Michelle is a Certified Distressed Property Expert. She is compassionate, offers non-judgemental support, and will help you determine what your options are. She will be your partner in taking the next step. Every second counts.... Don't wait....

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A Certified Distressed Property Expert^® is a real estate professional with specific understanding of the complex issues confronting the real estate industry, and the foreclosure avoidance options available to homeowners. Through comprehensive training and experience, CDPEs are able to provide solutions for homeowners facing hardships in today’s market, specifically short sales.

The prospect of foreclosure can be financially and emotionally devastating, and often homeowners proceed without guidance of any kind. The developers of the CDPE Designation believe that the best course of action for a homeowner in distress is to speak with a well-informed, licensed real estate professional. They have the tools needed to help homeowners find the best solution for their situation. Often, when other options have been exhausted, CDPEs can help homeowners avoid foreclosure through the efficient execution of a short sale.

While enduring financial difficulties is challenging for any family, the process of finding a qualified real estate professional should not be. Selecting an agent with the CDPE Designation ensures you are dealing with a professional trained to address your specific needs.

CDPEs don’t merely assist in selling properties, they serve and help save their clients in need.

If selling your home is your best option, call today for a free consultation on how short sales work. We're here to help if you're ready to take the next step. Call Michelle today at 608-219-6188.

General Information

LATEST NEWS:
12/10: Obama Administration Releases New Data On Modification Program
11/30: Obama Administration Kicks Off Mortgage Modification Conversion Drive

If your mortgage loan is owned by Fannie Mae or Freddie Mac, you may be eligible for a Home Affordable Refinance to take advantage of lower interest rates. Only loans owned or guaranteed by Fannie Mae or Freddie Mac are eligible. Your mortgage company can tell you who owns your loan, or you can contact Fannie Mae and Freddie Mac directly by clicking on the links below and completing the forms for each company.

Beware of Foreclosure Rescue Scams - Help Is Free!

• Beware of anyone who asks you to pay a fee in exchange for a counseling service or modification of a delinquent loan.
• Scam artists often target homeowners who are struggling to meet their mortgage commitment or anxious to sell their homes. Recognize and avoid common scams.
• Assistance from a HUD-approved housing counselor is FREE.
• Beware of people who pressure you to sign papers immediately, or who try to convince you that they can “save” your home if you sign or transfer over the deed to your house.
• Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.
• Never make a mortgage payment to anyone other than your mortgage company without their approval.

Are you looking for information on Sheriff's Foreclosure Sales? We don't post the notices here, but you can try searching the notices posted at madison.com or in one of the Madison newspapers. All foreclosure sales are advertised in the classified section for 6 weeks prior to the sale.

Search the Classifieds at Madison.com

Sales are conducted Tuesdays at 10:00 a.m. in Room 2002, Public Safety Building, 115 West Doty Street, Madison, WI.

The Sheriff is a ministerial officer of the Court and is without power to make any terms except those authorized and prescribed by the Court. The Sheriff sells only the judgment debtor's title. If there is no title, the purchaser acquires none. The rule of Caveat Emptor (let the buyer beware) is fully applicable to sales made under execution.

Foreclosure sales are for real property only. The Sheriff's Office does not know whether or not persons occupy the property. Further, we cannot give permission for any prospective bidders to enter and inspect any structure that may be located on the property to be sold.

Properties sold at auction by the Sheriff's Office are generally advertised in The Wisconsin State Journal and Capital Times on-line newspaper, as well as http://new.madison.com/legal-notices/. Notices appear once for each of the six weeks prior to the date of sale.

In addition to newspaper advertising, written notice describing the real estate to be sold will be posted in three public places in the town or municipality where the real estate is to be sold at least three weeks prior to the date of the sale and also in three public places of the town or municipality where the real estate is situated if it is not in the City of Madison.

The Sheriff's Office does not have a list of properties for general distribution. Persons interested in following up on these properties must make their own lists by checking the legal advertisements in the newspapers or the postings.

Sales of property are "open-type" auction sales (no sealed bids). A minimum bid is normally bid in the first round by the Plaintiff. The successful bidder, upon full payment of the bid, will receive a Sheriff's Deed. This deed may not give clear title to the property. In order to obtain a clear title one must satisfy all superior liens and encumbrances. If a purchaser does not complete the sale, he can be held liable for his deposit, and for all losses and expenses.

If you are interested in a particular piece of property, we recommend a title search before you actually bid. Private firms conduct title searches.  A fee is charged. We recommend calling Jeannie Baker at RBA Title. You can reach her at:

26 Schroeder Ct, Ste 200
Madison, WI 53711
Phone: (608) 442-6070
Fax: (608) 244-2362
Email: rbat@rbatitle.com
www.rbatitle.com

Should you have a legal question, we recommend you consult an attorney.  If the property you purchase is occupied, it is your responsibility to have the occupants legally removed. In most cases the owner can redeem the property, even after the sale, for a period of 10 calendar days from the date of sale. By law the owner can declare bankruptcy within that same period.

Conditions of Sale

• Each property is sold subject to restrictions of record which are unknown to the Sheriff and subject to any unpaid taxes and water bills or assessments, and such state of facts as an accurate survey and physical inspection of the premises may reveal.
• The highest bidder at the sale shall be the Purchaser. If any dispute arises as to who may be the highest bidder, the property will be resold.
• If you are the successful bidder on a property, you are required to post a deposit of 10% of the total bid price in cash, certified check, or money order immediately after the close of that sale. Certified checks must be made payable to: Dane County Clerk of Courts. No company, agency or personal checks will be accepted.
• The PURCHASER must pay recording fees and Real Estate Transfer Fees.

Some additional conditions of sale are listed below that may be announced at the time of sale. This is not a complete list and is provided as information only.

• Subject to any unpaid municipal liens, unpaid taxes and assessments.
• Subject to such facts as an accurate survey and physical inspection of the premises will disclose.
• Subject to restrictions, reversions, reservations, easements and right of way of record, if any.
• Subject to rights of tenants and occupants, if any.
• Subject to Federal, State, County and Municipal ordinances, statutes and regulations, including zoning ordinances.
• Sold in an "as is" condition.
• Subject to the right of the plaintiff to apply to the Court for surplus moneys for sums advanced, with interest thereon since the entry of final judgment, additional advances for taxes and other items have been made by plaintiff.
• The right of redemption of the United States of America as a result of Federal Liens.
• If the subject premises is a Condominium, the sale is subject to any unpaid assessments, which may be a lien on the premises, and subject to all applicable provisions of the Master Deed and by-laws of Condominium Association.

There are times when the sale of property is not completed on the date advertised because of adjournments, settlements or bankruptcies. We recommend you call the Sheriff's Office, Civil Process Section on the scheduled date of the sale to determine the status of the sale.