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Regina Zak Tomas

Office: (773) 520-1522
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Chicago Short Sale Realtor, Chicago Short Sale Homes


Short Sale in Chicago and Far Suburbs, Chicago Short Sale Expert, Chicago Short Sales Realtor, Broker, Chicago Foreclosure, Stop Foreclosures in Chicago, Short Sale Condo in Chicago, Homes for Short Sale In Chicago


Do Not Hesitate To Call Me For FREE SERVICE And For More Information About Listing And Selling Your Short Sale Property For Free! I Am A Realtor, Expert Who Specializes In Chicagoland Short Sale Homes, Avoid Foreclosure And More.

Licensed Real Estate Broker With Over 25 Years Of Experience, Short Sale Certified With Millions Of Dollars In Closed Short Sale Transactions.  

Serving in Cook, DuPage, Lake, McHenry, Will, Kane, Kendall, DeKalb, and Kankakee Counties in Illinois.


 My Service is totally FREE to You --There is no cost for professional representation! The lender covers the costs of the real estate commission 


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As a Licensed Real Estate Broker with over 25 years of experience
Certified Distressed Property Expert
Certified Loan Originator
I can give you the expertise necessary to save your credit, relieve the uncertainty and most of all, help your family. Don't Wait Until It's Too Late

I Can Help You:  Whether You Have Missed A Payment Or You Have Missed Many Payments, I Have The Ability To Process Your Short Sale Successfully.



I am a Real Estate Agent Who Specializes in Representing The Sellers in Short Sale Transaction in Chicago and All Far Suburbs, Pre Foreclosure, Purchasing Real Estate in Chicago, Selling Homes in Chicago, Foreclosure and more.





If you want to avoid foreclosure and keep your home, your first step is to call your lender! If you are having difficulty paying your mortgage on time, it's important to act now before things get so bad that you are facing foreclosure.  In a situation where you want to sell your house, but it is at risk for foreclosure, your best option is short sale.  

 A short sale is a way to avoid foreclosure! It's very common in today's depressed real estate market for home sellers to receive offers that are less than the amount owed to the lender. A short sale is when a bank is willing to sell for less than what is owed.

Facing Foreclosure? Don't Like Your House? Consider a Short Sale! Short Sales Expert - Chicago and All Far Suburbs! Short Sale Homes, Condos in Chicago.


Picture Of Short Sale Specialist      CDPE     Real Estate Certificates of Regina Zak Tomas


1. I have over 25 years of experience working full time as a Real Estate Broker.

2. I am a Licensed Real Estate Broker.

3. I am a Certified Loan Originator.

4. I am a Certified Distressed Property Expert.

5. I work with the best law firms in area.

6. I finished Law School at the University of Warsaw, which enhanced my negotiation skills with the law firms, and real estate agents, and results in successful transactions.

7. I am available any time, almost 24/7.

8. 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.

9. I am the Top Agent Broker, with many satisfied clients!

10. Each of my clients is treated personally and with professional care, which combined with over 20 years of experience and collected certificates, causes former clients to eagerly return to me for business and to recommend me to their friends.


 Condo, Spectacular Location A Few Steps From Lake Michigan. 

Condominium, Short Sale Building With 24 Hrs Doorman, Fitness Center, Sundeck, Pool-Indoor & Business Center, Floor To Ceiling Windows 

Chicago Short Sale Beautiful Townhouse - Hardwood Floor, Plenty Of Storage, Big Yard. A Great Place To Call Home!

2244 W Madison Chicago Short Sale, One Block To United Center, Medical District, Transportation, Etc.

Chicago - Belmont Cragin, Short Sale   Wonderful Single Family Home 2109 N Nagle, Chicago Short Sale

 Beautiful, Large Completely Rehab 2 Bedrooms, 2 Baths Condo   2342 W Rosemont Chicago Short Sale   Prpperty Report

Chicago Short Sale Absolutely Spectacular View Of Lake And Harbor. Express Bus To Loop From Front Door. Parking Available For Lease.

Chicago Short Sale Euro Cabinets, Premium Appl And Fixtures, Breakfast Bar, Hardwood Floors Throughout, Bath With Whirlpool Tub.   QR Code, Property Report

Edison Park, Chicago Short Sale, Light Brick Octagon Bungalow, The Best Value In The Area!   QR Code, Property Report

Chicago Short Sale  Condo In Old Town And River North Location. Spectacular View Of Chicago Downtown!   QR Code, Property Report

Chicago Short Sale. Gorgeous Townhome In Gated Community. Modern Open Floor Plan, Cathedral Ceiling, Gorgeous Chef's Kitchen With Granite Countertops   QR Code, Property Report

Absolutely Amazing Location With Lake View, Spacious And Sunny, Close To Park    4180 N Marine Dr. Chicago IL Short Sale      QR Code, Property Report 

Chicago Short Sale. The Best Short Sale Deal In The Area. Parking Space, Laundry... And More    6958 W 65TH ST Chicago IL Short Sale   QR Code, Property Report 

 Condo For Short Sale. Beautiful And Bright Unit With Heated Garage Parking Space Modern Floor Plan, Private Balcony.

The Best Value In The Park Place Tower. Spacious 1 Bdrm Unit, Indoor Parking Space Included in the Price! Lake And Harbor Views.   5445 N Sheridan, Chicago Short Sale     QR Code, Property Report

Condo Short Sale Chicago. Absolutely spectacular view of lake (east and south) see the sunrise and sunset from living room and dining room.

Chicago Short Sale, Excellent Location, Just One Block To Sheridan Rd, Beaches, Michigan Lake, CloseTo Loyola University         QR Code, Property Report

Chicago Short Sale. Spacious 1Bed Unit, Indoor Parking Space Included In The Price.

Condo, Chicago Short Sale The Property Features: Balcony, Storage, Parking Space. Excellent Location: Walking Distance To Schools, Forest Preserve, Bus, Shopping  

Chicago Short SaleThe Property Features Beautiful Hardwood Floors, Newer Kitchen With Granite C-Tops, New Cabinets And Windows. 3130 N Odell Ave Chicago IL Short Sale  QR Code, Property Report

Chicago Short Sale Spectacular Condo, Granite C-Tops, 11' High Ceilings, Heated Garage 


Foreclosure is NOT the only option! Contact me, Regina Zak Tomas, and let's get started towards the path of recovery. 773-520-1522

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. 773-520-1522

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.

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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 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'.

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.

Other things to know about short sales:
- The short sales procedure can and does vary from lender to lender.
- Seller will not receive any excess funds.
- Seller may not remain in the property after the sale even with permission of the new owner.
- Seller will not receive a refund of any escrow accounts.
- Seller may be asked to sign a note for the deficiency at closing.
- There can be no substitution or assignment by buyer.
- Even though a short sale is pending, the lender can still foreclose on the property
- Buyers must be patient because the short sale process can take several months.
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.

Make sure a qualified real estate professional  is representing you!
A short sale is not a regular transaction, and hiring an inexperienced Realtor you are risking foreclosure. Do not make this mistake. 

Do not hesitate to call me for free service in Chicagoland  and for 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 a successful short sale your bank pays for the Realtor commission, attorney fees, title company fee, and any other closing costs.
Chicago, Illinois - Simply list and sell your short sale property for free! Professional real estate services for buyers and sellers, Chicago, Illinois.


  Short Sale Specialist, REGINA ZAK TOMAS

If you have any questions, don't hesitate to contact me! Because sometimes emails don't go through, so it might be better to call me at 773-520-1522.

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