, Short Sale in Roselle. Beautiful 2bedroom condo  in an excellent location, Roselle -  close to shopping, great schools.... modern open floor plan, sunny living room with sliding door to large balcony and gorgeous view on mature tree... Short sale.                   

 

                         

                  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) 520-1522Chicago Top Agent, Broker.


Chicago Real Estate

  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.

 

 Cook County Treasurer's Office     Lake County Treasurer's Office
 DuPage County Treasurer's Office    Will County Treasurer's Office   
 
Kane County Treasurer's Office

 

Chicago N NW Suburbs: Arlington Heights, Des Plaines, Elmwood ParkGlenview, Harwood HeightsMorton Grove, Mount ProspectNilesNorridge, Northbrook, Park RidgeSchaumburg, Wilmette, Winnetka

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Follow me at Twitter http://www.twitter.com/HomesNews   

Illinois Real Estate        United States Referral™ - Real Estate Referrals            

  We're listed in Real-Estate-Agents.com.  LookForProperty.com - Real Estate Directory and Ranking List

          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 OriginatorCertified 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. 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?

I do not use other agents, teams, or assistants. I personally deal with the listing, buying, selling, and any possible problems that my clients can have associated with these areas. Each of my clients is treated personally and with professional care, which combined with my experience and collected certificates, causes former clients to eagerly return to me for business and to recommend me to their friends.

 

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.

 

Harwood Heights Real Estate.

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! 

 

 In Des Plaines, Condo for sale! Bargain....regular sale! A great value! The best 2bdr 2 baths corner unit with balcony overlooks courtyard w/ beautiful trees. Everything redone in the past few years

 

 

SHORT SALE!  Home for sale in Chicago

Absolutely stunning & elegant home! Excellent location in Galewood - walking distance to metra taking you to Chicago Downtown.

 

 Short sale, Chicago - Rogers Park. The most beautiful unit in the complex. From the moment you enter... Huge, sunny, living room w/fireplace, modern kit w/granite c-top with entrance to private deck. A great place to call home! *short sale*

 

Glenview Short Sale, completely remodeled ranch in the Westfield Subdivision. Modern open floor plan, large kitchen w/eating area. Newer windows, roof, appliances, heating/ac, beautiful private yard w/patio, attached 1 car garage. Excellent location - close to Milwaukee/golf shopping, school, transportation. Bring all offers!! Short sale. The least expensive 4 bedrooms, 2 bath home in Glenview! Short Sale in Glenview. The least expensive home in Glenview for the price of a condo. Completely remodeled ranch in the Westfield Subdivision. Bring all offers!! Short sale.

 

Short Sale in Chicago , excellent location! BARGAIN.... Charming and solid brick bungalow in historic district. Palmer school district, close to Gompers park, pool tennis. Property features: 2 bedrooms, living rm, sep din. Rm, gorgeous kit. On the first floor, basement has rec  room, huge bedroom w/walk-in closet, finished attic w/partition walls. The best value in the area. Short sale, sold as-is Chicago, Short Sale. Charming and solid brick bungalow in historic district. Excellent location, Palmer school district, close to Gompers park, pool tennis.

 

Pictures of short sale home. Brick home with side drive. Short sale in Lansing. South of Chicago Lansing, Short Sale.  Fantastic, elegant all light brick home with side drive - 2 car garage, huge private, fenced yard, iron gates... Finished basement has rec room, office, bath. A great place to call home!! Bring offers!! Short Sale.

 

 

 

 

Pictures of short sale home in Carpentersville. This property has a great location. Short Sale Agent Regina Zak Tomas, Short Sale Specialist. Carpentersville, Short Sale.

 Excellent location. Great home at a great price!! This property features 3 bedrooms, big kitchen with table space, hardwood floors. Many updates: furnace and AC unit replaced in 2008, newer windows, refrigerator, dryer.

 

 

 

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!

 

 

  Picture of Chicago short sale home   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 

  

 Short Sale in River Grove 

The best and the most beautiful unit in this complex totally updated.

         

 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!

 

Picture of a short sale home in Chicago Washington Park/Bronzeville area Short sale in Chicago, Hyde Park, Heart of Washington Park-Bronzville area. Absolutely beautiful 2 yrs new 3 bdrs, 2 baths condo. This luxury condo has everything! 

 

Picture of short sale condo in Chicago. Portage Park - fantastic location! Updated! Chicago Short Sale. Fantastic location....in desirable Portage Park. Walking distance to bus, shopping, school, park w/swimming pool. This beautiful & spacious condo is completely updated: new kitchen, ss appliances, refinished  hardwood floors, new windows.

 

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 in Elmwood Park. Beautifully updated, large condo on the second floor. Parking space in the garage - under bldg. Gorgeous hardwood floors, modern - open floor plan, newer kitchen. Low assoc. Great location. Short sale! Bring all offers!

  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.

                                               

Call me for information about Short Sale.

 

  Mortgage Preapproval with Regina   

 

Ask Regina What Is Your Home Worth.

 

IRS Publication #4681: Canceled Debts, Foreclosures, Repossessions, and Abandonments

Prequalification & Preapproval  Get prequalified, or get preapproved?

 

 

Where Home Prices Are Likely To Rise

See the top 5 cities where home prices will rise

America's Best And Worst Housing Markets. Five areas where property values are rising and five where prices continue to free-fall.

Chicago Tribune Real Estate, Wall Street Journal Real Estate, Washington Post Real Estate, Forbes Real EstateChicago 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.

     

                                       
                                     

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Chicago Real Estate Agent, Chicago Short Sale, Foreclosure, Illinois Short Sale, Re/Max Agent, MLS.

 

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Direct call, Regina Zak Tomas  773-520-1522
or email me at: reginatomas@mail.com
Office: 
7020 W. Higgins Ave
Chicago, IL | 773-775-0600