Kipling Estates, Shorewood - Announcing a price reduction on 1639 Augusta Lane, a 1,320 sq. ft., 2 bath, 2 bdrm single story "Easy Access". Now 
MLS® $225,000 - $23k under build price!!!.
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Kipling Estates, Shorewood - I cordially invite everyone to visit my open house at 1639 Augusta Lane on May 31 from 1:00 PM to 4:00 PM. Dale Degenova of Century 21 Pro-Team will be there to greet you! Stop by and visit Gina Schaal at 1719 Augusta Lane, for her Open House also!
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Kipling Estates, Shorewood - I invite everyone to visit my open house at 1719 Augusta Lane on May 31 from 1:00 PM to 4:00 PM.
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1700 Sq. FT. Ranch Maint. FREE Living
• 1,700 sq. ft., 2 bath, 2 bdrm single story - MLS® $228,300
Kipling Estates, Shorewood - Built in 2005 and Lovingly Cared for, this home can't be rebuilt at this price. The 2 Bedroom, 2 Full Bath Ranch is located in Devonshire @ Kipling Estates in Shorewood, IL. It's Amenities include a Swimming Pool, Recreational Clubhouse, Tennis Courts. Walking and Biking Trails. Tot Lot, Playgrounds, AND a Golf practice range. Maintenance Free Exteriors make this the perfect place to play and live. Low HOA fees of $110 a month.
Unique Floor Plan with 9 Foot Ceilings and Boasts Both Living and Dining Rooms, PLUS Family Room with Eating Area, All with Oak Hardwood Floors. Gas Fireplace located in the Living Room with Arched Entertainment Nook for all of your Audio/Video equipment. 42" Oak Upper Kitchen Cabinets with some Glass Fronts and Oak Hardwood Floors. Appliances Stay with this Lovely Home, including Oven/Range with Hood and Stainless Dishwasher, Refrigerator. Front Loading Washer and Dryer in Main Floor Laundry/Mud Room.
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Kipling Estates, Shorewood - We invite everyone to visit our open house at 1639 Augusta Lane on April 19 from 1:00 PM to 4:00 PM.
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Beautiful Ranch, NO EXT Maintenance
• 1,320 sq. ft., 2 bath, 2 bdrm single story "Easy Access" - $229,200 - Can't Rebuild For This!
Kipling Estates, Shorewood - Built in 2005 and Lovingly Cared for, this home can't be rebuilt at this price. The 2 Bedroom, 2 Full Bath Ranch is located in Devonshire @ Kipling Estates in Shorewood, IL. It's Amenities include a Swimming Pool, Recreational Clubhouse, Tennis Courts. Walking and Biking Trails. Tot Lot, Playgrounds, AND a Golf practice range. Maintenance Free Exteriors make this the perfect place to play and live. Low HOA fees of $120 a month.
This ranch-style home's bright open spaces and efficient floor plan will win you over at first glance. A Bright Kitchen overlooks your Great Room with designated Living and Dining Areas. The home includes a 2 car garage and impressive closet and storage space. This home comes with the additional Sunroom with adjacent Concrete patio. Full basement ready for a full bath stubbed-in and ceiling fan.
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Hello Everyone!
I just wanted to share with the you the latest information about the first-time homebuyer tax credit, the recent changes, and what it means to you.
First, there really has never been a better time to buy a home. You can qualify as a first-time buyer if you haven’t had a home in your name for the last 3 years. If that applies to you or anyone you know make sure that they know that the Federal Government is actually going to pay you to buy a home. That’s right, you will be able to get a tax credit when you file your income taxes for 2009 that will give you a possible $8000 extra in a refund. FHA insured loans are available in Will County for purchases of single family homes and go as high as $410,000 with 3.5% down. Obviously you have to have adequate income to qualify for that loan amount and have a credit score of 620 or higher. There are no loans for those who haven’t been employed for last 2 years also. It’s back to the basic qualifying criteria, and that we had before the sub-prime mortgage crashed. I think most of us are OK with that, aren’t we?
If you’ve been keeping up with what is happening in the market, you know that our inventory of homes is quite large. As of today in Will County we have an inventory of 12 months currently on the market. The bright side is that in December of 2008 that number was over 19 months. January sales are up over last year but prices are down 14% from Jan 08.
That may make some of you cringe when thinking about your home and the equity that has disappeared, but if you considering moving up to another home, it is actually a Great time to buy also. Remember, the 14% decrease in home values means more dollars in value to the move up buyer as well. 14% of $400,000 is a $56,000 decrease in value resulting in that home now selling for $344,000. But if you are a in a $200,000 home and have to take 14% less to get it sold then your selling price will be $28,000 less, or $172,000. I know that it’s a lot of money to those who don’t have much equity in their home but move up buyers who have been in their homes for more than 10 years should be in a position to lose on the sell side and make up the difference( and then some) on the buy side.
So if you are secure in your job, have equity in your home and are wondering if you could get that home that had been out of reach a couple of years ago, Maybe you should take a look at the bargains that are available. If you know someone who has talked about buying their first home and is still sitting on fence expecting the market to continue to go down more, I would advise them to stop waiting. Spring is coming and we will see buyers start to move with the Federal money that is being offered.
I am enclosing a file that explain the $8000 tax credit in more detail. Please take a look and Call me if you have any questions.
Click on the File to enlarge!
Bloomfield West, Bolingbrook - Announcing a price reduction on 1507 Parkside Drive, a 3,200 sq. ft., 2 bath, 4 bdrm 2 story "2 Story Family Room". Now MLS® $345,000 - Reduced Again $20k!.
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Chestnut Ridge, Minooka - We invite everyone to visit our open house at 1415 Creekside Circle on December 7 from 1:00 PM to 4:00 PM.
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Bloomfield West, Bolingbrook - Announcing a price reduction on 1507 Parkside Drive, a 3,200 sq. ft., 2 bath, 4 bdrm 2 story "2 Story Family Room". Now MLS® $364,900 - Reduced Again!.
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I know that you keep hearing about the BAD ECONOMY and you are experiencing some adjustments to your budget. You are not alone, my friends. I personally have been living on a budget established for 3 people that now includes 5. It does pinch us, that I will not deny. BUT, What I have been focusing on is the faith,(Yes I have Faith) that all things will come back around and it is moving in that direction more everyday.
I can't stress enough to you that a positive attitude will always win over a negative one. There has to be a gift in the adversity, so rather than griping about it take a good deep breath and know that "it is what it is" and it is just temporary. Everything we do and say has an effect on what we do and say in the next minute. No further than that. So would you rather be happy now or miserable. You get to chose. I chose to be happy! So be it!
Now back to my question? Why aren't you buying right now? Here's the gift.................
IT IS A BUYER"S MARKET! You know that means that you can get a Great Deal on a house or property that you couldn't afford a couple of years ago. That also means that you are likely to get a little less for your home but there is definately up side to this also.
Here it is an example: You have been improving in your starter home, paying your bills, working towards something bigger for your younger family, and have excellent credit and a stable job. You really like the house on the other side of town that has 4 bedrooms and 2 1/2 baths and a 3 car garage that was priced at $400,000 a couple of years ago but you just couldn't afford it. You were content on improving your 3 bedroom 1&1/2 bath home and it fit your needs ok. That same $400,000 home is now sitting on the market for more than 280 days so the price is down to $328,000. A 18% reduction in price, sounds like a deal to me! A savings of $72,000
But your house was worth $225,000 two years ago (in an inflated market) and you say "I can't afford to take less money for my home." You have been taking care of your home and made home improvements when other nieghbors were buying a new car instead. A Comparative Market Analysis shows that your home is worth $202,500 at a 10% reduction in value, or $22,500 from 2 years ago, when you saved to put that new roof on and new windows. That sounds like a lot of money to lose, right? Well, let's see. You bought your home 8 years ago and have a mortgage of $125,000, so your equity or money for a down payment is going to be approx. $59,000 after you sell you home for $200,000, because it is priced right and you home is a Great home for a first-time homebuyer. You go and buy the home across town for $315,000 because the sellers are MOTIVATED to sell. (They bought that great big SUV with their savings or equity they had in their home.)
You will have a new mortgage for $256,000 on a house that is currently worth $315,000 and should increase in value over the life of the loan, on average of 6-7% per year over the next 30 years. Let's take a look five years from now, when the real estate market will be back to normal, not overinflated, or undervalued.
Your old house is now increased in value on average of 3-6% per year. 2009: $200k x 1%= $202,000
2010: $200k x 4%= $210,000
2011: $210k x 3%= $216,000
2012: $216k x 5%= $227,000
2013: $226k x 6%= $240,000
An increase in value
Now here's what your NEW home is worth using the same increase in value.
2009: $315k x 1%= $318,000
2010: $318k x 4%= $331,000
2011: $331k x 3%= $341,000
2012: $341k x 5%= $358,000
2013: $358k x 6%= $379,000
You now have a house that is worth $379,000 or more depending upon the improvements that you have made and you have more equity from paying it off over the last 5 years. If you stayed where you were, the home would be worth $240,000 and you would have paid it off more also, but you wouldn't have nearly the amount of equity that you now have and a much larger, nicer home that will fit your growing families needs.
So I'm confused.........Why aren't you buying????????????????
Call me or email me with questions or comments. I can do a Thorough Home Market Analysis to determine the value of your home. Let me show you how moving up now is a GOOD idea.
I attended my first referral network group this morning called "Crest Hill Connections". This is a real opportunity to get and give referrals to Qualified Service professionals in the area. I am excited to meet more business people in the area that are looking to promote thier business as I am. We are also looking to expand our group of local business people to include others who we can refer to our clients, family and neighbors.
So, if you are in the service industry here are some examples of who we would like to fill in the voids.
Builders, Chiropractors, Contractors, Pet Groomers, Pet Sitters, Home Inspectors, Cleaning Services, Legal Services, Pretty much anyone who is an Independant Salesperson, Small Business Owners, etc.
Call me for more information @ 815-723-4411 or Michelle Palya of First Midwest Bank, Crest Hill Branch @815-774-2323
HUGE PRICE REDUCTION!!! SOLD FOR $250,000 in January 2008!
NOW ONLY $205,000
NO MORE REASON TO WAIT. COME AND GET YOUR INSTANT EQUITY!!!!
Chestnut Ridge, Minooka - Announcing a price reduction on 1415 Creekside Circle, a 2,600 sq. ft., 2 bath, 4 bdrm 2 story. Now MLS® $205,000
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Bloomfield West, Bolingbrook - Announcing a price reduction on 1507 Parkside Drive, a 3,200 sq. ft., 2 bath, 4 bdrm 2 story "2 Story Family Room". Now MLS® $369,900 - Reduced! Take a Look!.
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Bloomfield West, Bolingbrook - We invite everyone to visit our open house at 1507 Parkside Drive on October 26 from 1:00 PM to 4:00 PM.
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