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

CHICAGO WEST & FAR WEST SUBURBS

Volume 4, Issue 4

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

Living In

Montgomery & Oswego Pages 9-11

Stunning, Private Yard Large Ranch Home On

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3

Things No One Tells You About Working With A Real Estate Agent

Cover Home Presented By

Patti O’Malley 630-715-1403

See Page 9

See Page 6

Call 800-841-3401 To Order A Free Magazine To Advertise Call Rita McNatt 630-464-2245

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ST. CHARLES $339,800 ELBURN $659,000 ELBURN $409,000 GENEVA $324,900 GREAT NEIGHBORHOOD! A MUST SEE STUNNER! FIRST FLOOR MASTER! WONDERFUL GENEVA AREA!

BATAVIA $519,000 ST. CHARLES $389,000 ELGIN $233,700 ST. CHARLES $225,000 AWESOME INSIDE & OUT! JUST MOVE IN! GREAT LOCATION! LIKE NEW! 55+ ACTIVE COMMUNITY!

ST. CHARLES $536,000 ST. CHARLES $479,000 ST. CHARLES $449,900 ST. CHARLES $599,850 SO MANY OPPORTUNITIES! NEED SPACE? 4,000 SQ FT! SIMPLY STUNNING!

LISLE $114,900 ST. CHARLES $398,900 ST. CHARLES $650,000 ST. CHARLES $464,900 OPPORTUNITY IS KNOCKING! PRIVACY W/YEAR ROUND VIEWS! MUST BE SEEN TO BE APPRECIATED! BEST VALUE IN OAK CREST!

BATAVIA $459,000 ST. CHARLES $264,888 ELBURN $410,000 ST. CHARLES $694,000 BEAUTIFUL - INSIDE & OUT! 2-FLAT OPPORTUNITY! ST. CHARLES SCHOOLS! SPECTACULAR SETTING!

Follow us on

To View Photos and Listing Details Text the Property Listing Code to 52187

ALL PRO

Alex & Vicky Rullo Text RBCGKSQ to 52187

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ST. CHARLES $599,900 BATAVIA $404,900 REFRESHING FLOOR PLAN! GREAT LOCATION!!!!

GENEVA $292,900 ST. CHARLES $617,000 CHARMING VINTAGE HOME! IMMPECABLE IN EVERY WAY!

ST. CHARLES $459,500 ELBURN $79,000 1/2 ACRE IN-TOWN LOT! BUILD IN UPSCALE COMMUNITY!

630-513-1771 rullos@rullos.com

www.TheRulloTeam.com Text RBCLKCN to 52187

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GENEVA $399,500 ST. CHARLES $379,000 BEST VALUE AROUND! STUNNING LAKE LOT!

The Right Realtor® Makes A Difference.

Top 20 Realtor in Illinois for 22 Consecutive Years!

ST. CHARLES $249,500 ST. CHARLES $79,000 PRIME LOCATION! BUILD YOUR DREAM HOME!

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

Page 4 - Vol. 4, No. 3

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 RBCKVCH to 52187 for photos and info

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AURORA - GORGEOUS HOME $514,900 2 story family room with fireplace & pond views.

Beautifully updated kitchen and bathrooms. Full English bsmnt. Premium pond lot.

OFFICE + 4 BDR/2.1 BA

OSWEGO - COMING SOON $375,000 2 story family room with floor-ceiling fireplace and dream kitchen. Luxury master suite. Huge basement.

Clubhouse community.

OFFICE + 4 BDR/3.1 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

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OSWEGO - LAKESIDE RANCH $307,990 Luxury maintenance free living in an Active Adult Community. Spacious great room w/fireplace, opening to dining area & kitchen. Full basement. 3 BDR/2 BA

OSWEGO - SPACIOUS RANCH $209,900 Open layout living room with adjoining family room, dining room. Remodeled kitchen with updated appliances. Large deck and shed. 3 BDR/1.1 BA

AURORA - POPULAR RANCH $204,900 Stunning remodeled kitchen, family room with fireplace overlooks the huge backyard. Master bedroom has full private bath.

3 BDR/2 BA

Things to Consider When Selling Your House It’s difficult to know when is the best time to sell, or how to get the most money for your house, but you don’t need to go through it alone.

I put together a free eGuide for you that will answer many of your questions.

Ask Erin and Jerry for Your e-Guide Now

Carla Heitz

Vol. 4, No. 4 - Page 5

630-377-2336 realty@vestuto.com

www.Vestuto.com

630-306-3745 CarlaHeitz.com

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

For the Buyer Friendly Service, For the Seller Quick Results

NEWARK

Unique Opportunity

Tree Top Views

Surround Yourself With Privacy On 5 Wooded Acres!

RANCH WITH FINISHED WALK OUT BASEMENT ON 1.5 ACRES

Open Floor Plan with Vaulted Great Room, Fireplace And Hardwood Floors. Spacious Kitchen With Granite & SS Appliances. Luxury Master Suite. 2nd Floor Bonus Room.

3 Bed | 3 Ba | $369,900 | Text RBCJLWP to 52187 for photos

vestuto.indd 1

Builders Delight, Ready To Develop. Two Story Contemporary Home Needs Some Finishing Touches. Loft Area Upstairs Can Easily Be Converted To 2 Bedrooms. Home Sits On 1 Of 11 Lots From A Concept Plan That Was Approved By The City.

This Property Is Surrounded By New Homes And 3 Streets Tie Into This Heavily Wooded Site.

Batavia |$399,900

Text RBCKRNF For Complete Details & Photos

Y our V intage H ome S PecialiSt

3/29/19 11:39 AM

Country Retreat In Quiet Montague Forest Subdivision

Paul Bednar

847.987.7526

Paul@PaulBednar.com

Waterfall And A Pond Greet You At Front Door Of This 3,800 SqFt, 5 Bedroom Home. Fantastic Great Room On Main Level And Large Family Room, Wood Fireplace With Game Room On Lower Level.

Perfect House For Outdoors Lovers. Enjoy The Mature Hickory And Oak Wooded Lot From The Cedar Three-Season Room Backs Up To Forest Preserve And Hiking Trails. Outdoor Areas Abound.

Elgin | $339,000 Text RBCLHTN To 52187 For Photos

Page 6 - Vol. 4, No. 4

3 THINGS NO ONE TELLS YOU ABOUT WORKING WITH A REAL ESTATE AGENT If you’ve never bought or sold a home before, chances are you have a preconceived notion of what real estate agents are all about. Unfortunately, you may also have the wrong idea or be misinformed about just what these professionals can do for you. Here are three things you probably never knew about working with a real estate agent: Your relationship with your real estate agent goes way beyond buying or selling a home. A professional real estate agent will be your connection to a myriad of resources you will need before, during and after the transaction, such as mortgage, title and insurance professionals, home improvement and repair services, home stagers, interior designers, painters and landscapers, cleaning services, etc. Many real estate agents are part of a brokerage that offers some of these services within the firm, or that has partner relationships with such firms. They are also well entrenched within the community and can offer great referrals on a whole host of sources that you might need.

Good real estate agents are not just after a deal at all costs. They’re looking after your best interests because their ultimate goal is to make you happy and create a client for life. Therefore, you can expect your agent to advise you on making the best possible decision, not selling you a bill of goods just to earn a quick commission. For example, if you’re looking at homes in a neighborhood that’s going to put you in a financial bind, a good agent will steer you toward an area that suits your preferences, but also your budget. A good agent is not a money-hungry shark, but a trusted guide.

Remember this: The lifeblood of a real estate agent’s business is referrals, so most are committed to serving you and earning your trust.

A professional real estate agent is a financial analyst of the local market and will know how to price your home correctly for sale, or will help you make the best offer when bidding on a home to buy. These pricing decisions are based on an in-depth knowledge of knowing what has sold for what price in which neighborhood over the course of the last month, quarter, year, etc. They are also based on granular details of the home, such as a recent remodel that warrants a higher price or a needed repair that requires a price drop. So expect your agent to have a strong opinion when it comes to advising you on how to price your home for sale or put in a bid on the home you want to buy. Know that there’s a lot of research and knowledge that goes into arriving at those numbers.

Remember, there’s more to a good real estate agent than meets the eye! Finding the right professional to work with will make your real estate experience positive and successful.

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

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

Ewelina Rafael

Paul Bednar

ewelina@wheatland-realty.com

Vintage Home Realty Kane County 847-987-7526 paul@paulbednar.com

Sheena Baker

Margie Thorgeson

sheena@sheenasells.com

margiethorgeson@yahoo.com

Wheatland Realty Kane County 630-506-0622

Wheatland-Realty.com

CarMarc Realty DuPage County 708-966-9743

SheenaSells.com

Daniel M. Czuba

Managing Broker/Owner

Daniel And Associates Real Estate

Vintage Home Specialist

Managing Broker Kettley Realtors 630-675-8157

KettleyHomes.com

Sandi Patterson

Kathy Maykut

sandipatterson@c21affiliated.com

kathymaykut@remax.net

C21Affilated.com/SandiPatterson

Dupage County 630-918-6129

melanie.walker@c21affiliated.com

Ann Adams

Patti O’Malley

daniel@daare.com | daare.com c21Affiliated.com/MelanieWalker

Alex & Vicky Rullo

Century 21 Affiliated Yorkville 630-740-3139

Melanie Walker

Century 21 Affiliated Dekalb County 815-761-8473

Adam Rullo

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

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

RE/MAX All Pro Bloomingdale 630-577-7929

KathyMaykut.com

Alison France

Marc Little

Jane Winninger

Rita Rae Schoenthal

@properties St. Charles 630-742-4918

CarMarc Realty Dupage & Kane County 630-999-9700 alisonfrance@comcast.net marc@carmarcrealty.com AskMarcHow.com

Baird & Warner Berkshire Hathaway-Starck Kettley Realtors Kendall & Kane County St. Charles Yorkville 630-364-8849 630-222-2511 630-715-1403 adamsregroup@gmail.com omalleysells@gmail.com jane@janewinninger.com JaneWinninger.com aadams.starckrealtors.com KettleyHomes.com

Keller Williams Inspire Geneva 630-205-6965 rita@ritaraeco.com RitaRaeCo.com

Page 8 - Vol. 4, No. 4

Check out RealEstateBook.com for an interactive experience.

MORE THAN A BOOK.

Drag and Draw

Map View

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CALL US +800.841.3401

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Complete

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Ad Submission Date for Next Issue Monday, April 22

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.”

WMontgomery

Vol. 4, No. 4 - Page 9

elcome to

A close-knit community where neighbors care about each other.

Montgomery is a fast growing community with a lot to offer. Our remarkable citizens and scenic location along both banks of the Fox River create a great environment for everyone! The Village of Montgomery is served by two Park Districts. The Park Districts maintain all park areas and offer various classes and recreational activities for residents.

Downtown Montgomery is home to Settler’s Cottage, a local archive and museum originally owned by Daniel S. Gray, the founder of Montgomery. The stone grist mill built by Gray in 1853 has been beautifully restored and is listed in the National Register of Historic Places. The Village of Montgomery offers community events, for residents and families throughout the year. The Village of Montgomery creates opportunities to bring the residents together as a community.

Interested In Moving to Montgomery? Contact One of Our Featured REALTORS®

Text RBCHBNR To 52187 For Photos

Full Walk Out Basement

Open Concept With 1st Floor Office. Big Kitchen Opens To Family Room With Fireplace. Luxury Master. 2 Tiered Deck.

4 Bed | 2.5 Ba | $269,900

Melissa Garica 630-878-9868

MelissaGaricaHomes.com

All Pro

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Updated For New Owners

Family Room Fireplace, Kitchen With Updated Appls. Private Master Bathroom. Backyard Screened Gazebo & Shed.

3 Bed | 2 Ba | $220,000

The Heckelsberg Team 630-253-2997 HeckelsbergHomes.com Oswego

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Beautiful & Move-In Ready

Living Room Opens To Spacious Kitchen. Updated Master Bath. Basement, Oversized Deck. Pool & Clubhouse Community.

3 Bed | 2.1 Ba | $269,900

The Heckelsberg Team 630-253-2997 HeckelsbergHomes.com

Oswego

Featured On The Front Cover

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Patti O’Malley 630-715-1403 omalleysells@gmail.com

Highly Desired Ranch Home. Kitchen With Granite & SS Appls. Living Room Fireplace & Custom Built-Ins. Luxury Master Suite. Basement In-Law Suite, Kitchenette. Patio, Deck & Mature Trees. Handicap Ready, 2.5 Car Gar. 4 Beds | 3 Ba | $299,800

Page 10 - Vol. 4, No. 4

W Oswego... elcome to

A Town That People Are Proud To Call Their Home!

Located along the Fox River, our historic downtown includes shops, restaurants and the Oswego Public Library, which is a community center for learning, culture and recreation. Each year, the Oswego Chamber of Commerce sponsors Christmas Walk, which draws thousands of people from the Fox Valley. Oswego is striving to keep its small town character and remains a great place to raise a family. Residents cite our quality schools as the reason they moved to Oswego.

The Oswegoland Park District offers residents an abundance of recreational programs. Festivals, such as the annual PrairieFest, provide seasonal entertainment for the whole family. Shop local every Sunday from June-September at the Oswego Country Market, an outdoor, open air market.

Oswego...a town people are proud to call home!

Interested In Moving to Oswego? Contact One of Our Featured REALTORS®

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Elegant & Stylish Home

1st Floor Master Suite, 2 Offices, Bonus Room, 4 Fireplaces. Gorgeous Basement, Deck & Patio.

An Entertainer’s Dream 5 Bed | 4.1 Ba | $724,500

Team Elite-Julia & Vickie 630-286-9777

info@homesbyteamelite.com

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Pool & Clubhouse Community Huge 2nd Floor Bonus Room & Laundry. Well Appointed Kitchen.

Impressive Master Suite.

Paver Patio & Walkway.

3 Bed | 2.1 Ba | $268,000

Cheryl Thomas 630-788-5050 HouzBiz.net

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Impressive, Updated Home

Great Curb Appeal, New Furnace & AC. Spacious Kitchen, Vaulted Family Rm. Stunning Master Bath.

Basement, Patio, Deck.

4 Bed | 2.1 Ba | $304,700

Cathy & Mike Peters 630-677-2406 PetersTeam.com

All Pro

Vol. 4, No. 4 - Page 11

Interested In Moving to Oswego? Contact One of Our Featured REALTORS®

Text RBCKRMH To 52187 For Photos & Info

Perfectly Sized Ranch Home With Full Basement

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Custom-Built Home on 1.4 Wooded Acres

Stunning 2-Story Entry. 1st Floor Master Suite With Luxury Bath And Cozy Fireplace. Additional 2,300 SqFt In Basement. 3-Car Heated Garage With Oversize Doors.

Agent Owned. 5 Beds | 3.1 Bath | $539,900

Terri Vrbenec 630-973-7387

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3,100+ SqFt Home In Clubhouse Community

Huge Kitchen Opens To Family Rm, 3 Car Tandem Garage, Large Bonus Room & Den 4 Beds | 2.1 Bath | $310,000

The Heckelsberg Team 630-253-2997 windicindi@aol.com

terrivrbenec@gmail.com

HeckelsbergHomes.com

TerriVrbenec.com

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Beautiful Home In Hunt Club Community

3,000+ SqFt Plus Full Basement & 3 Car Garage. Gourmet Kitchen With Granite Opens To Family Room. First Floor Den Or 5th Bed & Laundry. Luxury Master Suite.

4 Beds | 2.1 Bath | $340,000 | Call Renee 630-209-2049

The Paula Schatz Team 630-251-5155 paula@paulaschatz.com

PaulaSchatz.com

Vaulted Living & Dining Room. Family Room Fireplace.

Spacious Lot, Brick Paver Patio. 3 Beds | 2 Bath | $259,900

Premiere

Oswego

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Premier Pool & Clubhouse Community

Cooks Dream Kitchen, 1st Floor Office. 2 Story Family Room With Floor-Ceiling Stone Fireplace. Grand Master Suite With Luxury Bath. Huge Basement. 3 Car Garage.

4 Beds | 3.1 Bath | $375,000

Jerry & Erin Hill 630-336-5962 eandjhill@hillhomes.net

ErinandJerryHill.com

Aurora

Page 12 - Vol. 4, No. 4

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Gourmet Kitchen, Den, Basement, 3 Car Gar. $340,000 | 4 BDR/2.1 BA | Call Renee 630-209-2049

WHEATON - WALK TO PARK & POOL!

Charming Cape Cod With Modern Amenities. $499,000 | 3 BDR/2.1 BA | Call Becky or Eric

WHEATON - LARGE & BEAUTIFUL HOME!

Kitchen With New Appls, Lower Level Walkout. $449,900 | 4 BDR/2.1 BA | Call Becky or Eric

Text RBCLFTJ to 52187 For Photos Text RBCDQVR to 52187 For Photos Text RBCHMTS to 52187 For Photos GLENDALE HEIGHTS - COMING SOON!

WHEATON - NORTH SIDE WITH BASEMENT!

First Time On The Market Gem. $212,000 | Call Paula 630-251-5155

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

WHEATON - UPDATED RANCH HOME!

Open Layout, Elegant Kitchen, Finished Basement. $364,500 | 5 BDR/2 BA | Call Eric or Becky

Text RBCDQXB to 52187 For Photos Text RBCDQWK to 52187 For Photos Text RBCDQVG to 52187 For Photos ST. CHARLES - TONS OF UPDATES

Great Location With Updated Baths! $268,000 | 3 BDR/2 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

CHICAGO - CONDO WITH CHARACTER!

Exposed Brick, Hardwood Flrs, Fireplace, Open Kitchen. $339,900 | 2 BDR/2 BA | Call Becky or Eric

Text RBCJCKN to 52187 For Photos Text RBCDQXK to 52187 For Photos Text RBCDQWJ to 52187 For Photos OAKBROOK - GREAT AMENITIES!

Spacious, Open Concept End Unit. Balcony. $152,000 | 2 BDR/2 BA | Call Renee 630-209-2049

WHEATON - INCREDIBLE SUNROOM!

3, 700 SqFt Of Space. Gourmet Kitchen. $544,900 | 4 BDR/2.2 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

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

e Via JoannLa

Broker

630.267.7564

joanne.lavia@coldwellbanker.com joannelavia.com

Oswego, IL

Shop for Homes at JoanneLaVia.com

Gourgeous Home - Open Views Behind

Huge Garage For RV & Toys

Attractive Open Kitchen, Gleaming Hardwood Floors, 9' Ceilings, Formal Living & Dining Rooms. Luxury Master Suite. Newly Finished Basement & 4 Car Garage.

5100 Sqft Of Living Space On .75 Acre Lot. Finished Basement, Updated Chef's Kitchen. Oasis Outback W/stone Patio W/fountain & Gas Firepit, Designer Shed.

Oswego | $314,900 | Text RBCKTZD To 52187 For More Photos & Info

Plainfield | $569,900 | Text RBCGKMF To 52187 For More Photos & Info

Sale Pending In 3 Days!

Sale Pending In 5 Days!

Bright Floor Plan W/high Ceilings, New Glitzy Kitchen, Finished Basement & Sunroom W/hot Tub. Family Room Fireplace. Brick Patio, Deck, Shed & Extended Driveway.

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.

Oswego | $269,900 | Text RBCJVYM To 52187 For More Photos & Info

Oswego | $324,900 | Text RBCGKMD 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.

Lisa Drew

• PSA Pricing Strategy Advisor • RENE Real Estate Negotiation Expert • Certified Staging Advisor

630-479-6637

• Certified Smart Home Specialist • Institute of Luxury Marketing MEMBER

ldrew@coldwellhomes.com

LisaDrewRealEstate.com

OSWEGO

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PLAINFIELD - ENTERTAINING BASEMENT AURORA - MAINTENANCE FREE LIVING Open Layout Kitchen To Family Room. Brick Patio Clubhouse Community. Open Concept Living Area, With Gas Fire Pit. Basement With Full Kitchen, TV Vaulted Ceilings, Fireplace. Large Loft & Basement.

Area A& Living Quarters. 5 BDR/3 BA | $430,000 Great In-Law Arrangement. 3 BDR/3 BA | $380,000

WEST CHICAGO - GREAT IN-LAW ARRANGEMENT Story Foyer Family Room With Gas Fireplace. Fantastic Kitchen. 1st Floor Bed & Bath. Master Suite, Second Floor Laundry. Basement.

5 BDR/3 BA | $384,000

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PLANO - CLUBHOUSE COMMUNITY DOWNERS GROVE - CLOSE TO DOWNTOWN Townhouse With Open Floor Plan. Dining Area Plus Two Blocks To The Train Station. Updated Kitchen Breakfast Bar Seating. Upstairs Loft Area And 2nd And Bathroom. Hardwood Floors Throughout. 2 Car Floor Laundry. 2 Car Garage.2 BDR/1 BA | $156,000 Detached Heated Garage. 2 BDR/1 BA | $245,000

DOWNERS GROVE - HOME IN A GREAT LOCATION 2 Blocks From Train Station. Short Drive To The I355 Interchange. Great Opportunity To Update, Rebuild, Add On Or Tear Down.

3 BDR/2 BA | $210,000

Attention Buyers & Realtors

You don’t go to a fast food place for your steak dinner...so why go to a bank for a mortgage?

Don’t get me wrong, I like the banks. They have great checking & savings accounts & I can always find an ATM around when I need some money. But when it comes to applying for a mortgage you should always use a Mortgage Broker like me!

Kris Krajecki, NMLS #225689 630-347-6321

Full Service Mortgage Broker • • •

•

ImCallingKris@aol.com

GREAT CHOICE – When you go to a bank, you’re only being offered the bank’s mortgage products. A mortgage

broker has access to dozens of lenders including the major banks. This gives you the ability to obtain financing with poor credit, past bankruptcies, self-employed & other situations that the strict banks do not want to see.

GREAT RATES – Mortgage brokers receive wholesale rates with lenders & beat the banks retail rates. In addition, mortgage brokers have access to programs, promotions & unpublished rates you simply can’t find at the banks.

GREAT RELATIONSHIP – Once the bank sells you a product, you’ll likely not speak to the representative again until your renewal comes. Mortgage brokers take a proactive approach to show you how to pay your mortgage down faster, refinance in ways that help you make money & make sound mortgage choices. I am always available.

You can call/text/e-mail me anytime-24 hours a day. Try getting ahold of your banker at 8pm or on the weekend.

GREAT MORTGAGE - No closing costs here! No bank fees, no application fees & no need to open a checking & savings account. Many times I can offer help with the down payments as well. The extra money comes to YOU, the buyer. Banks KEEP that money & build more banks & advertise during the Super Bowl.

www.ImCallingKris.com

Vol. 4, No. 4 - 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

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!

BEFORE

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. 4

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.

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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.

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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

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Page 18 - Vol. 4, No. 4

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Office: 630-339-4011

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