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Bob Brandt R…, Real Estate Pro in Schaumburg, IL
Bob Brandt Re/Max 847-274-3193 answered:
I closed on a home in Nov 2014. The previous owner was paying a 6% property tax due to him renting it out.
Unless there is a special clause or agreement about it in the contract or at closing, it is yours.
It is important to check and make sure you get all the real estate tax exemptions tha ... more
0 votes Share Flag Sun Jan 18, 2015 Home Buying in 60403
Bob Brandt R…, Real Estate Pro in Schaumburg, IL
Bob Brandt Re/Max 847-274-3193 answered:
Help! Where can I find an affordable apartment (under $1000/mo) in IL that is nice, but does not have amenities (I don't use any of the extra stuff)?
Your Realtor could tell where the best local choices are. Go meet with them or call one today for help.
0 votes Share Flag Tue Oct 28, 2014 For Rent in 60435
wjsloans, Real Estate Pro in Saint Charles, IL
wjsloans answered:
I'm at the end of my divorce and we have sold our home. My closing is at the end of the month and so is my divorce.Can I find a agent to work with me?
Hi. I specialize with divorced clients looking to buy their next home. My name is James Smith and I work with STC Capital Bank in St Charles, a local lender that understands your partic ... more
0 votes Share Flag Wed Oct 8, 2014 Home Buying in Crest Hill
Patty Harris…, Real Estate Pro in Naperville, IL
Patty Harrison 630-854-3459 answered:
Hi, My credit scores are currently around 666. My wife and i are first time home buyers . Problem is we don't have the standard 20% down payment.
Hi John:

Lenders do not require you to have 20% down. If you are a Veteran or in a Rural designated area, you can get 100% financing. With your credit score, we would be able to he ... more
0 votes Share Flag Wed Sep 10, 2014 Home Buying in 60435
Suzanne MacD…, Real Estate Pro in 07856
Suzanne MacDowell answered:
I am closing on my house August 29, 2014 I don't have a mortgage on my house and I pay my property tax in four installments, do I pay at closing?
There will be an adjustment on the settlement statement so that both you and the buyer will pay the property taxes, on a per diem basis, for the time you actually owned the house.
0 votes Share Flag Fri Jul 18, 2014 Home Buying in 60403
Jeff Nobleza, Real Estate Pro in 60640
Jeff Nobleza answered:
When is a short sale under contract? When the seler accepts or when the bank accepts?
have you asked for advice from your real estate broker?

Your real estate broker should have explained the process prior to your writing up an offer.
0 votes Share Flag Sun Jun 15, 2014 Home Buying in Crest Hill
Brian Kurtz, Real Estate Pro in Plymouth, MI
Brian Kurtz answered:
Anyone have a lead on an investor who could buy a home and hold the mortgage for a year, rto, or land contract it back to us?
Do you have a sizable chunk of money to put up as a down payment on a land contract? Hopefully you saved all the payments you were not making on the house and set them aside for just t ... more
0 votes Share Flag Wed May 14, 2014 Financing in 60403
Matt Persick…, Real Estate Pro in Shorewood, IL
Matt Persicketti answered:
Have you used this Inspection Company and would you reccommend them...
I have had multiple clients use Accurate Home inspection of Illinois and I would highly recommend them! Thorough, polite and exceptionally informative.
0 votes Share Flag Mon Feb 17, 2014 Home Buying in 60435
Ashley Pimen…, Real Estate Pro in Illinois
Ashley Pimentel answered:
How long should my husband and I wait after bankruptcy to get a small home loan around 100,000 with 10% down and our credit scores are in mid 600's?
Hello Kim,

Unfortunately for a Chapter 7 Bankruptcy, you would have to wait until it has been 2 years from the discharge date. Feel free to contact me with any other questions.

Th ... more
0 votes Share Flag Wed Jan 15, 2014 Home Buying in 60435
Suzanne Hami…, Real Estate Pro in Orland Park, IL
Suzanne Hamilton answered:
How long should my husband and I wait to get a small home loan around 100,000 with 10% down and our credit scores are in mid 600's?
Kim

Why wait? Interest rates are only going to increase slightly and so will prices. Now is the time. You should be able to get a loan under those circumstances.
0 votes Share Flag Wed Jan 15, 2014 Home Buying in 60435
ayamemech, Home Buyer in Las Vegas, NV
ayamemech asked:
is it safe for a woman to live in this area? This question was asked from http://www.trulia.com/property/3084329370-1510-Pioneer-Rd-5-Crest-Hill-IL-60403
0 votes Share Flag Sat Dec 28, 2013 Crime & Safety in Crest Hill
Ashley Pimen…, Real Estate Pro in Illinois
Ashley Pimentel answered:
I would like to know when can I purchase a home after short sale? It will be 3 yrs June 2014. Can I qualify for conventional or FHA? USDA?
Hi Marie,

If your short sale was due to a loss of income 20% or more, for 6 months before the short sale and now have re-established credit for 12 months you may be able to qualify f ... more
0 votes Share Flag Sat Nov 9, 2013 Home Buying in 60435
Peter Kedzior, Real Estate Pro in Arlington Heights, IL
Peter Kedzior answered:
We have a bk that is 2yrs discharged a short sale that is 18 months ago, we would like to purchase a home. How much would we need to put down?
A client of mine was able to obtain a mortgage just 26 months after bankruptcy discharge and less than 3 years after he lost his previous home to foreclosure. So, you have a chance of g ... more
0 votes Share Flag Tue Sep 17, 2013 Home Buying in 60435
Peter Kedzior, Real Estate Pro in Arlington Heights, IL
Peter Kedzior answered:
What is the customary fee for an agency to rent your home for you?
A fee equal to 1-month rent is what many brokers are willing to accept in Illinois but, as my colleagues correctly pointed out, there is absolutely no customary fee and all brokerage co ... more
0 votes Share Flag Tue Sep 17, 2013 Home Buying in Crest Hill
Mark Reum, Real Estate Pro in Crest Hill, IL
Mark Reum answered:
what schools will my kids go to (elementary, middle, high). How good are they?
Hi, That looks like it is in the Plainfield school district and should be Crystal Lawns for elementary, Timber Ridge for middle school, and Plainfield Central for high school. It's a ... more
0 votes Share Flag Tue Jun 11, 2013 Rentals in Crest Hill
Michael Sims, Real Estate Pro in Joliet, IL
Michael Sims answered:
What is the catch with companies that advertise they will buy our "unsellable" home quickly and painlessly?
Jen,
There are a number of stipulations that LICENSED brokers have when listing a house with a guaranteed purchase plan. Basically the purchase price must be stated in listing agreeme ... more
0 votes Share Flag Mon Mar 25, 2013 Home Selling in 60435
Michael Sims, Real Estate Pro in Joliet, IL
Michael Sims answered:
how does homestead apply, where a widow was never on any title, loan or document as an owner? The house is
The best thing you can do is check with an attorney who handles family law and real estate. It is fairly easy to check the local county recorder to see if she has any recorded interest ... more
0 votes Share Flag Mon Mar 25, 2013 Quality of Life in 60435
Riccardo War…, Real Estate Pro in Downers Grove, IL
Riccardo Wardlow answered:
My husband and I would like to purchase a home but have bk discharged 2 years and short sale for a 17 months. We would like to know is it possible to
2 years after that BK. As far as the short sale goes, it depends on how it reports on credit. If it is reporting as a foreclosure then you are going to have to wait 3 years past the dat ... more
0 votes Share Flag Thu Jan 24, 2013 Home Buying in 60435
Patty Harris…, Real Estate Pro in Naperville, IL
Patty Harrison 630-854-3459 answered:
Can someone please tell me about non-conforming loans? My husband and I would like to purchase a home.
Hi Marie:

I am a local broker and may be able to help you. We work with lenders that will go as low as a 580 score. Please call or email me to get started.

I look forward to wor ... more
0 votes Share Flag Tue Jan 22, 2013 Home Buying in 60435
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