Options for Homeowners to Avoid Foreclosure
REINSTATEMENT -
Homeowner requests the total amount owed to bring mortgage payments current and pays it.
FORBEARANCE OR RE-PAYMENT PLAN -
Homeowner negotiates with the mortgage company to allow them to repay back payments over a period of time.
SELL THE PROPERTY-
Homeowner with sufficient equity lists their property with a qualified agent that understands the foreclosure process in their area.
RENT THE PROPERTY-
Homeowner with a mortgage payment low enough that market rent will allow it to be paid converts their property to a rental.
MORTGAGE / LOAN MODIFICATION-
Homeowner negotiates with the lender to modify the interest on the loan, the principal balance, or any combination of these, resulting in a lower payment.
HOME AFFORDABLE FORECLOSURE ALTERNATIVES PROGRAM (HAFA)-
Homeowner qualifies for HAFA and is offered pre-approved short sale terms and cash incentives for relocation assistance.
SHORT REFI-
Homeowner negotiates with lender to refinance a mortgage for less than what is owed on the property.
DEED-IN-LIEU OF FORECLOSURE-
Homeowner returns the property to the lender rather than go through the foreclosure process.
DEED FOR LEASE-
Homeowner returns the property that is FHA-insured back to the lender and leases the property for a twelve month period.
REFINANCE-
Homeowner will significant equity in his/her property and good credit standing refinances their mortgage.
BANKRUPTCY-
Homeowner with significant non-mortgage debt who is unable to pay these debts or his/her mortgage payment files for bankruptcy which liquidates assets and/or reorganizes debt to pay back creditors.
SERVICEMEMBERS CIVIL RELIEF ACT (SCRA 303)-
A member of the military who is experiencing financial distress due to deployment (and can prove entered into debt before employment) qualifies for temporary relief under this act.
HOMEOWNERS ASSISTANCE PROGRAM-
A member of the military or federal employee qualifies for this program which has a variety of assistance programs including private sales, government purchase, and/or foreclosure assistance.
SHORT SALE-
Homeowner has a financial hardship and qualifies for a sales transaction where the lender is willing to accept the payoff of a mortgage for less than what is owed.
Call or email me today if you need any assistance in these options. I can help!
Janene Spencer
Realtor
RE/MAX Platinum
(810) 844-2633 Direct
jspencerhomes@gmail.com email
Testimonials
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Janene Spencer was a delight to work with. She is very professional and right on point with the market. Always was there to answer our questions and concerns. Will definitely be using her services again.
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- Rosario Ochs
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Janene was extremely professional and efficient throughout the process of listing and selling my house. I would highly recommend her to anyone interested in listing their property.
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- Jackie Herbon
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Janene did a great job for us. Always looking out for our best interests.
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- Lance Troop
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Janene is great to work with! I just purchased my third home with her help and throughout all of the buying and selling she has always been extremely helpful. She is always available via phone, text, and email to answer any of my questions or concerns. Janene has also been patient with me as I have searched for "the right one" and I couldn't thank her enough!! If you want a great realtor with years in the business and who really knows her stuff, call Janene Spencer!
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- Amanda Miller
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Janene did an excellent job of selling my parents condominium. She is very professional and follows through in a timely fashion. I would recommend her to anyone who is looking to buy or sell any real estate.
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- Chuck Kaake
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Janene is a great agent. She is quick to follow up on questions and is easy to work with even during a pandemic!! She helped me find a home in Brighton and also sell a home in Royal Oak. She is thorough with her paperwork and prompt in all transactions.
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- Kim
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Janene is great to work with as she is not annoying like most real estate agents in fact she is very personable. In addition, she is very knowledgeable about houses, the process and closing documents. She looks out for her clients! Finally, she returns calls and texted questions right away and was always available to show us a home on our schedule.
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- Chris Peretto
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Janene was wonderful to work with. She made things so easy and manageable in a difficult time. She is very professional, personable and reliable. She works very hard so her clients don't have to. Very smooth and easy process. Thank you Janene!
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- Karen Green
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Janene was the best. Answered all of our questions honestly and always prompt with return phone calls or txt. She made sure we were comfortable with absolutely every step of the purchase of our lake home. It was a pretty stressful time that she made easy and even pleasant. We would her highly recommend her!
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- Bob and Marlene South
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Janene assisted us with purchasing our first house and then selling. Each experience with her was flawless. Her experience and dedication to her clients really shows. I would definitely recommend her to anyone!
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- Hailey S.
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Janene responded quickly (and patiently) to all my questions and concerns. She found our perfect buyer! My thanks to Janene.
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- Anna Dean
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Janene was not the first realtor we interviewed. We had sat down with 2 other realtors before her. Janene stood out among them. She was confident and straight forward. We also felt she was aggressive enough to get our home sold quickly, which we needed to happen. She helped us out way more then I ever thought any realtor would. Always looking out for our best interest and giving us sound advice. She even put up with us and the stress of our move. Thank heavens! I would "STRONGLY" recommend her to anyone that is looking to sell or buy. "Janene really does make it happen." As it turned out, our home was sold within 24 hours of listing it. Thank you Janene.
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- L K Wyatt
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First time home buyer here. Janene was great! She answered all of my questions (and I had a lot!), walked me through the whole process, was timely with her responses, and found me the perfect home. The house is everything I asked for, and more. As a first time buyer, I was nervous about buying a home (especially during the pandemic), but Janene really worked hard to make the process easy for me and to make me feel comfortable. I'll definitely be using her as my realtor again if I ever have to move. Thanks Janene!
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- Lauren Kaufman
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Janene went above and beyond for us over the last couple years while house hunting. She’s a fantastic relator, you won’t be disappointed!
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- Jessica Meadors
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We have used Janene for multiple properties selling and buying , She knows the market very well in the area and has brought in the list price for our sales quickly and efficiently ! The buying experience is always a fun time with Janene , she learns quickly what your desired style and needs are and finds exactly what you are looking for ! Janene is a great communicator and negotiator and gets answers quickly , Highly recommend her and we will continue to use her for future real estate opportunities. Janene is always personable and professional with excellent results ! Nate and Deana
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- Nathan Davis
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Janene was a professional from the start. She provided me with excellent advice and support throughout the selling process. Her knowledge of the area and the market were invaluable and her online presence I believe was the key to my quick, full price contract and my sales success. She was always there to answer questions and help whenever I needed it. Even after there was a big issue with my property just prior to my original closing in April, she kept the buyers in the deal and when my property was finally ready to sell again, we were able to close on my property quickly and without a hitch. If you need a great residential realtor, Janene Spencer is a top choice for the area!
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- Linda Kraljevich
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I loved working with Janene! I recently sold my first home, and while I was new to the process, my realtor made it very easy for me. She walked me through each step of the process and was always available to answer questions. She is personable and very knowledgeable! Her years of experience are a definite benefit to her clients. I won’t hesitate to work with her again in the future.
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- Marissa
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Janene has be wonderful to work with. She is very hard working. I would recommend her to anyone looking to buy or sell. Very knowledgeable, professional and, personable. She truly cares about her clients.
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- Johnathon Rocker
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From the beginning to the finale sale of my home and the purchasing of my new home, Miss Janene did a great Job. Having professional pictures taken, listing the home and easy to get a hold of, either by txt or phone she answers you back quickly. If paperwork needs to be done she has it done expeditiously, I'm glad I hired Miss Janene as my real estate agent, made buying a home, and selling my home go smoothly. Thank You, Doug
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- Doug
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We can't thank Janene enough for all the hard work she put into helping us find our new home and being there every step of the way. She was a strong negotiator on our behalf and really looked out for our best interests. She always gave us advice when it was needed and was very resourceful. We highly recommend Janene for any of your real-estate needs.
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- Pete Burns
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Janene is very professional and also very caring and attuned to her clients needs. She helped me navigate a new home purchase and a sale of my previous home with a toddler and a grandma in tow! She is honest and is willing to work with your schedule. She will stick up for you when she needs to. I would recommend her 10/10.
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- Stephanie Vandenberg
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My husband and I decided to sell our home as well as purchase one all at the same time. Janene was always there to walk us through each step and answer any questions we may have had, and we had a lot! Janene is so personable and easy to talk to. Really wonderful to work with!
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- Stacie Carpenter
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Janene did an awesome job of helping us to find our new lake home. She was patient with us and helped to negotiate a winning bid! We would highly recommend her to anyone!
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- Jeff Meadors
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Janene is a very knowledgeable & competent real estate agent. Her years of experience made selling my condo go smoothly and virtually stress free. She was available to answer any of my questions that I had along the way. I will definitely be calling her again for my next real estate purchase/sale.
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- Diane Soave
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Janene was professional and very knowledgeable in her field. She did a wonderful job selling our home. Communicated well and was very helpful throughout the process.
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- Eleanor Everian
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It was a pleasure working with Janene. She helped us find our first place! She is extremely helpful and knowledgeable and guided us every step of the way.
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- Kristen Rendell
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Janene helped my wife and I purchase our dream home. She helped us through every step of the process and was available for any question or obstacle that came up immediately. Thank you Janene we love our home!
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- Kevin Jeffs
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Janene has been my realtor for a number of years now. She helped me find my first home, sell a home and then found me my lot to build my dream home. I could not have asked for a better realtor. She always looks out for my best interest and always gives me her honest opinion. By farrrrrr the best realtor around and i will always use her and will always recommend her to everyone i know.
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- Kyle Sitarek
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Janene’s was very efficient when selling my cottage at 821 Sunrise Park Street. Her friendliness and kindness is very appreciated when working with the sellers. Negotiating the price of our new home at 5536 Wildwood Drive on Lake Chemung was amazing. Paul and Pat Modreski are very satisfied with Janene’s personal and professional work ethic's.
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- Paul and Pat Modreski
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Buying our first home was a rather sporadic decision for us but Janene jumped right in. Our dream home came on the market, we contacted Janene the same day and had a showing the next. She walked us through the best way to make an offer and held our hands through the entire process. Without her, we would have missed out on our dream property. We are now the owners of an amazing 10 acre hobby farm. Because of Janene, my childhood dreams came true and my horses are now in my backyard!
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- Stephanie Kaye
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Janene has always gone above and beyond for our whole family. She puts her clients first and fights for them and their best interests. We wouldn’t think of using anyone else to buy or sell a home.
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- Nate Dunham
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Janene was outstanding in all aspects. It was clear that she was very knowledgeable, experienced and responsive which made the selling process very smooth. I would recommend her to anyone.
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- Marilyn Reardon
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Janene is a go getter and is so knowledgeable as a realtor. She helped us to find and purchase our first home, and always answered our questions and concerns every step of the way. I highly recommend Janene!
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- Kaitlyn Bengala
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She is the BEST realtor I've ever met! Very useful, resourceful and helpful. Any problem that we encounter she had a solution. Absolutely the best! You will not regret using her as a realtor.
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- Ashley Spencer
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It was a pleasure working with Janene. She helped us find our first place! She is extremely helpful and knowledgeable and guided us every step of the way.
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- Kristen Rendell
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Janene is a top notch realtor! I am an agent in AZ and was buying a second home near my family sight unseen. She video'd a complete tour for me and my hubby. She was sure to point out anything that I needed to see. Negotiation was easy. She's a real pro! She kept on top of closing and made sure there were no delays. We've since seen our home and it's exactly what we expected. Overall, this was a super easy transaction because of her expertise. She is knowledgeable, super responsive (even on vacation), kind.... We couldn't have asked for more! Thank you Janene!
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- Jennifer Stanton
Listing information is provided by Participants of the MichRIC MLS. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed. ©: MichRIC MLS. Last Update September 23, 2026 4:26 PM UTC
IDX provided courtesy of Realcomp II Ltd., via REMAX Platinum and The Originating MLS(found above), © 2026 Realcomp II Ltd. Shareholders. The information being provided is 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.
