Moving through late 2008 and into 2009, the Flathead Valley has not been immune to the unemployment rate rising and folks being in distress.  Foreclosure notices have risen and unfortunately the majority of homeowners do not seek any professional assistance to understand the options available to them to avoid foreclosure.

If you are going through tough times or know of a family member or friend who is, we can help discover what options may be there.  Scott, Diana and Kellie have seen the importance of additional training to be able to navigate through the options, and if need be, help our clients through the "Short Sale" process.  The team has invested the time to complete the courses and testing required to become "Certified Distressed Property Experts".

"How to Avoid Foreclosure"; from RISMedia (April, 2009)

Chart showing the benefits of selling your property via the Short Sale process vs a Foreclosure; from Distressed Property Institute.

Distress and late payments can precipitate from many causes.  Here are the most typical hardships:
Mortgage adjusting and payment rose
Loss or decrease in Employment
Small business failure personally or employer
Death of a spouse or family member
Medical issues or severe illness
Divorce or Separation
Relocation or Military Service demands
Insurance or tax increases
Unexpected repairs on auto/home create too much debt
Inheritance of property that is a hardship to maintain or pay taxes on