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Saint Clair County : Real Estate Advice

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Activity 98
Tue Feb 23, 2010
Renee Estes answered:
The homes ON the lake, typically have partial ownership/ water rights divided equally amongst themselves. As far as neighborhoods around it, unless there is a subdivision or association outlining the water privileges ...just make friends with those on the lake!

Let me know if I can help you further...Renee Estes, Strano
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Wed Jan 16, 2013
Paul Walker answered:
There are many things that the City of Belleville will be looking for. You may call the city and have them mail you a copy of what they look for.
1) no peeling paint
2) windows must operate and stay open on their own
3) smoke detectors in every bedroom
4) carbon mononide detector within 15 feet of bedrooms
5) Ground Fault Curcuit Interupters (GFCI outlets in bathrooms, above kitchen countertops, outside receptacles, and inside the garage
6) no wire splicing or open electric junction boxes
7) no over fusing inside a fuse box - if curcuit breakers no "knockouts" open, no double lugging inside panel
8) no electric wires exposed (need to be in conduit)
9) door between garage and inside the home must be a firerated door
10) if attached garage the wall that adjoins the home needs to be firerated drywall and if living space above the garage then ceiling must have firerated drywall
11) 3" numbers on the house for 911 purposes
12) if gas furnace and water heater no copper for gas (hard pipe or the new "yellow" flex gas line
13) properly installed "sediment tube or dirt leg" for gas appliances (furnace,water heater)
14) no leaks under faucets
15) toilets must flush and have the "fluidmaster" brand (and not keep running after flushing)
16) no cracked or broken windows
17) need a smoke decector on every level of the home (including basement)
18) No keys needed to unlock an exterior door to get out of the home (in case of fire)
19) garbage disposal needs to have wire in conduit and not exposed under sink

Thats most of them!

Cracked walls? I'm not really sure, but I would try to have walls repaired depending how bad the cracks are, because you cannot have peeling paint, so if peeling then repaint those walls after correcting the cracks.

Many Thanks,

Paul Walker, Broker Associate
Realty Executives of Metro East
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Tue Feb 9, 2010
Corey Grushin answered:
All the parameters for a loan approval have changed. The big banks can cherry pick their clientele The media has made mortgage companies a scape goat in this mess, thus portraying the mortgage representative that doesn't work for a big bank as a villian.
As a realtor you want to see not only the Pre-approval but the actual finding from the automated underwriting system. This means the loan officer really did their job and ran the borrowers loan scenario through an underwriting platform. Then you want to speak with the loan officer to understand the assumptions made (down payment, taxes, insurance payment,...) for the Pre-approval. Don't just accept the pre-approval a borrower walks i with or another realtor presents.
If you don't feel comfortable with the asking these questions, ask a loan officer you work with to verify the information I've mentioned above, that way you can asure your client their home will sell, but their are no guarantees.
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Fri May 24, 2013
Sue Ferguson answered:
Mike, I realize it has been awhile since you've posted this question, but if you want to keep up on what's going on in Caseyville, visit my website and click on the Market Insider tab. Pop in the zip code of any area, and you will be sent a report immediately plus every month afterwards. Is there anything else I can help you with?

Sue Ferguson, Broker
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Tue Jan 26, 2010
Dallas Texas answered:
Simple answer:

You need establish credit or repair credit for lender approval.
Requires 2 years employment
3.5% or more down payment
Debt income ratio in balance
Money close

There could be grants however still requires establish credit.

Speak with mortgage broker for your options.

National Featured Realtor and Consultant, Texas Mortgage Loan Officer, Credit Repair Lecturer
Follow me on Twitter:
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Sat Mar 5, 2011
Pat & Steve Pribisko answered:
From your question, it appears that you bought a For Sale by Owner without using a Buyer's Agent to represent you. I can only give you some initial personal advice, as I do not represent you and I am only licensed in OHIO. The most important word you mentioned is the word "potential." Have you given the Seller the opportunity to retain a structual engineer and licensed plumbing contractor to deremine that there actually are structural and plumbing defects? if there are defects, have you given the Seller the opportunity to repair them at the Seller's expense? Have you evidenced your communications in writing? Before you think I'm a dedicated Seller's Agent, about half of my work is as a Buyer's Agent. I recently had a situation like yours, but the possible defects turned out to be valid structural defects, based upon the report of the expert at the Seller's cost. The Seller paid for the repair of the structural defect and the sale closed on time. My suggestion for you now is to contact a Real Estate Attorney for his/her opinion and recommendations. ... more
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Tue Dec 8, 2009
Sean Dawes answered:
Here in PA and I am almost positive all over, but consult your local realtor or attorney, we run what is called domestic relations. Basically a background check is done to see if you have any outstanding child support owed when you buy or sell.

Just thought I would show this as an example of how the buyer is also checked before a sale occurs. And if this is done, it should be in print somewhere on a form you signed in IL documents.

Sean Dawes
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Fri Oct 9, 2009
Patrick Thies answered:
Hi Skiz,

Here is a link for more information about the program. It will tell you who is eligible and give you the forms you need to apply.
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Thu Oct 15, 2015
Yolanda Hoversten answered:
Hi, Bob! In this market it's important to use all venues available to the agent in order to sell properties and find homes for the buyers. Technological advances have made marketing and research easier for the real estate professional. As you found out, Trulia is one of them. Perhaps when you interview real estate agents, you might want to ask them how they find properties (if you're a buyer), or if you're a homeowner trying to sell your home, ask how the property will be marketed...and then check them out. Hope this helps. ... more
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Wed Aug 19, 2009
Dp2 answered:
Unfortunately, the amount of time that a bank will take to accept/reject an offer varies from case to case. Sometimes an offer will receive a quick response within a couple days, and other times it might take a few weeks to receive any feedback (if at all). ... more
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Sat Jul 18, 2009
Carrie answered:
I purchased a home on S Jefferson that was a foreclosure. Is this what you are referring to? The home will be for re-sale shortly. Address is 502 S Jefferson.
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Fri Mar 20, 2009
Brad Huffman answered:
Hello Cathy! I would be happy to provide you with comp's for this home. I attempted to look the home up in our local MLS (Multiple Listing Service) and also through the county assessor. However, I cannot find record of a home in Belleville that is at the address of 49377.

It would be my pleasure to help you in finding more information on this particular home, or on any others that I can email to you. If you will email me at, we can see if maybe you had the address wrong for this particular property, or you can email me the link to where I can look at it and be able to find it in the MLS for you.

Just email me or call me at your earliest opportunity and we'll see if we can get some answers on this home for you.

Thanks, have a wonderful day, and I look forward to hearing from you!

Brad Huffman
RE/MAX Preferred Partners
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Sun Mar 1, 2009
Edith Karoline Jasser answered:
Hi Stephanie, I think you and your Realtor are doing just about anything that is possible to be done as far as I can tell from your description. Your Realtor possibly has posted your listing on various websites, possibly is also sending out flyers to area Realtors and does reverse prospecting on your behalf and you are not telling anything about Sunday open houses or Broker open houses for Brokers/Agents to tour your home, but then I do not know your area, your Realtor will know better whether Agents actually tour in your area or not.

I know of some areas in my area of expertise where Agents tour all the time, every week and then other suburbs where they do not.... So your Realtor will have to make that judgment call.

All I can say at this time is that this is just a very difficult market for sellers, lots of competing homes, not enough buyers either even wanting to buy, or cannot get a loan, or are afraid to lose their jobs, and they have a lot of properties to select. Your Realtor possibly can tell you how many properties have sold recently and how many are offered on the market in your area and surrounding areas in your size and price of property, and that can tell you a little bit how much inventory is on the market and how long it could possibly take for properties to sell within the next months.....

If your property is only 2 weeks on the market, just imagine that some other sellers have had their property on the market for 8 months, some for more than a year and more these days. I am not saying yours will stay that long, but let your Realtor explain to you how many months of inventory is in your town and the surrounding area, as buyers look here and there.

I wish you good luck and give it some time, I know it is difficult to be patient, but in this market we all need more patience than a few years back.

Take care and Good Luck to you.
Additional incentives to the agent who brings the buyer are helpful, but at the end it will be the buyer who will decide which home to buy, and Realtors should show all properties to their buyers without influence of add. incentives to them! Discuss this with your Realtor, may be assisting the buyer with closing costs may help,
and the 8000 $ tax incentive for first time home buyers should help .....

Good Luck
Edith YourRealtor4Life! Working always in the very BEST interest of her clients!
If you ever meet anyone moving to the city of Chicago or to any of the Northern or Northwestern subs
& the Northshore, send them my way!
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Wed Jan 28, 2009
Bill Eckler answered:

Thank you for serving your country and protecting our freedom.

Our recommendation is to consult a loan agent relatiive to securing a VA loan even prior to beginning you property search. This will help you determine the price range for your search criteria and allow you to focus on property that is within your comfort range.

Good luck
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Tue Jan 6, 2009
Cathie Funderburg asked:
--This question is about this property:
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Thu Dec 11, 2008
Randall Sandin answered:
Hi Pat - You should be able to simply withdraw your offer to buy the property. If you are under contract pending the release of a contingency you are not bound to wait forever on the release. Tell your agent to fill out a release form and fax over to the seller. Hope this helps,

Randall Sandin
Carolina One Real Estate
Charleston, SC
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Mon Mar 2, 2009
Melissa Lee ~ answered:
Hello Ronald,

You posted a question a while back and I noticed an answer has not been posted. Would you still like some insight on how taxes are accessed in the Saint Clair County area?

Kind Regards
Melissa Lee
RE/MAX Preferred
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Tue Nov 18, 2008
Gerard Butler asked:
Tue Feb 9, 2010
Renee Estes answered:
I am new to this Tom, but if you contact me dirrestly about this home and give me an address, I will certainly find out the answer to your quetion! Renee Estes, Strano 791 1543
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Mon Oct 7, 2013
Johnnyb answered:
I was originally from Cleveland and moved to the Belleville, IL area. (I have since moved back to Cleveland.)Belleville itself is a little like Lakewood - the houses tend to be a little more run down, but are cheaper than some of the other areas. As with Lakewood, the closer to St. Louis you go, the less safe it gets. Personally, I lived in Shiloh and Lebanon, both of which were a little more rural (cornfields and such). Shiloh is the up and coming developing town in the Metro East (about 15 mins from downtown) but property values are higher than in most areas. Lebanon (about 20 minutes from downtown) is a smaller semi-rural college town and is much more affordable. O'Fallon (about 15 minutes from downtown), which is a fairly large suburb is a good mix of everything - the property values are affordable, plus the school system and public services are excellent. I would stay away from Fairview Heights or anything more east than Shiloh, as the closer towards St. Louis you go, the less safe it becomes.

I actually still own a very nice, affordable 3 year old loft condo with hardwood floors (2 bedroom, 2 bathroom with all appliances) in Lebanon that I'm planning on listing for sale in the very near future. If it interests you, and you want more information, please let me know!
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