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

CHICAGO WEST & FAR WEST SUBURBS

Volume 4, Issue 6

MORTGAGE MYTHS DEBUNKED

Living In

Geneva Pages 14-15

Pages 16-17

Custom Built On Picturesque Grounds

Stately Home With 4,700+ SqFt - Minutes to the Tollway Text RBCRGVP to 52187 for Photos & Complete Info

3

Things No OneTells You About Working With A Real Estate Agent See Page 8

Cover Home Presented By

Melissa Garcia 630-878-9868

All Pro

Melissa Garcia68@aol.com MelissaGarciaHomes.com See Page 20

Text RBCQRXJ to 52187

Text RBCRGVW to 52187

Text RBCQBCR to 52187

Text RBCGKSJ to 52187

Text RBCJVZS to 52187

Text RBCRSVC to 52187

Text RBCSKJY to 52187

Text RBCGKSC to 52187

Text RBCGKSK to 52187

Text R1157572 to 52187

Text RBCNKFL to 52187

Text RBCPJCS to 52187

Text RBCGKSL to 52187

Text RBCGKSB to 52187

Text RBCNKFM to 52187

Text RBCJGGB to 52187

Text RBCKNFY to 52187

Text RBCLKCN to 52187

Text RBCJLWZ to 52187

Text RBCJZJF to 52187

ST. CHARLES $449,500 ST. CHARLES $629,900 ST. CHARLES $549,765 ST. CHARLES $389,000 JUST MOVE IN! PRISTINE HOME! QUALITY BUILT HOME! JUST MOVE IN!

ST. CHARLES $219,000 ST. CHARLES $245,000 ST. CHARLES $850,000 ST. CHARLES $536,000 GREAT LOCATION! GREAT PRICE! GREAT HOUSE! EXCEPTIONAL HOME & VALUE! SO MANY OPPORTUNITIES!

ST. CHARLES $464,900 ST. CHARLES $449,900 ST. CHARLES $389,800 ST. CHARLES $449,000 NEED SPACE? 4,000 SQ FT! AN ABSOLUTE MUST SEE! LOVELY HOME & NEIGHBORHOOD!

ST. CHARLES $398,900 ST. CHARLES $650,000 BATAVIA $397,300 ST. CHARLES $454,000 PRIVACY W/YEAR ROUND VIEWS! MUST BE SEEN TO BE APPRECIATED! 1/2 ACRE W/ STUNNING WATER VIEWS! BEST VALUE IN OAK CREST!

GENEVA $287,900 GENEVA $394,500 ST. CHARLES $259,900 ELBURN $399,700 CHARMING VINTAGE HOME! BEST VALUE AROUND! 2-FLAT OPPORTUNITY! FIRST FLOOR MASTER!

Follow us on

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

ALL PRO

Alex & Vicky Rullo Text RBCJLWY to 52187

Text RBCSBKP to 52187

ELBURN $659,000 ST. CHARLES $495,000 A MUST SEE STUNNER! LOVINGLY MAINTAINED!

630-513-1771 Text RBCJVZT to 52187

Text RBCGKSP to 52187

ST. CHARLES $339,800 ELBURN $410,000 GREAT NEIGHBORHOOD! ST. CHARLES SCHOOLS!

rullos@rullos.com

www.TheRulloTeam.com

The Right Realtor® Makes A Difference.

Top 20 Realtor in Illinois for 21 Consecutive Years!

Text RBCSFNM to 52187

Text RBCGKSR to 52187

Text RBCMXLF to 52187

Text RBCSTBX to 52187

Text RBCGKSS to 52187

Text RBCGKRT to 52187

Text RBCMPDT to 52187

Text630-513-1771 RBCHMTX to for 52187 Call info

Text RBCGKRR to 52187

Text630-513-1771 RBCLKCP to 52187 Call for info

ST. CHARLES $349,900 BATAVIA $404,900 CUSTOM BUILT! GREAT LOCATION!!!!

ST. CHARLES $460,000 ELBURN $75,900 ST. CHARLES $259,000 ST. CHARLES $79,000 DRAMATIC HILLSIDE RANCH! BUILD IN UPSCALE COMMUNITY! GREAT OPPORTUNITY! BUILD YOUR DREAM HOME!

NAPERVILLE $196,500 ST. CHARLES $694,000 BATAVIA $449,700 ST. CHARLES $369,800 STUNNING UPDATES! SPECTACULAR SETTING! BEAUTIFUL INSIDE & OUT! STUNNING LAKE LOT!

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. 6

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 RBCSBKC to 52187 for photos and info

Text RBCSSXZ to 52187 for photos and info

Text RBCSSYZ to 52187 for photos and info

PLANO - HUGE YARD $184,900 Pool & clubhouse community. Great kitchen. Spacious family room. Master suite has private bath & walk-in closet.

2nd floor laundry. Unfinished Basement.

3 BDR/2.1 BA Huge yard with deck.

MONTGOMERY - UPDATED $179,900 Great ranch. Kitchen with granite, custom backsplash & SS appls. Large laundry/mud room with exterior access to yard. 1 car garage with attic storage.

3 BDR/1 BA Fenced yard, patio.

AURORA - COMING SOON $250,000 Great finished basement, family room with fireplace. Big spacious kitchen with lots of cabinets & counter space.

2 car garage plus shed for additional 3 BDR/2 BA storage.

Text RBCSSYC to 52187 for photos and info

Text RBCLTYR to 52187 for photos and info

Text RBCSTBP to 52187 for photos and info

OSWEGO - LAKESIDE RANCH $319,000 Luxury maintenance free living in clubhouse community. Open concept kitchen, Great room fireplace, built ins, sunroom, master suite, basement.

2 BDR/2 BA Beautiful pond views.

AURORA - POND LOT $514,900 Beautifully updated kitchen with granite & SS appls. 2 story family room with fireplace and pond views. 1st floor office. Luxury master suite. Updated baths. English basement. 4 BDR/2.1 BA

NAPERVILLE - COMING SOON $549,000 Impressive ranch on a large private lot in district 203. Move right in or customize your dream estate. Exceptionally-built with custom upgrades. 3-car insulated garage.

4 BDR/3 BA Incredible views.

Vol. 4, No. 6 - Page 5

630-553-8405 BobbieSoris.com Excellent Extended Family Arrangement

A Whole Lot Of Country Backs To 12 Acre Private Woods

The Addition Increased The Kitchen Size, Added A Family Room, Exercise Room & 2nd Floor. Excellent Arrangement For Extended Family Living.

Handicapped Accessible Family Room, 1st Floor Master Suite. 2nd Master With Bath. Updated Bathrooms. Formal Living, Dining Rooms. Finished Basement.

Yorkville | $329,900 | Text RBCMCNV To 52187 For More Photos & Info

Big Rock | $369,900 | Text RBCMHKS To 52187 For More Photos & Info

Perfect For Today's Unique Living & Work Situations

Opportunity To Own A Home On 3+ Acres With Outbuildings

LOOKING FOR YOUR NEXT LOOKING FOR YOUR HOME?

Main Living Is A Ranch. The In-Law Apartment Had A Face Lift. Basement Has A Private Entrance. Ideal Investment Income Or Home Based Business.

Unique Property With 2 Barns, Chicken Coop, Milk House & 2 Car Detached Garage.

Large Eat In Kitchen & Sun Room. Original Home Is Updated. Addition In 1998.

Bristol | $373,000 | Text RBCHBNB To 52187 For More Photos & Info

Bristol | $495,000 | Text RBCQBCN To 52187 For More Photos & Info

NEXT HOME? Thinking of upgrading?

See what else is out there!

Contact a trusted TREB realtor with market knowledge in your area

Thinking of upgrading?

Contact a trusted TREB realtor with

Find a new home in your price range

Find out what your home is worth

a newelse home in your Find See what is out there!price range

outknowledge what your inhome worth Find market yourisarea

Page 6 - Vol. 4, No. 6

Text RBCDQXB to 52187 For Photos Text RBCDQWK to 52187 For Photos Text RBCDQWD to 52187 For Photos ST. CHARLES - TONS OF UPDATES ST. CHARLES - CRAFTSMAN STYLE FARMHOUSE! WHEATON - LARGE & BEAUTIFUL HOME!

Great Location With Updated Baths.

Walk To Downtown & Fox River Bike Path. New Kitchen Appls, Lower Level Walkout.

$258,000 | 3 BDR/2 BA | Paula 630-251-5155 $564,900 | 5 BDR/3.1 BA | Call Eric or Becky $435,000 | 4 BDR/2.1 BA | Call Becky or Eric

Text RBCPTTN to 52187 For Photos Text RBCNRYV to 52187 For Photos Text RBCPJCL to 52187 For Photos WEST CHICAGO - CUSTOM HOME ON .5 ACRES PARK RIDGE - CLASSIC 1928 COLONIAL WHEATON - SPACIOUS ELEGANCE

3,000+ SqFt, 3 Car Gar, Basement.

Upgrades & State Of The Art Kitchen.

Updated Kitchen, Finished Basement.

Call For Price | 2 BDR/2.1 BA | Paula 630-251-5155 $569,900 | 3 BDR/2.1 BA | Call Becky or Eric $350,000 | 4 BDR/2.1 BA | Call Becky or Eric

Text RBCSKXR to 52187 For Photos Text RBCMZNS to 52187 For Photos Text RBCRGVL to 52187 For Photos ST. CHARLES - POTTAWATOMIE PARK DREAM WHEATON - GREAT 3 SEASON ROOM WEST CHICAGO - CLOSE TO EVERYTHING

Top Of The Line, Acre Lot, 5 Car Gar.

Lovingly Maintained Colonial.

Call For Price | 4 BDR/2.2 BA | Paula 630-251-5155 $459,900 | 4 BDR/2.1 BA | Call Becky or Eric

Spacious, Neutral Decor, Newer Appls. $299,900 | 3 BDR/3 BA | Call Becky or Eric

Text RBCSKXS to 52187 For Photos Text RBCKNFW to 52187 For Photos Text RBCJCKT to 52187 For Photos WARRENVILLE - RANCH IN PARADISE DOWNERS GROVE - HUGE YARD WEST CHICAGO - VERY STYLISH HOME

Open Floor Plan, .5+ Acre, Basement.

Roomy Home With 2.5 Car Garage.

Open Concept Living. SS Appliances.

Call For Price | 4 BDR/3 BA | Paula 630-251-5155 $449,900 | 4 BDR/2.1 BA | Call Becky or Eric $224,900 | 3 BDR/1.1 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

Sandy Ledesma BROKER ASSOCIATE

ABR, BPOR, CBIS, CSC, e-PRO, GRI

815-970-0985

YORKVILLE

sledesma@coldwellhomes.com | sandyledesma.com

Text RBCRXFN to 52187 for photos and info

Text RBCRXFH to 52187 for photos and info

LAKE HOLIDAY- LAKEFRONT BEAUTY 75' Of Frontage. Water Views From 3 Levels. Master Suite. Fireplaces In Both The Great Room & Family Room. Finished Basement.4 BDR/3.1 BA | $399,900

LAKE HOLIDAY - WITH PARTIAL LAKE VIEWS Custom Built. 5,000 SqFt Of Space. Family Rm Fireplace.

Luxury Master, Bonus Rm Over Garage. Finished Bsmnt.

Paver Patio, Fire Pit. 3 Car Gar.4 BDR/2.1 BA | $389,900

YORKVILLE - PRICED BELOW APPRAISED VALUE Over An Acre Of Land & 5 Car Garage. Backyard Paradise With Professional Landscaping. Many Updates Have Been Done. No SSA Or HOA 5 BDR/5.1 BA | $325,000

Text RBCRXFL to 52187 for photos and info

Text RBCRXFM to 52187 for photos and info

Text RBCRXFF to 52187 for photos and info

MORRIS - SPACIOUS RANCH HOME WITH SUNROOM Great open flow. Family Room With Wood Burning Fireplace. Patio, Above Ground Pool. Oversized Garage with Heated Workshop.

3 BDR/2BA | $194,900

YORKVILLE - CLUBHOUSE COMMUNITY Newer Granite In Kitchen & Baths, New Carpet & Freshly Painted Thruout. All Appliances. Balcony. Detached Garage, Storage Closet.

2 BDR/2BA | $126,500

SOMONAUK - BEST PRICE IN TOWN Level lot on a dead end street in a mixed area of Somonauk. Possibility for business zoning as well.

Check with the village of Somonauk. $19,900

UN DE R

CO

N TR

AC

T

Text RBCRXFJ to 52187 for photos and info

630-364-8849

www.JaneWinninger.com Jane Winninger

Nicole Farbo

Text RBCMCMR to 52187 for photos and info

Text RBCRWMG to 52187 for photos and info

Text RBCQWCX to 52187 for photos and info

Text RBCKZZS to 52187 for photos and info

YORKVILLE - STATELY! $359,000 Brick Home With Custom Kitchen. Grand Fireplace In Family Room. Sunroom And Finished Basement.

5 BDR/3.1 BA

YORKVILLE - STUNNING! $299,000 Beautiful Kitchen. 1st Floor Den, Spacious Family Room With Fireplace. Beautiful Brick Paver Drive & Patio. 4 BDR/2.1 BA

YORKVILLE - WOODED LOT $284,900 Spacious family room with views. Kitchen opens to newer deck. Finished basement with brick fireplace.

3 BDR/3.1 BA

YORKVILLE - BEAUTIFUL! $274,990 New Construction. Incredible Kitchen Flows To Dining & Family Room. Luxury Master Suite, Cozy Loft. 4 BDR/2.1 BA

Text RBCQBCC to 52187 for photos and info

Text RBCQZCR to 52187 for photos and info

Text RBCSHPT to 52187 for photos and info

OSWEGO - LOCATION! $210,000 Great Duplex With Finished Basement.

Family Room Fireplace, Private Master. Fenced Yard. 4 BDR/2.1 BA

HINCKLEY - GREAT VIEWS! $189,900 Spacious Interior. Kitchen Opens To The Family Room. Finished Basement. Master Suite. Great Location.

3 BDR/3.1 BA

YORKVILLE - OPPORTUNITY! Well-Established Business, Home & Land. Retail Store, 2 Large Barns & 3 Green Houses On 22 Acres. 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

keith.mouis@busey.com

Equal Housing Lender

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

e Via JoannLa

Broker

630.267.7564

joanne.lavia@coldwellbanker.com joannelavia.com

Oswego, IL

Shop for Homes at JoanneLaVia.com

Charming Sunroom & Picture Perfect Yard!

Very Well Cared For Home!

A Charmer With 3,600+ SqFt Of Space

Fully Applianced Eat-In Kitchen Open To Family Room Area & Large Sun-Room. Roomy Master Suite & 2nd Flr Laundry. Fenced Yard, Shed, Garage With Attic.

Oswego | $245,000 | 3 Bdr/2.1 Ba Text RBCSGSZ to 52187 For More Photos & Info

Two Story Foyer. Island Kitchen Open To Family Room. Deck Has Remote Awning With Backyard Views. Spacious Master Suite. Basement Rec Room.

Oswego | $259,900 | 4 Bdr/2.1 Ba Text RBCSFMV to 52187 For More Photos & Info

Updates Galore With Stylish Finishes & Finished Basement. Farmhouse Themed Kitchen Open To Family Room W/brick Fireplace. 3 Car Heated Garage.

Plainfield | $359,900 | 4 Bdr/3.1 Ba Text RBCSRBZ to 52187 For More Photos & Info

Huge Garage For RV & Toys!

Award Winning Naperville School District 204

Home Home Sales Sales Pending Pending

5,100 Sqft Of Living Space On .75 Acre Lot. Finished Basement, Updated Chef's Kitchen. Outback Oasis With Stone Patio, Fountain & Firepit, Designer Shed.

Plainfield | $549,900 | 5 Bdr/3.1 Ba Text RBCLKBG to 52187 For More Photos & Info

Open Kitchen Is Fully Applianced. Family Room With Fireplace And Wall Of Windows. 2nd Floor Laundry For Added Convenience. Maintenance Free Fence, Deck.

Aurora | $214,000 | 3 Bdr/1.1 Ba Text RBCNNTL to 52187 For More Photos & Info

227 227 Mondovi, Mondovi, Oswego Oswego

230 230 Mondovi, Mondovi, Oswego Oswego

232 232 Mondovi, Mondovi, Oswego Oswego

Call Call Joanne Joanne LaVia LaVia To To Sell Sell Your Your Home Home Quickly & For The Best Quickly & For The Best Price!

Price!

“Don’t Make A Move Without Me!”

$1000 lavia lavia filler2.indd filler2.indd 1 1

5/20/19 5/20/19 4:27 4:27

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.

KETTLEYREALTORS

Vol. 4, No. 6 - Page 11

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

www.KettleyHomes.com Text RBCPJFC to 52187

Text RBCDPYJ to 52187

Big & Beautiful | 6 BDR/3.1 BA SYCAMORE | $309,900 MLS #10353301 Laurie Stammet-Jobe | 815-762-5008

3 Houses | 3 BDR/2.1 BA BRISTOL | $674,000 MLS #10292223 Janet Seego | 630-253-0681

Text RBCQBDN to 52187 Text RBCGLWC to 52187 Text RBCQNQZ to 52187

Investors-2 Units | 3 BDR/2 BA HINCKLEY | $135,000 MLS #10360173 Debbi Brinegar | 630-618-8156

Beautiful Home | 3 BDR/2.1 BA AURORA | $310,000 MLS #10303398 Aja Wrobleski | 630-242-0485

Well Maintained | 4 BDR/2.1 BA GENEVA | $399,900 MLS #10364074 Call 630-879-9555

Text RBCQRYT to 52187 Text RBCSBLP to 52187 Text RBCPTGP to 52187 Text RBCRSVV to 52187 Text RBCRQYC to 52187

Sprawling Ranch | 3 BDR/2.1 BA PLAINFIELD | $344,000 MLS #10268417 Call 630-553-5060

Many Updates | 4 BDR/2.1 BA PLAINFIELD | $315,000 MLS #10381333 Call 630-553-5060

Unique Townhome | 2 BDR/3.2 BA SUGAR GROVE | $310,000 MLS #10356344 Call 630-584-7000

Classy Custom | 4 BDR/3.1 BA YORKVILLE | $309,900 MLS #10379433 Call 630-553-5060

Beautiful Home | 4 BDR/3.1 BA OSWEGO | $264,900 MLS #10377408 Call 630-553-5060

Text RBCSBLN to 52187 Text RBCSHPL to 52187 Text RBCQBDM to 52187 Text RBCRWPW to 52187 Text RBCRCNL to 52187

Pristine & Updated | 3 BDR/3 BA YORKVILLE | $259,900 MLS #10347608 Call 630-553-5060

Great Location | 4 BDR/2.1 BA Sandwich | $214,900 MLS #10342846 Call 630-553-5060

Move In Ready | 3 BDR/2 BA AURORA | $209,000 MLS #10360081 Call 630-553-5060

Very Unique | 3 BDR/2 BA YORKVILLE | $174,000 MLS #10381004 Call 630-553-5060

Full Basement | 3 BDR/2 BA LAKE HOLIDAY | $169,900 MLS #10371798 Call 815-786-3200

Text RBCPWTC to 52187 Text RBCQNQX to 52187 Text RBCSKKZ to 52187 Text RBCRSVT to 52187 Text RBCRGWG to 52187

Great Ranch | 2 BDR/1 BA PLANO | $159,500 MLS #10357481 Call 630-553-5060

Brick Home | 3 BDR/2.1 BA OTTAWA | $144,900 MLS #10362296 Call 815-786-3200

One Of A Kind | 3 BDR/2 BA YORKVILLE | $200,000 MLS #10386106 630-553-5060

Excellent Value | 4 BDR/2 BA Aurora | $134,900 MLS #10377820 Call 630-896-5000

Investment-2 Units | 3 BDR/2 BA WATERMAN | $129,900 MLS #10374074 Call 630-466-4485

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

Page 12 - Vol. 4, No. 6

MORE THAN A BOOK. Check out RealEstateBook.com for an interactive experience.

OPEN HOUSE SEARCH PORTAL REAL TIME EMAIL UPDATES ON OPEN HOUSES IN YOUR AREA

See a home you like?

Find your open house on RealEstateBook.com to explore it in person!

MNPS CALL US +800.841.3401

Request a FREE MAGAZINE from any market across North America

Complete

MTAB_Open House_Filler_Half.indd 1

Multimedia Marketing Exposure

3/13/19 3:58 PM

Ad Submission Date for Next Issue Monday, June 17

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. 6 - Page 13

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 Estate In The Woods Of Wayne

Custom Estate On Private Rd

Incredible Value

Text RBCLBCH To 52187 For Photos 6,000 Sqft Of Quality. Floating Staircase, 3 Fireplaces, Dream Kitchen. Custom Bar In Family Room . Sun Room, Pool, Firepit.

WAYNE | 4 BDR/5.1 BA | $1,000,000

Text RBCQCSS To 52187 For Photos Exceptional Craftsmanship On 2+ Acre Wooded Lot. Gourmet Kitchen, Luxury Master Suite, Three Season Room. 5-Car Garages.

SUGAR GROVE | 6 BDR/6.1 BA | $675,000

Text RBCQDJX To 52187 For Photos Completely Updated Throughout.

Many New Or Newer Items. You Do Not Want To Miss This Home!

ST. CHARLES | 4 BDR/3 BA | $598,900

2 Unit - In-Law Quarters Or Rental

Beautifully Maintained Ranch Home

Marywood Towers Condo

Text RBCJCKW To 52187 For Photos Currently Set Up As A 2 Unit Building With Separate Entrances & Electric.

Basement & 2.5 Car Garage.

ELMHURST | 4 BDR/2 BA | $249,900

Text RBCJZJG To 52187 For Photos Open Floor Plan. Large Living Room & Family Room With Fireplace. French Doors To Screened Room With Hot Tub. NORTH AURORA | 3 BDR/1 BA | $209,900

Text RBCJVZV To 52187 For Photos Recently Updated & Clean Condo. Cherry Cabinets, Modern Appls. New Carpet & Paint. Balcony Features Storage Unit.

AURORA | 1 BDR/1 BA | $71,900

Superb Downtown Location

Only 2 Rental Spaces Left

Build On 5.25 Acres

Text RBCHMVR 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 RBCHMVQ 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

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

Office: 630-339-4011

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

W eneva G

Page 14 - Vol. 4, No. 6

elcome to

Geneva’s historic significance, robust business climate, award-winning schools, and strong community involvement make it an ideal place to live, to work and to raise a family. Geneva is an excellent location for a business, either large or small, whether engaged in retailing or manufacturing or, perhaps, offering entertainment or services.

One of the best shopping & dining experiences can be found in historic downtown Geneva. With over 160 specialty shops and restaurants, downtown Geneva is one of the best shopping & dining experiences where choices are infinite. From the refurbished downtown storefronts to the dozens of treasured Third Street Victorian homes that now house over 100 unique specialty shops and quaint eateries. Just west of downtown is Geneva Commons, a retail complex with popular shopping and dining choices in an open air setting.

Geneva is a popular destination with its scenic location along the Fox River. There is an extensive bike trail system in Geneva including portions of the Fox River Trail and the Illinois Prairie Path. Geneva has an active historical society, the Geneva History Center, located in downtown Geneva as well as the Fabyan Windmill, an old Dutch windmill dating back to the 1850s. In 2013 it was nominated by Bloomberg Business Week as the best place to raise a kid in Illinois.

Geneva is host to may unique festivities, such as the Swedish Days Festival, Festival of the Vine, Art Festival, Fox Valley Folk Music & Storytelling Festival, The French Market and the Christmas Walk & Holiday House Tour.

Make This Wonderful Community Your Hometown!

Vol. 4, No. 6 - Page 15

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

Text RBCSZHB To 52187 For Photos

Text RBCNNWW To 52187 For Photos

In The Heart Of Historic District

Beautiful Luxury Townhouse

Fabulous Addition- Family Room, Luxury Master Suite & Basement. Coach House With 5th Bed, 4th Bath Or Perect Home Office Set Up. 4 Bed | 4 Ba | $849,900

Teresa Keenan 630-917-2717 ThinkSold.com

Text RBCTLBJ To 52187 For Photos

Text RBCKNFY To 52187 For Photos

Charming Vintage Home Great Location - Walk To Downtown. Near Metra.

Beautifully Lanscaped Fenced Yard With An Expansive Pergola Deck 4 Bed | 2.1 Ba | $287,900

Significant Upgrades.

Kitchen Open To Family Room w/Fireplace. Huge Master Suite. Lower Level Is Finished . Wooded Views.

3 Bed | 3.1 Ba | $489,000

Lisa Drew 630-479-6637

LisaDrewRealEstate.com

All Pro

Text RBCTBXF To 52187 For Photos

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

Text RBCTKGZ To 52187 For Photos

$1000 CLOSING COST COUPON

In The Heart Of Historic Downtown Custom Built In 2015. Chef’s Kitchen Opens To Family Rm With Dramatic Fireplace. 1st Floor Luxury Master & Office With Built-ins. Patio Fireplc.

3 Bed | 4.5 Ba | $1,395,000

Megan Reno 630-310-6578

MeganReno.BairdWarner.com

Commuter’s Dream Location

This Gem Is Located In Heart Of Downtown Geneva. Walk To Train & Shopping. 4943 Sf Of Luxury Living Completely Restored And Remodeled.

4 Bed | 3.1 Ba |$1,299,000

Walk To Downtown Geneva

Marta Bocska

A Truly Unique Property.

All Brick, 3,300+ SqFt Huge Family Room. Sliders Opening To Solarium With In-Ground Pool. Just Listed!

4 Bed | 4 Ba | $590,000

630-220-7674 MartaBocska@kw.com

Rita Schoenthal 630-205-6965 RitaRaeCo.com

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

Melissa Griffey ~ Your Hometown Geneva Neighbor & Mortgage Professional Melissa Griffey VP of Mortgage Lending NMLS: 191670

Let’s talk Office: (630) 364-7539 630-373-105 | mgriffey@rate.com Cell:

(630) 373-1051

716 W. State St, Geneva, IL Get

Rate.com/mgriffey started Rate.com/mgriffey today

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.

MORTGAGE MYTHS DEBUNKED Buying your first home is one of the most intimidating and overwhelming purchases that we make in our adult lives. The idea of a mortgage can be daunting, and you may question your creditworthiness, your financial obligations as a mortgage holder, and what it means to have a home as an investment.

Often times, consumers are misled by their own misconceptions and have yet to learn the facts about mortgages. To here you along the way, here are some common mortgage myths and the truth behind them.

A HIGH CREDIT SCORE ISN’T A MUST

YOU DON’T NEED A 20% DOWN PAYMENT

Many home hunters think that a high or near perfect credit score is a necessity in order to qualify for a mortgage in the first place. Thankfully, this is false. Some first-time homeowners haven’t adequately built up their credit, so there are fortunately loans out there, such as a FHA loan, that have a minimum FICO score requirement of 580. If your credit score is lower than this, consider taking a few years to better build your score. A higher score can mean more flexibility in home buying.

The 20 percent marker as a goal for down payment is nothing less than intimidating. These days, there are many loans that do not require 20% down. The previously mentioned FHA loan can require as little as 3.5% down.

The downside to this is the required PMI (private mortgage insurance) that is tacked on top of the mortgage payment as a protection for the lender. One unconventional route is taking out a loan for your down payment on top of the mortgage loan, but this much borrowing can get out of hand quickly. Keep in mind that the lower the down payment, the higher the monthly mortgage payment.

A HOME INVESTMENT IS A NOT-SO-SURE THING Some people believe that buying a house as an investment opportunity is a sure thing for return on investment. This simply is not the truth. Although a house can hold its value, it’s important not to go into home buying with only returns in mind. The housing market is a fickle creature, and even when things are good, values rise slowly. Remember that it takes a while to build equity, particularly if your down payment is small. The first few payments in the life of a loan go towards interest, not the equity nest egg. Even if you are approved for a large mortgage loan, remember to keep the location of the home, as well as how well the home works for you, at the forefront of your mind, rather than being investment minded.

Source: fha.com, money.usnews.com, housingwire.com

PRE-QUALIFIED IS NOT PRE-APPROVED Before you begin your home perusal, start with a stop at the bank. Find out what you are pre-qualified for and let this number help navigate your hunting. Don’t be fooled, though. Pre-qualifying doesn’t guarantee that you will be approved for that amount in the final purchasing hour.

Once a home is decided upon, a lender will use things beyond your stated income to determine your approved amount. This includes things such as past tax returns and credit score. Further still, credit checks or major purchases up until your closing date can take a toll on what your mortgage lender will give out.

Contact One Of Our Featured LENDERS For Your Mortgage Needs John Noldan

Melissa Griffey

Guaranteed Rate NMLS #193680 630-290-6251 jnoldan@rate.com Rate.com/JohnNoldan

Guaranteed Rate NMLS #191670 630-373-1051 mgriffey@rate.com Rate.com/MGriffey

Cassandra Bajak

Koehling/PrickettTeam

NMLS #304653 847-877-5588 c.bajak@gofcm.com CassandraBajak.com

Jeff Koehling NMLS #222824 Beth Prickett NMLS #450053

First Centennial Mortgage

Brandon Poulos

First Centennial Mortgage

630-745-7282 or 630.514.9661

Jeff.Koehling@goFCM.com B.Prickett@goFCM.com KoehlingPrickettTeam.com

Dan Salameh

Neighborhood Loans NMLS #222862 630-234-5211

Neighborhood Loans NMLS #224229 708-745-4191

BrandonPoulos.com

NeighborhoodLoans.com

Kris Krajecki

Lana Paloumpis

brandon@neighborhoodloans.com

Great Mortgage NMLS# 225689 630-347-6321 imcallingkris@aol.com Full Service Mortgage BROKER

ImCallingKris.com

dan@neighborhoodloans.com

Land Home Financial Services

NMLS #972833 630-730-6452

Lana.Paloumpis@LHFS.com

Mortgage.lhfs.com

Page 18 - Vol. 4, No. 6

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

Kris.indd 1

Featured On The Front Cover

4/2/19 1:03 PM

Stately Custom Built Estate Home Picturesque Grounds Surrounded By Woods & Water!

4700+ SqFt Of Masterfully Planned Layout. Huge Eat In Kitchen Opens To Sunroom With Amazing Private Views. Spacious Family Rm, 1st Flr Off/Den And Laundry.

Upstairs Elegant Master Suite. Finished Basement With Rec Room & Theater Room 3 Car Attached Garage & Detatched 1 Car Heated Garage.

Big Rock | 6 Bed | 3.5 Ba | $599,900

Cover Home Presented By

Melissa Garcia 630-878-9868

Melissa Garcia68@aol.com MelissaGarciaHomes.com

All Pro

Text RBCRGVP For Complete Details & Photos

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

Carol Guist

Kelsey Anderson 630-364-0297

Chairman’s Club Relocation Specialist Military on the Move® Certified

kelsey@yourplacerealty.com

Beautiful Custom Home

630-244-6808

carol.guist@bairdwarner.com

www.CarolGuist.com

Hannaford Farm Beauty!

Elegant 2 Story Foyer

Upgraded Kitchen

Text RBCQDKB For Complete Details & Photos Open House - Sunday 6/9 - 1:00 to 3:00 Or Call For A Private Showing Text RBCSQBX To 52187 For Info & Photos

Master Suite

3 Gorgeous Fireplaces

Professional Landscape

Custom Home On Corner Lot In Black Walnut Trails

Stunning Rec Room Entertaining Backyard Chef’s Gourmet Kitchen Upgraded Kitchen With SS Appls & Granite Opens To Family Room With Fireplace & Built-Ins. Basement Has Elegant Builder’s Model ~ 5,300 SqFt Of Quality 9’ Ceiling, Rough In Plumbing & Is Ready For Craftsmanship. Extensive Molding & Millwork, 10’ ceilings, Your Finishing Touches. Sideload Garage.

2 Masters, Office Built-Ins, Butler’s Pantry, Dual Staircases.

Sugar Grove | 4 Bed | 2.5 Ba NEW PRICE! $364,900 Sugar Grove | 5 Bedrooms | 4.1 Bath | $650,000

Cathy & Mike Peters

Margie Thorgesen

PetersTeam.com

MargieThorgesen@yahoo.com

630-677-2406

All Pro

Managing Broker

630-675-8157

Text RBCPTGP To 52187 For Photos & Complete Info

Updated Custom Home Desired 55+ Community Granite Kitchen, 1st Floor In- Stunning Duplex Has 2,540 Law Suite. Generous Family SqFt With Upgrades And Room, Office With Built-ins.

Current Finishes Thruout.

Luxury Master Suite. 3,254 First Floor Master. Nice Den SqFt, 1/2 Acre, 3 Car Gar. And Large Loft Area.

5 BDR/3 BA | $374,800 2 BDR/2.1 BA | $324,700 Text RBCQTHS to 52187 Text RBCTFRG to 52187

A Very Unique Townhome!

2,800 + SqFt Of Space. Stained Glass Entry Leads To The Foyer With Marble Floors. Study Has Refinished Floors And Fireplace. Wood Pillars Separate The Living Rm And Dining Rm. Large Kitchen With SS Appliances Opens To Sunroom.

Sunroom Opens To 29 X 13 Patio. Large Master Suite. Huge Basement Game Room, Office, Kitchen, Bed/Bath, Sauna & Hot Tub Room.

Sugar Grove | 2 Bed | 3.1 Ba | $299,900

Melissa Garcia

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

All Pro Multi-Million Top Producer RE/MAX Titan Club

top 25 teams of all northern illinois & chicagoland brokers for 2018

Call/Text: 630-878-9868 www.MelissaGarciaHomes.com MelissaGarcia68@aol.com

Buyer Specialist: Danya Smith | 630-546-2195 Broker Services In Spanish: Jose Garcia | 630-878-8165

Local Postal Customer

Fantastic Finished Basement

Updates Galore

Kaneland Dist 302

Stunning Brick Ranch

Text RBCSGTR to 52187

Text RBCSFNL to 52187

Text RBCSGTS to 52187

Text RBCSSVW to 52187

Kitchen With Appliances. Spacious Modern Hardsurface Flooring. Huge Big Kitchen With Upgraded Appliances. Updated Kitchen, High End SS Appls.

Family Room With Fireplace Opens Lower Level Fam Room With Built Ins, Oversize Family Room, Master Suite Great Family Room With Exposed Beam To Wrap Around Deck. Master Suite. Bath, Laundry Room. In-Ground Pool With Private Bath. Full Basement Ceiling, 2 Sided Fireplace. Sunroom SUGAR GROVE | 4 Beds | 2.1 Bath | $195,000 NORTH AURORA | 4 Beds | 1.1 Bath | $227,500 MONTGOMERY | 3 Beds | 2.1 Bath | $242,600 AURORA | 3 Beds | 2.1 Bath | $249,500

Luxury Master Suite

Rejuvenated Ranch

1st Floor Luxury Master

Finished Basement

Text RBCHBNR to 52187

Text RBCRMJL to 52187

Text RBCSGTT to 52187

Text RBCSGTV to 52187

Open Concept With Big Kitchen Screened In Porch And Open Open Concept With Cook's Kitchen Kitchen With Appliances. Open Concept Opens To Spacious Family Room With Concept Vaulted Ceiling Great Room Flows Into Vaulted Family Room. 1st To Family Room, 2.5 Car Garage.

Fireplace, Full Walk Out Basement.

With Fireplace. No Neighbors Behind. Floor Laundry, Upstairs Loft Area.

Maturely Landscaped Lot, Private Patio.

MONTGOMERY | 4 Beds | 2.1 Bath | $254,900 YORKVILLE | 3 Beds | 2 Bath | $269,900 YORKVILLE | 3 Beds | 2.1 Bath | $279,500 OSWEGO | 3 Beds | 2.2 Bath | $279,500

Desirable Kaneland Dist 302

Gorgeous Custom Home

Stunning Contemporary Ranch

Immaculate Condition

Text RBCPQRV to 52187

Text RBCRMYX to 52187

Text RBCNVPD to 52187

Text RBCQZDG to 52187

Big Kitchen Open To Spacious Family 3,200 SqFt On Beautiful Lot With 1900+ SqFt. With Lookout Basement.

Quality Built. Fabulous. 1st Floor Den Room. Main Level Laundry. Loft Space Woods, Water And 1.07 Mol Acres Great Room With Vaulted Ceiling & With Vaulted Ceilings, 1st Floor Laundry.

For 2nd Family Room. Finished Bsmnt. Of Natural Beauty. 3 Car Garage.

Fireplace. Gourmet Kitchen. Deck.

Oversize Deck And Paver Patio.

MONTGOMERY | 4 Beds | 2.2 Bath | $279,500 SANDWICH | 4 Beds | 2.1 Bath | $327,500 YORKVILLE | 3 Beds | 2 Bath | $339,900 SUGAR GROVE | 4 Beds | 2.1 Bath | $347,900

Stunning Wooded Location

Brick Walk-Out Ranch

Custom Built With Views

Premium Pond Lot

Text RBCSRCL to 52187

Text RBCSRCM to 52187

Text RBCSTBL to 52187

Text RBCSRCK to 52187

Gorgeous Kitchen Opens To Family Room No Neighbors Behind. Gorgeous Kitchen, Amazing Layout. Kitchen With Upgraded Elegant Finished Walk-Out Ranch. High With B/Ins And Fireplace. 1st Floor Office, Family Room Beamed Ceiling, Fireplace.

SS Appls & Granite Opens To Great Room End SS Appls, Screened In Porch.

Screened In Porch Overlooks Wooded Yard. Screened In Porch Overlooks Wooded Yard.

With Fireplace. 1st Floor Master Suite.

Family Room With Custom Fireplace .

SUGAR GROVE | 4 Beds | 2.1 Bath | $389,500 NORTH AURORA | 3 Beds | 3 Bath | $398,500 AURORA | 2 Beds | 2.1 Bath | $418,500 SUGAR GROVE | 4 Beds | 3 Bath | $439,900