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60124 : Real Estate Advice

  • All7
  • Local Info0
  • Home Buying3
  • Home Selling0
  • Market Conditions0

Activity 73
Fri Jul 5, 2013
Geoff Ommen answered:
Terry

I looked into building there a few years back when I moved to the area. Difficult to articulate the potential pluses/minuses on this board. Please contact me to discuss further.

Geoff Ommen
Broker Baird & Warner
847-271-2622
Geoff.ommen@bairdwarner.com
www.geoffgetsit.com
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0 votes 7 answers Share Flag
Sat Apr 27, 2013
Eileen Kelsall answered:
Hello Ling,

If you are interested in having a search set up for the latest properties available within my multiple listing service, please let me know of your minimum requirements, such as minimum # of baths, # car garage, and basement requirements you may have. If you have any pets, please let me know of their type and I can specify in the search to find homes which will accept your pets. Please include the desired city locations and your maximum price range. I understand you are looking for a 2 bedroom. I would also need your first and last name. I would be happy to help you in the search for a new home. ... more
0 votes 2 answers Share Flag
Mon Apr 1, 2013
Sue Stalzer answered:
There are plenty of available rentals in Elgin. Feel free to call me directly at 630-345-7767 so we can discuss your needs and what is available.
0 votes 2 answers Share Flag
Fri May 31, 2013
Maria Ascencio answered:
Kathleen,

For an accurate market analysis of your home, I suggest you have a professional visit your home and provide you with the most accurate comparables. I would love the opportunity to help you.

Hope to hear from you soon.

Maria Ascencio
RE/MAX Platinum
(630) 945-0139
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0 votes 8 answers Share Flag
Mon Mar 18, 2013
Bart Sitzberger answered:
Whatever county the home is located in, you will pay tax on what their valuation of the property is assessed at. For example, if the home is assessed at 410k as your question suggests, then you pay property tax based on that property valuation. ... more
0 votes 3 answers Share Flag
Tue Feb 5, 2013
Riccardo Wardlow answered:
You can always talk to another insurance company to serif they would require the same repairs.


Sean Cochran
Quality Mortgage Lending
www.qmlending.com
630-330-2229 cell
630-470-6830 office ... more
0 votes 2 answers Share Flag
Mon Feb 10, 2014
Dan Tabit answered:
Fatal,
If you are currently in BK, any new loans would need to be approved by the court as well as the lender. Generally you must wait 2 years or more post discharge plus have re-established credit.
I say generally because the only one who can approve or deny your application is a Lender who has reviewed your situation more completely than you can supply here.
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0 votes 7 answers Share Flag
Mon Jan 7, 2013
Mack McCoy answered:
Wed Jul 24, 2013
ling answered:
I'm looking for 1 apartment with 2 bdr , it's better nearbuy Elgin Academy
0 votes 4 answers Share Flag
Thu Dec 20, 2012
Nancy Eisele answered:
Although you mentioned the purchase price, you didn't mention the amount of the outstanding loan. Is it a safe assumption that you have little if any equity due to the decline in the housing market? Every seller's situation is different and there is no "one size fits all" in real estate issues, so i ask a lot of questions and try all angles. Can you rent the condo? Check with both your homeowners association rules and your refi documents to see if this is an option. If so, I will be glad to give you an idea of what you can reasonably expect for a rental income. If the rental income can cover your monthly expenses, including association fees, that might be an option. It is possible to buy a home for very little down and also to potentially get your closing costs covered by the seller. Of course, you would have to qualify based on your income and credit history. If the purchase of another property isn't an option at this time
, you might want to consider becoming both a landlord and a tenant. I work with a group of investors who work purchase rent to own properties for tenants. The best part is, the tenants actually get to select the property that they will rent until they are able to own it! Call me at 630 776-1410 for more information or ideas for your solution.
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0 votes 1 answer Share Flag
Fri Dec 7, 2012
Connie & Sheila answered:
From the website http://realestatescorecard.com/community-reviews-rankings/providence-mount-juliet-tennessee

"Location, location, location defines Providence. You can leave your car at home and walk to brand name shopping, excellent restaurants, doctors, a movie theater and more from one of Providence's eight charming Nashville neighborhoods. The Providence MarketPlace is one of Nashville's best shopping malls in Mount Juliet. There are only a handful of communities on our website who can truly boast about a daily lifestyle without the need to own a car.

Situated on the east side of Nashville, Mount Juliet has become one of Nashville's fastest growing suburbs attributed to quick highway access on Interstate 40 and the Middle Tennessee RTA rail system's stop in Mount Juliet. Named the Music City Star, this commuter train stops daily in Mount Juliet on its way to and from downtown Nashville.

Among the 8 Providence neighborhoods stretching across 1,000 acres, you can find single family homes, townhomes, adult 55+ living and apartments. Del Webb's Lake Providence 55+ adult community has its own private amenities. Each neighborhood has its own style; pastel colored cottage homes, mountain rustic architecture, Lowcountry homes with wide front porches or classic Craftsman homes. About 50% of the community is built out to date. There are six approved home builders at Providence in Mount Juliet; Beazer Homes, Phillips Builders, Parkside Builders, Drees Homes, Celebration Homes and Live Jones Live Green. Several of these are Energy Star green builders. Affordable townhomes are priced in the low $100k's, cottage homes in the mid $100k's to larger single family homes beginning in the mid $200k's. Both young families and retirees will appreciate the low cost of living in Tennessee thanks to no state income tax.

Wide nature trails connecting all the neighborhoods together lead you to the welcoming community parks and the Providence Swim Club. The trails are safe places to walk your dog, jog or bicycle off the main roadway. The Providence Swim Club has a clubhouse, resort-style lap pool, children's pools and a water slide for families to cool down and play on hot summer days. A large children's playground is adjacent to the Swim Club. Become a member to read what property owners are saying behind the scene about their community. Property owner scores and comments are updated daily. Master planned communities are added weekly to our website. Our real estate score for Providence Mount Juliet Tennessee is 82.

When you travel to see homes for sale at Providence Mount Juliet Tennessee, let us know if you would like to know which are the best hotels in Nashville Tennessee. Or maybe you would prefer to stay at a Bed & Breakfast? We are happy to share our secrets with you, to make your search more enjoyable. We can quickly share with you which restaurants are award winning in Nashville Tennessee - the ones you won't want to miss."

Cheers!
Connie & Sheila
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0 votes 4 answers Share Flag
Mon Dec 5, 2016
Jennifer Kinzle, e-PRO answered:
Hello
This is a question I hear a lot and as a Realtor, I have to advise that you talk to a mortgage or loan officer first. I have heard of low credit scores being difficult to work with, but not out of the question. Depending on the amount of your down payment and length of time on your job, you may still be able to qualify for a loan. They may also have tips you can use to quickly raise your score. If you like, give Steve Smither a call at Ardain. 847-942-5151 or email him ssmither@ardain.com.
Best wishes on your new home!
Jennifer Kinzle
... more
0 votes 11 answers Share Flag
Wed Mar 6, 2013
Gino Metallo answered:
They do come up for rent from time to time. If you are looking for a place to rent I have a Three Bedroom single family house (State Street) in South Elgin and a 3 Bedroom single family house in Elgin (Wing Park Blvd). ... more
0 votes 3 answers Share Flag
Thu Nov 15, 2012
Teresa Stultz answered:
Wed Nov 28, 2012
Eileen Kelsall answered:
Hi Wendy, I have found some short term leases available in Elgin. If you would be interested, please contact me and I can email you the listings and schedule showing appointments for you. ... more
0 votes 1 answer Share Flag
Sun Oct 7, 2012
Maria Cipollone answered:
The current U.S. housing market and national financial crisis has caused that lenders are much precocious about giving mortgage loans than they used to be. Buyer's lender may charge you a higher interest rate which is normal in a investment property compare with owner's occuppied residences. And, if this is not enough, buyer can have so many liability issues. They will have to incur in extra expenses like hiring a lawyer to prepare the lease and get rental insurance to cover any property damages.
Is too much risk and expenses to do so. The best solution in my opinion will be pospone the closing until the sellers are ready to move out and keep on with their life in another property.

Best of Luck,

Maria Cipollone

www.Flahomespecialist.com
... more
0 votes 2 answers Share Flag
Mon Oct 8, 2012
Melissa Kampschroer Leetzow answered:
Judith

I have studios available on the Square in Woodstock at $600 per month. They don't last long at that price! Give me a call if you should want to take a look.
0 votes 1 answer Share Flag
Sat Oct 6, 2012
Melissa Kampschroer Leetzow answered:
Hi Jesse

Your best bet is the speak with a lender. I would be happy to provide names that could help. They would be better off in assessing your qualifications for a mortgage. Then we can search for that home for you. ... more
0 votes 3 answers Share Flag
Wed Jul 11, 2012
Edith Karoline Jasser answered:
I am assuming that your questions refers to either buy a home o rent ..... now this depends very very much on the location, assuming you are looking in Elgin.... and how large a property you need....

Then would this be your first home, you will have to understand that you will have to do repairs to a home, as you go through the years of ownership, you need a nice amount of down payment to buy a property, you need to get a loan, therefore a lender has to pre qualify and then pre-approve you, your credit, your income and your other obligations like car payments are all taken into consideration to
determine how much money you can borrow and therefore the purchase price! Then you can think if
what you can afford to buy fits your needs.

So it very much depends on your financial standing, and also for how long you want to stay in the home, once you buy it.... Since there are so many things to consider and think about, you should never do this on your own, you need an experienced Realtor on your side to as well as a good loan officer, and between the two of them they will guide you to the full understanding of the process and also figuring out, what you can rent and for how much and what you can buy, closing costs, maintenance costs, taxes and loan payments and association fees if you should consider buying a condo or townhouse with an association.

If you need the recommendation of a good Realtor in Elgin, let me know and I gladly recommend
a good partner agent to you as well as a good lender, so that when you decide what to do you will
be making a very well educated decision.

Let me know how else I can help. :)

Sincerely yours,
Edith YourRealtor4Life & Chicago and Northern Illinois Expert
Working always in the very BEST interest of her clients, Buyers, Sellers and Investors alike....
Covering for @Properties the city of Chicago, all N and NW suburbs, the fine homes on the
North Shore, and many of the W and SW suburbs, and with her trusted Partner Agents all of
the US and worldwide properties. Edith speaks French, German, some Spanish and other.....
@Properties, 30 Green Bay Rd, Winnetka, Illinois 60093 ---- EdithDoesItRight@yahoo.com or EdithSellsHomes@gmail.com Check out my website at htttp://www.tinyurl.com/MeetEdithHere
get to know me better and learn about my experience, expertise, services available and letters of recommendation of former clients..... Also you can sign up on my site to search for properties in my expanded service area. HAVE THE MOST WONDERFUL DAY :)
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0 votes 6 answers Share Flag
Wed Jun 27, 2012
Roswell Moore, answered:
You really need to talk with a licensed loan originator, first, before you contact a real estate agent to determine how the amount of a loan you would qualify for your purchase. .Look for a local reputable loan originator. Ask co-workers, friends & family who they used. Find someone you are comfortable with who will take their time with you to explain everything.

Please feel free to contact me directly if you have any further questions, I'd be glad to help.

All the best,
Ros

Roswell Moore, CMPS
Certified Mortgage Planner
480-422-5095 direct

We are a Direct Lender, Mortgage Bank where we originate, process, underwrite, fund, AND SERVICE our loans, in-house, with FHA (starting at a 580 score AND still only 3.5% down), FHA Streamline loans (NO minimum credit score, NO appraisal required) Go Green rehab loans, HomePath, Investor Friendly (10 financed properties), VA, USDA, Jumbo, Conventional, plus, we allow Escrow Hold-Backs!
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