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Home Buying in Saint Charles : Real Estate Advice

  • All49
  • Local Info3
  • Home Buying12
  • Home Selling3
  • Market Conditions3

Activity 19
Fri Aug 14, 2015
Murphy Team answered:
Your inspector should have opened and closed all the windows to check their operation. Also, you should have been there to view the inspection. Replacing windows is not really cost effective with respect to energy savings. If the windows are really bad, someone should have called them out even before the inspection. I would have a conversation with the inspector and find out the scope of his inspection on the windows. ... more
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Mon Aug 3, 2015
Noah Seidenberg answered:
Defiantly. If you have two equal offers but one is in cash it will he the stronger offer. The lack of a mortgage contingency always helps
0 votes 5 answers Share Flag
Thu May 14, 2015
Caroline Boye answered:
I also built my home, but in 1989-1990, and I know that the value has decreased. The original trim will be a GOOD selling feature. A lot of it has to do with our outdated kitchen and gold fixtures/hardware throughout the house, as opposed to stainless steal. If you have an updated kitchen and updated bathrooms, you should be just fine. ... more
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Thu May 14, 2015
Caroline Boye answered:
It depends on why you had the short sale. For some reasons, like loss of job due to injury, it is two years. If you had to short sale because you had problems keeping up with payments, it is three years. ... more
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Thu Feb 5, 2015
Caroline Boye answered:
I would start the pre-qualification process now so that you know the price range that you will be able to afford. You want to know what your price range is so that you do not spend valuable time looking for houses out of your price range. ... more
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Mon Nov 17, 2014
007 answered:
My daughter attends North HS and some of her classes have 2 teachers so that might explain the 1/10 ratio you found.
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Sun Apr 6, 2014
John Wright answered:
Hello Bill, I list Freddie Mac HomeSteps properties. No, unfortunately you are not available to use HomeSteps financing for rehabbing a home ( unlike HomePath where you can) Also, there are only two banks that are approved with Freddie Mac for the State of Illinois for HomeSteps financing. This would be NationStar Financial and Regions Bank. If you have any other questions, please reach out to me. Thank you. ... more
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Fri Jan 10, 2014
Gene Mundt answered:
Carl: Because you have quite a few issues feeding into your question and they are complex, it would be best ... prior to giving any comment or reply here ... to get a bit more info from you. That way I could give you a reliable answer rather than conjecture. I would need to obtain a credit report (if you have a copy, that is good) and the address of the property that was included in the bankruptcy to start.
Please .. contact me at your convenience. I look forward to talking and getting to work on you behalf,
... more
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Thu Nov 7, 2013
Brian Nguyen answered:
Yes, it is likely that under your situation that you will need to seek portfolio lenders instead of the traditional guidelines process. There are loans that can fit your situation that do not require income verification. On the other hand, for this loan you will need to have around 30%-40% which can be tough. If you have this available then you will have a much better chance for a loan. Well I hope this helps! Good luck! Brian Nguyen Sr. Mortgage Banker Phone: 949.667.2887 ... more
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Wed Sep 25, 2013
Sharon Mennerick answered:
There is a station right down town St. Charles on 1st Ave and another on Campton Hills Road, just west of Rt 64 & Randall Rd.
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Thu Aug 8, 2013
Rachbowm answered:
I have lived in this community for 12 years taxes have risen approximately 9% a year in my neighborhood. Plan for hefty tax hikes here each year. Even when our appraisals went down they simply raised all the tax rates in order to increase property taxes again. Several of our neighbors have been taxed out of the neighborhood as they planned for normal 3-5% tax hikes and were faced with double that each year. ... more
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Thu Jul 11, 2013
Matthew Roder answered:
You're probably right Bob.......which means they're probably just about ready to buy their next home.
0 votes 10 answers Share Flag
Thu Jul 19, 2012
Laurie Christofano answered:
Yes, counter with those comps and contractor estimates and pictures of the work needed. Best of luck!
0 votes 1 answer Share Flag
Sat Jun 25, 2011
Michael Hobbs answered:
Good Afternoon Rose,

It definitely seems you are doing homework. Congrats. Most homebuyers don't spend much if any time doing research, even of the public records.

While it is true that short sales typically sell for less than a house in a conventional sale (recent statistics indicate at least 20%), there are some market participants that seek to obscure the facts. Be careful.

No matter what you do, I would highly suggest you retain a competent Realtor who is experienced with short sales. If you are inclined to go it alone, consider retaining a certified appraiser experienced in short sales with knowledge of Saint Charles to determine the market value before proceeding. At least you'll what you are dealing with because the appraiser will spend the requisite amount of time and undertaker a greater level of detail than what you've done and perform analysis to arrive at what the appropriate short sale discount and market price.


Michael Hobbs
PahRoo Appraisal & Consultancy
... more
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Wed Feb 23, 2011
Rosalie Hanzel answered:
Would any other area work for you?

Is there a special reason why you need St Charles?

Would appreciate a call? Difficult to work these things by email.

Rosalie Hanzel CRS,GRI

Keller Williams Realty
1450 W Main St Ste G
St Charles, Il 60174
... more
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Sun Jul 11, 2010
Rich Homer answered:
I like subdivision name here in Naples Florida. But if you do not know the area, you will do better finding Realtors that do. Are you looking for lots for sale?
0 votes 10 answers Share Flag
Tue May 18, 2010
Scott Godzyk answered:
Most land purchase will have a 20-30% down payment. You really should meet with a local and trusted mortgage company or bank. They can preqquailify you at no cost and let you know what programs you may quailify for and what teh down payemnt requirements are for land and what the interest rates and terms are. good luck with your purchase ... more
0 votes 1 answer Share Flag
Fri Jan 23, 2009
Bob Sramek answered:
Hi Emily,

I would be happy to set up an automatic search for you on our Multiple Listing Service. It is a program called ConnectMLS and updates you twice a day to inform you of any changes in the market, i.e. price changes, cancellations, new listings, etc. Please feel free to contact me at or by phone at 630.868.6306.

Thank you for the opportunity to work with you.

Bob Sramek @ Your Service sm
RE/MAX Suburban
... more
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Wed Aug 13, 2008
Bob Brandt answered:
Do not forget about seller financing. They may be able and happy to hold all or part of the mortage.
1 vote 5 answers Share Flag
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