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• Traditional Sales
• Seller Representation
• First Time Buyers
• 100% financing options
• Short Sale Specialist
• Foreclosure Listings and Sales
• Free Loan Modification
• Free Consultation
• 559-972-0981 Mobil
• vderouin@gmail.com

CERTIFIED DEFAULT RESOLUTION SPECIALIST

 Valerie Derouin is a foreclosure prevention specialists dedicated to assist home owners to avoid unnecessary foreclosure or bankruptcy and possible serious credit damage.  As a Certified Default Resolution Specialist(CDRS) Valerie Derouin is one of the few Realtors in Tulare, Kings and Fresno Counties that have committed to this education and hold skills to make your short sale or pre-foreclosure transaction meet or exceed expectations and close successfully. 

As a CDRS certified through America's Home Rescue I have direct contact information and requirements of all of the biggest mortgage companies still in existence in the United States so I know what will be required by your lender for a successful negotiation. Americas Home Rescue is endorsed and consults with the National Association of Realtors.

I will provide:

• Step by Step process for shorting an FHA - VA or Conventional loan.
• Negotiate with multiple lenders - 1st and 2nd mortgages
• Determine what the lender will require as a net selling price.
• Determine what the lender will and will not approve in the terms of your purchase agreement.
• Provide you with education about Short Sale, Loan Modification, Pre Foreclosure, Foreclosure and other options.  

Free Consultation

 If you are behind on your mortgage payments due to

• Loss of Job
• Medical related injuries
• Reduced Income
• Divorce
• Increase of monthly payment due to interest rate adjustment
• Little or no equity in your home
• Worried that you owe more than your home is worth

Many many people are suffering through a hardship in today's market. I can help you get back to life and stop the worries. 

vderouin@gmail.com

559-972-0981 Cell

Buyers and sellers in Tulare County. Buy bank owned homes, Foreclosures, Short Sales or New Construction in Visalia, Exeter, Farmersville, Tulare, Porterville, Dinuba, Woodlake and surrounding areas.

Fed Plans Spark Drop in 30-Year Rates
The average interest on a 30-year mortgage fell to a 38-year low of 4.85 percent during the week ending March 27 from 4.98 percent the prior week, Freddie Mac reported.

 Home Buyer Tax Credit Increases Activity

NAR President Charles McMillan says home shopping activity has picked up with housing affordability at a record high.

"The number of buyers looking for homes rose 5 percent in February, and also was 5 percent above a year ago," he says. "It appears most of the increase in buyer traffic occurred in the latter part of the month after the $8,000 first-time buyer tax credit was put in place. At the same time, mortgage purchase applications have risen, so we expect to see sales picking up around late spring."

McMillan notes that more potential buy ers are learning about the tax credit, just as the traditional spring home-buying season begins.
ADDITIONALLY - Buyers interested in NEW Construction can recieved an additional $10,000 State Tax Credit.

These programs have been put in place to help stimulate the slump in our economy.  It is an excellent time to buy a home.

Realty Executives - Derouin & Associates prides themselves in Expert Client Representation and Personalized Service. 
If you or some one you know are interested in buying real estate and need help sorting out the details we can provide you with knowledge, support and expert representation to guide you into your new home. 

Sign up for our email service and we will place you on a hotlist of email alerts for new properties on the market daily.  Call 559-732-3395