Avoid Foreclosure
Avoid Foreclosure
Chances are you or someone you know in the Des Moines/Ames metro area is facing the possibility of foreclosure. You are not alone.
Today, 1 out of every 6 homeowners in America is behind on mortgage payments. These are tough and frustrating times. Now more than ever, it's important to identify your options. Foreclosure can be avoided, your credit can be saved, and your financial future can be salvaged.
As a Certified Distressed Property Expert (CDPE) and Realtor, I can give you the expertise necessary to save your credit, relieve the uncertainty, and most of all, help your family.
As a CDPE, I can save 9 out of 10 people from going into foreclosure. By using a licensed CDPE, there is a 90% success rate. A foreclosure can lower a person’s credit score from 250 to over 300 points and will affect the score for over 3 years. Foreclosures will also remain on a credit history for 10 or more years.
With a successful short sale, this will only affect a person’s credit score as little as 50 points and only affect their score for 12 to 18 months. Short Sales are also not reported on credit history.
Through my experience handling distressed properties at RE/MAX Concepts, I have found homeowners today have more questions than answers about their circumstances. I have created this site to help you understand the possible solutions to foreclosure, as well as provide a detailed explanation of short sales, which may be the best course of action for some homeowners.
As an agent with the CDPE® designation, I have a strong and unique appreciation of the factors affecting the market and know which options are available to you.
I am here to help … in any way I can. You are not alone. Whether you are looking to remodify, list your home as a short sale, or seek any other foreclosure alternative, my services are FREE to you. You have nothing more to lose and everything to gain.
If you would like a free, confidential evaluation of your individual situation, property value, and possible options, please contact me at (515) 984-0222 or email me at shanetorres@remax.net. Call today to start on your path to recovery!
Content provided by CDPE
Testimonials
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My husband and I had the pleasure of working with Ismael to sell our house and buy a new one. He was very patient, transparent, and full of knowledge. Never sugar coated anything. This was very stressful for us and we were not the easiest clients but he never made us feel like a pain! Would recommend 100% to our friends and family!
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- Heather
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I just sold my first home and used a different realtor on the sellers transaction. However, Andrew Bruellman (with RE/MAX Torres Team) brought a family through for a few showings and got an offer and were able to come to an agreement. We had already signed the contract and agreed and I had found out I was going to owe money at closing, when I wasn't planning on paying a dime. So, I brought up a different scenario to my realtor for an item we agreed on and hoping it would be a benefit on both ends and he was really accommodating and helpful with talking with the buyers and making it work to make us both happy. I can't tell him how thankful I am for that! Definitely a great experience, thanks Andrew!
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- Jessica
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Selling a home/buying a home is a stressful experience. Selling/buying a home during a global pandemic presents a whole new level of issues! Patrice Noble with the RE/MAX Torres Team is not only a great Realtor, she also eased my concerns with showing my home and searching for a new one during this unique time. She explained the entire process in a way I could understand, recommended quality vendors who could help me prepare my home for sale, calmed my nerves and graciously answered my endless questions. She is an excellent negotiator and helped me buy my new home in record time - the entire process was seamless. I would highly recommend Patrice to anyone looking to buy or sell their home!
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- Julie
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My fiancé and I bought our first home with RE/MAX Concepts and we worked with Ismael! He made the buying process so easy and walked us through everything, he answer all of our questions as soon as we sent him them and he showed us every house we asked him to show us! He is amazing at what he does and he takes his time and walks you through things you should look for and the pros and cons of each house. Ismael made buying a house a lot less stressful and we definitely will work with him again if we decide to move or sell our home! Him and his Team Rock!
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- Nicholas
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Patrice Noble did a fantastic job finding me a house. I was very particular about the house and the location and she never gave up. She was also great about guiding me through the intricacies of the purchase process. I hope I live in this house forever but if buy another house it will be with Patrice.
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- Keith
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Are you looking for a hands-off full-service Realtor to sell your home including scheduling all cleaning and repairs at a reasonable price? Look no further than Shane's team! Gina was amazing to work with and made the process super easy! I've worked with many realtors over the years and this was the smoothest agency I've worked with. Highly recommend!
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- Kayla
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I highly recommend working with Victoria and Ismael Borges. Throughout the whole process they made us feel at ease. At the beginning, they helped us get our home ready to hit the market and gave us pointers on how to stage our home. Victoria was very knowledgeable on the latest trends for home staging and Ismael knew what to look for around my home that might set us back on the inspection portion. The Torres team office were very efficient with booking tours and any appointments. They were on top of all the paperwork that was needed to be signed. When we started looking for our new home, they were very patient with us and I personally didn’t feel rushed at all. They took their time to get to know our preferences in our own home search and didn’t make me feel like I was wasting their time. If I were able to move again, I will definitely use them again!!
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- Stephanie
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Gina was great to work with when selling our property. She was very knowledgeable and quickly got back to us with any questions or concerns we had.
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- Lisa
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Excellent guidance throughout entire process. Listened to concerns. Was extremely helpful with all aspects of the sell and buy. Ayesha was my realtor. She was extremely informative and if questions were asked she got answers to me in a timely manner.
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- Linda
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Trevor Gearhart of Re/Max has worked as my realtor agent on three occasions. He is absolutely professional, reliable and trustworthy under every circumstance. I can be a difficult customer but he shines with patience and sage advice to consider under challenging conditions. I'd recommend him and Re/Max to friends and family. I've left every transaction fully satisfied. Thanks, Trevor.
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- Michael
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Awesome team! Wonderful to work with!
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- Natalie & Terry
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We worked with Jeff Johnston relative to our purchase of our Clive home. Jeff was an absolute pleasure to work with. He was very helpful and pleasant to work with and made the home purchase a very pleasant experience. I will highly recommend Jeff to my friends and family.
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- Michael
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I worked with Zack and he did a phenomenal job on keeping me informed and putting in the work so I didn’t have to! Would definitely recommend him to anyone looking to buy or sell!
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- Cheyanne
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Zack Cregeen helped develop a plan, supported a realistic price point, and was able to sell it the first day it was on the market. His customer service, attention to detail, and strong network came through for us. Highly recommend him!
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- Eddie
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First of all, I would just like to say thank you for assisting us with the purchase of our dream home in Nevada and the sale of our home in Polk City. I’m sure with the sale of every home you have comes with some bumps in the road but I feel like our home especially came with a few too many bumps than any of us would’ve preferred. However, with each road block we came across you were more than on top of finding a solution to every issue you encountered in a timely and professional manner which we were more than grateful for. Your communication with us about updates with the selling process was more than helpful to keep our nerves calm and appreciative knowing we were making forward progress. We learned so much from you about selling a house. A few years back we had debated trying to sell the house on our own but after seeing all the work and hoops to jump through we were sure glad we never attempted to do that and were thankful to have a professional like yourself with experience to sell our home for us.
Again, we couldn’t be more pleased with your hard work and dedication with the sale of our home in Polk City. Finding a buyer who could close on time and make a cash offer was more than what we could’ve hoped for and your hard work does not go unnoticed by us. Hopefully we will never need to sell a home again, but if we do we would be more than happy to give you a call.
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- Zach & Erin
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Our realtor, Zack Cregeen, was super to work with. He was able to answer all of our questions and we were happy with the amount our home was sold for. The whole team working behind Zack was knowledgeable also!
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- Karen
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The Torres RE/MAX team is extremely responsive to requests and concerns, makes you feel like an individual, and keeps you informed on all things related to your purchase/selling needs. Their professionalism, timeliness, and resources are excellent and appreciated, and I recommend them highly!
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- Samantha
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Braden is excellent! He made our first time home buying experience easy. He kept us informed of everything and he is the best at what he does. I would recommend him to everyone that’s looking to buy a home. He is the best of the best.
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- Krystal
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Zack Cregeen was our realtor, and we couldn't be happier with our home buying experience. He was knowledgeable, showed the utmost professionalism in his craft, guided us throughout the whole process, and got us hands down the best deal he could get us. He felt more like a confidant than a realtor. I would highly recommend that you trust Zack with your home purchase.
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- Selina
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I would like to thank RE/MAX Concepts - Shane Torres especially Zack for answering our questions day or night and selling our house in under a week for what we wanted and finding our forever home.
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- Greg
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We were very happy to work with The Torres Team. We especially liked their communication, from showings to the closing process. They made everything run smooth and we closed on time. They helped us navigate and they handled the small repairs that were needed from our buyers inspection. We had a pleasant experience from everyone we encountered from their organization during the process.
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- Caroline
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Gina was a pleasure to work with in buying our new home and selling our current home. She was extremely helpful every step of the way. I would highly recommend her to anyone buying or selling a home.
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- Gina K
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I cannot thank Gina Allen enough for helping with the purchase of my forever home! Gina was a great resource and able to calm my nerves when they got the best of me. I've recommended her and the entire Torres Team to everyone I know who needs to buy or sell their home.
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- Katie
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Zack Cregeen went above and beyond when selling and assisting us in finding a new home. He was sold our house in 2 days. Zack was very professional during this entire process. THANKS REMAX & ZACK
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- Brent
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I worked with Gina Allen and she is the best realtor I have ever worked with (and I used to work in real estate.) she was patient and listened and kept reminding of what is important. We put her through her paces with how many times we changed our plans. I couldn’t be more thrilled with the service.
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- Jennifer
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We worked with Patrice Noble and she was SUPER helpful during this very hectic 2021 housing market. Very thoughtful and responsive.
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- Emily
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Gina Allen made my home buying experience very easy and fast! She worked quickly to help me put an offer on my house, and thanks to her, I was able to close on my house in only a couple weeks! I am so appreciative for all of her help, and I would highly recommend Gina to anyone looking for a realtor who always has their clients’ best interests in mind.
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- Katlyn
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We purchased a home in the summer of 2020 on the front end of the pandemic. We had purchased and sold homes in the past, but always on our own. When looking for a new home, we decided to see what a realtor had to offer. And my gosh were we blown away. Zack Cregeen with RE/MAX was INCREDIBLE. From multiple walk throughs, to answering a million questions and hitting the negotiation table hard for us, we could not be happier with the level of service received. We have never felt better about the purchase of a home. I highly recommend the Torres team!
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- Emilie
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Zack is amazing! He answered all our questions and was there day and night when new questions came up. The process went smooth and our house sold within hours before it ever hit the internet. I would highly recommend Zack to anyone!
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- Heather
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I reached out to my realtor based on a prior recommendation, and the experience for a first-time homebuyer was incredibly easy. Availability, the ease of communicating, finding options for homes to tour, recommending services, and handling all the paperwork was seemless. Answered all my questions as well as teaching me other intelligent questions to ask. This process was much more fun than I expected.
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- Dylan
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He (Braden) was very professional and got the job done!
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- Alyssa
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I worked with Ismael with the RE/MAX Torres Team on a transaction and had a great experience. He was patient and hard working and always communicates along the process. Thank you guys for helping me purchase my home.
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- Veronica
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Working with the Zack as my realtor was fantastic. I saw a listing online and they were able to show me the home almost immediately. Zack was very responsive and went above and beyond with communicating updates. As a first time homebuyer, the process can feel overwhelming, but he was available to answer any questions and help.
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- Rachel
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We have worked with Patrice on numerous occasions to buy/sell and have always been more than happy!
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- Sarah
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Mark Meeks who works under Shane Torres' team was phenomenal in helping me purchase my first home step by step. Even after I closed on my home, I am still able to keep in touch via text/phone call/email with questions and comments with my agent Mark Meeks. Thank you Torres Team :-)
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- Sanka
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My family sold our home and bought a new one with the help of Ayeesha Ali and the RE/MAX Concepts team. They were awesome - friendly, helpful, and incredibly knowledgeable. Would absolutely work with them again and recommend them to anyone in need of an agent.
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- David
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Gina Allen helped us buy our home, and I could t be happier. Gina is personable, responsive, and absolutely wonderful to work with. I couldn’t be happier with the service we received, and I would absolutely recommend her to anyone.
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- Stacey
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Zack helped us sell and buy our home. He was always there to answer any questions we had and got back to us promptly. He also did a great job of easing any anxieties that I had. You also can’t beat that they offer you a trailer to help you move. 10/10 recommend Zack and the RE/MAX team.
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- Brittany
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Ayeesha with the RE/MAX Torres Team is so nice to work with. Attentive, professional and is there when you need her. Great experience again with this whole organization. I buy properties and always use them!!
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- Shawn
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We recently worked with Andrew Bruellman on selling two properties as we were moving out of state. Not only was he enjoyable to work with, he was extremely knowledgeable and did a great job in guiding us through the process. He was honest and transparent, provided great communication and was always willing to step in and help us which we greatly appreciated as we had a lot on our plates. I would highly recommend Andrew and am so thankful that we chose him to work with!
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- Katie
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Zack Creegen made the home buying experience pain-free and seamless. Absolutely recommend to anyone looking!
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- Bradley
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Patrice did an amazing job helping me get my house in less than a week! She is knowledgeable and easy to work with! I recommend her to anyone buying or selling in the area!
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- Cole
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Great overall experience. Realistic listing price. Feedback throughout the entire process. Attention to detail. Exceptional customer service by agent Trevor Gearhart. Thank you all so much.
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- Michael
DMAAR: Des Moines Area Association of REALTORS® All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers
Central Iowa Board of REALTORS® All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of the Regional MLS Alliance. Real estate listings held by brokerage firms other than Vantage Team may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.
Last Updated: April 7, 2025 12:54 PM UTC
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating
