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Welcome to

Keller Williams

Each Office is Independently Owned and Operated.

Each office is independently owned and operated.

Hello,

Hope you are doing well!

I am so excited to announce that I have moved my business to Keller Williams Experience Realty in Downers Grove! As a Keller Williams®️ agent, I’m dedicated to helping my clients find the home of their dreams. Whether you are buying or selling a home or just curious about the local market, I would love to offer my support and services. I know the local community — both as an agent and a neighbor — and can help guide you through the nuances of our local market. With access to top listings, a worldwide network, exceptional marketing strategies, and cutting-edge technology, I work hard to make your real estate experience memorable and enjoyable. I look forward to the opportunity to work with you. Please don’t hesitate to contact me today or visit my website, JanineCosek.kw.com or contact me via email or cell below. I am so excited to assist you!

JANINE COSEK

Keller Williams Experience Realty 5122 Main St A, Downers Grove, IL 60515 Each Office Independently Owned and Operated.

Cell: 847.890.8879 Email: JanineCosek@kw.com Web: JanineCosek.com

I've Made the Move to KW! Are You Ready to Make a Move? Janine Cosek 847.890.8879 JanineCosek@kw.com JanineCosek.com

Thinking of Buying or Selling a Property? I am so excited to announce that I've moved my business to Keller Williams Experience Realty in Downers Grove, which will give me more tools and industry advantages to help serve my clients to an even higher level than you've come to expect from from my years of helping clients accomplish their real estate dreams. Visit JanineCosek.com or contact me via email or cell below, I am so excited to assist you!

JANINE COSEK REALTOR®

Call/Text: 847.890.8879 Email: JanineCosek@kw.com Web: JanineCosek.com

Each office is independently owned and operated.

Office: 5122 Main St A | Downers Grove, IL 60515

Scan Me or Visit JanineCosek.com and Contact Me to Find Out What Your Home is Worth in Today's Market!

Each office is independently owned and operated.

I've Moved to KW! Janine Cosek 847.890.8879 JanineCosek@kw.com JanineCosek.com

Please contact me right away for all of your real estate needs, Whether you're buying, selling, or simply have questions, I am here to help!.

Need a Professional Real Estate Agent you can trust?

Each office is independently owned and operated.

JANINE COSEK REALTOR®

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JANINE COSEK REALTOR®

847.890-8879 JanineCosek.com

Each office is independently owned and operated.

JANINE COSEK REALTOR®

847.890-8879 JanineCosek.com

Each office is independently owned and operated.

OPEN HOUSE Each office is independently owned and operated.

OPEN HOUSE Each office is independently owned and operated. Each office is independently owned and operated.

JANINE COSEK - Keller Williams Experience Realty 5122 Main St A, Downers Grove, IL 60515

Janine Cosek - Keller Williams Experience Realty

Each office is independently owned and operated.

Open House Saturday, 01.01.22 from 10-1pm & Sunday, 01.02.22 from 11-2pm

FOR SALE Contrary to popular belief, Lorem Ipsum is not simply random text. It has roots in a piece of classical Latin literature from 45 BC, making it over 2000 years old. Contrary to popular belief, Lorem Ipsum is not simply random text. It has roots in a piece of classical Latin literature. Contrary to popular belief, Lorem Ipsum is not simply random text. It has roots in a piece of classical Latin literature from 45 BC, making it over 2000 years old.Contrary to popular belief, Lorem Ipsum is not simply random text. It has roots in a piece of classical Latin literature from 45 BC, making it over 2000 years old. Contrary to popular belief, Lorem Ipsum is not simply random text. It has roots in a piece of classical Latin literature.

PROPERTY FEATURES

JANINE COSEK

REALTOR®

5 BEDROOMS

LARGE LOT

3 BATHROOMS

OPEN FLOORPLAN

3,212 SQ. FT.

MASTER SUITE

.56 ACRE LOT

SWIMMING POOL

5122 Main St A, Downers Grove, IL 60515

JanineCosek@kw.com

(847) 890-8879

JanineCosek.com

A Hand Crafted Listing Experience LISTING MARKETING PLAN

1234 Maine St. | Naperville, IL 60000

Luxury Listing Agent experience matters

Janine JANINE COSEK - REALTOR® - KW Experience Realty

Profile: Janine is a Residential Home Seller and Buyer Specialist. She is an active member of the National Association of REALTORS® and the MLS. She is a REALTOR® Associate.

847.890.8879 JanineCosek@kw.com JanineCosek.com

Each office is independently owned and operated.

Meet Janine. ABOUT JANINE

About: Janine Cosek is a motivated individual looking to build relationships for a lifetime, not just a transaction. Customer satisfaction is her number one priority, she takes pride in helping others reach their real estate goals with her ability to listen and hear her client's needs. She will always negotiate in the best interest of her clients and with her desire to skillfully and professionally guide you and your family throughout the home buying or selling process. Are you ready to turn the page? Allow Janine to turn your vision into reality.

“One of the most empowering moments of my life came when I realized that life is a question and how we live it is our answer.” -Gary Keller

Top Rated Agent Certified KW Partner.

Meet Janine. MISSION STATEMENT

My Mission: I am dedicated to providing world-class service and market-leading expertise to my clients. I strive to provide the extra value that others simply will not. Fanatical integrity and consistently impressive results are the signature of the service I deliver. I make sure to answer all of my client’s questions whether it be big or small. The collaborative spirit I have with my clients and my desire to grow will help us achieve the goals we set. It is my mission that the clients I serve feel special, are happy, and help them truly win.

Performance. Average Market Time. Janine Cosek - 11 Days.

Average Sale Price. Janine Cosek - $245,700

Percent of List Price Achieved. Janine Cosek - 99.5%

My Marketing Approach.

Preparation for Sale. My marketing process begins long before your home hits the market. I believe that good communication and advance preparation are crucial to the process leading up to actually listing your home. This is why I employ the following in order to present your home in the best possible light to prospective buyers so it sells in the shortest amount of time, and for top dollar.

Because of this, homebuyers will pay a premium for a home that has been remodeled or recently updated. To help you get the most value out of your home, I offer expert advice on where to best spend any time or money updating to make sure you get the maximum return on your investment when selling!

Most homebuyers prefer a home that looks new, or has been recently upgraded; however, many homes that come on to the market are not updated!

Home Analysis. I want your home to be shown in the best possible light! My goal is to make a prospective buyer take notice of your home and compel them to take a look at it in person; a professional stager will define the spaces in your home to create that scenario! My stagers will visit your home before the photography session and will discuss subtle (and sometimes not-so-subtle) ways to make your property stand out in photos, videos and in person to ultimately inspire potential buyers to imagine themselves owning your home. .

Staging a home can help to sell it faster, and for more money. According to a 2018 survey by Home Staging Resource*, 85% of staged homes sold for 6-15% more than homes that had not been professionally staged. Moreover, “68% of those staged homes sold for at least 9% more than their ‘un-staged neighbor’s’ home”!

Preparation of Sale. Quality Visuals | Premium Content.

Professional Photography. If I know one thing, it’s that professional photography is extremely important! Since the majority of buyers begin their home searches online, it’s imperative that the first impressions of a home be one that inspires them to want to see that home in person.

Premium Listings. Online Marketing Website Marketing Syndication to Over 100 Websites! Promoting your home

3-D Virtual Tours Video Tours In addition to still photographs, we also offer video home tours and virtual tours using the latest technology if applicable, enabling potential buyers to feel like they are virtually stepping right into your home and tour through every room.

Preparing for Sale. Market Strategy Online Marketing. Once your home is ready for the market, it’s time to promote it to buyers and their agents everywhere! Keller Williams has joined the industry’s most extensive online marketing program, resulting in exposure on up to 750 different websites.

Website Marketing. My custom website, JanineCosek.com will promote your home as one of our “Featured Listings" and allow buyers to view all of the great photos and info about your home.

Preparation for Sale. Website Marketing. Many people are visual by nature—we print professional, photoheavy brochures that buyers can take with them after touring your property as a reminder of what they loved about your home.

Visit JanineCosek.KW.com

Promoting Your Home.

Promoting Your Home. Social Media Presence.

Direct Mailings.

We’re on social media, using paid posts to advertise your property to a targeted audience; these social media campaigns put your home in front of thousands of buyers who may not have seen it otherwise!

Our direct mail programs target buyers, neighbors, agents and referral sources through “Just Listed “ and “Just Sold” postcards, market statistics and analysis, and quarterly mailings.

Intelligent Pricing.

The Right Price. Vital to Success. Why: 1. A property generates the most interest when it first hits the market. 2. The number of showings is greatest during this time if it is priced at a realistic market value. 3. Starting too high and dropping the price later misses the excitement and fails to generate strong activity. 4. Many homes that start high end up selling below market value.

Weeks on the Market. Below is a numerical distribution and visualization of the average weeks on the market and how quickly homes sell.

Importance of Pricing. Market Strategy Overview. Pricing your property competitively will generate the most activity from agents and buyers. Pricing your property too high may make it necessary to drop the price below market value to compete with new, well-priced listings.

Percentage of Viewings. Numerical Visualization.

Commission Distribution. How we work together.

Real Estate Agents. Nearly nine out of 10 real estate agents work on commission and are paid only when the transaction closes. Except for the legal profession, real estate agents are the only fiduciaries and agents who work this way. To simplify how commissions are routed, the real estate industry customarily allows all sales commissions to be paid out of the seller’s proceeds, according to the terms of the listing agreement.

Brokers. According to licensing law, only licensed brokers can serve as fiduciaries. They have “agents” or licensed salespeople who work for them, but they have the legal responsibilities of operating the brokerage. The salesperson license allows salespeople to serve as agents of the broker. They can negotiate contracts, but the seller is actually negotiating with the broker, by proxy. It’s the broker’s company name and signature on the listing agreement.

Distribution. Once the home is listed in the Multiple Listing Service (MLS), the listing broker discloses the terms of the commissions to other competing brokers, so they will bring their buyers to the listing. When the buyer’s broker presents a contract to the seller, it will include a provision to collect their share of the sales commission, as offers by the listing agent in the MLS.

Overview of Distribution. Commission can be split as many as four ways: · Listing broker or agent · Listing salesperson · Buyer’s broker or agent · Buyer’s salesperson

At Closing. At closing, the listing agent is paid by the escrow agent out of the seller’s proceeds, or a day or two later when the buyer’s loan is funded by the lender. The listing agent, in turn, pays the buyer’s agent his or her share of the sales commission.

Ask Your Realtor®

01 How long have you been selling real estate? I have been licensed since 2019.

03 What is your marketing plan? I employ the top real estate Internet sites, create professionally printed materials, use social media platforms, and, most importantly, talk to REALTORS® and potential buyers so your home stays positioned first.

02 Are you a full-time agent? I sell real estate full-time. To understand the market and to be able to provide the expertise and knowledge of the local market, a great REALTOR must work full-time.

04 How do you determine the value of my home? I employ the top real estate Internet sites, create professionally printed materials, use social media platforms, and, most importantly, talk to REALTORS® and potential buyers so your home stays positioned first.

05 How much real estate do you sell annually? I close an average of 6 properties per year and growing.

06 How many homes have you sold? I've closed 15 properties since I started with more growth expected.

08 What do you do to stay up on market trends? I watch the market using tools like Brokermetrics and, of course, the MLS. I attend Mastermind sessions with agents who, like us, are in the top 3-5% of REALTORS® nationally.

07 How do you handle the workload? I handle everything and utilize marketing and admin assistants to handle smaller day-to-day tasks while I service the big picture items.

09 Will you help me stage my home? Absolutely! In our market, staging isn’t just a nice-to-have feature; it’s a must-have. I will consult with you to help you prepare your home so you can maximize the sale price.

10 Why should I hire you? Because being a REALTOR® means so much more than listing your home. I have always made customer service my top priority. My goal is to make this life-changing experience one of the smoothest possible. It would be my honor to work for you.

Our Network. Excellence is our mission.

For Your Purchase. Lenders Inspectors Financial Planners Attorneys Home Warranty Companies

For Your Home. Heating + Cooling Specialists Plumbers Stone + Granite Electricians Housekeepers Handymen Roofers Painters Interior Designers Landscapers Carpenters Masonry Flooring Specialists

Our Network. For Your Purchase. Staging Specialists Accountants Appraisers Attorneys Storage Facilities Movers

Client Testimonials. “Janine helped us sell our house not only quickly, but for a way better price than we could have ever hoped for! She does her research and knows the market! She’s also very quick with updates, and shares her fair and honest opinion. I will recommend her to anyone I know who’s going to sell or buy!” -Sold a Single Family home in 2021 in Plainfield, IL

“Recomiendo ampliamente Janine Cosek por su trabajo, hizo todo de su parte lo mejor,siempre estuvo disponible en citas y llamadas para la venta de mi casa con muy buena actitud y también por ser bilingüe Gracias.Estoy muy contenta con tu trabajo. (I highly recommend Janine Cosek for her work, she did her best, she was always available on appointments and calls for the sale of my house with a very good attitude and also for being bilingual .Thank you, I am very happy with your work)” -Sold a Single Family home in 2020 in Plainfield, IL

Luxury Listing Agent work with experience

Janine JANINE COSEK - REALTOR® -KW Experience Realty

847.890.8879 JanineCosek@kw.com JanineCosek.com 5122 Main St. A | Downers Grove, IL 60515

Each office is independently owned and operated.

Your Guide to Homeownership Everything that you need to know about buying a home.

Keller Williams Experience Realty 5122 Main St. A. | Downers Grove, IL 60515 Each office is independently owned and operated.

Home Buyers Packet Prepared For: JANINE COSEK

Janine

Compliments of-

Janine Cosek - REALTOR® Profile: Janine is a First Time Home Buyer Specialist. She is an active member of the National Association of REALTORS® and the MLS. She is a REALTOR® Associate.

847.890.8879 JanineCosek@kw.com JanineCosek.com

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“One of the most empowering moments of my life came when I realized that life is a question and how we live it is our answer.” -Gary Keller

Top Rated Agent. Certified KW Partner.

Your Dream Home

Your Preferences

I have been licensed since 2019.

I sell real estate full-time. To understand the market and to be able to provide the expertise and knowledge of the local market, a great REALTOR must work full-time.

Your Neighborhood

Buying 101

I employ the top real estate Internet sites, create professionally printed materials, use social media platforms, and, most importantly, talk to REALTORS® and potential buyers so your home stays positioned first.

At Your Service

My Promise

I close an average of 6 properties per year and growing.

A Sound Decision An Important foundation An Investment Investing in a home is one of the most important decisions you'll make. So much more than a roof over your head, your home is where life unfolds and memories are made, all while building a financial foundation for your future. Deciding how you'll navigate your journey to homeownership is equally critical to the agent you work with. As someone who's been in your spot before, I'm familiar with what's cycling through your mind, and as a real estate agent, I've mastered the ins and outs of the buying process. When you work with me, you'll benefit from my experience, and together we'll work toward making sound, smart decisions for your future.

Together we will make it a reality.

Your Needs Come First Our Partnership Visualize your dream scenario for buying your home. What's the one thing that has to happen to make that dream scenario a reality? Why is that important to you? If we could add just one more thing to make this process even better, what would it be?

Your Goals & Vision DIRECTION AND TIMELINE MATTER. Your needs drive how and when we find your next home. From this day forward, everything I do will be motivated by your goals and how you imagine your life taking place in your new home. Once I get an understanding of where you see yourself, finding your dream home will move quickly, and with minimal interruption to your daily life.

My App: Industry leading Homeowner Support

Guide When middle-of-the-night questions come up or you want real-time information about the status of your transaction, Guide gives you the tools to anticipate and act on every step of the buying process. Paired with my expertise, you'll have everything you need to light your way home.

Search Find your dream home in whatever way works best for you. Whether by neighborhood, school district, ZIP code, and more, my app has the tools to flex with your needs, even when your search extends nationally.

Neighborhoods Get real-time stats on specific communities and go deeper to see what makes them tick. From the locals' favorite coffee shop to the book club that meets once a week, you'll get an idea of what it's like to actually live there.

Collections

Your search results will be filled with homes you want to save and some you'd rather forget. My app lets you "favorite" the homes you love and hide the ones you don't. Create Collections to organize your favorites so you can share and find them with ease and discuss with whomever you please.

Ready to download my app? Head to JanineCosek.kw.com/XXXXXX

Finding Your Way Home

Has Never Been Simpler My app makes achieving your homeownership goals more accessible than ever before. So much more than search, its industry-leading feature set and rich insights will prepare you to handle (and enjoy) the entire journey. Get to know my favorite features before you take it for a spin.

Build Your Preference Profile YOUR pREFERENCES

The Basics Have you considered who my main contact will be? What timeline would you like to strive for? Have you looked into getting preapproved for a home loan? Have you thought about the price range you'd be comfortable with? If I found a home today that checked all of your boxes, could you see yourself making a move sooner rather than later?

What is your favorite way to receive information or updates? Select all that apply Email Call Text What is the best time to reach you? Select all that apply Morning Noon Afternoon Evening Anytime As updates arise, how often do you prefer to be notified? ASAP In a few hours That day Every few days

Your Home Wish List YOUR pREFERENCES

To Begin

Who will be living in this home? Let's list adults, children, and pets that will inhabit the space. What are the non-negotiables for your home? If you had to name your top five nonnegotiables, what would they be? Beyond your top five needs, what is something you really want? Do you have a preference for the year the house was built?

Do you want a house in movein condition or are you willing to do some work on it? When people visit your home, what do you want it to say about you? Are there any specific features that would make your next house feel instantly like home? Will you require any accessibility options?

Your Home Wish List YOUR pREFERENCES

Exterior What type of home are you looking for (e.g ., single-family, condo, town house, etc.)? Approximately what square footage would adequately cover your living space? How many stories would you prefer? What Lot size are you Looking for? What architectural styles are you drawn to? What type of exterior siding appeals to you? Do you want a porch, deck, or both? What are you Looking for in terms of a garage (e.g., attached, carport, etc.)? What type of driveway or vehicle entrance/exit will you require? Do you want a swimming pool or a hot tub? Are you looking for any structures such as a greenhouse or shed? Do you need special outdoor arrangements for pets? (e.g., a dog run, fenced-in yard, etc.) What other exterior features are important to you?

Your Home Wish List YOUR pREFERENCES

Interior What style do you envision for the interior of your home (e.g., formal, casual, cozy, traditional, minimalist, modern, etc.)? What kind of floor plan do you prefer (e.g., open vs. walls or divided living spaces)? In general, what are your preferences for the interior?

Bathrooms How many bathrooms do you need? What are your needs for each of the bathrooms?

Kitchen

Will any bathroom need to serve a specific purpose (powder room, swimming pool access, fit for small children, accessibility specifications)?

What are your general preferences for the kitchen?

Bedrooms How many bedrooms do you need? How will each of those rooms be used? What are your preferences for the owner's suite?

What features must your kitchen have (e.g., breakfast nook, types of appliances, etc.)? What finishes do you like (e.g., countertops, flooring, cupboards, sink, appliances, etc.)? Will your kitchen need to accommodate anything with custom measurements (beverage cooler, island, farmhouse sink, butcher block countertop)?

Your Home Wish List YOUR pREFERENCES

Living Room | Family Room What are your general preferences for your Living and family room(s)? What size room(s) do you have in mind? Do you prefer your Living and family room(s) to be separate and intended for different purposes? Do you want a fireplace? What other living areas are you looking for? [e.g., playroom for children, studio, mud room] What else do you see for Living areas?

Dining Would you Like the dining room to be part of the kitchen configuration? What about the Living room - how should it be situated with regard to the dining room? What size dining room table do you have? Is there other dining room furniture I should take into account?

Your Neighborhood YOUR pREFERENCES What neighborhoods or areas would you enjoy living in? Are there any specific streets or characteristics in these neighborhoods you 're drawn to? If applicable, what school districts do you prefer? Where do you work?

Where are your favorite places to shop? What other conveniences would you like nearby? What do you like to do for fun? Are there any recreational facilities that you enjoy? Any other considerations I should be aware of as we find your ideal neighborhood?

Getting to Know the Neighborhood Real-Time Stats Your Neighborhood Matters Your neighborhood is an extension of your home. Neighbors, surroundings, and access to everyday things can and should factor into your decision. Based on what you've shared so far, I pulled real-time stats and insights to compare a few areas. Once we narrow down the neighborhoods you're most interested in, I'll send you information on homes that look like a good fit. Always remember that you can search, save, and organize your favorites on my site, RicardoAgent.kw.com.

“Success is actually a short race—a sprint fueled by discipline just long enough for habit to kick in and take over.” -Gary Keller

Map Your Move Timing Strategy When is the best time to buy? There's only one right answer: When you find a home that you love. Inventory and the economy will wax and wane, but when you find a house you can see yourself in, the timing is just right. Below, take a comparative look at neighborhoods with inventory that fits your preferences.

Find the home you love.

Neighborhood Insights Compare and contrast

Average Listing Price

Average Selling Price

Average Price/Sq. Ft.

Average # DOMt

Average # DOM

Total Active Listings

Total Pending Listings

School Ratings

Neighborhood Website

Thoughts on Neighborhoods Notes:

Home Loans Simple & Headache Free

Your Dream Home

Find Your New Home

Absorb their local insight Find neighborhood inventory levels See what's about to hit the market Gain access to off-market properties Review market averages Complete needs assessment

Compare home and neighborhood Narrow it down Save favorite Homes Nix homes that don't meet the mark Schedule home tours and plan an itinerary with your agent Decide on your dream home

03 Get Pre-Approved Understand what you can afford Determine monthly mortgage payment Understand your debt ratio Prepare for escrow Obtain a pre-approval letter

04 Offer & Negotiations Review terms and time limit Negotiate purchase price Choose a title company Shop home insurance options Down payment/earnest money prep Choose a target closing date Sign the offer Deliver escrow check Stay in close contact with your agent

Preparing for Closing Simple & Headache Free

05 Under Contract Secure a home loan Acquire home insurance Property convey list request Schedule home inspection Negotiate repairs Acquire a property disclosure Order an appraisal Neutralize contingencies. Input any contingencies Conduct a title search Choose your title company Schedule your closing Solidify both contract effective and allowable move-in dates Certify funds for closing

06 Before You Close Transfer funds for closing Reserve a moving company and set a moving date Change your address through USPS, your bank, and other instances Set up your utilities to be activated or transferred Confirm that all contingencies are resolved Schedule the final property walk-through Designate a safe, dedicated space to save your final paperwork Stay in close contact with your agent, lender, and title company

Stay in close contact with youragent, lender, and title company

Home Loans How to succeed when closing

07 Closing Day

Stay Ahead Closing Day Roadmap - Connect with your lender to wire down payment funds. You'll need to

Sign closing disclosure, promissory note, and all other documentation Title transfer Deed delivery Save your paperwork in your pre-designated spot Get your keys - congrats, it's all yours!

cover the cost of closing and the down payment. - Bring a printed confirmation of your wire transfer - Government-issued Photo ID(s) - Social Security numbers - Home addresses from the last 10 years - Proof of homeowner's insurance Your copy of the contract

Best Practices Stay in touch with your agent for current or future recommendations regarding your new home. Use the Guide feature in my app to find step-by-step, on-demand information throughout your purchase.

Financing Your Future Home

Homes at a glance Do's and Dont's Do-

✓ Notify your lender of any address change,

Don'tx Make large purchases using existing credit without first talking to your lender

whether it's your home address or

✓ ✓ ✓ ✓

another listed on your application

Notify your lender of any salary or wage

x Pay off, transfer, or close credit balances unless you lender instructs you to do so

changes Be prepared to provide proof of significant bank deposits Acquire homeowner's insurance immediately after going under contract Keep all forms of debt paid and in check

Apply for or acquire any additional lines of credit

x Change jobs without first talking to your lender x Co-sign for another person seeking to obtain a line of credit or to make a purchase

Pay off collections before conferring with your lender

HOME LOANS AT A GLANCE Get pre-approved for your loan Apply for a mortgage Get your home appraised Your loan goes through underwriting You're cleared to close!

Successful Best Practives Financing Your Future On-Hand □ A month's worth of your most

□ Last three months of bank

recent pay stubs

statements

□ Copies of your federal tax returns

□ A copy of your real estate

and W-2's from the last two years

agreement

□ The names and addresses of your

□ The names and addresses of

employers over the last two years,

your landlords over the past

compiled into one list

two years

□ Divorce/separation decree □ Child support papers

□ Bankruptcy, discharge of bankruptcy papers

Ready to download my app? Head to JanineCosek.kw.com/XXXXXX

Home Loans Made Simple Integrated with KW technology, Keller Mortgage makes for a swift, simplified experience that expedites the process so you can move into your new home, faster. Available exclusively through KW agents like me, you'll enjoy unprecedented savings on time and money.

Pre-Approval 1 Apply directly and digitally 2 Simplify and expedite the process

Bottom line Working with a Keller Williams agent like me has its perks. Whether this is your first time securing a home loan, or it's your 15th and you're ready for a better alternative, look to Keller Mortgage for a modern-day mortgage solution.

ZeroPlus Loan 1 A Keller Mortgage exclusive 2 Eliminate signing and lender fees 3 Shave off up to $1,000 from third-party costs 4 Enjoy super-low interest rates

Real Value real Expertise My Approach When you choose to work with me, you're partnering with a trained agent that has the backing of the world's Largest real estate company, consisting of 180,000+ associates around the globe. That puts your search in the hands of the Largest, most resourceful real estate network. And, by choosing to partner with me and the Keller Williams family, you gain access to a suite of technology that keeps you informed and engaged with what's happening in the neighborhoods you're eyeing. Keller Williams was built on a simple-yet-revolutionary principle: people are what matter most. To help cement this understanding, we've formalized a belief system that guides how we treat each other and how we do business.

150

Janine Cosek Realtor®

Years In Business Total Clients Served Repeat Clients Clients Served in 2021

Contact 847.890.8879 JanineCosek@kw.com JanineCosek.com

Keller Williams Experience Realty 5122 Main St. A. | Downers Grove, IL 60515 Each office is independently owned and operated.

My Competitive Advantage My Promise

Industry insider Facilitator, negotiator, teacher, cheerleader, confidant - a good agent wears all the hats. In my years with Keller Williams, honing these skills has helped me develop relationships of value.

Local Expert I've become something of an area expert. Aside from knowing this market inside and out, being involved in the community has shown me what makes it unique. The personalities and the places, the new and the established, the good and that-which-has-seen-better-days - all feed my Local knowledge and will help you when decision time comes.

Tech-Enabled Based on customer and agent feedback gathered from all over the world, we developed a suite of Leading edge, customer-centric tools that work in your favor, complementing your experience for faster, best-in-class results. With a massive amount of data at my fingertips, I'm able to foresee even the smallest microtrend coming down the pike, giving you the full story before you proceed.

Performance. Number of Buyers Goals Fulfilled. Janine Cosek - 11 Days.

Average Purchase Price. Janine Cosek - $245,700

Percent of List Price Achieved. Janine Cosek - 99.5%

Your Trusted Partner Making Your Future A Reality Our Partnership From the day you partner with me, and even past the day you step foot in your new home, consider me your dedicated real estate adviser. Whatever you need, I have the resources and expertise to guide your decisions. Throughout your transaction, you can come to me for both the little things and the important steps, like comprehensive home insurance and competitive financing - I have the inside edge on both. After your purchase, ask me to recommend fully vetted service specialists or about how you can care for your home. Further down the road, should you ever want to sell, I'll be your trusted point person. You'll always have my number, and I'll always be ready to spring into action; just say the word!

Top Rated Agent. Certified KW Partner.

Client Testimonials How we worked together.

"Janine sold my condo in just 12 days. She went above and beyond to make sure all of my questions were answered and was in constant communication with me throughout the entire process. I would highly recommend Janine to anyone looking for a world-class real estate agent!"

Lonnie, Client since 2008

"It was a joy to work with Janine at Keller Williams. She made me feel at ease about the entire transaction. I've already recommended her to two of my friends, and they've had similar experiences as well! Janine is simply the best."

Bob and Marcia, Clients since 2010

"Janine is a professional, hands down Not only does she know real estate, she knows Springfield like the back of her hand. Before we even met to discuss Janine selling my home, she had compiled a list of 15 interested buyers looking at our neighborhood. Our house sold in just 10 days. I am beyond satisfied with my experience with Janine."

Lucy, Client since 2014

A Promise To You

My Promise Professionalism & Approach To serve the community as a leader in the real estate industry and as a friend and neighbor To always do the right thing, even if it isn't what is easiest To take care of your needs at the highest level through unparalleled professionalism and attention to detail. No request is too small To serve as a trusted local expert and adviser by your side

To consistently and clearly communicate with you in the manner and frequency that you prefer To treat you and your family with straightforwardness, integrity, and respect at all times To answer your questions, ease your concerns, reduce your stress, and expertly handle the entire real estate transaction To hold myself accountable to finding the perfect home for you - after all, that is what my business is built on

The Community We Live Here, We give Here

Red Day RED Day, which stands for Renew, Energize and Donate, is our annual day of service. Each year on the second Thursday of May, we celebrate RED Day as a part of our legacy worth leaving. Making a difference in the lives of others and bettering the communities that we serve lies at the heart of the Keller Williams culture.

Community Enrichment Habitat for Humanity in [city name] embodies a value close to my heart: HOME. It's where the heart is and the more people who have a home, the more our community can thrive. Each year, I join forces with other like-minded folks and contribute what I can to ensure a strong future for the residents of our town.

Community Service Habitat for Humanity in [city name] embodies a value close to my heart: HOME. It's where the heart is and the more people who have a home, the more our community can thrive. Each year, I join forces with other like-minded folks and contribute what I can to ensure a strong future for the residents of our town.

Searching Safely Financing your Future

Health COVID-19 doesn't have to impact your search for the perfect home. Below are some of the precautions I am taking to maximize

your

results

while

minimizing your risk. Want to see a property in person before making an offer? Reach out to schedule a private tour following these social distancing guidelines: Maximum of four people per appointment (five including myself) General symptoms assessment upon arrival (including temperature check) Masks to be worn over the nose and mouth at all times while on property Disposable shoe coverings to be worn at all times while inside the house

MY KW APP With my KW App, you can safely

for

your

home from the comfort of your current one. Search properties via zip code, neighborhood, or school district and schedule a virtual tour of the ones you love directly in the app! CONTACTLESS TRANSACTIONS All showing requests, offers, and as much of the closing process

possible

will

handled digitally. Any necessary in-person interactions will take place in well-ventilated areas following

social

distancing

guidelines.

Appointments will last no more than an hour Majority of discussion will take place in well-ventilated areas

Ready to download my app? Head to JanineCosek.kw.com/XXXXXX

High-touch surfaces will be disinfected after showing All follow-up paperwork will be conducted digitally

These safety measures are standard for all transactions, but I am more than happy to honor any additional precautions you have in mind.

The Bottom Line Simplifying Your Search Our Partnership Real estate is complicated. That's where I come in. At the closing table, my goal is for you to feel that the purchase of your home exceeded all of your expectations, so throughout our interactions - from search to close - I'll work hard to achieve that goal. When you choose me as your partner, you are not just getting a trusted, respected agent - you are getting a local expert who is passionate about serving our community and those who call it home. Let's get started.

-JANINE COSEK

Top Rated Agent. Certified KW Partner.

Commonly Used Terms Glossary ANNUAL HOUSEHOLD INCOME Collective income from everyone in your household before taxes or other deductions are taken, investment income or dividends, Social Security benefits, alimony, and retirement fund withdrawals. APR APR refers to the annual percentage rate, which is the interest rate you'll pay expressed as a yearly rate averaged over the full term of the loan. APR includes lender fees in the rate, so it's usually higher than your mortgage interest rate. APPRAISAL A written justification of the price paid for a property, primarily based on an analysis of comparable sales of similar homes nearby. APPRAISED VALUE An opinion of a property's fair market value, based on an appraiser's knowledge, experience, and analysis of the property. Since an appraisal is based primarily on comparable sales, and the most recent sale is the one on the property in question, the appraisal usually comes out at the purchase price. CLOSING COSTS Generally, 2 to 5 percent of the purchase price include lender fees, recording fees, transfer taxes, third-party fees such as title insurance, and prepaids and escrows such as homeowner's insurance, property taxes, and HOA fees. CLOSING DISCLOSURE A document that provides an itemized listing of the funds that were paid or disbursed at closing. DEED The legal document conveying title to a property. DOWN PAYMENT A cash payment of a percentage of the sales price of the home that buyers pay at closing. Different lenders and loan programs require various down payment amounts such as 3 percent, 5 percent, or 20 percent of the purchase price.

Commonly Used Terms Glossary EARNEST MONEY DEPOSIT Also known as an escrow deposit, earnest money is a dollar amount buyers put into an escrow account after a seller accepts their offer. Buyers do this to show the seller that they're entering a real estate transaction in good faith. ENCUMBRANCE Anything that affects or limits the fee simple title to a property, such as mortgages, leases, easements, or restrictions. EQUITY A homeowner's financial interest in a property. Equity is the difference between the fair market value of the property and the amount still owed on its mortgage and other liens. ESCROW Putting something of value, like a deed or money, in the custody of a neutral third party until certain conditions are met. HOMEOWNERS ASSOCIATION FEE (HOA) A fee required when you buy a home located within a community with an HOA that typically pays for maintenance and improvements of common areas and may include the use of amenities. HOMEOWNER'S INSURANCE Insurance that provides you with property and liability protection for your property and family from damages from a natural disaster or accident. Lenders usually require borrowers to buy homeowner's insurance. HOME WARRANTY A contract between a homeowner and a home warranty company that provides for discounted repair and replacement service on a home's major components, such as the furnace, air conditioning, plumbing, and electrical systems. LENDER FEES Part of the closing costs of a home purchase and may include an application fee, attorney fees, and recording fees. The lender's underwriting or origination fee is usually 1 percent of the loan amount.

Commonly Used Terms Glossary LOAN TYPES Mortgages have different terms ranging from 10 to 30 years and are available with fixed or adjustable interest rates. Your lender can discuss down payment, insurance, credit requirements, and other specifics of various loan types. MONTHLY DEBT The minimum payment on credit card debt; auto, student, and personal loan payments; and alimony or child support. Rent or mortgage for a property that you will pay after your home purchase must also be included. MORTGAGE A loan from a bank, credit union, or other financial institution that relies on real estate for collateral. The bank provides money to buy the property. and the borrower agrees to monthly payments until the loan is fully repaid. MORTGAGE INSURANCE Insurance that protects the lender and repays part of the loan if the borrower defaults and the loan can't be fully repaid by a foreclosure sale. Usually required on loans with less than a 20 percent down payment. PROPERTY TAXES Typically imposed by local governments on real property including residential real estate. The tax rate can change annually, and the assessed value of your property is usually recalculated annually.

PREPAIDS Prepaids are expenses paid at the closing for bills that are not technically due yet, such as property taxes, homeowner's insurance, mortgage insurance, and HOA fees. THIRD-PARTY FEES Any closing costs charged by someone other than your lender, typically including fees for an appraisal, a property survey, a title search, owner's and lender's title insurance, and sometimes an attorney.

Contact Information Prepared For: CLIENT NAME

Janine

Contact information

Janine Cosek - REALTOR® @Facebook.com/Janine.Cosek @Youtube.com/JanineCosek @Linkedin.com/in/janinecosek/

847.890.8879 JanineCosek@kw.com JanineCosek.com

Each office is independently owned and operated.

123 Main St. | Anytown, IL 60000

PROPERTY DESCRIPTION Lorem ipsum dolor sit amet, conse adiplit, sed diam non nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud Lorem ipsum dolor sit amet, Lorem ipsum dolor sit amet, conse adiplit, sed diam non nibh euismod tincidunt ut laoreet dolore,Ut wisi enim ad minim veniam, quis nostrud Lorem ipsum dolor sit amet, Lorem ipsum dolor sit amet, conse adiplit, sed diam non nibh euismod tincidunt ut laoreet dolore.Lorem ipsum dolor sit amet, conse adiplit, sed diam non nibh euismod tincidunt ut laoreet dolore

Lorem ipsum dolor sit amet, conse adiplit, sed diam non nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud Lorem ipsum dolor sit amet, Lorem ipsum dolor sit amet, conse adiplit, sed diam non nibh euismod tincidunt ut laoreet dolore,Ut wisi enim ad minim veniam, quis nostrud Lorem ipsum dolor sit amet, Lorem ipsum dolor sit amet, conse adiplit, sed diam non nibh euismod tincidunt ut laoreet dolore.Lorem ipsum dolor sit amet, conse adiplit, sed diam non nibh euismod tincidunt ut laoreet dolore

PROPERTY FEATURES FIVE BEDROOMS THREE AND A HALF BATHROOMS 3,265 INTERIOR SQUARE FEET 0.58 ACRE LOT REMODELED GOURMET KITCHEN PRIVATE BACKYARD WITH PATIO LAUNDRY ROOM

JANINE COSEK | REALTOR® Call/Text: (847) 890-8879 JanineCosek@kw.com Email: JanineCosek.com Web: Each office is independently owned and operated.

45 S Park Blvd, Glen Ellyn IL 60137

JUST LISTED

123 Main St. | Anytown, IL 60000

4.5

3,263

.76

SQ. FT.

ACRES

ABOUT THE PROPERTY This elegant single family home sits on a tree-lined street in highly desirable North Littleton, just minutes to Littleton Academy elementary, Heritage High School, downtown Littleton & Denver center. Meticulous attention to detail is presented in throughout the home with a completely upgraded chef's kitchen, oversized master bedroom suite and a large backyard for entertaining. Too much to list, come and see!

JANINE COSEK REALTOR®

Call/Text: (847) 890-8879 JanineCosek@kw.com Email: JanineCosek.com Web: Office: 5122 Main St A, Downers Grove | IL 60515

Each office is independently owned and operated.

Scan Me or Visit JanineCosek.com and Contact Me for More Information and Photos of this Property!

JUST SOLD

123 Main St. | Anytown, IL 60000

4.5

3,263

.76

SQ. FT.

ACRES

SOLD IN 5 DAYS! It is such an honor to help my clients achieve their real estate goals. Wondering what your home could be worth in today's market? I would love to use my years of experience to help you. Whether you just need simple advice or help with an upcoming transaction, I would be delighted to speak with you. JANINE COSEK REALTOR®

Call/Text: (847) 890-8879 JanineCosek@kw.com Email: JanineCosek.com Web:

Office: 5122 Main St A, Downers Grove, IL 60515

Each office is independently owned and operated.

Scan Me or Visit JanineCosek.com and Contact Me to Find Out What Your Home is Worth in Today's Market!

Each office is independently owned and operated.