CHICAGO WEST & FAR WEST SUBURBS
Volume 6, Issue 6
Mortgage Myths Debunked Page 8-9
Gracious 7,000 SqFt Home With Private Master Wing. Lush 3.58 Acre Yard Has River Views! Walk to Town! See Page 3
Cover Home Presented By
Alex & Vicky Rullo 630-513-1771
St. Charles, IL
Scan This Code With Your Camera To See All Photos & Details
The Right Realtor® Makes A Difference. Top 20 Realtor in Illinois for 24 Consecutive Years!
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Call 630-513-1771 for info
ELBURN | $400,000 ST. CHARLES SCHOOLS!
ST. CHARLES | $449,500 STUNNING UPDATED HOME!
ST. CHARLES | $429,500 PERFECT HOME! PERFECT LOCATION!
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CAMPTON HILLS | $729,000 SANDY BEACH & STOCKED POND!
ST. CHARLES | $850,000 PRIVACY ABOUNDS!
ST. CHARLES | $824,900 5 ACRE ESTATE!
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ST. CHARLES | $529,500 STEPS FROM THE RIVER & DOWTOWN!
GENEVA | $375,680 PRISTINE RANCH!
ELGIN | $235,000 NEW LISTING!
How Much Is Your Home Worth? Scan this code with your camera or visit www.FoxValleyHomeValues.com
It’s automated and it’s FREE! No need to speak to an Agent Follow us on:
To View Photos and Listing Details Text the Property Listing Code to 52187
Alex & Vicky Rullo 630-513-1771
All Pro St. Charles, IL
St. Charles | $1,850,000 UNPARALLELED ELEGANCE!
CALL 630-513-1771 FOR INFO To View Photos and Listing Details Text the Property Listing Code to 52187
Page 4 - Vol. 6, No. 6
PREMIERE Wheaton, IL
Text RBGPZYB to 52187 For Photos Text RBGQNFX to 52187 For Photos Text RBGRSHK to 52187 For Photos GLEN ELLYN - QUALITY CRAFTSMANSHIP & DETAIL WHEATON - RARELY AVAILABLE TOWNHOME WHEATON - CHARM & TIMELESS ELEGANCE
Maintenance Free, Solar Powered Smart Home
Expansive Floorplan With 1759 SqFt
4 Story Queen Ann With 3900+ SqFt
$1,274,000 | 5 BDR/5.1 BA | Paula 630-251-5155 $365,000 | 2 BDR/2.1 BA | Call Becky or Eric $774,900 | 4 BDR/3.2 BA | Call Becky or Eric
Text RBGRTHT to 52187 For Photos Text RBGDFZG to 52187 For Photos Text RBGQLKS to 52187 For Photos SUGAR GROVE - COMING SOON WHEATON - CHARMING COTTAGE WHEATON - CHARMING CAPE COD
Updated Country Estate. 5 Acres, 9 Car Gar Vintage Style, Historic Design Elements
$1,050,000 | 4 BDR/3.1 BA | Paula 630-251-5155 $389,900 | 4 BDR/2 BA | Becky 630-260-2838
Tastefully Updated With Huge Garage
$399,900 | 4 BDR/2 BA | Call Becky or Eric
Text RBGRTJD to 52187 For Photos Text RBGGYNJ to 52187 For Photos Text RBGPKWF to 52187 For Photos WEST CHICAGO - COMING SOON WHEATON - 1ST FLOOR MASTER SUITE WHEATON - ORIGINAL CHARM
Beautifully Updated, Gardener's Paradise
Open Floorplan, Office, Sunroom
$350,000 | 3 BDR/2 BA | Paula 630-251-5155 $619,400 | 5 BDR/3.1 BA | Call Becky or Eric
1925 Vintage Farmhouse On 3/4+ Acre $439,900 | 3 BDR/2 BA | Call Becky or Eric
Text RBGRTJK to 52187 For Photos Text RBGMHWK to 52187 For Photos Text RBGRYPF to 52187 For Photos WHEATON - COMING SOON WHEATON - LUXURY DREAM HOME WHEATON - MAINTAINED RAISED RANCH
4300 SqFt Custom Home, Great Location
Beautifully Designed Custom Home
Great Floorplan, Kitchen w/Granite & SS Appls
$999,000 | 5 BDR/5 BA | Paula 630-251-5155 $999,999 | 4 BDR/4.1 BA | Call Becky or Eric $399,900 | 4 BDR/2 BA | Diane 630-254-4226
Home to a Better Mortgage Experience.
630-836-2529 phone 630-836-2579 fax email@example.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
Vol. 6, No 6 - Page 5
Text the Listing Code to 52187 for more Photos & Details or Visit My Website to View These Homes & More. TimBinning.com Coming Soon!
Open Concept Great Room
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Great location near schools and parks, shopping and transportation. BLOOMINGDALE | 2 BDR/1 BA | $164,900
Complete the finishing touches on this remodeled home. ITASCA | 5 BDR/3 BA | $339,900
Totally updated ranch with finished bsmnt. 2 car attached garage. BATAVIA | 3 BDR/3 BA | $349,900
Spacious split level home. Finished lower level with huge family rm. ROSELLE | 3 BDR/1 BA | $349,900
Lake Point Tower
Urban Luxury Row Homes
Traditional & Timeless
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Newly renovated, high floor home w/unobstructed lake & city views. CHICAGO | 2 BDR/2 BA | $649,900
Sophisticated finishes, private ent & rooftop terrace. Fox River views. GENEVA | 3 BDR/3 BA | $929,900
New home with stylish design for a modern lifestyle. Great location. GENEVA | 4 BDR/3 BA | $949,900
Downtown's historic district. Dream kitchen, Fox River views. GENEVA | 4 BDR/3 BA | $1,250,000
Competitive Rental Rates
Newer Strip Center
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3,300 SF available in Starbucks anchored shopping center. BARTLETT | Call For Price
1,035-2,277 SF Available With A 20,560 SF Power Anchored Center. ST. CHARLES | Commercial
1,400 SqFt, Randall Rd corridor. Strip High traffic area. Improvement mall anchored by Bulldog Ale House. funds available. Motivated landlord. NORTH AURORA | Call Today OSWEGO | Call For Price
Housing Demand Is HIGH & Housing Inventory Is LOW!
Tim Binning Broker/Owner
Buyers Are Motivated & Ready To BUY...
• Pre-Qualiﬁed Buyers • Multiple Oﬀers • Top Dollar Oﬀers • Cash Buyers • Ready To Move Consumers
RE/MAX All Pro 66 Stratford Drive Bloomingdale, IL 3 Offices in Bloomingdale, St. Charles & Sugar Grove
Page 6 - Vol. 6, No. 6
Scan this code with your camera to shop for homes 24/7 on your phone.
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DIANE BRINEGAR Buyer’s/Seller’s Agent
Text RBGKXYF Call Today! to 52187
Beautiful Lot In The Estates Of Fox Chase. Build Your Dream Home Here Oswego | $55,000 MLS #11076365 Janet Seego 630-253-0681
2 acre Lot Sits High Off Of The River With Great Views Millington | $129,900 MLS #11086974 Angela Cramer 815-793-7319
Great Location No SSA Tax Or HOA 5 BDR/3 BA Plano | $229,900 MLS #11091154 Angela Cramer 815-793-7319
Great Farmhouse Zoned AG1 3 BDR/3 BA Shabbona | $169,900 MLS #11015522 Debbi Brinegar 630-618-8156
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MAGDA EMMERT Buyer’s/Seller’s Agent
(317) 372-8251 “Hablo Español”
Beautifully Remodeled Home 3 BDR/1 BA Park Forest | $129,900 MLS #11087481 Call 630-896-5000
Solid Built Brick Ranch 3 BDR/1.2 BA Aurora | $239,900 MLS #11090357 Call 630-879-9555
2200 SqFt, 1st Floor Bedroom 4 BDR/1 BA Somonauk | $179,900 MLS #11087693 Call 815-498-3377
Great Investment Opportunity In This 2 Unit 6 Bedroom Flat Joliet | $235,000 MLS #11087426 Call 630-553-5060
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ANN MOEHRING Buyer’s/Seller’s Agent
So Much Potential 2 BDR/1 BA Newark | $65,000 MLS #11079284 Call 630-553-5060
Investment Opportunity. 2 Units One 1 Bedrm, One 2 Bedrm Ottawa | $109,000 MLS #11048539 Call 630-553-5060
Beautiful Ranch Home 3 BDR/2 BA Big Rock | $269,300 MLS #11047744 Call 630-553-5060
Beautiful Updated Kitchen 3 BDR/2 BA Aurora | $156,900 MLS #11086787 Call 630-896-5000
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Affordable & Updated Home 3 BDR/1 BA Hickory Hills | $209,900 MLS #11080724 Call 630-896-5000
Country Living Near Town 2 BDR/1 BA Franklin Grove | $130,000 MLS #11034929 Call 815-786-3200
One Of The Best Lots In Town. Near Newer Homes Sandwich | $40,000 MLS #11074018 Call 815-786-3200
New 3,000 SqFt Custom Home 4 BDR/3.1 BA Plainfield | $699,000 MLS #10935112 Call 630-466-4600
KETTLEY INSURANCE • 630-896-4477 SERVING THE FOX VALLEY FOR OVER 50 YEARS SINCE 1962
Vol. 6, No 6 - Page 7
Calling Us Will Be Your Best Move
630-336-5962 Aurora, IL
Seller Services: Home Pricing Analysis & Listing Strategy | Home Staging Recommendations | Professional Guidance & Contract Negotiations | Closing Management
NAPERVILLE $325,000 Terrific tri-level in a great location with many updates. Professional landscaping. Updated master suite with private bath. 4 BDR/2.1 BA
Buyer Services: Complete Housing Analysis & View Desired Homes | 1st Time Buyer or Move Up Buyer Program | Lender Legal & Contractor Referrals | Structure Offer to Purchase & Negotiating Strategy
SUGAR GROVE $369,900 Builder model quality craftsmanship. Flowing floorplan, spacious great room, gourmet kitchen, walkout basement. 3 BDR/2 BA
OSWEGO $380,000 Luxury living at its in finest. Builder model quality craftsmanship. 1st floor master suite. Deluxe cook's kitchen. 1st floor laundry. 3 BDR/2.1 BA
Values are quickly changing! Ask us for a customized current report on your home's value.
OSWEGO $475,000 Entertaining home. 1st floor office. Huge family room, dream kitchen, sunroom, Expansive loft. Clubhouse Community. LOFT+ 5 BDR/3 BA
Page 8 - Vol. 6, No. 6
MORTGAGE MORTGAGE MYTHS MYTHS DEBUNKED DEBUNKED Buying your first home is is one ofof the Buying your first home one themost mostintimidating intimidatingand andoverwhelming overwhelmingpurchases purchasesthat thatwe wemake makein inour ouradult adult lives. The idea of a mortgage can be daunting, and you may question your creditworthiness, your financial lives. The idea of a mortgage can be daunting, and you may question your creditworthiness, your financial obligations asas aa mortgage holder, obligations mortgage holder,and andwhat whatititmeans meanstotohave haveaahome homeas asan aninvestment. investment. Often times, consumers are misled their Often times, consumers are misledbyby theirown ownmisconceptions misconceptionsand andhave haveyet yetto tolearn learnthe thefacts factsabout about mortgages. ToTo here you along the way, mortgages. here you along the way,here hereare aresome somecommon commonmortgage mortgagemyths mythsand andthe thetruth truthbehind behindthem. them. AA HIGH CREDIT SCORE ISN’T AA MUST HIGH CREDIT SCORE ISN’T MUST
YOU YOUDON’T DON’TNEED NEEDAA20% 20%DOWN DOWNPAYMENT PAYMENT
Many home hunters think that aa high orornear Many home hunters think that high nearperfect perfectcredit credit score is a necessity in order to qualify for a mortgage score is a necessity in order to qualify for a mortgageinin the first place. Thankfully, this is is false. Some the first place. Thankfully, this false. Somefirst-time first-time homeowners haven’t adequately built upuptheir homeowners haven’t adequately built theircredit, credit,soso there are fortunately loans out there, suchasasa aFHA FHAloan, loan, there are fortunately loans out there, such that have a minimum FICO score requirementofof580. 580.If If that have a minimum FICO score requirement your credit score lower than this, considertaking takingaafew few your credit score is is lower than this, consider years better build your score. higherscore scorecan canmean mean years toto better build your score. AA higher more flexibility home buying. more flexibility in in home buying.
The The20 20percent percentmarker markeras asaagoal goalfor fordown downpayment payment isisnothing less than intimidating. These nothing less than intimidating. Thesedays, days,there there are are many manyloans loansthat thatdo donot notrequire require20% 20%down. down.The The previously previously mentioned mentionedFHA FHAloan loancan canrequire requireas aslittle littleas as3.5% 3.5% down. down. Thedownside downsideto tothis thisisisthe therequired requiredPMI PMI(private (private mortgage mortgage The insurance)that thatisistacked tackedon ontop topof ofthe themortgage mortgage payment payment insurance) asaaprotection protectionfor forthe thelender. lender.One Oneunconventional unconventional route route as takingout outaaloan loanfor foryour yourdown downpayment paymenton on top top of of isistaking themortgage mortgageloan, loan,but butthis thismuch muchborrowing borrowingcan can get get out out the handquickly. quickly.Keep Keepininmind mindthat thatthe thelower lowerthe the down down ofofhand payment,the thehigher higherthe themonthly monthlymortgage mortgagepayment. payment. payment,
HOME INVESTMENT NOT-SO-SURETHING THING AA HOME INVESTMENT ISIS AA NOT-SO-SURE Some people believe that buying houseasasan aninvestment investment Some people believe that buying aa house opportunity is sure a sure thing return investment.This This opportunity is a thing forfor return ononinvestment. simply is not the truth. Although housecan canhold holditsitsvalue, value, simply is not the truth. Although aa house important not into home buyingwith withonly onlyreturns returns it’sit’s important not toto gogo into home buying in mind. The housing market fickle creature,and andeven even in mind. The housing market is is aa fickle creature, when things are good, values rise slowly. Remember that when things are good, values rise slowly. Remember that it takes a while to build equity, particularly if your down it takes a while to build equity, particularly if your down payment is small. The first few paymentsininthe thelife lifeofofaa payment is small. The first few payments loan go towards interest, not the equity nest egg. Evenif if loan go towards interest, not the equity nest egg. Even you are approved a large mortgageloan, loan,remember remember you are approved forfor a large mortgage keep the location the home, wellasashow howwell wellthe the to to keep the location ofof the home, asas well home works you, the forefront yourmind, mind,rather rather home works forfor you, atat the forefront ofofyour than being investment minded. than being investment minded. Source: fha.com, money.usnews.com, housingwire.com Source: fha.com, money.usnews.com, housingwire.com
PRE-QUALIFIEDIS ISNOT NOTPRE-APPROVED PRE-APPROVED PRE-QUALIFIED Beforeyou youbegin beginyour yourhome homeperusal, perusal,start startwith with aa stop stop at at Before thebank. bank.Find Findout outwhat whatyou youare arepre-qualified pre-qualifiedfor for and and let let the thisnumber numberhelp helpnavigate navigateyour yourhunting. hunting.Don’t Don’tbe be fooled, fooled, this though. Pre-qualifying doesn’t guarantee that you will be be though. Pre-qualifying doesn’t guarantee that you will approved for that amount in the final purchasing hour. approved for that amount in the final purchasing hour. Onceaahome homeisisdecided decidedupon, upon,aalender lenderwill willuse use things things Once beyond your stated income to determine your approved beyond your stated income to determine your approved amount.This Thisincludes includesthings thingssuch suchas aspast pasttax taxreturns returns and and amount. creditscore. score.Further Furtherstill, still,credit creditchecks checksor ormajor major purchases purchases credit upuntil untilyour yourclosing closingdate datecan cantake takeaatoll tollon onwhat what your your up mortgage lender will give out. mortgage lender will give out.
Vol. 6, No 6 - Page 9
Contact One One Of Of Our Our Featured FeaturedLENDERS LENDERS Contact For Your Your Mortgage Mortgage Needs NeedsTODAY! TODAY! For
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Page 10 - Vol. 6, No. 6
Four Exciting Features for the
OUTDOOR KITCHEN Outdoor kitchens are on the rise in luxury real estate. As homeowners increasingly look to create their own private oasis in the backyard, a cooking space has become just as coveted as a sparkling swimming pool and spacious terrace where the whole family can spend time together. If you want an outdoor kitchen that leaves nothing to be desired, here are few exciting features to include.
Vol. 6, No 6 - Page 11
DELUXE GRILL The grilling station is often the centerpiece of the outdoor kitchen and essential for any warm-weather gathering in the backyard, which is why many homeowners choose to invest in a high-end option. If you want the versatility to prepare everyone’s favorite dishes, a deluxe grill that’s equipped with multiple burners, a rotisserie and a smoker box will ensure successful barbecues all season long.
popular option to endure outdoor conditions without compromising on style.
PIZZA OVEN If you want to mix up your menu and take a break from the grill, there’s nothing like a wood-burning pizza oven. With a wide variety of materials to choose from—such as natural stone, brick and clay, to name a few—you can get just the right aesthetic and elevate your outdoor kitchen to enjoy family pizza night on the patio.
REFRIGERATION When it comes to convenience, you simply can’t beat having your outdoor cooking area equipped with a refrigerator. This allows you to keep beverages, side dishes and any perishable ingredients nearby, avoiding the need to run back inside to the kitchen every time you need something. A sleek, stainless steel design is always a
BAR AREA For those who like to sip a cocktail or craft beer while lounging in the backyard, a well-designed bar area is in order. In addition to a bar counter and stools, you may want to include a prep area for mixing drinks, as well as a built-in kegerator that allows you to keep your favorite beer on tap.
Reprinted with permission from RISMedia. ©2021. All rights reserved.
Page 12 - Vol. 6, No. 6
THERE’S NEVER BEEN A BETTER TIME TO SELL! ATTENTION HOMESELLERS: Are you considering selling your home? Low Supply
Low Interest Rates
= INCREDIBLE OPPORTUNITY
Take advantage of historic market conditions. Contact an agent in this magazine for a strategic marketing consultation.
Ewelina Rafael 630-506-0622
Vol. 6, No 6 - Page 13
firstname.lastname@example.org 630-506-0622 Wheatland-Realty.com email@example.com
2021 President Wheatland-Realty.com “A home is not just a structure but a place “A home is not just a structure a place where children wherebut children grow-up, love is nurtured, grow-up, love is nurtured, and memories are shared.” and memories are shared.” ~Ewelina ~Ewelina 2021 President Of Naperville, IL
Homes are selling FAST! There is no better time thanBuyers are WAITING for homes! Interest rates are still Winter A NOW to sellIsyour home! historically LOW! NOW is a great time to Call to schedule your FREE market evaluation... list your home! Good Time To your home may be worth more than you think! Buy A Home?
Ho Buyer Interest r NOW is
! ! ! ! ! D D D D D ScanLthis code with your camera to see L L L L O O O O O S a short video S from Ewelina S on why S S winter is a GREAT time to buy a home! BARTLETT YORKVILLE
WEST CHICAGO Untitled-8 1
2/2/21 3:59 PM
JOLIET Untitled-3 1
Scan this code with your camera to connect with Dan or begin your mortgage application.
DAN SALAMEH Sales Manager
www.dansalameh.com NMLS# 224229
Page 14 - Vol. 6, No. 6
Designated Managing Broker
firstname.lastname@example.org Scan With Your Camera To See Photos Of This Home
A Secluded Piece Of The Couny
2 Story Barn & Implement Shed
County K chen W h Built-ins
Grain Bin & 2 Garages
Original Charm & Character
Garden & Sunflower Field
Back Deck & Great Views
5 Acre Horse or Hobby Farm - Bring The Animals!
8 out buildings, 2 sty barn, grain bin, chicken coop, milk house, implement shed, smoke house, detached 2 car garage & a single car garage. Completely fenced. Country farmhouse with updates. Formal dining room, large country kitchen, 1st ﬂoor sitting rm. New windows & storm doors. Oaks, pines, fruit trees, perennial gardens, grape arbor, vegetable garden, sunﬂower ﬁeld.
Leland | Somonauk Schools | 3-4 Beds | 2 Ba | NEW PRICE! $549,000
Vol. 6, No 6 - Page 15
PatriciaRomke.com 2020 President Of
If You Want To Sell Your Home QUICKLY, FOR THE BEST PRICE...
Vintage 1875 Italianate Farmhouse
Horse property with restored farmhouse on 3+ acres. Charming vintage home with modern conveniences. Front porch. arched doorways, hardwood staircase, 10’ ceilings, Anderson windows. Front parlor opens to huge dining room. Modern country kitchen with 42” cabinets, SS appls & vintage stove. French doors open to vaulted enclosed back porch with hardwood ceiling. 1st ﬂoor master with private bath. 3rd ﬂoor walk up attic. Large deck, paver patio. 6 stall horse barn, hay barn, fenced riding area, 3 sided shelter. 2 garages. New well pump. Great for landscape or construction business or bed & breakfast. Bring the animals!
Oswego | 5 Bedrooms | 2.1 Baths | $550,000
From Listing Your Home To The Closing Table, Our Team Of Real Estate Partners Allow You To Bundle & Save With Our Unique One-Stop-Shop Business Model For Your Home Sale
Thomas J. Rigby, Esq.
Owner and Principal Attorney The Real Estate Law Firm Exceptional Service Scan this code with your 630-336-8864 And Guaranteed Lowest Closing Costs camera to visit our website tom@therelawﬁrm.com
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The 2021 Real Estate Market Is HOT! The Time To List Your Home Is NOW!
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MORTGAGE CLOSING COST CREDIT
Credit valid through Old Second National Bank mortgage applications submitted after January 28, 2020 and prior to June 30, 2020. This advertisement must be presented at the time of application to receive credit. Subject to credit approval. Unclosed loans will not receive credit. This ad does not represent an approvel for ﬁnancing or interest rate guarantee. This ad cannot be redeemed for cash and has no cash value. Restrictions may apply. Contact Old Second National Bank for info.
G! Scan This Code With N I Your Camera To Shop For ND
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Jocelyn Retz VP, Residential Lending NMLS# 412688 630-385-6694 Direct email@example.com
View this latest issue for preferred real estate professional who can help you buy or sell your home. Also look for your next dream home.
Published on May 28, 2021
View this latest issue for preferred real estate professional who can help you buy or sell your home. Also look for your next dream home.