Real Talk Elgin by Heather Keller

Kate Iturralde, attorney and president of Donat & Donat, P.C. (pronounced DON-it)

Bio: Kate Iturralde is the president of Donat & Donat, P.C., a third-generation, family run, law firm focused on real estate transactions and litigation. Kate first started her career in Chicago representing commercial lenders and servicers in contested foreclosure litigation. After a decade of working for the banks, Kate took over Donat & Donat in Batavia, IL and now uses that experience to help clients facing foreclosure. Kate received her law degree from the University of Minnesota Law School.  Kate is a proud badger and received her B.A. with distinction from the University of Wisconsin-Madison. Born and raised in Batavia, Kate now lives in St. Charles with her husband and three children.

Some questions asked:
Segment #1

1. In Easy Language…  What is the Foreclosure Process in IL?
2. When a Potential Client Visits You…  How Do You Approach the Situation?
3. What’s the #1 Thing People Ask When Coming into Your Office?  **How Do I Save My Home?**
4. When Facing Foreclosure…  It is Important Clients Know Their Options…  What Are the Options?
5. How Do You Go About Coming Up w/ the Best Option?
6. After Going Through the Options…  What if Saving the House Isn’t the Best Financial Decision?  What Now?
7. When the Only Option Left is a Short Sale or a Foreclosure, Why as an Attorney Do You Believe a Short Sale is Best vs a Foreclosure?
8. Top 4-Important Steps/Strategies to Deal w/a Bank Before the Default…  (1) Open Your Mail and Answer Your Phone (2) Do Not Assume the Bank Will Fix a Mistake (3) If You Are Not the Borrower, Get a 3rd Party Authorization to Deal w/ the Bank (4) Ask to Escalate a Problem at the Lender if it is Not Being Fixed.

Segment #2 

1. In Easy Language…  What is the Foreclosure Process in IL?
2. When a Potential Client Visits You…  How Do You Approach the Situation?
3. What’s the #1 Thing People Ask When Coming into Your Office?  **How Do I Save My Home?**
4. When Facing Foreclosure…  It is Important Clients Know Their Options…  What Are the Options?
5. How Do You Go About Coming Up w/ the Best Option?
6. After Going Through the Options…  What if Saving the House Isn’t the Best Financial Decision?  What Now?
7. When the Only Option Left is a Short Sale or a Foreclosure, Why as an Attorney Do You Believe a Short Sale is Best vs a Foreclosure?
8. Top 4-Important Steps/Strategies to Deal w/a Bank Before the Default…  (1) Open Your Mail and Answer Your Phone (2) Do Not Assume the Bank Will Fix a Mistake (3) If You Are Not the Borrower, Get a 3rd Party Authorization to Deal w/ the Bank (4) Ask to Escalate a Problem at the Lender if it is Not Being Fixed.

Stuart Swanson, Bankruptcy & Real Estate Attorney from Cutler & Associates.

Stephen Kaempf VP of Sales for LandTrust Title 

Adil S. Mohammed from ASM Law PC discusses foreclosure defense and what you need to do if you’re just thinking about bankruptcy. His advice is to talk to an attorney as soon as you can.

ASM Law PC:
https://asmlawpc.com
(847) 231-3999
1814 Grandstand Place, Suite 2, Elgin, IL 60123

Heather talks with Eric Klein, Managing Broker with KW Inspire about a career in Real Estate and how to become a broker.

In this episode, Heather talks with fellow Real Estate Agent Shaun Israel, also from KW Inspire. He’s her go-to guy when it comes to getting someone into a rental.

One of the biggest questions she gets when she's working on a short sale, for example, is: Can I Find a Rental if I’m Behind on My Mortgage or Filed Bankruptcy. They’ll discuss the answers and more in this episode!

Heather talks about remodeling and staging your home with Kelly Lapkoff, Owner of Rubbish Renewed. 

Heather discusses the importance of home inspections with President of Brick Kicker, Andrew Fox

Heather talks with Mike Dote of Guaranteed Rate. He's the  VP of Mortgage Lending. They discuss Financing and the burning question: Can You Buy a Home After a Short Sale?

Heather talks with Real Estate & Bankruptcy Attorney Stuart Swanson, with Cutler & Associates.