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Crete : Real Estate Advice

  • All42
  • Local Info3
  • Home Buying6
  • Home Selling0
  • Market Conditions6

Activity 19
Tue Nov 1, 2016
Jeff Nobleza answered:
yes, it is possible and I have the right lender for you. In addition, you may even qualify for downpayment assistance in the form of a grant.

please message me

Jeff Nobleza
@ Properties
1821 Benson Avenue
Evanston, IL 60201
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0 votes 1 answer Share Flag
Mon Apr 4, 2016
Sally Grenier answered:
If you can qualify for a second mortgage, then I don't see why not?! That means you'll have to have downpayment $$ for the new place and be able to pay for both mortgages, in case you aren't able to rent it. The lender may even want you to show you have XX months of reserves in the bank. Only way to know for sure is to talk to a lender and discuss everything. ... more
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Thu Sep 25, 2014
Sally Grenier answered:
Do you mean the purchase price? Next question -- why do you need to change it? Did you purchase it recently? What's important is what shows in public records and on your settlement statement. These so called real estate websites are really just marketing sites and a way for them to make money on us Realtors and lenders. They pull listings from various sources, such as local MLSs, public records, etc. The listing you see is probably an old record. Then they charge us money to advertise our own listings, or to get the leads from them! I wouldn't put too much stock in the data you see here. Trulia is notorious for having old, outdated info.

Good luck to you!
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Thu Jul 17, 2014
Synthia Noble answered:
Just wondering if you have considered purchasing a home. in many areas it is cheaper to buy a home than rent. there are several down payment assistance programs that are available in Illinois that can give you $6,000, $7,500 or even $10,000 towards your down payment. In some programs you only need to bring $1000 of your own money to closing! IHDA is offering many incentives to home buyers, interest rates are low and you can still find bargains. great time to buyer if you plan on being in an area at least a few years. let me know if you have questions ... more
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Thu Jul 17, 2014
Synthia Noble answered:
generally, bedrooms, family room, living room, kitchen, bonus, den, office, etc. Usually room count does not include bathrooms, closets, unfinished space. Your buyer's agent should be able to answer these sort of questions for you. If you are looking to purchase a home it is best to find one agent to work with you. In most situations the seller pays realtor commissions, so you get a high level of service with no extra cost. ... more
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Mon Apr 28, 2014
Dan Tabit answered:
Steve,
A couple of things to consider. While you are living in the home, you may be able to legitimately obtain an owner occupied mortgage. Once you move out and convert it, this is gone. Rates and terms are more favorable this way. If you later convert it, lenders aren't as concerned, but check with your lender to be certain.
Next, a balloon note must be paid off when it matures, but you can also pay them off early in most cases. Depending on your current equity and credit, it may make sense to refinance sooner rather than later. Rates are attractive now and as an owner occupant you'll have more options.
Meet with a lender right away and explore your options before any decisions are made.
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Sun Mar 9, 2014
Jeff Nobleza answered:
Engage a real estate broker from Baird and Warner. They have offices in Orland Park and Frankfort. Their mortgage arm Key Mortgage is great too. You can call Bernard Duganzic for financing at 847 508 0190 ... more
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Sun Mar 2, 2014
Synthia Noble answered:
I live in Crete (downtown) and my office is on Steger Road, near 394 in Crete. So I am very familiar with the market. there are some different areas with different pros/cons. Golf course vs. historic neighborhoods downtown vs more rural areas on the south or west edges. let me know if you have specific questions or properties in mind. ... more
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Sun Aug 11, 2013
Synthia Noble answered:
UPDATE - just this week we received approval of a loan modification from Harris on our first mortgage. they went from a 10 year to a 40 year mortgage and dropped the rate. the only hitch is that the program is temporary - it follows the obama guidelines. In six months Harris hopes to have their permanent program in place and we have to apply again. In the meantime we get to stay in our house - it only took 9 months to get the loan modification. ... more
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Fri May 31, 2013
Kelly Karczmar answered:
There are significant ramifications to adding new parties to a deed. For example, if they have any issues with creditors that lead to judgments, then liens could be placed on the property. In certain instances, such a lien could result in a forced sale of the property. There could also be tax implications. Consult an attorney before making a decision of this magnitude. ... more
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Sat Mar 23, 2013
Synthia Noble answered:
24510 Timberline is in the Crete/Monee schoold district (there is only the one high school - Crete -Monee). I am a full time REMAX agent that lives and works in crete. let me know if you have questions or need anything to facilitate your home search. feel free to use my website to set up your own searches, it is updated daily. ... more
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Mon Jan 16, 2012
Suzanne Hamilton answered:
University Park is the nearest Metra station. It is the IC line and goes to Michigan Avenue in downtown Chicago. Same line goes through most south suburban area and can get downtown in about 1 hour. ... more
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Thu Jan 5, 2012
Ranj Mohip answered:
Taxes are based on the assessed value. The assessed value is based on numerous factors. You can challenge the assessed value at the Assessor's office. On my tax appeals in Will County, the Board of Review will rely heavily on a recent appraisal.

Attorney Ranj Mohip is a Chicago real estate attorney. The information in this answer is general information and is not intended as legal advice. Further, answering this question or otherwise contributing as a member of Trulia.com does not create an attorney-client relationship. Remember--consult the best real estate attorney in Chicago or in your respective area. Contact us at http://www.ranjmohip.com for more information.
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1 vote 3 answers Share Flag
Thu Dec 22, 2011
Steve Smither answered:
Jose,

The posts below are very true.
We would need a few questions answered to give you an accurate number.
Also remember that when the lender calculates the payment they will include:
Taxes, Home Owners Insurance, any association fees as well as monthly PMI.
Good luck in your purchase...

Steve Smither
Senior Loan Originator
Midwest Equity Mortgage
847-942-5151
ssmither@ardain.com
www.facebook.com/chicagomortgagerateinfo
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Thu Sep 1, 2011
Synthia Noble answered:
There are certain instances when a seller will entertain offers from investors only after a certain waiting period (such as fannie mae houses). Generally, when the house goes on the market, seller's want offers!

Hopefully you are working with a qualified buyer's agent to help you through the process of purchasing real estate. It is important to have a professional on your side. If you haven't found someone yet, interview a few agents you find through referrals or from this website. Talk over coffee (there is a great coffee shop right downtown Crete!), find out how long the agent has been in the business, what is their background, are they full time, do they know your area of interest, etc. Treat finding an agent like hiring someone to help you with one of the most important purchases in your life (except your are not paying the agent since realtor commissions are typically paid by sellers).

I am located in Crete and would welcome the opportunity to buy you a cup of coffee and learn more about your real estate goals. Check out my website if you want to search the mls - http://snoble.illinoisproperty.com
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Wed Sep 8, 2010
Synthia Noble answered:
I havent heard that rumour either. Best way to find out is to call the country club and ask.
708-758-1811 is their number
0 votes 2 answers Share Flag
Sun Feb 7, 2010
Susan Rossi answered:
Extensive statistics including sales volume, number of homes sold, average days on market and months' supply of inventory is available through the Multiple Listing Service, using software called AgentMetrics. I have access to all of that information and will be happy to send a report for Crete (which is broken down monthly for the past two years). The report will come in a .pdf file and includes charts for easy interpretation. Just send me an e-mail at remax4houses@aol.com and I'll get it to you within 24 hours. ... more
1 vote 3 answers Share Flag
Mon Jun 15, 2009
Synthia Noble answered:
Hi Levita, I am a real estate agent in crete. drop me an email or call if you want some info on crete rentals. prices vary based on your criteria synthianoble@gmail.com 312.399'6729
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