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Getting Prepared to Purchase Your First Home?

 Mchenry home for sale

A pristine perfect home for sale in Mchenry

I remember when I was preparing to purchase my first home.  It was a condominium in Ballard Point Condominiums in Des Plaines Illinois.  I was so excited that my husband and I were able to actually buy our first home.  At the time we were thrilled to get a mortgage at 18% as the rates continued to climb over 20%.  Take a look at the awesome buyers real estate market today at 5% mortgage rates and sometimes a litte below, homes below affordability. 

 If you are looking to purchase your first home, here are some things to think about as these are observations of mine.  Please note - I am not a mortgage lender or attorney.

1.  Plan on saving a down payment or recieve a gift of at least 3.5% of your purchase price.

2.  While saving your downpayment check your credit score (anyone can), then work on improving it or keep it at a great score. 

3.  Make all your payments on time even if it is the minimum payment due.

4.  Don't purchase a new car or overspend on your credit cards as this will decrease your credit score after you get your approval for a mortgage for your new home.  I have had some buyers in the past purchase a new car or large item and then find out they then did not qualify for their new home.

5.  Speak to a mortgage professional early in your process.  It is never too early as they will consult you in how much you qualify for now to purchase a home vs changes you can make to qualify for more and what not to do.  Or possibly you may not qualify and it may be fixable over a short period or long period of time.  Call a real estate agent you trust to refer you to a mortgage professional they know is very knowledgeable and a leader in their profession.

The First Time Home Buyers Tax Credit is available until April 30, 2010.  Give me a call or email to find out how you can take advantage of this once in a lifetime opportunity to purchase your first home.

      Free Home Evaluation                       

Posted By:  Julie Anne - The Julie Anne Real Estate Team at Keller Williams Success Realty

Northern Illinois Real Estate Agent - Barrington - Deer Park Real Estate Expert and surrounding areas

847-620-5815   julie@homesbyjulieanne.com

What is my homes value?              Homes for sale in Northern Illinois, Barrington Homes for Sale - Deer Park Homes for Sale

CDPE Certified for Short Sales and REO

 


Sat, 06 Mar 2010 11:07:49 -0600
Saint Charles Illinois -3N639 Laura Ingalls Wilder - Fox Mill
Julie Anne | Keller Williams Success | 847-620-5815
3N639 E. Laura Ingalls Wilder Rd, St. Charles, IL
Could be great in-law arrangement on lower level
4BR/4BA Single Family House
offered at $650,000
Year Built 2004
Sq Footage 3,430
Bedrooms 4
Bathrooms 4 full, 0 partial
Floors 2
Parking 3 Car garage
Lot Size 14,000 sqft
HOA/Maint $0 per month

DESCRIPTION

Spectacular former model home in Fox Mill setting on a beautiful lot overlooking a conservancy.Some beautiful upgrades include: Custom millwork, Brazilian cherry floors, an executive master suite w/fireplace, prof. decorated & landscaped home w/a gourmet kitchen, opt 5th bed/den, finished english bsmt w/custom wet bar & 3rd fireplace, open floorplan w/volume ceilings & grand entrance.Shortsale subj to bank approval. For more homes in the area go to http://www.homesbyjulieanne.com/MLS.asp

see additional photos below
PROPERTY FEATURES

- Central A/C - Central heat - Fireplace
- High/Vaulted ceiling - Walk-in closet - Hardwood floor
- Family room - Living room - Bonus/Rec room
- Office/Den - Dining room - Breakfast nook
- Dishwasher - Refrigerator - Stove/Oven
- Microwave - Basement - Laundry area - inside
- Yard

ADDITIONAL PHOTOS


Front View

Family Room

Dining Room

Kitchen/Eating Area

Rec Room

Deck View
Contact info:
Julie Anne
Keller Williams Success
847-620-5815
For sale by agent/broker

powered by postlets Equal Opportunity Housing
Posted: Feb 12, 2010, 5:39am PST
Posted By: Julie Anne - The Julie Anne Real Estate Team at Keller Williams Success Realty Northern Illinois Real Estate Agent - Barrington - Deer Park Real Estate Expert and surrounding areas 847-620-5815 julie@homesbyjulieanne.com What is my homes value? Homes for sale in Northern Illinois, Barrington Homes for Sale - Deer Park Homes for Sale CDPE Certified for Short Sales and REO
Thu, 18 Feb 2010 18:28:24 -0600
Northern Illinois Real Estate - Housing Market Statistics for Lake Zurich for January 2010

 

 A Subdivision in Lake Zurich Illinois  

The Squires Subdivision in Deer Park/Lake Zurich Illinois

The market statistics for home sales in Lake Zurich IL for the month of January 2010

The current inventory of homes for sale in Lake Zurich Illinois Zip Code 60047 is up vs last month and sales this month over last month down for single family homes and the same for attached single family homes.  Our average LP of sold homes is up for single family homes and the same for attached single family homes.  Average Sale Price of homes sold is up for single family homes and same for attached single family homes, our LP/SP ratio is the down for single family homes and the same for attached single family homes in Lake Zurich.  The average market time for homes sold in Lake Zurich IL 60047 zip code has gone down for single family homes in Lake Zurich and the same for attached single family homes in Lake Zurich in the last month over December 09 market times.

The homes that are selling in Lake Zurich area are lower in price this year over last for single family detached homes plus attached homes

 If you would like clarification of these figures or if you want to take advantage of this once in our lifetime market great for first time home buyers, investors or anyone moving up, look at our website www.homesbyjulieanne.com and search for homes available in the Barrington, Deer Park, Lake Zurich, Palatine  and surrounding areas.  We also list many foreclosure, REO and Short Sale listings.  Or contact us and we will help you find the best home for the money or sell your home in the Barrington, Deer Park, Lake Zurich, Palatine and surrounding areas at the highest price possible in this market

12/01/2009 - 12/31/2009   01/1/2010-01/31/2010  
           
           
Sold#     Sold#    
Detached homes

  10

  Detached homes

10

 
Attached homes

1

  Attached homes

1

 
           
Avg LP Sold     Avg LP Sold    
Detached homes

304110

  Detached homes

389867

 
Attached homes

278060

  Attached homes

0

 
           
Avg SP     Avg SP    
Detached homes

292890

  Detached homes

354083

 
Attached homes

268000

  Attached homes

0

 
           
SP/LP Ratio     SP/LP Ratio    
Detached homes

96%

  Detached homes

91%

 
Attached homes

96%

  Attached homes

96%

 
           
Avg MT Sold     Avg MT Sold    
Detached homes

414

  Detached homes

280

 
Attached homes

73

  Attached homes

73

 
           
Absorption Rate        
           
Lake Zurich Current Inventory of Homes On Market:
Detached homes

180

        
Attached homes

37

         
           
Homes Selling Per Month:      
Detached homes                    6          
Attached homes

0

       
           
Lake Zurich Currently Has:    
Detached homes

30 

Months of Inventory Active now  
Attached homes

37 

Months of inventory Active now  
           
           
*Information compiled from the MLS, not guaranteed    

 

     

                  Free Home Evaluation                       

Posted By:  Julie Anne - The Julie Anne Real Estate Team at Keller Williams Success Realty

Northern Illinois Real Estate Agent - Barrington - Deer Park Real Estate Expert and surrounding areas

847-620-5815   julie@homesbyjulieanne.com

What is my homes value?              Homes for sale in Northern Illinois, Barrington Homes for Sale - Deer Park Homes for Sale

 


Sun, 14 Feb 2010 10:21:29 -0600
My take on teh 1st chapter of NARs Profile of Home Buyers & Sellers for 2009 in the Midwest

Short Sale in Saint Charles 

New Short Sale Listing in Saint Charles

After reading NARs publication for what does todays buyer look like, this is:

My recap of the National Association of Realtors 2009 Chapter 1 of the

Profile of Home Buyers and Sellers for 2009 for the Midwest Demographic Characteristics of Home Buyers

The median Age decreased slightly.  25-34 was 34% and 35-44 the next largest group.

The median household income decreased nationally (more first time home buyers).

Affordability and the tax credit are what contributed most to the sales increase.

Household composition hardly changed.   3/5 married couples and less than 1 in 10 were unmarried couples.  Female single buyers bought 2 x as many homes as single males.

Race, Ethnicity, Language & National OriginIn the Midwest 85% Caucasian, 96% speak English at home & 95% were born in the USDemographic Characteristics of First-Time & Repeat Home Buyers

An increase number over 2008 were drawn by the first-time home buyer tax credit and the affordability of homes.

We saw about a 7% increase from 2008.

The number of single first time buyers was double that of the male first time home buyers.

50% + were couples, 25% were single females and 17% were repeat (rented etc for awhile).

More than ½ were 25-34 years old.

The typical buyer was 39 years old -same as 2008.

The median first time home buyer was 30 & repeat  buyers 48.

Incomes did not change much from 2008.

Race, Language and National First-Time and Repeat Buyers First-time home buyers identify themselves as African-American, Asian or Hispanic and are more likely to speak a language other than English at home(6% 1st time vs 2% repeat) and are more likely to have been born outside of the US (7% repeat vs 12% 1st time) than repeat buyers.Prior Living Arrangement½  of all buyers reported renting right before making their home purchases more than in 2008 which was  44%.  ¾ of first-time buyers rented right before.

Repeat buyers owned a residence right before 68% of the time.

Primary Reason for Home Purchase & Timing of Purchase Number one reason (35%) was The Desire to own their own home. 

First-time home buyers #1 Desire to own a home.

Repeat #1 Job-related relocation and wanted a larger home with the Desire to own a home as 3rd.

Has not changed much over 2008.

Followed by:

The affordability of homes (1st time home buyers 10% & repeat 6%) which is up from 5% and 2% in 2008.

The 1st time home buyers tax credit was the primary reason for 6% of first-time home buyers and 1% of repeat buyers.

7% of buyers under 25 cited the primary reason for their purchase as the first-time home buyer tax credit.

The older buyers get, the less important owning a home is according to the article.

For the majority of buyers 65 and older, their reason for moving was to be closer to family.

Married couples moved mostly related to their job and then to increase the size of their home.

Singles moved most because of their jobs and second because of family situations.

For Unmarried couples affordability was their second reason.

Primarily the buyers bought because they were ready, affordability & mortgage financing options, vs 2008 when they were more impressed with the inventory of homes.

Ownership of multiple homes

98% of buyers aged 18-24 own one home.

75% of buyers aged 65 or older own just one.

1/10 recent buyers 45-65 years old own one investment property or more.

The percentage of 65 or older selling their homes is higher than younger groups.

Some of this information is not news as I saw it last year in my business.  But highlighted information was a little of an aha for me and will help me in helping my clients more this year.

          Free Home Evaluation                       

Posted By:  Julie Anne - The Julie Anne Real Estate Team at Keller Williams Success Realty

Northern Illinois Real Estate Agent - Barrington - Deer Park Real Estate Expert and surrounding areas

847-620-5815   julie@homesbyjulieanne.com

What is my homes value?              Homes for sale in Northern Illinois, Barrington Homes for Sale - Deer Park Homes for Sale

CDPE Certified for Short Sales and REO

Information in this blog is not guaranteed, it is my interpretation of part of a report from NAR for


Sun, 14 Feb 2010 10:17:29 -0600
Northern Illinois Real Estate - Palatine Housing Market Statistics for December 2009

 

January will be posted soon!

 Short Sale Condo for sale in Palatine Illinois

Short Sale Condo for Sale in Palatine Illinois

The market statistics for home sales in Palatine IL for the month of December 2009

The current inventory of homes for sale in Palatine Illinois Zip Code 60067 is down vs last month and sales this month over last month down for single family homes and down for attached single family homes.  Our average LP of sold homes is down for single family homes and down for attached single family homes.  Average Sale Price of homes sold is down for single family homes and down for attached single family homes, and our LP/SP ratio is down for single family homes and up for attached homes.  The average market time for homes sold in Palatine IL 60067 zip code has gone up for single family homes in Palatine and down for attached single family homes in Palatine in the last month over November 09 market times.

The homes that are selling in Palatine  area are lower in price this year over last for single family detached homes and attached homes

If you would like clarification of these figures or if you want to take advantage of this once in our lifetime market great for first time home buyers, investors or anyone moving up, look at our website http://www.homesbyjulieanne.com/ and search for homes available in the Barrington, Deer Park, Lake Zurich, Palatine  and surrounding areas.  We also list many foreclosure, REO and Short Sale listings.  Or contact us and we will help you find the best home for the money or sell your home in the Barrington, Deer Park, Lake Zurich, Palatine and surrounding areas at the highest price possible in this market.

11/01/2009- 11/30/2009   12/1/2009-12/31/2009  
           
           
Sold#     Sold#    
Detached homes

   28

  Detached homes

22

 
Attached homes

51

  Attached homes

39

 
           
Avg LP Sold     Avg LP Sold    
Detached homes

381032

  Detached homes

372782

 
Attached homes

175975

  Attached homes

147246

 
           
Avg SP     Avg SP    
Detached homes

358866

  Detached homes

346000

 
Attached homes

166604

  Attached homes

140893

 
           
SP/LP Ratio     SP/LP Ratio    
Detached homes

94%

  Detached homes

93%

 
Attached homes

95%

  Attached homes

96%

 
           
Avg MT Sold     Avg MT Sold    
Detached homes

130

  Detached homes

175

 
Attached homes

161

  Attached homes

129

 
           
Absorption Rate        
           
Palatine Current Inventory of Homes On Market:
Detached homes

286

         
Attached homes

597

         
           
Homes Selling Per Month:      
Detached homes

22

         
Attached homes

39

         
           
Palatine Currently Has:    
Detached homes

13

Months of Inventory Active now  
Attached homes

15 

Months of inventory Active now  
           
           
*Information compiled from the MLS, not guaranteed    

 

     

                              Free Home Evaluation                       

Posted By:  Julie Anne - The Julie Anne Real Estate Team at Keller Williams Success Realty

Northern Illinois Real Estate Agent - Barrington - Deer Park Real Estate Expert and surrounding areas

847-620-5815   julie@homesbyjulieanne.com

What is my homes value?              Homes for sale in Northern Illinois, Barrington Homes for Sale - Deer Park Homes for Sale

CDPE Certified for Short Sales and REO


Sat, 06 Feb 2010 11:03:28 -0600
 
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Real Estate Tips
Financing Your Home >The Loan Application

When you have decided on a mortgage lender, you begin the loan process by filling out a loan application. You should be fully prepared to go over your current financial situation and credit history with the loan officer.

Have a record of all of your current bank accounts, including the name and address of bank(s), type of account(s), and approximate balance(s). Be prepared to provide details about outstanding loans, including student loans and major credit accounts. You will also need information about your assets, such as car title, stocks and bonds, and life insurance policies. If you foresee any credit problems, ask the loan officer for advice on how to keep them from interfering with approval of your mortgage loan. The loan officer can usually give you a prompt opinion about your chances for obtaining a mortgage.

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Real Estate Trivia
Q 
What was the location for the classic silent movie scene where Harold LLoyd dangles from a huge clock high above the city?

A 
That scene from "Safety Last"was filmed at the Brockman Building, one block south of the Biltmore Hotel in Los Angeles.
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The Julie Anne Real Estate Team, REALTOR®, real estate agent and broker for Northern Illinois, Barrington, Palatine and Deer Park, Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

The Julie Anne Real Estate Team
Keller Williams Success Realty

600 Hart Rd, Suite 105
Barrington, IL 60010
847-620-5815
Fax: 847-382-0888
Julie@HomesbyJulieAnne.com

Julie Anne performs with an amiable business demeanor which allows her clients to relax and coast along to their Real Estate goals - be it buying or selling. She is talented, experienced and well decorated with licenses and certifications in Real Estate including CDPE, Certified in Foreclosures & Shortsales, GRI, ABR and is one of the Top Realtor in the State of Illinois

ABR Equal Housing GRI REALTOR


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