Julie Canoura - Resume

JULIE CANOURA
2032 SPICE CIRCLE
NAPERVILLE, IL  60565
(630) 667-3102

www.bankruptcyREO.com
canoura@comcast.net

OVERVIEW

Licensed as a Realtor in 2002.  My in-depth knowledge of a wide area allows me to offer an educated opinion on market value and provide an assessment of market trends for seven counties.  I calculate absorption rate and capsulate enormous amounts of data.  I provide relevant information as it relates to the past, current and future market conditions.

I’m registered with valuation companies and write broker price opinions on properties and list and sell REO properties for Lamco, HomEq Servicing and SingleSource. The BPO is not an appraisal including highest and best value but rather an opinion of what one can reasonably expect to get for the property if it were to be put on the open market. The report combines information from a drive-by exterior examination and interior inspection, previous sale and assessment data, recent comparable sales, current neighborhood listings, assessor information and photographs. The market analysis includes estimate of repairs to obtain fair market value, neighborhood information, and a value estimate in as-is or as repaired condition.   The Supply and Demand charts represents statistical, real-time data and shows market trends from 2006 through 2008 and the in-depth report supports a defendable value conclusion and serves as a final analysis.  Write report updates (30-day status), verify occupancy, secure repair bids and negotiate cash-for-keys.

PROFESSIONAL EXPERIENCE

Charles Rutenberg Realty (Licensed in 2002 – Currently employed)
Realtor Board Education Committee Member – 2005 - Current

Real Estate Agent
A seasoned real estate professional employed with Charles Rutenberg Realty offering the highest standard of excellence and premiere service. I serve my clients by communicating honestly and directly and offer the information they need to make investment decisions.  I know market trends and help customers determine the right time to buy or sell at a sizable profit.  Exceptional at locating not only traditional homes but also animal urban-friendly housing and investment properties.  Track and handle many of the day-to-day needs required to get to closing (inspections, providing mortgage lender contacts, tracking the progress of the loan, working with the attorneys and closing representative) and work hand-in-hand with other agents.  Handle hard-to-sell properties: REOs, preforeclosures and handyman specials.  Assist transferees relocate as well as help first time buyers and renters with the purchase process.  Write market analysis reports on properties for valuation companies and provide statistical data to support my position. 

Preforeclosure and loss mitigation experience. Ability to analyze client information and initiate appropriate action, which may include negotiating modifications, acquiring hardship letters, negotiating short sales and deeds in lieu associated with foreclosure actions. Assist in resolving past due payments.  Familiar with IL law, timelines, forbearance agreements. Capable of writing summaries explaining reason for default and resolution possibilities. 

Examine and compare values on broker price opinions and takes the necessary actions to ensure the values are consistent with location and types of properties. Have established broker/agent/investor networks to facilitate the sale of non-performing assets. Initiate bill paying and reconciliation of invoices from service providers as assigned. Ensure asset preservation, winterizing, minor repairs, cash-for-key and re-key. Secured vendors and control expenses to stay within limits.

Additional experience specific to: