Northwest Suburbs of Chicago

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Homeowner Insurance, What You Should Know

As a new home owner, or someone that has owned a home before, one thing that can spoil your day, is the thought of buying homeowner’s insurance. If it isn’t the price quotes that get you, it’s the fact that homeowners insurance can become confusing to many people. With all of the rules, the prices, what is covered, what is not covered, and what can happen if...Homeowners find the task…

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How a CMA Can Help You as a Buyer

What is a CMA? A CMA is a Comparative Market Analysis, which is an analysis of homes similar to the ones you are considering for buying or selling. What it does is examine recently sold homes, also called comparables, that feature similarities to those you are checking into, or interested in. It is beneficial to both sellers and buyers, for several reasons we will examine here, focusing on how it…

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Renting Vs Buying, Which is Better?

This is an interesting question because the answer often lies in your personal preferences. Part of the American dream used to be wanting to be a homeowner, but this has changed since the Great Recession from 2007-2009. Since that time, renting a home instead of buying has increased and continues to do so. Real estate is a booming market, and has been for several years, yet why are some people…

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How Do You Handle a Final Walk-Through with a Client? Do You Use a Checklist?

One of your final tasks as a home buyer is to walk through the new house one last time before signing any papers. While this step may not seem necessary to you since you’ve done everything else and are ready to sign the papers and get your new keys, trust us when we say that this step should be taken very seriously. If it is not something you can do,…

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Are We Headed for a Recession?

Are We Headed for a Recession? For those of you who don’t know what a recession is, I have a simple explanation. It’s a period of temporary economic decline during which trade and industrial activity are reduced, generally identified by a fall in GDP in two successive quarters. In our lifetime, most of us have lived through at least 3 or more of these. It’s a healthy pullback. Why is…

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Home Value vs CMA vs Appraisal

  Home Value Where to get home valuation? Online on real estate websites. IE. propertyup.com/home-value What is home valuation is good for? General knowledge of home values only. Is home valuation good as a listing price? No. Valuation is very generic and doesn’t take into account home's individual features or condition. Is home valuation good for property tax reduction? No, generally it is not accepted. Comparative Market Analysis (CMA) Where…

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Full-Time Agent or Part-Time Agent

Want to sell your home? Get a FREE home value report. Want to buy a home? Search all homes for sale.   Check our Home Sold Guarantee. [caption id="attachment_5855" align="aligncenter" width="300"] How to select an real estate agent? Part time vs Full Time[/caption] There are many choices to be made when choosing a Realtor to help with a sale or purchase of a home, and one of the things to be considered is the…

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HOW DO PROPERTY TAXES EFFECT YOUR MONTHLY PAYMENT?

Property taxes can vary greatly from one city, township or village to another. It is necessary to calculate the taxes on every single home that a buyer considers in order to know how they will impact the home payment. Basically, however, if property taxes are $1200 per year it would add $100 per month to a house payment. If they are $12000 per year, it would add $1000 per month…

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WHAT IS THE DIFFERENT BETWEEN BEING PRE-QUALIFIED AND PRE-APPROVED FOR A MORTGAGE.

Being pre-qualified is a very quick process based on telling a lender your income, and a brief synopsis of your bills and a credit check. If all those look good a lender would pre-qualify you. Pre-approval goes a little deeper into the process, an application is madeand the lender makes sure that what you've presented is true, looks at check statements, sees W-2s, and is a deeper level of assurity…

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IS IT BETTER TO RENT A HOME OR BUY ONE?

This is an interesting question because the answer often lies in your personal preferences. Part of the American dream used to be wanting to be a homeowner, but this has changed since the Great Recession from 2007-2009. Since that time, renting a home instead of buying has increased and continues to do so. Real estate is a booming market, and has been for several years, yet why are some people…

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