The Real Estate Book Home & Lifestyle Guide-Chicago West Suburbs

CHICAGO WEST & FAR WEST SUBURBS

Volume 4, Issue 3

Living In

St.Pages Charles 10-11

5 Year Old Farmhouse Craftsman Style Flair!

Walk To Downtown St. Charles & Fox River Bike Path

A Guide To Mortgages, HELOCs And Renovation Loans Pages 15-17

Cover Home Presented By

Becky Vanderveen 630-260-2838 or Eric Logan 630-675-1737

See Page 18 Premiere Call 800-841-3401 To&19 Order A Free Magazine To Advertise Call Rita McNatt 630-464-2245

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BATAVIA $404,900 ST. CHARLES $699,000 ELBURN $424,900 BATAVIA $459,000 GREAT LOCATION! SPECTACULAR SETTING! ST. CHARLES SCHOOLS! BEAUTIFUL - INSIDE & OUT!

ST. CHARLES $464,900 GENEVA $335,000 ST. CHARLES $650,000 ST. CHARLES $398,900 BEST VALUE IN OAK CREST! ABSOLUTE MOVE-IN CONDITION! MUST BE SEEN TO BE APPRECIATED! PRIVACY W/YEAR ROUND VIEWS!

ST. CHARLES $599,850 ST. CHARLES $479,000 ST. CHARLES $536,000 ST. CHARLES $459,500 SIMPLY STUNNING! NEED SPACE? SO MANY OPPORTUNITIES! 1/2 ACRE IN-TOWN LOT!

ELGIN $233,700 ST. CHARLES $389,000 WAYNE $349,900 BATAVIA $519,000 JUST MOVE IN! BEST VALUE IN WAYNE! AWESOME INSIDE & OUT! LIKE NEW! 55+ ACTIVE COMMUNITY!

GENEVA $324,900 NORTH AURORA $288,900 ELBURN $79,000 MAPLE PARK $237,900 WONDERFUL GENEVA AREA! LOVELY COLONIAL! INVITING RANCH! BUILD IN UPSCALE COMMUNITY!

Follow us on

To View Photos and Listing Details Text the Property Listing Code to 85377

ALL PRO

Alex & Vicky Rullo Text R992899 to 52187

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ELGIN $299,000 ST. CHARLES $259,000 END UNIT TOWNHOME! BUILD YOUR DREAM HOME!

CAMPTON HILLS $187,500 GENEVA $319,900 5+ ACRES! EXCELLENT VALUE!

ST. CHARLES $599,900 ST. CHARLES $1,190,000 REFRESHING FLOOR PLAN! STUNNING HOME!

630-513-1771 rullos@rullos.com

www.TheRulloTeam.com Text R1027383 to 52187

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ST. CHARLES $79,000 ST. CHARLES $289,200 RARE OPPORTUNITY! JUST PERFECT!

The Right Realtor® Makes A Difference.

Top 20 Realtor in Illinois for 22 Consecutive Years!

ST. CHARLES $697,700 ST. CHARLES $498,800 TRULY MAGNIFICENT! PICTURE PERFECT QUALITY HOME!

How much is your home worth? www.FoxValleyHomeValues.com It’s automated and it’s FREE! No need to speak to an Agent!

The

Page 4 - Vol. 4, No. 3

630-364-8849 Winninger www.JaneWinninger.com Team

Jane Winninger

Nicole Farbo

Text R1087729 to 52187 for photos and info

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YORKVILLE - LOVELY $172,900 Gorgeous Views. Open Floor Plan, Kitchen With SS Appliances. Lower Level Family Room.

3 BDR/2.1 BA

SOMONAUK - RANCH $295,000 Open Floor Plan With Vaulted Ceilings And Fireplace. Split Floor Plan For Privacy. Full Basement. 3 BDR/2 BA

OSWEGO - STUNNING $429,000 Grea Floor Plan With 3,800 SqFt . Dream Kitchen, Great Office, Sunroom, Patio.

Clubhouse Community. 5 BDR/2.1 BA

YORKVILLE - GREAT YARD $314,900 Lot Opens To Green Space. Dream Kitchen, Brick Fireplace In Family room.

Master With Luxury Bath. 4 BDR/2.1 BA

Text R1102181 to 52187 for photos and info

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Coming Soon!

SANDWICH - POTENTIAL $179,000 Loaded With Charm. Combined Family And Dining Areas, Updated Kitchen And Finished Basement. 4 BDR/2 BA

YORKVILLE - GREAT LOT $25,900 Build Your Dream Home On This Wonderful Walk-Out Lot With Gorgeous Views. Fields Of Farm Colony.

YORKVILLE - QUALITY BUILT $339,000 Gorgeous Kitchen. Family Room With Stone Fireplace. Huge Bonus Room.

Tandem 4 Car Garage.

4 BDR/2 BA

Protect Your Investment with a Professional Home Inspection. Call today to schedule your home inspection 630-364-8848

FIRST HOME. OR DREAM HOME.

Keith Mouis, NMLS# 450046 Mortgage Sales Manager 630.708.5702

Equal Housing Lender

keith.mouis@busey.com

Text BobbieSoris to 52187 to download my mobile app and shop for homes on your smart phone

630-553-8405 BobbieSoris.com Text R1015059 to 52187 for photos and info

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ELBURN - AMAZING PRAIRIE VIEWS! $554,000 Newer kitchen with high end finishes. Great room has floor-ceiling stacked stone fireplace. Finished basement with media room, wet bar.4 BDR/3.1 BA

BRISTOL - IN-LAW POTENTIAL! $373,000 Perfect for unique living situations. Main living is a ranch. The in-law apartment had a face lift. Ideal investment income/home business. 4 BDR/4.1 BA

OSWEGO $369,000 Great investment opportunity. Full duplex is for sale. Rent both or live in one and rent one. Each side is 3 bdr/1.5 bath, 1 car garage. 6 BDR/3 BA

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OSWEGO - CUSTOM BUILT HOME! $264,000 Open concept kitchen with granite counters. The fireplace is the focal point of the family room. Vaulted master suite. Deck with pergola.

4 BDR/2.1 BA

YORKVILLE - DETACHED GARAGE! $224,900 Well cared for home. Living room fireplace, lower level family room. Tiered deck, paver patio, and raised gardens. Newer mechanicals. 3 BDR/2 BA

YORKVILLE - LOTS AVAILABLE $28,000 Build your dream home. Many available 1 acre lots.

This allows you to build a minimum 2,000 sq ft ranch or 2,400 sq ft 2-story. Outbuildings allowed.

Don’t Need As Much Of A House As You Used To? Maybe It’s Time For A New Lifestyle Your next home can help you minimize expenses and upkeep so you can spend time with family, friends and do the things you love to do. If it’s time to downsize, and you want to know what your options are, let’s talk. Contact us today @ 630.551.1111 NAPERVILLE

Welcome To The Michelson Team!

$109,900

MOVE-IN READY 2ND FLOOR CONDO! Open Concept, Vaulted Ceilings And Private Balcony. Appliances Incl Washer/Dryer Stay.

Text RBCDSBX to 52187 for photos

LAKE HOLIDAY

$255,000

Yorkville

$534,997

YORKVILLE

$339,900

ONE-OF-A-KIND LOG HOME!

GREAT INDOOR & OUTDOOR ENTERTAINING!

BUILD YOUR DREAM RANCH HOME!

Finished Basement On Deep Lot. Walk To The Beach. Soaring Ceilings, Open Floor Plan.

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5966+ SF On Acre Lot. Bonus Room Upstairs.

Entertain In The Look-Out Lower Level.

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Premium Cul-De-Sac Lot. Builder Has Plan To Customize For Your Style & Design.

Text RBCDSBL to 52187 for photos

YORKVILLE

$360,000

YORKVILLE

$400,000

YORKVILLE

$399,900

New Construction Ranch Home

14 ACRES WITH RIVERFRONT!

CUSTOM HOME WITH MANY QUALITY UPDATES!

Completed & Ready For Quick Move In. Sleek Kitchen, Soaring Ceilings, Deep Finished Garage, Full Basement.

Text RBCDSBS to 52187 for photos

Build Your Dream Home Or Change The Zoning And Develop Several Estate Home Sites.

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Renovated Kitchen With SS Appls & Granite.

Office/Den On 1st Floor. Finished Basement.

Text RBCDSBZ to 52187 for photos

SHERIDAN

$449,900

Yorkville

$334,900

YORKVILLE

$337,900

CUSTOM LOG HOME ON NEARLY 10 ACRES!

METICULOUSLY MAINTAINED ON ACRE+

FIRST FLOOR MASTER SUITE!

Horse Riding Area, Woods And Creek. 3 Finished Levels Including The Garage. Walk Out Basement.

Text RBCDSBT to 52187 for photos

3 Car Heated Garage. Large Open Kitchen, 1st Floor Master Suite. Full Finished Basement Text RBCDSBD to 52187 for photos

Nearly 3000 SF Of Living Space. Beautiful Upgraded Kitchen. Loft Is Ideal For Game Room.

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Call us for ALL Your Real Estate Needs! We’re Local! We’re Global!

Kelly Michelson 630.551.1111

kelly@michelsonteam.com kellymichelson.bairdwarner.com

Beth David 815.325.3563 beth@michelsonteam.com bethdavid.bairdwarner.com

Patty Harbin 630.777.5861 patty@michelsonteam.com pattyharbin.bairdwarner.com

Brenda Weaver 630.330.6195 brenda@michelsonteam.com brendaweaver.bairdwarner.com

5 FACTS ABOUT SELLING A HOME IN THE WINTER

BY DIXIE SOMERS

Can’t wait until spring to sell your home? Winter can be a tough time to attract buyers, particularly if you live in a region where there’s going to be ice and snow all around. Your home may not show as well in bad weather; however, it is possible. Here are some winter real estate facts to keep in mind:

Everyone Appreciates Mood

Create a cozy feel by adding extra pillows or afghans to the sofa and beds, or some plush throw rugs on the floor.

Leave the dining room table set for dinner, along with a champagne bucket and a couple of glasses. Add some extra-fluffy towels or robes in the bathrooms. In short, make everything look comfortable and inviting.

Bright Light Is Cheery

There’s nothing that makes a house cheerier than sunlight.

Wash the windows inside and out so they sparkle. Pull up the blinds and throw back the drapes for some warming illumination. In darker corners and niches where the sun won’t reach, place a lamp and keep it on. You could also use spotlighting to illuminate major features of the kitchen, living room or bathroom.

Warmth Is Comfort

People coming in from the cold will be pleased to find your home is warm and toasty. As a retreat from winter cold, your buyers will have more of a reason to feel comfortable and take their time. You might consider lighting a small fire in the fireplace or wood stove to keep things toasty. Try to keep indoor humidity between 40-60 percent to avoid that dry, stuffy feeling.

People Like an Orderly Property

In the winter, all visitors may see is a blanket of snow (depending on where you live). Do your best to keep the driveway and walkways neatly cleared and free of ice.

Even if there’s just a light dusting of snow, sweep it away.

Spread some sand over walkways to avoid slips and falls.

Try to keep the roof clear of snow, as well, as a good roof is important to selling any home. You can always call in a roofing company if yours isn’t up to par.

Winter Can Be the Ideal Season

You’re more likely to get bids faster in the wintertime because you’re dealing with motivated buyers. They need to move, and soon, or they’d be waiting for the balmier temperatures of spring. You may get fewer visitors, but they’ll be serious buyers, not just frivolous house-shoppers.

Stage your home well for the season and you may very well sell faster, and for a higher price, than you expected.

You always want to keep your home clean and in good repair, but the trick to selling in winter is creating the effect of a warm, sunny retreat from the elements.

Dixie Somers is a freelance writer and regular contributor to RISMedia’s Housecall blog.

Reprinted with permission from RISMedia. ©2018. All rights reserved.

Contact One Of Our Featured REALTORS® For All Of Your Real Estate Needs!

Lizabeth Lowe

Century 21 Affiliated St. Charles 630-688-0119

Alison France

Adam Rullo

Alex & Viky Rullo

Kathy Maykut

LizabethLowe.com

alisonfrance.illinoisproperty.com

RE/MAX All Pro St. Charles 773-348-7325 adamrullo@gmail.com TheRulloTeam.com

Eileen Price

Jane Mitchell

Linda Tillis

lizabethlowe@yahoo.com

Fox Valley Real Estate Geneva 630-638-9909 eprice5555@aol.com

eileenprice.homesearchfoxvalley.com

Vicki Scharenberg RE/MAX All Pro Sugar Grove 630-464-4897

vickischarenberg@comacast.net

MyAgentVicki.com

RE/MAX Excels Geneva 630-742-4918

alisonfrance@comcast.net

Baird & Warner Geneva 815-757-6633

Century 21 Affiliated Dekalb & Sycamore 815-751-3159 jane.mitchell@bairdwarner.com lindatillis@gmail.com JaneMitchell.bairdwarner.com C21Affiliated.com/LTillis

Daniel M. Czuba

Joanne LaVia

DuPage County 630-393-1700

joanne.lavia@coldwellbanker.com

Managing Broker/Owner

Coldwell Banker The Real Daniel And Associates Real Estate Estate Group-Oswego daniel@daare.com | daare.com

Filomena Hautzinger Rita Rae Schoenthal BHHS Starck Real Estate Keller Williams Inspire St. Charles Geneva 630-632-5296 630-205-6965 fhautzinger@starckre.com FilMyHomes.com

rita@ritaraeco.com

RitaRaeCo.com

630-267-7564

JoanneLavia.com

Judy Cox, Broker/Owner

RE/MAX All Pro St. Charles 630-513-1771 rullos@rullos.com TheRulloTeam.com

RE/MAX All Pro Bloomingdale 630-577-7929

kathymaykut@remax.net

KathyMaykut.com

Libby Johnson

Broker/Owner Envision Real Estate 630-774-1319

libby@envisionrealestatellc.com

EnvisionRealEstateLLC.com

Paul Bednar

Results Realty Illinois Kane & DuPage County 630-546-7276

Vintage Home Realty Elgin 847-987-7526

JudyCox.com

PaulBednar.com

homeswithjudy@gmail.com

paul@paulbednar.com

Page 8 - Vol. 4, No. 3

KETTLEYREALTORS One of the largest and most successful Real Estate Companies in all of Illinois

www.KettleyHomes.com Call Today!

Call Today!

Call Today!

Historic Home | 4 BDR/1.1 BA SOMONAUK | $219,900 MLS #10064031 Virginia Luedtke | 630-913-1223

Lake Views | 4 BDR/2 BA LAKE HOLIDAY | $207,000 MLS #10258013 Joe Santoro | 630-408-8393

Truly Beautiful | 4 BDR/3.1 BA NORTH AURORA | $399,900 MLS #10132143 Patti O'Malley | 630-715-1403

Text RBCDQYL Call Today! to 52187 Text RBCDRDV to 52187

Only A Few Lots Remain ST. CHARLES | $43,000 MLS #10264760 Donna Pelletier | 630-673-0800

Rehabbers | 4 BDR/1 BA Sheridan | $26,000 MLS #10278580 Call 815-786-3200

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Great Townhouse | 2 BDR/1.1 BA YORKVILLE | $155,000 MLS #10281896 Call 815-786-3200

Estate Sale | 4 BDR/1.1 BA AURORA | $175,900 MLS #10280082 Call 630-879-9955

Remodeled | 4 BDR/2.1 BA PLAINFIELD | $239,900 MLS #10278946 Call 630-896-5000

Huge Outbuilding | 2 BDR/1 BA AURORA | $125,500 MLS #10278549 Call 630-584-7000

Lot With 125' Frontage LAKE HOLIDAY | $47,500 MLS #10278869 Call 815-786-3200

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Many Updates | 4 BDR/2.1 BA NORTH AURORA | $289,900 MLS #10279698 Call 630-896-5000

Custom Home | 6 BDR/5 BA SUGAR GROVE | $389,900 MLS #10296590 Call 630-466-4485

Gourmet Kitchen | 4 BDR/2.1 BA PLAINFIELD | $399,000 MLS #10268579 Call 630-896-5000

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Charming Home | 3 BDR/2.1 BA MONTGOMERY | $220,000 MLS #10270361 Call 630-553-5060

On Pond | 3 BDR/2.1 BA Montgomery | $182,000 MLS #10261074 Call 630-553-5060

Updated Ranch | 3 BDR/1 BA AURORA | $179,900 MLS #10274730 Call 630-896-5000

Huge Garage | 4 BDR/3.1 BA Yorkville | $299,900 MLS #10297647 Call 630-553-5060

Updated Home | 4 BDR/2.1 BA MAPLE PARK | $279,900 MLS #10260878 Call 630-466-4485

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Craftsman | 4 BDR/2.1 BA LELAND | $289,999 MLS #09992368 Call 630-896-5000

Sprawling Ranch | 4 BDR/3 BA MONTGOMERY | $299,900 MLS #10269163 Call 630-553-5060

Text Listing Code to 52187 for more Info & Photos on Your Smartphone

Text Kettley to 52187 To Download Our FREE Mobile App and View All of Our Listings on Your Smartphone

e Via JoannLa

Broker

630.267.7564

joanne.lavia@coldwellbanker.com joannelavia.com

Oswego, IL

Shop for Homes at JoanneLaVia.com Sale Pending In 7 Days!

Oswego - New To The Market!

$324,900

Family Room With Fireplace Opens To Kitchen With Granite, SS Appls. 1st Floor Den. Finished Basement Has Rec Room, 5th Bed, Kitchenette, Bath. Deck & Patio. 4 BR | 3.1 BA

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Oswego - Best Value - New Price!

$289,900

Bright Open Floor Plan. Huge Kitchen With Appls & Beverage Frig. Family Room Fireplace. Master Suite 2-Sided Fireplace & Sitting Room. Loft Area. His & Her Garages. 4 BR | 2.1 BA

Text R928842 to 52187 for more photos & info

“Don’t Make A Move Without Me!”

$1000 CLOSING COST COUPON

Apply by phone or online today and get your closing cost credit* Melissa Griffey

Let’s talk

VP of Mortgage Lending

Office: Cell:

Get started today

(630) 364-7539 (630) 373-1051

Rate.com/mgriffey MGriffey@rate.com

716 W State St, Ste E, Geneva, IL 60134 Melissa Griffey NMLS ID: 191670 IL - 031.0022632 - MB.0005932 • NMLS ID #2611 (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) • IL - Residential Mortgage Licensee - IDFPR, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, 312793-3000, 3940 N. Ravenswood Ave., Chicago, IL 60613 #MB.0005932 * Credit valid through Melissa Griffey for applications submitted after 1/22/2019 and prior to 12/31/2019. Coupon/Credit must be presented/mention at time of application. [$500] credit will be applied at time of closing and is factored into the rate and APR. Applicant subject to credit approval. If loan does not close for any reason, costs will not be refunded. This offer and/or receipt of application does not represent an approval for financing or interest rate guarantee. This coupon cannot be redeemed for cash/has no cash value. Restrictions may apply, contact Guaranteed Rate for current rates or more information.

Page 10 - Vol. 4, No. 3

W St. harles C The Pride of the Fox... elcome to

St. Charles is a dream location for those who want the quaintness of a small town but the amenities of a larger city. A picturesque city on the Fox River, St. Charles was named one of the region’s “Top 10” by the Chicago Tribune for fine dining, arts and entertainment, recreational opportunities, unique shopping, and a lively nighttime personality.

St. Charles is home to many community events... Restaurant Week, St. Patrick’s Day Parade, Fine Arts Show, Concerts in the Park, Jazz Weekend, Scarecrow Fest and Holiday Homecoming. International employers, innovative schools, beautiful parks, a responsive government, and significant architecture create a quality community and has earned St. Charles its reputation as “The Pride of the Fox.”

Text R1147616 To 52187 For Photos

Text R1124294 To 52187 For Photos

On 2.5 Acres-St. Charles Schools 7,000+ SqFt Of Living Space!

Wooded Sanctuary. High End Finishes, Gourmet Kitchen, Luxury Master.

Finished Basement. Solar PV Provides All Electric.

5 Bed | 4.1 Ba | $599,000

Hank Erwin Broker/Owner

630-327-1633 HankErwin.com

Stunning Custom Home With Amazing Kitchen & 2 Story Hearth Room. 1st Flr Luxury Master. Deep Pour Finished Basement.

5 Bed | 5.1 Ba | $599,900

Alex & Vicky Rullo 630-513-1771 TheRulloTeam.com

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Lovely Wooded Oasis!

Stunning Ranch Home Near Boat Launch With River Access. High End Finishes, Gourmet Kitchen. Open Concept, Vaulted Ceilings.

3 Bed | 2.1 Ba | $399,000

Scott & Susie Mackay 630-640-2340 ScottandSusieSell.com

Vol. 4, No. 3 - Page 11

Interested In Moving to St. Charles? Contact One of Our Featured REALTORS®

Text R1143620 To 52187 For Photos

Text R1120636 To 52187 For Photos

Text R1143662 To 52187 For Photos

Custom & Built To Perfection! 1.6 Acres In Persimmon Woods! Gorgeous Home on 1.2 Acres!

Stunning Vaulted Family Room With Wood Beams & Stone Fireplace. Dream Kitchen. 1st Floor Master & Den. 1.3 Lush Acres.

6 Bed | 4.1 Ba | $829,900

Martha Dorfler 630-306-1230 MarthaDorfler.com

Text R1145226 To 52187 For Photos

Many Updates-Priced To Sell!

Stunning Views Of Woods & River. Luxury Master Bath. Vaulted Master & Family Rooms. Walkout Basement, 1+ Acre Lot. 4 Bed | 2.1 Ba | $599,900

Kelly Schmidt Durbala 630-338-2049

Kellydurbala@atproperties.com

Text R1146388 To 52187 For Photos

No Neighbors Behind!

Pool & Clubhouse Community. 1st Floor Den & Laundry, Finished Basement, New Roof, Windows, Furnace & AC. 4 Bed | 3.1 Ba | $425,000

Tamara O’Connor Broker/Owner

630-485-4214 GetOConnor.com

Beamed Famiy Room With 2 Story Fireplace. Library With Built-ins. Beautifully Finished Bsmnt. Backyard Oasis, Pool & Hot Tub. 4 Bed | 3.1 Ba | $629,900

Alison France 630-742-4918

AlisonFrance.illinoisproperty.com

Text R1145227 To 52187 For Photos

So Many Improvements!

Open Kitchen. Remodeled & Luxurious Master Bath.

Entertaining Lower Level.

Professional Landscape.

Access To Pool & Tennis 4 Bed | 4.1 Ba | $649,000

Kelly Schmidt Durbala 630-338-2049

Kellydurbala@atproperties.com

Text R1146387 To 52187 For Photos

Spectacular Setting.

Gourmet Kitchen & Great Room with Frplc. Bright Finished Basement.

Screen Porch with Frplc.

4 Bed | 5 Ba | $900,000

Anne Cordogan Ward

630-464-4488

AWard.illinoisproperty.com

Text 1145233 To 52187 For Photos

Extraordinary Custom Home!

High End Finishes, Custom Mouldings & Stone. Dream Gourmet Kitchen. Stunning Master Retreat. Basement Bar, Theater & Rec Room.

4 Bed | 3.4 Ba | $1,750,000

Lauren Ganzhorn 773-417-5293

LaurenGanzhorn@atproperties.com

Text R745359 To 52187 For Photos

Waterfront Living-Fox River! Beautiful & Private Backyard!

Very Well Designed With Spacious Flrplan. Gourmet Kitchen Opens To Family Room. Walkout Basement.

Almost 2 Acres With Dock.

4 Bed | 4.1 Ba | $929,999

Tamara O’Connor Broker/Owner

630-485-4214 GetOConnor.com

Updated Gourmet Kitchen & Appls. 1st Floor Master With Updated Bath. 3 Outside Living Areas.

Walk Out Lower Level.

5 Bed | 4.1 Ba | $600,000

Donna McQuade, Managing Broker 630-341-6039 DonnaMcQuade.com

Carla Heitz

Aneta Jereb

Page 12 - Vol. 4, No. 3

847-529-4542 aneta@ajrealtyworld.com

www.ajrealtyworld.com

630-306-3745 CarlaHeitz.com

28+ Years Experience - Call Me For All Of Your Real Estate Needs!

NEWARK Elegant 2 Story Foyer

RANCH WITH FINISHED WALK OUT BASEMENT AND 2,800+ SQFT

Surround Yourself With Privacy!

Floor-Ceiling Fireplace

Open Floor Plan With Vaulted Family Room, Fireplace. Spacious Kitchen, Granite, SS Appls. Luxury Master. 2nd Floor Bonus Room.

3 Bed | 3 Ba | $375,000

Text R1110788 to 52187 for photos

Sugar Grove

Stunning Backyard Oasis

Office With Built-Ins

Large Chef’s Kitchen

Entertaining Open Layout, 5400+ SqFt, With Many Upgrades.

Stunning Master With Fireplace & Luxury Bath. Great Finished Basement With Bed/Bath. Gorgeous Gardens & Native Plants. STUNNING WALK OUT RANCH WITH 5,200 SQFT OF PURE ELEGANCE St. Charles | 6 Bedrooms | 4.2 Bath | $849,000 Gourmet Kitchen, High End Appls. Luxury Master. Beautiful Basement

Text R1150223 For Complete Details & Photos

Complete Multimedia Marketing Exposure

With Wet Bar & Wine Cellar. Family Room with Fireplace. Pond Views.

4 Bed | 3.1 Ba | $549,900

Text R911674 to 52187 for photos

3/6/19 9:45 AM

Ad Submission Date for Next Issue Monday, March 25

Volume 3 Issue 1

29 Ways It Pays

To Work with a Realtor® Page 8

Incredible Custom Home

OUTDOOR ENTERTAINING AREA, HOME THEATER & 8 CAR GARAGE

See Page 10

REALESTATEBOOK.COM REQUEST FREE MAGAZINE ONLINE OR CALL 800-841-8401

FEATURED REALTOR TIM BINNING Broker/Owner RE/MAX All Pro 630-336-5962 SEE PAGE 10

LOCAL PRINT MOBILE DIRECT MAIL ONLINE PARTNERS

To Advertise Contact Rita McNatt 630-464-2245 trebsales@gmail.com “All real estate advertised herein is subject to the Federal Fair Housing Act which makes it illegal to advertise any preference, limitations, or discrimination based on race, color, religion, sex, handicap, familial status, or national origin, or intention to make any such preferences, limitation, or discrimination. We will not knowingly accept any advertising for real estate which is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis.”

Vol. 4, No. 3 - Page 13

Calling Us Will Be Your Best Move

630-336-5962

www.ErinandJerryHill.com Our Heros Rebate Program gives back to our U.S Military Veterans and First Responder clients.

Visit www.OurHerosRebate.com For Complete Details and Other Benefits Available.

Text R1142089 to 52187 for photos and info

Text R1054191 to 52187 for photos and info

Text R1134700 to 52187 for photos and info

MONTGOMERY-MOVE-IN READY $150,000 Fresh paint, new carpet, updated fixtures & remodeled baths with granite. Huge great room, 1st floor master suite bath. 2nd floor loft area.

2 BDR/2 BA

AURORA - COMMUTERS DREAM $159,990 Maintenance free living. Spacious living room, kitchen with appls, large deck.Convenient 2nd floor laundry. Lower level flex room. 3 BDR/1.1 BA

YORKVILLE - TRENDY & CHIC $263,900 Open floor plan. Family room with fireplace adjoins kitchen. 1st floor office or guestroom. Lavish master suite. Full basement.

4 BDR/2 BA

Text R1068833 to 52187 for photos and info

Text R1119112 to 52187 for photos and info

Text P819569 to 52187 for photos and info

OSWEGO - LAKESIDE RANCH $307,990 Luxury maintenance free living. Quality craftsmanship.

Great room w/fireplace, opens to dining & gourmet kitchen. Pool & clubhouse community. 3 BDR/2 BA

OSWEGO - QUALITY BUILT $344,900 Luxury living in a maintenance free community with pool & clubhouse! Gourmet kitchen, sunroom, great room, loft & basement.

3 BDR/3 BA

OSWEGO - BEAUTIFUL & SPACIOUS $369,900 Formal living & dining rooms, 1st floor office or 5th bedroom. Huge family room, gourmet kitchen, 3+ car garage. Full basement. LOFT + 4 BDR/3 BA

A Millennial’s Guide to Homeownership You may be wondering if now is a good time to buy a home… or if you should continue renting.

The free eGuide will answer many of your questions and likely bring up a few things you didn’t even know you should consider when buying a home.

Ask Erin and Jerry for Your e-Guide Now

Page 14 - Vol. 4, No. 3

Broker/Owner

630-202-5940

www.TimBinning.com

Text the Listing Code to 52187 for more Photos & Details or Visit My Website to View These Homes & More. TimBinning.com Clubhouse Community

Fantastic Opportunity For Lease

Great Investment Potential

Text R1068806 To 52187 For Photos Backs To Open Space. Grand Foyer. Open Concept Family Room & Kitchen. Bsmnt With 2nd Kit Could Be In Law Quarters.

ST. CHARLES | 6 BDR/5 BA | $549,900

Text R1131334 To 52187 For Photos 1,000 To 6,000 Sqft Available. Prime Retail Or Office Location On Bloomingdale Road.

25,000 Daily Traffic Count.

GLENDALE HEIGHTS | Call For Price

Text R667843 To 52187 For Photos Two Separate Units Being Used As Rentals. 100% Occupancy. 2 Car Garage, Corner Lot, One Block From High School.

GENEVA | 5 BDR/2 BA | $219,900

Build Your Dream Home

The Spring Real Estate Market Has Started!

The Market Is Hot & Inventory Is Low. Buyers Are Waiting For Homes.

Build On 5.25 Acres

Text R275602 To 52187 For Photos Great Location To Build Your Dream Home. 5.25 Acres With 5.25 Acres Next Door. Combine For 10.5 Acres. Near I90.

HUNTLEY | $129,900

Call Now To Discuss Your Options.

Text R275601 To 52187 For Photos Great Location To Build Your Dream Home. 5.25 Acres With 5.25 Acres Next Door. Combine For 10.5 Acres. Near I90.

HUNTLEY | $129,900

Superb Downtown Location

Highly Traveled Golf Road

Only 2 Rental Spaces Left

Text R987651 To 52187 For Photos Opportunity For Restaurant Or Office.

Superb Location. Free Standing, 2100 Sqft.

Lots Of Parking. Grease Trap In Place.

ELGIN | Call For Price

Text R730358 To 52187 For Photos Excellent Opportunity. Highly Traveled, Maximum Exposure. Currently A Liquor Store. Value Is On The Building & Land.

SCHAUMBURG | $725,000

Text R721276 To 52187 For Photos New Office Buildout With New Furniture Or A Box That Is Ready To Build Out. Great Location On Wilson & Raddant.

BATAVIA | Call For Price

Office: 630-339-4011

RE/MAX All Pro 66 Stratford Drive Bloomingdale, IL 3 Offices in Bloomingdale, St. Charles & Sugar Grove

Vol. 4, No. 3 - Page 15

The Renovation Loan

One Loan, One Payment, One Dream Home

As a Loan Officer with many years experience working with clients who buy and renovate homes, I’m an evangelist for renovation loans. I have seen how they can transform properties and work well financially for Buyers. Real Estate Brokers that are knowledgeable about renovation loans can be an advantage to buyers.

The information below is helpful for Buyers, Sellers and Real Estate Brokers.

The types of renovation loans available: • Fannie Mae HomeStyle Conventional– Down Payment minimum 5% for an owner occupied home; 10% down for a vacation home; 15% down for investment rental home; 20% to 25% down for 2-4 unit buildings • VA Renovation - for Veterans & Active Duty Military- 100% financing, no down payment • Jumbo Renovation – Down Payment 20% to 25% with loans up to $2 million dollars for a home • FHA 203K – Down Payment minimum 3.50% for 1 to 4 unit properties, owner occupied only These loans will use “After Renovated Value” (ARV) to approve the mortgage rather than what the home sold for or is worth now. At today’s typical mortgage rates, it will cost about $5 for each one thousand dollars each month, in payment, on a 30 year term loan for renovation funds. If a new kitchen is added when purchasing a home with cost of $10,000 then a 30 year monthly payment is raised by about $50 The process can take 30-45 days from application to closing. The loan process has 7 basic steps: 1.

Buyer finds a home & gets under contract for it or already owns the home if done as a refinance 2.

Lender’s Construction Consultant visits with Buyer to inspect the home for repairs that fall into 3 categoriesMandatory, Recommended & Desired a. Mandatory are items like holes in roof or walls, or anything that would be dangerous & prohibit safe use of the home b. Recommended are items the Consultant sees that may wear out soon. c. Desired are anything new the Buyer wishes to install as part of the renovation d. A Scope of Repairs report is prepared by the Construction Consultant defining all repairs of the above categories along with a projected labor, material and any needed Architect Plans or Building Permit costs 3.

Buyer visits the property with a General Contractor who will see a version of the Scope of Repairs document that has all rehab work tasks listed but not projections of expected costs for an unbiased proposal 4.

Buyer selects a Contractor & the Lender will check licenses & insurance 5.

Buyer has signed a loan application with Lender which includes funds for the rehab in one loan 6.

Lender orders an Appraisal based on the Contractors written description with costs. The property is appraised to its finished or “After Renovated Value” to approve the loan to close 7.

Loan is closed. Contractor begins Renovation work with typically 6 months to completion

BEFORE

I hope this article has been helpful for those who may have thought purchasing a home to renovate was too complex or beyond their ability to afford or manage. I am always happy to answer your questions!

Visit my blog to read stories and see pictures of renovations

PerryFarella.com/blog

Perry Farella Loan Officer 773-248-8422

NMLS# 755943

perry.farella@primelending.com

PerryFarella.com

3916 N. Broadway St. Office 16 Chicago IL 60613

All loans subject to credit approval. Rates and fees subject to change. ©2019 PrimeLending, a PlainsCapital Company.

(NMLS: 13649) Equal Housing Lender. PrimeLending Illinois Residential Mortgage Licensee no MB.6760635. v010918

AFTER

Page 16 - Vol. 4, No. 3

AA GUIDE GUIDE TO TO MORTGAGES, MORTGAGES, HELOCS HELOCS && MORE MORE Whether Whetheryou're you'relooking lookingtotomake makea a first-time first-timepurchase, purchase,refresh refreshananexistexistinging home ororsimply home simplyleverage leveragebuilt-up built-up equity equityforforother otherreasons, reasons,it's it'simportimportant anttotofigure figureout outwhich whichpath pathisisright right forforyou and understand the lending you and understand the lending options optionsavailable. available.

First-time First-timebuyers buyersmust muststart startwith with determining what is affordable. determining what is affordable.InIn addition additiontotothe themortgage mortgagepayment, payment, housing housingcosts costswill willinclude includeproperty property taxes, taxes,homeowners homeownersinsurance insuranceand and fees, fees,such suchasashomeowner homeownerassociaassociation tiondues. dues.Altogether, Altogether,costs costsshould should bebenonomore morethan than2828percent percent ofof monthly monthlygross grossincome incomeand andshould should leave leaveroom roomtotocontinue continueservicing servicing other otherdebt, debt,such suchasasstudent studentloans, loans, credit creditcards cardsororauto autoloans. loans.

Whenpreparing preparingtotobuy buya ahome, home, When work through credit pre-approval work through credit pre-approval toto readywith witha astrong strongoffer offerwhen when bebeready the opportunity arises.

In addition the opportunity arises. In addition reviewingcredit credithistory, history,a aloan loan totoreviewing originator will consider the amount originator will consider the amount thedown downpayment. payment.A Adown downpaypayofofthe ment typically ranges from 3-20 ment typically ranges from 3-20 percent,and andone onethat thatisisless lessthan than percent, 20 percent may require you to pur20 percent may require you to pur-

chase chasemortgage mortgageinsurance. insurance.AAmortmortgage originator, however, can gage originator, however, can proprovide videaavariety varietyofoflending lendingoptions optionsto to optimize your investment, from 15optimize your investment, from 15and and30-year 30-yearmortgages mortgagestotofixed fixedand and variable terms. variable terms.

IfIfplanning planningtotomake makesome someimproveimprovements mentstotoaamuch-loved much-loved residence, residence, consider consider financing financing the the updates updates through throughaahome homeequity equityline lineofofcredcreditit(HELOC).

(HELOC).Eligibility Eligibility depends depends on on how how much much equity equity has has been been built built up upininthe the home home and and the the lender's lender's loan-to-value loan-to-valueratio. ratio.AAHELOC HELOCworks works much muchlike likeaacredit creditcard cardand and offers offers flexibility. flexibility. AA minimum minimum amount amount isis paid paidmonthly, monthly,and andinterest interestapplies applies totothe theamount amountborrowed. borrowed.

Beforeembarking embarkingon onaaremodeling remodeling Before project,do dosome somehomework. homework. Start Start project, with the lender to determine the with the lender to determine the value ofof the the home home and and the the loan loan value amount available.

Then, establish amount available. Then, establish budget,leaving leaving room room for for unexunexa abudget, pected expenses.

Work with a reppected expenses. Work with a reputable professional professional toto define define the the utable project and its requirements, and project and its requirements, and shoparound around for for bids bids and and recomrecomshop mendations to confidently select mendations to confidently select

aa contractor. contractor. Some Some lenders lenders offer offer checklists to help get the most from checklists to help get the most from the theinvestment. investment.

Another Another option option for for financing financing aa projproject through a home's equity ect through a home's equity is is aa home home equity equity loan loan (HELOAN).

(HELOAN). As As with a mortgage, the loan is granted with a mortgage, the loan is granted as asaalump lumpsum sumand andis is paid paid back back in in ininstallments over time, typically 10-15 stallments over time, typically 10-15 years yearsand andat ataa fixed fixed rate rate locked locked in at the thetime time of of securing securing the the loan. loan. A HELOAN LOANworks workswell well for for aa one-time one-time goal to to improve improve the the value value of of aa home. home. Be mindful mindful that that either either aa HELOAN HELOAN or a HELOC HELOC introduce introduce some some uncertainty, uncertainty, as as monthly monthly expenses expenses will will increase increase and and must must be be maintained maintained to to avoid foreclosure foreclosurerisk. risk.

Rememberto to consult consult aa professional professional Remember foradvice adviceapplicable applicable to to your your speciffor ic situation.

Start with a lender who ic situation. Start with a lender can help help you you identify identify financial financial opcan tions available to home buyers and tions available to home buyers ownerstoday. today. With With careful careful planning planning owners and budgeting, the financing and budgeting, the financing you needmay maybe be well well within within reach. reach. need

First-Time Purchase? Need More Space? Downsizing?

Renovating Your Current Home?

Investment Property Purchase? Vacation Home?

It Is Important To Choose The Right Mortgage Option For Your Needs

Contact One Of Our Featured Lenders For Your Mortgage Needs!

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Jeff.Koehling@goFCM.com

KoehlingTeam.com

Page 18 - Vol. 4, No. 3

Luxury Living - Homes of Style and Distinction Text R555097 to 52187 for photos

3,100 SqFt Home on 1.35 Acre Wooded Lot Living Rm/Family Rm See Through Fireplace.

Kitchen W/SS Appls. Fabuolus Basement.

Wayne | 4 Beds | 4 Bath | $464,569 Joy Baez | 630-578-3015 JoyBaez.com Text R686279 to 52187 for photos

One Of A Kind Estate On 8.93 Acres With A Creek Brick Ranch With Stunning 2-Story Kitchen, Great Room Concept, 50X60 Heated Barn.

Big Rock | 4 Beds | 3.1 Bath | $690,000 Cindy Heckelsberg | 630.253.2990 HeckelsbergHomes.com

Magnificent & Totally Updated Estate On 3.8 Acres Grand Manor Style Home, 12,000 SqFt. Stunning Lower Level. Backyard Oasis, Pool.

St. Charles | 6 Beds | 7.1 Bath | $1,599,000 Alison France | 630-742-4918 AlisonFrance.illinoisproperty.com Text R1152602 to 52187 for photos

Private Sanctuary With Pond & Gorgeous Yard Custom Built Home. Open Concept, Easy For Entertaining Indoor Or Outdoors.

Wayne | 3 Beds | 2.1 Bath | $575,000 Kelly Crowe | 630-624-8096 KellyCrowe.com Text RBCDPWF to 52187 for photos

On The Cover

Text RBCDQWK to 52187 for photos

Text R866663 to 52187 for photos

3,000+ SqFt - Walk To Downtown St. Charles Stunning Home On Over An Acre Lot With Pond Views Gorgeous Chef’s Kitchen, Family Room Frplc.

Custom Granite Kitchen. Beautiful Master Suite.

Finished Basement. Covered Porch & Patios.

Lookout Basement & Basement Theater Room.

St. Charles | 4 Beds | 3.1 Bath | $575,000 Yorkville | 5 Beds | 3.1 Bath | $459,800 Becky Vanderveen | 630-260-2838 Ann Moehring | 630-631-8248 Eric Logan | 630-675-1737 Ann.Moehring@yahoo.com Text RBCDTPZ to 52187 for photos Text R1153030 to 52187 for photos

Gorgeous Home With Modern Flair - 4500+ SqFt Chef’s High End Kitchen, Luxury Master Suite.

Gorgeous Bonus Room. 1,500 SqFt In Bsmnt.

Batavia | 5 Beds | 5 Bath | $630,000 Julie Brown | 630-709-7236 JulieCBrown.bairdwarner.com

Gorgeous Custom Home With Lake View 4,000+ SqFt Of Living Space With Gourmet Kitchen. Master Suite With Luxury Bath.

St. Charles | 4 Beds | 4 Bath | $505,000 Julie Brown | 630-709-7236 JulieCBrown.bairdwarner.com

Vol. 4, No. 3 - Page 19

Text RBCDQXB to 52187 For Photos Text RBCDQXK to 52187 For Photos Text RBCDQWL to 52187 For Photos ST. CHARLES - TONS OF UPDATES

Freshly Painted With Updated Baths. $270,000 | 3 BDR/2 BA | Call Paula 630-251-5155

WHEATON - INCREDIBLE SUNROOM

3, 700 SqFt Of Space. Gourmet Kitchen. $544,900 | 4 BDR/2.2 BA | Call Becky or Eric

WHEATON - WALK TO PARK & POOL

Charming Cape Cod With Modern Amenities. $509,900 | 3 BDR/2.1 BA | Call Becky or Eric

Text RBCDRLY to 52187 For Photos Text RBCDQXL to 52187 For Photos Text RBCDQWD to 52187 For Photos SCHAUMBURG - DIAMOND IN THE ROUGH!

Hwd Floors, Updated Kit, Full Finished Basement. $410,000 | 4 BDR/2.1 BA | Call Paula 630-251-5155

WHEATON - STUNNING REMODELED TOWNHOME

Walk To Downtown Shops & Restaurants $344,900 | 2 BDR/2.1 BA | Call Becky or Eric

WHEATON - LARGE & BEAUTIFUL HOME

Kitchen With New Appls, Lower Level Walkout. $464,900 | 4 BDR/2.1 BA | Call Becky or Eric

Text RBCDRLZ COMING to 52187 SOON! For Photos Text R1109319 to 52187 For Photos Text RBCDQWJ to 52187 For Photos OSWEGO - BEAUTIFUL

Gourmet Kitchen, Den, Basement, 3 Car Gar. Call For Price | 4 BDR/2.1 BA | Call Renee 630-209-2049

WHEATON - NORTH SIDE WITH BASEMENT

Entertainer's Kitchen & Luxury Master. $649,500 | 5 BDR/4 BA | Call Becky or Eric

BARTLETT - LUXURY TOWNHOME

Spacious Rooms, Deck Off Family Room. $330,000 | 2 BDR/2.1 BA | Call Becky or Eric

Text RBCDRLX COMING to 52187 SOON! For Photos Text RBCDQWK to 52187 For Photos Text RBCDQWB to 52187 For Photos WINFIELD - GREAT LOCATION!

Bamboo Floors, Island Kit, 2 Car Gar, Deck. $280,000 | 2 BDR/2.1 BA | Call Paula 630-251-5155

ST. CHARLES - CRAFTSMAN STYLE FARMHOUSE

Walk To Downtown & The Fox River Bike Path. $575,000 | 5 BDR/3.1 BA | Call Eric or Becky

GLEN ELLYN - 3RD FLOOR CONDO

Walk To Town & Train. Extremely Clean Unit. $149,900 | 2 BDR/2 BA | Call Becky or Eric

Home to a Better Mortgage Experience.

Skip Brown

630-836-2529 phone 630-836-2579 fax skipbrown@compmort.com

27755 Diehl Rd, Suite 300 Warrenville, IL 60555

Compass Mortgage NMLS# 21808 IL#MB.5795 Skip Brown NMLS#139581 Lic#031.0001568

Illinois residential mortgage licensee

Melissa Garcia

#18 Residential RE/MAX Team In Northern IL 2018!

Aurora

Upgraded Former Model Home

Call/Text: 630-878-9868 All Pro Multi-Million Top Producer www.MelissaGarciaHomes.com RE/MAX Titan Club MelissaGarcia68@aol.com Buyer Specialist: Danya Smith | 630-546-2195 Broker Services In Spanish: Jose Garcia | 630-878-8165

Local Postal Customer

Sugar Grove Sugar Grove Sugar Grove Custom Home On Wooded Lot

Fantastic Screened Porch

1st Floor In-Law Arrangement

Text R1144652 to 52187

Text R1091888 to 52187

Text R1143683 to 52187

Text R1013515 to 52187

High End Gourmet Kitchen Open To Vaulted Family Room With Fireplace.

1st Floor Master, Den. Paver Patio 3 Beds | 2.1 Bath | $404,900

Custom Kitchen Opens To Family Room.

1st Floor Office, Spectacular Screened In Porch Overlooks Tranquil Yard.

4 Beds | 2.1 Bath | $399,900

3000+ SqFt Of Living Space On Premium Lot With Pond View. Kitchen With SS Appliances. Great Finished Basement.

5 Beds | 4 Bath | $399,900

Updated Kitchen With Granite And SS Appls Opens To Family Room With Fireplace. Master Suite, Flexible Loft.

5 Beds | 4 Bath | $322,900

Yorkville Sugar Grove North Aurora

3 Levels Of Living Space

Great Entertaining Layout

Bristol

Expanded Granite Kitchen

Ranch On Private Lot

Text R1074918 to 52187

Text R1120612 to 52187

Text R1115485 to 52187

Text R1150830 to 52187

Custom Built On Finished Walk-Out Basement With In-Ground Pool. Layout For Entertaining . Gourmet Dream Kitchen.

4 Beds | 3.1 Bath | $313,500

1st Floor Office/Bed. Spacious Kitchen Opens To Oversize Family Room. Formal Dining Room & 2-Story Living Room.

4 Beds | 3.1 Bath | $289,500

Two-Story Family Room With Fireplace And Adjacent Den. Dual Staircase, Private Master Suite. Full Basement.

4 Beds | 2.1 Bath | $284,900

Kitchen Updated With Granite & SS Appls. Living Room Fireplace & Screened In 3-Season Porch. Full Basement.

3 Beds | 3 Bath | $269,900

Montgomery North Aurora Sandwich Sugar Grove Upgraded And Updated

Great Floor Plan

For The Outdoor Enthusiasts

Solid Brick Ranch

Text R1150861 to 52187

Text R1095779 to 52187

Text R1148123 to 52187

Text R1091879 to 52187

Huge Chef's Kitchen Open To 2-Story Family Room With Built Ins. Elegant Master Suite With Private Luxury Bath. Basement.

4 Beds | 2.1 Bath | $269,900

Pretty Kitchen With All Appliances Opens To Spacious Family Room. 1st Floor Laundry. Private Master Suite.

3 Beds | 2.1 Bath | $259,900

Approximately 13 Acres Of Woods And 9 Acres Of Food Plots, Pond And Creek. Property Is Not Buildable.

Land | $219,500

Finished Basement w/Oversize Rec Room, Gaming Area And Bar. 1 Car Attached Garage And 1 Car Detached.

3 Beds | 1.1 Bath | $204,500

To shop for homes from your mobile device Text Melissa to 52187 to reach my mobile website.