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Short Sale in Skokie, Skokie Short Sale Expert, Skokie Short Sales Realtor, Skokie Townhouses, Skokie Foreclosure, Short Sale Condo in Skokie, Homes for Short Sale In Skokie. Condos for Sale in Skokie

I am a Real Estate Agent Who Specializes in Representing The Sellers in Short Sale Transaction in Skokie, Pre Foreclosure, Purchasing Real Estate in Skokie, Selling Homes in Skokie, Skokie Real Estate Property, Skokie Residential Real Estate, Skokie IL Foreclosure and more.




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!

Foreclosure is NOT the only option!


Contact me, Regina Zak Tomas, and let's get started towards the path of recovery. 




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.

My name is Regina Zak Tomas. I am a Licensed Real Estate Broker with over 25 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. 

Short Sale Specialist                     


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.  I do not use other agents, teams, or assistants. Each of my clients is treated personally and with professional care, which combined with over 25 years of experience and collected certificates, causes former clients to eagerly return to me for business and to recommend me to their friends.


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! Regina Zak Tomas, Short Sales Expert in Skokie Illinois!



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).
Short Sale Short Sale
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!

 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.

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. 
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, Realtor who works with many types of transactions. So don't hesitate to call me for any questions you have.

SEARCH HOMES Are You Buying Or Selling? There’s no better time and no better place to start your online home search than right here on this search page. 

Regina Zak Tomas, Chicagoland Brokers Inc, 773-520-1522

Short Sale, Skokie Illinois

Skokie Short SalePriced to sell!!!  Award winning school district 73.5. Just minutes from Edens x-way and Lincolnwood mall. Spacious  3 bds, 2.1 bath, duplexed condo. Main level- 3 bds, 1.1 bath, eat-in kit, hardwood floor  under carpet - first  fl. Lower level- private entrance!!! Huge recreation room, full bath, washer & dryer in utility room. The best value in the area. Skokie Short Sale , sold as-is.  (SOLD)

Skokie Short SaleA great opportunity!!! Totally updated brick ranch features 3 bedrooms, 2 baths. Beautiful hardwood floors, kitchen has breakfast bar and newer appliances, gorgeous granite & tile bath w/whirlpool, finished basement has side entrance, family room, laundry/summer kitchen, full bath, plenty of storage, deck, 2 car garage plus extra parking space for 2 cars. A must see!!! Short Sale!! (Sold)

Skokie Short SaleCondo Short Sale - Skokie. Skokie Downtown, Close To Lorel Park. Cover Parking Space! (Sold)

  Household Population in Skokie, IL

The household population number in Skokie was 62,209.

Group Quarters Population in Skokie, IL
Group Quarters population in the community was 1,139.

Average Household Size in Skokie, IL
The average household size in Skokie is 2.68 (The average household size in the United States is 2.59).

Average Family Size
The average family size in the community is 3.2 (The average family size in the United States is 3.14).



Total Housing Units in Skokie, IL
At the time of the last census survey, there were 23,702 total housing units in Skokie.

The number of occupied housing units was 23,223, or 98 of the total units in town. Of these, 17,472 were owner-occupied (75.2), and 5,751 were renter-occupied (24.8, compared to the national average of 33.80%). There were also 479 vacant homes in Skokie at the time of the last complete survey.

Median Home Values in Skokie, Illinois
The total number of single family, owner occupied homes in the community was 13,835, with a median value in dollars of 217,500.

Monthly Owner Costs in Skokie, IL
For homes with a mortgage, average monthly owner costs were $1,556 (national average was $1,088). For homes without a mortgage in Skokie, average costs per month were $458 (national average was $295).

Coordinates: 42°02′00″N -87°44′34″E / 42.0333333°N 86.25722°W / 42.0333333; -86.25722 is a village in Cook County, Illinois, United States. Its name comes from a Native American term for "fire". A Chicago suburb, for many years Skokie promoted itself as "The World's Largest Village". Its population, per the 2000 census, was 63,348. Sharing a border with the City of Chicago, Skokie's streets, like that of many suburbs, are largely a continuation of the Chicago street grid, and it is serviced by the Chicago Transit Authority, further cementing its connection to the city.

Historically, Skokie has a demographic that differs from most suburbs of Chicago. Most famously, Skokie has been home to a large Jewish population, particularly after World War II, and it is the only suburb of Chicago with more Jewish schools than Catholic schools. While in recent years Skokie's population has become significantly more diverse, it nonetheless was considered the logical location for the Illinois Holocaust Museum and Education Center when it opened in northwest Skokie in 2009.

Skokie has garnered national attention at least twice for court cases that have been decided by the United States Supreme Court. In the mid-1970s, the Village got embroiled with the National Socialist Party of America (a neo-Nazi group) in a case addressing the First Amendment right to assemble, a case which ultimately the Village lost. Also, in 2001, although Skokie was not a direct party to the case, a decision by the Village regarding land use led to a decision by the Court which reduced the power of the United States Environmental Protection Agency.

Skokie Public School Info                              Skokie Public Library Home Page

Skokie Private School Info                            Skokie Detailed Profile

Skokie Data and Census Information         Skokie IL Zip Code

Cemeteries in the Skokie, IL area               Village of Skokie, IL                              

Skokie Illinois community website              Skokie Park District

Google News for Skokie, IL                           Yahoo News for Skokie, IL

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Chicago Short Sale Specialist, Short Sale Realtor, Chicago Real Estate Agent, Broker, Illinois Short Sale Expert