Certified Default Resolution Specialist
Are you behind on your payments?

A CDRS 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.

We 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. We can help you get back to life and stop the worries