The Real Estate Book of Champaign-Urbana-Savoy, IL Volume 30 Issue 6 by Todd Thorstenson

CREATIVE LIVING TIPS INSIDE

Volume 30, Issue 6

Including: Arcola, Bement, Fisher, Mahomet, Monticello, Paxton, Philo, Rantoul, St. Joseph, Tolono, Tuscola, Villa Grove and Nearby Communities

CHAMPAIGN-URBANA-SAVOY, IL

Get more photos and details from your phone. Text RBGPTKR to 52187. TO ADVERTISE, CONTACT: Todd Thorstenson at 217-778-9052 or Todd@volomail.net

RealEstateBook.com

Request FREE MAGAZINES online, or call 800-841-3401

Listing Agent: Diane Dawson RE/MAX Realty Associates 217-373-4812 dianedawson@remax.net Gorgeous! 8000sqft 6BR/9BA LAKEFRONT Home on 1 ACRE lot in Oak Creek Subd. Mahomet See page 8 for details.

Realty Associates Realty Associates GET ZAPPAR ZAP THE CODE

Each OfficeOffice Independently Owned and Operated. Each Independently Owned and Operated

Put the “Home” to work for

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2002 Max Run Drive, Champaign ~ $395,000 Beautifully kept 1 story, built in 2019, in "Like New" condition! Welcoming foyer opens to formal LVR w/Cathedral ceiling & stone FPL w/gas logs. KIT has eating bar, granite c-tops, tiled backsplash, & upscale SS apps. Master bedroom adjoins a well-planned full bath plus walk-in closet. Nicely finished bsmnt w/kitchenette area (wet bar/microwave oven/wine cooler) plus room for TV, pool table, etc. 4th bdr w/egress window, plus 3rd full bath. 2 storage areas. Covered front porch. Back yard patio area. 3-car garage & more! MLS:10911715 Text RBFZHFR to 52187

Please Say You Saw It In The Real Estate Book - Vol. 30, No. 6 - Page 3

Madeline Hoeft BROKER, ABR, CRS, GRI, SRES

madelinehoeft@remax.net

team Call 217-352-5700 you Text Madeline to 52187 for all your real estate needs!

CLOSE MAX MITCHELL VIRTUALLY REALTOR, GRI,WITH CRS

SELLr ouHOME yGET A PRICE

C: 217.369.0376 NO PHYSICAL

SHOWINGS

T: R

TEX

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ON YOUR HOME

SELL FAST FOR TOP DOLLAR! You're sure to fall in love with updated ranch starting with the welcoming double door entry! Gorgeous

Welcome to this delightful "sun splashed" RANCH in Devonshire Sub, well planned floor plan, PERFECT FOR THOSE LOOKING FOR ONE FLOOR LIVING! Inviting family room, kitchen and SKYLIT SOLARIUM overlooking the rear yard featuring an in-ground pool. In-law suite w/private entry, and cozy spaces. Roof recently installed, there's 2700 sq. ft of living space here. 2-car garage. Mid-century ranch is the perfect combination of function, space and personality! Text RBGQDRB to 52187

NO SHOWINGS REQUIRED!

4-bedroom 3.5 bath home offers a full finished basement featuring a huge recreation room, entertainment bar, 4th BDR and BA. Formal living and family rooms are overlooking the rear yard. Stunning hardwood floors, Spectacular eat-in kitchen features granite counters and stainless-steel appliances. BIG stuff recently completed..... Roof (21), Furnace (19). Perfect location to enjoy the Lincolnshire Fields neighborhood! Text RBGQDQV to 52187

IN G

Welcome to this 4 bedroom, 4 bath condo with a prime location within Capstone Quarters! 24 hr fitness center, lounge, computer lab, and resort style in-ground pool. Only 1.2 miles from the heart of the U of I main campus. 1,547 sq.ft. with well designed kitchen w/all appliances included, W&D, featuring vaulted ceilings. Perfect for owner occupied buyers as well as investors. If you're looking for a turnkey operation or a nice place to live, this is it! Text RBGGNFT to 52187

XT TE

72SOLDBYMAX.COM LIST VIRTUALLY

SELL VIRTUALLY

Awesome 2 story with Walk Out basement located on a quiet cul-de-sac overlooking a neighborhood pond,

Open floor-plan with a real feeling of space. 4125 sq ft, 2 story living room, formal dining area, kitchen faces the rear CLOSE yard and pond, HARDWOOD FLOORING 1st floor, stairway and 2nd floor hallway, enjoy the natural light with the large windows, upstairs 4 BDR, and 3-car garage. downstairs there is additional flex space perfect for a recreation room w/ kitchenette, fifth bedroom (perfect for an in-law suite!) offers wonderful views. A plan to love! Text RBGLMKF to 52187 VIRTUALLY

GET A PRICE ON YOUR HOME MAX72SOLDBYMAX.COM MITCHELL s

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Service/Garage-Turnkey Building On 2 acres zoned light industrial with 70x120x16 / 8,400 sq. ft. Steel structure, concrete parking lot with additional 80x170 privacy fenced storage area. Located close to US 36 and I-57. Huge Shop Area. Brick exterior, Ceramic tile floors, LED lighting, Forced air furnace with CAC, Gas water heater, Pella casement windows, Spacious restroom. An extremely versatile multi-use property! Text RBGGMZY to 52187

GET YOUR OFFERS IN BEFORE THEY’RE GONE! RE/MAX REALTY ASSOCIATES 217-373-4804

MAX MITCHELL RE/MAX REALTY ASSOCIATES

RE/MAX REALTY ASSOCIATES

RE/MAX REALTY ASSOCIATES MAX MITCHELL, CRS, GRI 475081183 217-373-4804

RE/MAX REALTY ASSOCIATES 2009 Fox Dr Ste G, Champaign, IL 61820-7364 2173734804

(800) 537-0217 | (217) 369-0376 (217) 373-4804 | (217) 369-0376

If your home is currently listed, please disregard this notice as it is not my intention to solicit other brokers’ listings. This information deemed reliable but not guaranteed. Each office independently owned and operated. 18_238485

Please Say You Saw It In The Real Estate Book - Vol. 30, No. 6 - Page 5

(217) 621-8003 www.JudyFejes.com

T eam

judy@judyfejes.com GET ZAPPAR

Broker, GRI, ABR

Each Office Independently Owned & Operated

ZAP THE CODE

Call Judy Fejes at

605 COMPTON, CHAMPAIGN $185,000 3 BDR/2 full BA 2 car garage vaulted ceilings, FP, deck w/gazebo fenced yard. Text RBGMQTM to 52187

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3907 PEBBLEBROOK, CHAMPAIGN $239,900 4 BDR, 2.5 BA w/unfinished BSMT. Text RBGHWKT to 52187

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SOLD

:R BG

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for all of your Champaign County Lot & Land needs!

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SOLD

(217) 621-8003

4910 WESTBOROUGH, CHAMPAIGN COMING SOON! 5 Bedrooms, 3.5 Baths, 3 car garage with daylight finished basement. Text RBGQCPJ to 52187

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Text JUDY for a showing today at 217-621-8003! N

3905 PEBBLEBROOK, CHAMPAIGN $250,000 4 BDR ranch, 3 full BA w/finished basement Text RBGMWPY to 52187

5002 ST. MALO, CHAMPAIGN $359,900 Custom Ranch, corner lot with partially finished basement 4 BDR/2 BA, 3 car gar. Text RBGKPBD to 52187

MEET OUR MORTGAGE LENDING TEAM Longview Bank has been deeply rooted in your community for several years. Longview Bank offers a multitude of products and services to meet all your financial needs.

NEWMAN

ST. JOSEPH

VILLA GROVE

James F. Causey

George Nichols

Brad Krall

Dan Wright

NMLS #595910

NMLS # 712287

NMLS #663099

NMLS #1686670

217-837-2404

217-469-8866

217-832-8179 #1 Home Mortgage Services

“We Belong Together!” Longview Bank Newman 2481 E. US Highway 36 • Newman Phone: 217-837-2404

Longview Bank St. Joseph 220 E. Grand • St. Joseph Phone: 217-469-8866

Longview Bank Villa Grove 6 E. Harrison • Villa Grove Phone: 217-832-8179

www.longviewbank.com

Jayme Ahlden Fay

REALTOR®, GRI RE/MAX Realty Associates 217-373-4967 jaymeahldenfay@remax.net jaymeahldenfay.com

! ED

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B :R

BACK ON THE MARKET WITH A 5K PRICE REDUCTION! Cute bungalow in central Champaign! This house sits on a basement, and has a 30' x 24' machine shed along with a 1 car detached garage! Some recent updates include: new furnace in Dec. 2020, new fascia and replaced gutters / downspouts in 2017, new engineered hardwood flooring installed in living room in 2016, driveway asphalt installed in 2016, and radon mitigation system installed in 2016. $130,000 Jayme (217)974-5400 or Text RBGLLFC to 52187

BE A MIRACLE MAKER. If you’re buying or selling a property, join me in supporting our local Children’s Miracle Network Hospital. For every transaction, I make a donation that helps support medical research initiatives and provide life-saving care to local kids. ©2019 RE/MAX, LLC. All Rights Reserved. Pub 4.19 Each Office Independently Owned and Operated.

JAYME AHLDEN FAY REALTOR®, GRI RE/MAX Realty Associates 217-373-4967 jaymeahldenfay@remax.net jaymeahldenfay.com

Please Say You Saw It In The Real Estate Book - Vol. 30, No. 6 - Page 7

Max McComb REALTOR®, GRI, CDPE RE/MAX Realty Associates

217-373-4878 maxmccomb@remax.net Each Office Independently Owned & Operated

B :R

maxmccomb.com

EXCELLENT OPPORTUNITY FOR HOME OWNERSHIP!! Tucked away in quiet Willow Springs, this nice 2 BDR/1.5 BA condo comes with a garage and provides easy, convenient living!! Nice floor plan that offers generous room sizes. Living room features a brick wood-burning fireplace. The kitchen provides plenty of cabinetry and storage space, along with generous dining space and a sliding glass door overlooking the deck and back yard commons area. All kitchen appliances are included along with the washer and dryer. Heating/Cooling and hot water heater updated '15. Willow Springs offers easy access to bus lines and to I-74, plenty of parking for guests, and features a pool, tennis courts, and clubhouse. Taxes are affordable. The complex is pet friendly and located near Urbana's dog park! $69,900 Max (217)493-5450 or Text RBGDFZH to 52187

Get Your House Sold! CALL MAX

at 217-373-4878 to see Your Home here!

Page 8 - Get More Details At www.realestatebook.com - Vol. 30, No. 6

On The COver

EXCEPTIONAL LAKEFRONT HOME, in Mahomet on a beautiful full acre lot! ~300K invested to renovate & update w/ stunning selections, current colors & décor. 9 baths, 6 bedrooms, 5 car gar. 4 fireplaces & 2 staircases & a huge screened in porch. Walls of windows across the entire back for great lake views! Fabulous, flowing layout w/wide open living spaces, soaring ceilings & acres of hardwood. Living room with cathedral ceilings, anchored by floor to ceiling brick fireplace flanked by built ins. Enormous family rm w/vaulted & beamed ceiling. Spectacular chef’s kitchen. Private first flr. master is the perfect retreat w/breathtaking lake views , direct access the back & a luxurious, spa like bath w/ a tiled shower & soaker tub. Full, finished bsmt has lg. media room w/ledgestone fireplace, full bath, wet bar w/cabinetry & home gym. Tremendous Property!

$1,170,000 Text RBGPTKR to 52187 FOR ADDITIONAL INFORMATION ON THIS HOME OR OTHER LISTINGS, CONTACT:

Realty Associates

Diane Dawson

(217) 373-4812 dianedawson@remax.net

STAND OUT & GET RESULTS with Multimedia Marketing Packages for Real Estate Professionals

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Phone: 217-778-9052 Email: Todd@volomail.net

13 issues per year distributed to over 700 points NEXT ISSUE SUBMISSION DEADLINE IS:

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“All real estate advertised herein is subject to the Federal Fair Housing Act which makes it illegal to advertise any perference, limitations, or discrimination based on race, color, religion, sex, handicap, familial status, or national origin, or intention to make any such preferences, limitation, or discrimination. We will not knowingly accept any advertising for real estate which is in violation of the law. All persons are hearby informed that all dwellings advertised are available on an equal opportunity basis.”

Kristine Miller

Julie Huisinga

RJ Cook

217-841-3692

217-202-1122

217-202-5391

BROKER

OFFICE

107 S. State Street, Monticello

Welcome home. Owning a home is a big deal, but getting your loan shouldn’t be. We offer competitive rates and an easy-to-complete loan process that gets you the money you need. Give me a call or quick email to get started.

Mike Sturdyvin Senior Mortgage Loan Originator msturdyvin@first-online.com 217.351.6620 NMLS # 657960

800.511.0045 first-online.bank

First Financial Bank

Member FDIC Equal Housing Lender NMLS# 401915

THERE’S NEVER BEEN A BETTER TIME TO SELL! ATTENTION HOMESELLERS: Are you considering selling your home? Low Supply

High Demand

Low Interest Rates

= INCREDIBLE OPPORTUNITY

Take advantage of historic market conditions. Contact an agent in this magazine for a strategic marketing consultation.

When you apply for a loan with us you are making all the

right moves!

Prospect Bank offers:

- Great Rates - Home Equity Lines of Credit - Construction Loans - Home Purchases, Refinancing & Bridge Loans Contact Ellen Reinhart for all your loan needs (217)352.0077

NMLS 671824

Serving Campus and Community Serving Campus and Community

Ask about our Rate Guarantee Program Matthew Waldrop AVP of Mortgage Matthew Waldrop Matthew Waldrop NMLS# 1066383 VP AVP of Mortgage of Mortgage NMLS# 1066383 NMLS# 1066383 217-278-7761 matthew.waldrop@ 217-722-0482 217-278-7761 uoficreditunion.org matthew.waldrop@ matthew.waldrop@ uoficreditunion.org uoficreditunion.org

Jenna Howe Mortgage Loan Officer Phil Dykstra Jenna Howe NMLS# 914296 Officer Mortgage Loan Officer NMLS# 914296 1466105 NMLS# 217-278-6870 jenna.howe@ 217-202-9236 217-278-6870 uoficreditunion.org phil.dykstra@ jenna.howe@ uoficreditunion.org uoficreditunion.org

Phil Dykstra Mortgage Loan Officer Garvin Gerdes Phil Dykstra NMLS# 1466105 Mortgage Officer Mortgage LoanLoan Officer NMLS# 2107094 NMLS# 1466105 217-239-3483 phil.dykstra@ 217-480-6794 217-239-3483 uoficreditunion.org garvin.gerdes@ phil.dykstra@ uoficreditunion.org uoficreditunion.org

Whether you’re buying for the first time, moving up, or downsizing, we can help! Whether you’re buying for the first time, moving up, or downsizing, we can help!

uoficreditunion.org/loans/mortgages/ www.uoficreditunion.org uoficreditunion.org/loans/mortgages/

REMODELING ON THE RISE IN 2021

The strength of the current housing market—combined with continued working and schooling from home for many—is sparking an increase in home improvements and repairs. Whether you’re planning to sell your home or adapting it to better suit your family’s needs and tastes, the time is ripe for remodeling.

According to a recent report, the “Leading Indicator of Remodeling Activity” (LIRA), released by the Remodeling Futures Program at the Joint Center for Housing Studies of Har vard University, annual gains in spending for improvements and repairs to owneroccupied homes are expected to increase slightly this year, from 3.5 percent at the close of 2020 to 3.8 percent by year-end 2021. The LIRA provides a short-term outlook of national home improvement and repair spending to owneroccupied homes. As Chris Herbert, managing director of the Joint Center for Housing Studies says, “The remodeling market continues to benefit from a strong housing market. In addition to routine replacement and repair projects, homeowners are likely to pursue more and larger discretionar y home improvements this year as the broader economy recovers.” The most popular improvements on the docket this year for homeowners include projects that make life more efficient and enjoyable, such as: UPDATING THE KITCHEN. While a full kitchen remodel may not be within your budget, you can still modernize your kitchen by replacing the floors or backsplash. Painting kitchen cabinets is an inexpensive way to give your kitchen a design refresh, or invest in a new appliance or two to instantly improve functionality and add value. ADDING A DECK OR PATIO. More attention is being given to outdoor living space than ever before. Extend your family’s living area by installing decking or creating a spacious patio. Outfit your new outdoor space with comfortable patio furniture, a fire pit, water feature, kitchen set-up and more. CREATING AN EXERCISE SPACE. Many have taken their exercise routines out of the gym and into the home, so car ving out a functional, designated space to work out is a popular home-improvement trend this year. Whether it’s a corner of the basement or unused space in your garage, designing an area specifically for fitness is an on-point trend. Reprinted with permission from RISMedia. ©2021. All rights reserved.

rs 4 OR VISIT AY OR 0 HQ TO

OMEHQ ORE.

Denise Zindars NMLS# 580824 CALL ME TODAY OR VISIT CALL ME TODAY OR 217-363-4160 PNC.COM/HOMEHQ TO VISIT LEARN MORE. PNC.COM/HOMEHQ TO LEARN MORE.

Denise Zindars Denise Zindars Elana Hassell NMLS# 580824 NMLS# 580824 217-363-4190 217-363-4160 NMLS# 1622953 217-363-4160 Elana Hassell 217-363-4190 NMLS# Jean 1622953 Crowley 217-363-4190 Elana Hassell NMLS# 1690887 217-363-4170 NMLS# 1622953 Kristina Huisinga 217-363-4190 NMLS# 867099 Elana Hassell 217-363-4103

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ell 2953 90

NMLS# 1622953 217-363-4190

Start Your Home Search with an INB Home Loan.

Looking to buy a home? Start with an INB Lender.

Apply online at inb.com or call Rhonda Lash 217-530-4351 or Denise Lindsay 217-460-1588.

NMLS #1772943

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Please Say You Saw It In The Real Estate Book - Vol. 30, No. 6 - Page 15

Vikki Hemrich

Cheryl Mumm

217-621-9812

217-377-6495

Managing Broker/Owner

vikki.hemrich@gmail.com Vikki has over 12 years of experience!

Whirlpool | Frididaire LG | Samsung Shaw | Mohawk Mannington & more!

Broker

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Show this coupon to sales person upon entry for faster service! (Not valid with other discounted prices)

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cherylgmumm@gmail.com Cheryl has over 17 years of experience!

Choice

Melinda Helfer

Todd Salen 217-369-9415

2919 Crossing Ct • Champaign

Designated Managing Broker

217-841-5373

Erika Chavez 271-778-0145

PAXTON $59,900 Attractive move in condition 2 bedroom home with basement and 3 car garage. Fenced rear yard with patio and multiple storage buildings. Call today for a private showing. This one won't be on the market long. Contact Rex Roy at 217-781-5337. Text RBGNWNS to 52187

Georgine Hembrough 217-377-4130

URBANA $525,000 Remarkable setting very close to the University of Illinois, shopping, etc. Flexible Jill zoning. Contact Georgine Hess Hembrough at 217-417-8177 217-377-4130. Text RBFWLXW to 52187 E IC PR D CE DU RE

PAXTON $84,000 Great investment property in the heart of downtown Paxton. Adaptable for a variety of retail and service businesses. 2nd floor has three apartments in good condition. Must see to appreciate this vintage building. Contact Rex Roy at 217-781-5337. Text RBCPYYL to 52187

Susan Frobish 217-202-4688

Kara Verchota 217-637-2316

G IN M CO ON SO

URBANA $225,000 All hardwood floors have been redone. Updates to the kitchen and bathrooms. Contact Tim Turner at 217-898-4353. Text RBGKJSK to 52187

N IO CT DU RE

US MP CA

Spencer Adams 217-819-7311

THOMASBORO $119,900 Stick built, 1100sf each side. Updated HVAC, Anderson windows & roof. Contact Bobbi Gordon at 217-493-5959. Text RBGPVNL to 52187

ON SO

Laura Hatch 217-722-7026

CHAMPAIGN $318,000 Unique and remarkable condo. 3 bedrooms, each with a private bath. Floor plan and preinspection available. Contact Todd Salen at 217-369-9415. Text RBGPQZB to 52187 E OS CL

G IN M CO

Rex Roy 217-781-5337

CHAMPAIGN $150,000 Close to campus and Hessel Park area. Cute 3 bedroom 1 bath with a large yard. Original hardwood floors. Contact Erika Chavez at 217-778-0145. Text RBGQCSP to 52187

ON SO

Carol Meinhart 217-840-3328

E IC PR

VILLA GROVE $125,000 Bring your kayak! 8,05 acres with approx 1/4 mile of RIVERFRONT. 3BR/1BA/2Car tandem with full basement and fenced yard. Contact Bobbi Gordon at 217-493-5959. Text RBGCQJD to 52187

G IN M CO

Brandon Moore 217-841-7048

CHAMPAIGN $275,000 Just a little bit of country but minutes from downtown Champaign, Beautiful ranch with amazing sunsets to watch, 4 bedrooms with 2 full baths, sun porch, hot tub room, stamped concrete, large 4 plus car garage, Mahomet Schools, updated kitchen with granite countertops, backslash, new stainless appliances, Contact Carol Meinhart at 217-840-3328. Text RBGMPRW to 52187

Dan Gordon 217-493-5956

Outstanding Agents Outstanding Results® T ON FR ER RIV

Bobbi Gordon 217-493-5959

359-3131

S RE AC 8+

Tim Turner 217-898-4353

(217)

Neal Wood 217-232-9665 THOMASBORO $92,000 3BR/2BA/2CAR, 1152sf. Updated and move in ready. Contact Dan Gordon at 217-493-5956. Text RBGPVNQ to 52187

Lydie Maole 217-904-4070

Please Say You Saw It In The Real Estate Book - Vol. 30, No. 6 - Page 17

Call today 217-355-1000 8 Main Street Champaign, IL We Build Our Reputation on

GET ZAPPAR ZAP THE CODE

debbyauble@gmail.com • Visit online at champaign-urbanaauble.REALTOR 1105 S. New St., Champaign $274,900

Try This Home on For Sighs! Check out this special home sited on 1.5 lots. Many custom features. The living room is surrounded by nature - courtyard on one side and gardens on the other.Custom built-ins throughout. 2 entrances, basement family room, 4th bedroom, and 3rd full bath. Multiple decks. Screened porch. 2 car attached garage. This is a once in a lifetime offering Text RBGMSXG to 52187

2317 Eagle Ridge, Champaign $224,900

SOLD Simplify your life with this move-in ready condo.! Updated, one-story with over 2000 sq. ft.. Vaulted ceilings, fireplace. 2 car attached garage. Text RBGMKYH to 52187

506 S. Draper, Champaign $184,900

Welcome Home!Solid, brick ranch with full basement. Wonderful wood floors, natural woodwork, lots of built-ins. Family room in basement. Fenced yard. 1 car garage. Text RBGMSWN to 52187

Prime Downtown Champaign Development Property

Prime Development property in downtown Champaign! The Seed House consists of 2 parcels that are adjoining at 502 N. Hickory and 36 E. Washington, Champaign, located in a TIF District. The combined lot footprint is 60' x 133'. Zoned for mix use commercial and residential. It would make for an amazing space for any use. This is the last vintage, stand alone property - not adjoining any other structures - in Downtown Champaign. Total of 8840 sq. ft. Currently 2nd floor is owner-occupied loft. $899,900 Text RBCYQBL to 52187

308 N. Edwin, Champaign $159,900

Enjoy Warm Weather of the front porch or dining al fresco on the deck of this 3 bedroom, 2 bath bungalow with inviting front porch. Natural woodwork. Updated kitchen and mechanicals. Add your finishing touches to make this your perfect new home. Close to several parks.Text RBGDQNY to 52187

WIN MORE LISTINGS. ARE YOU WINNING LISTINGS IN THE CURRENT MARKET?

Is your real estate brand standing above the competition for prospective clients? Leverage the multi-media marketing power of The Real Estate Book to leave a lasting impression on your potential clients. Gain an advertising edge and win more listings.

Learn more:

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Get Mortgage Answers The home-buying process can seem a bit overwhelming, but it doesn’t have to be! We’ll walk you through it.

Contact Diane to get started on your home loan! Diane Sullivan

VP, Mortgage Lender NMLS# 421698 2911 Crossing Court, Suite 100 Champaign, IL 217-866-0356 dsullivan@firstmid.com

Visit us online and click on

to start the process!

Look for First Mid in these communities: Champaign | Urbana | Savoy Mahomet | Monticello Rantoul | Tuscola

NMLS #411170

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How to Get Approved for a Home Improvement Loan By Jason Caruso

hether you're building an addition, completely remodeling or just finishing your basement, a home improvement loan can help add value and comfort to your home. There are a variety of loan options available that we detail later in this article, but before you explore those, there are four steps you should take to ensure that you'll get the money you need: Understand Your Credit History With any type of loan, a higher credit score will give you better terms for your loan. But if you have a low credit score, that doesn't mean a home improvement loan is out of reach. There are government loans, private lenders and co-signing opportunities that may be available to you. 1

Evaluate Your Equity Home improvement loans are largely dependent on the homeowner's equity, since this becomes collateral for the loan. 2

Even if you have a decent amount of equity, you will need to prove that you're capable of paying your debts plus the added debt of the home renovation loan. The final terms of your loan agreement will be determined by your ability to pay back the loan on time. Get an Appraisal The lender needs to know the overall value of your home before agreeing to certain loan terms. Not every lender will require an appraisal of your home, but it helps to be prepared in case it's requested. 3

Estimate Your Project Cost Before you apply for a loan, you should establish a baseline of estimates from professional contractors to determine how much your home improvement project could potentially cost. This will give you a good idea of how much you'll need to borrow. Seeking out contractors for estimates will prepare you for what your project could entail. For example, you might be unaware that there's mold in your walls which is something you'll definitely need to take care of—and this will add to the amount you'll need to borrow. 4

While you're figuring out the cost of your project, be sure to request estimates from several contractors so you can shop around for the best price. What Are Your Home Improvement Loan Options?

After you've completed the above four steps, you'll be ready to look into your loan options: Home Equity Line of Credit With a home equity line of credit, you're able to withdraw money as you need it during a time limit that the lender has specified. Much like a credit card, as you pay some of the balance off, your credit will revolve and you can start to withdraw again.

This line of credit can have fluctuating rates that can be higher than the rate you'd get on a fixed-rate loan, making them more risky. But there is more flexibility with a home equity line of credit than a fixed-rate loan. Home Construction Loans When it comes to home construction loans, lenders need to place a lot of trust in the builder, meaning they are usually very cautious about giving out these loans. If things go wrong, the lender could quickly realize they've made a bad investment. Because of the risk for the lender, there are precise qualifications for this type of loan, including: » Proof of good credit and financial health » A comprehensive list of project details (floor plans, materials, etc.) » An estimated home value from an appraiser » A large down payment—usually 20-25 percent » Working with a builder that's approved by the lender Home Equity Loans A borrower uses the equity of their home as collateral under a home equity loan. The value of your property will need to be determined by a licensed appraiser, and this will determine the loan amount you are eligible to receive. Usually this requires good credit and can end up being more costly than other loan options since additional fees associated with the appraisal, originator, title and closing process can come up. FHA 203(k) Loans The federal government backs FHA 203(k) loans, which were established with the intention of revitalizing struggling neighborhoods. Under this loan, borrowers can purchase a property with the cost of repairs and upgrades included. The required down payment is as low as 3.5 percent in most instances. Make sure to follow the above steps and do your research on loan types as you're planning to renovate your home! Jason Caruso has over 15 years of experience in the financial sales and service industry. He is currently a loan officer with an independent mortgage broker serving Massachusetts, New Hampshire, Maine and Connecticut. Caruso has a degree in business administration and marketing. This article is intended for informational purposes only and should not be construed as professional advice. The opinions expressed in this article are those of the author and do not necessarily reflect the position of RISMedia. Reprinted with permission from RISMedia. ©2018. All rights reserved.

Shop with confidence using the PrimeLending Float Down Option. You deserve one less thing to worry about when buying a home. With PrimeLending’s Float Down Option*, you can lock a rate with confidence, knowing if rates fall, your rate will be adjusted. We want to help you find the perfect house without worrying about interest rates.

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*Float down option may require additional fees and restrictions. Please contact your PrimeLending loan officer for more details. All loans subject to credit approval. Rates and fees subject to change. Mortgage financing provided by PrimeLending, a PlainsCapital Company. Equal Housing Lender. © 2016 PrimeLending, a PlainsCapital Company. PrimeLending, a PlainsCapital Company (NMLS: 13649) is a wholly owned subsidiary of a statechartered bank and is licensed by: Illinois Residential Mortgage Licensee.

Please Say You Saw It In The Real Estate Book - Vol. 30, No. 6 - Page 23

GET ZAPPAR ZAP THE CODE

217-351-SOLD

Joe McDaniel 217-433-0066

www.bhhscir.com

Margie Hoss 217-493-9033

2500 Village Green Place, Champaign, IL 61822 !

Alan Nudo 217-840-3865

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Tonia Ribbe 217-778-3092

Philip Klopfenstein 419-786-9180

Atif Irfan 217-419-0195

Urbana $374,900 Historical Victorian. Updated Kitchen, New Roof, HVAC &Electric Historic Charm next to U of I Text RBGQBJF to 52187

Champaign $329,500 4 unit building in heart of downtown. Could be converted back to Single-Family Text RBGQBHZ to 52187

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Champaign $464,500 4bd/3.5ba/3car 4 yr old home in Abbey Fields Text RBGQBJK to 52187

.25” MARGIN

Wade Thweatt 217-390-0556

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Jacob “Big Jake” Paul 217-800-2757

Jason Rogers 217-621-2496

Desa “DP” Phetchareun 217-390-2296

Allison Holden 262-224-4940

Champaign $230,000 4 BDR/2.5 BA/2 car garage Text RBGQCYL to 52187

Champaign $69,900 Downtown Champaign. Hardwoods, .125” BLEED French Doors w/balcony. Easy Living Text RBGFRFW to 52187

.375” MARGIN

SAFE AREA

Urbana $234,500 Contemporary 2 story on course. Southern Exposure - 3bd/2.5ba/1car Text RBGQBJY to 52187

NO TEXT OUTSIDE OF THIS AREA W: 4.875” H: 3.6891”

.375” MARGIN

Tim Hoss Managing Broker 217-369-1670

FIVE SMART WAYS TO AVOID A DELAY IN CLOSING By Barbara Pronin Closing day is a red-letter day for buyers, sellers and their agents – the long-awaited time when final papers are signed, monies are disbursed, and everyone goes home happy. In a perfect world, there would be no hitch in having funds wired from the bank. A cancelled deposit check would never go missing, and the moving van scheduled for Thursday morning would never need to be postponed. But we don’t live in a perfect world, and seasoned agents know how vital it is to work with clients, lenders and closing agents in order to avoid delays. “I never assume a closing will go smoothly until I’ve talked with my buyers, dotted a few i’s and crossed a few t’s,” said Kathy Murphy, a top-producer with CENTURY 21 Town & Country Realty in Royal Oak, Michigan. With that in mind, here are five ways to avoid delays in closing: Preview the paperwork – If the buyers are obtaining financing, they receive their Loan Estimate within three days of sending in their loan application, and receive their Closing Disclosure three days before closing. Be certain they read them carefully, double checking the loan and down payment amounts, interest rates, etc., as well as all of their personal information. A minor discrepancy or a simple misspelling could cause a delay unless it is promptly addressed. Read the preliminary title report – Request a copy and review it to be certain there are no “clouds” on title. Many issues, such as an unpaid contractor’s bill, can and should be easily cleared. Your buyers should understand that the title insurance purchased will protect them against any issues that may

crop up later, but that the policy is effective only from closing day forward. Sidestep last-minute mortgage issues – Check in with the buyer’s lender frequently to be certain no needed documents are missing and they are on track for the scheduled closing. Resolve final walk-through problems – A final walk-through with your buyers a few days before closing may reveal items that need to be resolved, such as a broken plate glass window or the light fixtures the sellers agreed to leave are missing. Work with the seller’s agent to determine the best and quickest way to resolve the problem, which could include the seller paying cash for repairs, or negotiating a credit for the buyer at closing. Head off cash flow hitches – Be sure the buyers are aware of the escrow company’s policy regarding final closing funds. In most cases, funds must be wired to the escrow company the day before closing. Your buyers should be certain they have arranged the wiring instructions so that funds reach the closing agent in time. Take extra care to avoid the possibility of cyber-fraud by giving the buyer the phone number to the escrow company and reminding them to verify the wire instructions prior to authorizing their bank to send money on their behalf. Barbara Pronin is an award-winning writer based in Orange County, Calif. A former news editor with more than 30 years of experience in journalism and corporate communications, she has specialized in real estate topics for over a decade.

what’s next for

SMART HOMES Smart homes, smart features and smart appliances are exploding in popularity and will soon be the norm everywhere. With more manufacturers pushing the envelope in smart home design, homeowners can expect a fully connected home in the not-so-distant future. “Smart home” can mean a lot of things, such as a home that only has programmable light bulbs, or a home with a smart thermostat or one where the security and entertainment systems are controllable with an app.

Most smart homes also have a central hub that allows one device to trigger actions in another without user intervention. For example, a connected smart home can give you the power to (all at once) lock the door, turn off the lights, adjust the thermostat, activate a security camera and more. However, there will be more in store for smart homes and the “home ecosystem” such as intelligent kitchen surfaces and washing machines that set clothing aside for donation. For example, as a way to expand on the popular digital cook top, one prediction is a concept cooking environment with a fully connected social media hub that syncs devices and all of your kitchen appliances. One possible innovation is an interactive backsplash with the potential to connect to social networks, websites, play music, store and save recipe

cards in a digital format, track refrigerator inventory, create grocery lists, send reminders when you’re out of an ingredient, and keep tabs on expected guests with GPS. Further, the appliance maker Whirlpool also anticipates the debut of thoughtful appliances that work for homeowners and the greater good. Laundry, for example, could become an act of charity with apps that automate donations for every load. Washers may also come equipped with at-home quiet modes triggered by a smartphone, and varied cycles for specialized clothing, active wear, infant clothing or handwash fabrics. Purchasing a home with smart technology can be exciting, and right around the corner there will be even more appliances and devices that will make life around the home easier and more enjoyable.

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Please Say You Saw It In The Real Estate Book - Vol. 30, No. 6 - Page 27

Time to Refinance?

Mitch Wilson 217.872.7562 217.859.6123 mitch.wilson @hickorypointbank.com Loan Originator Identifier: 1718980 Loan Origination Company Identifier: 433956

Contact me for rates

Opening doors to your possibilities.

HICKORYPOINTBANK.COM

SURPRISING THINGS YOU CAN NEGOTIATE INTO YOUR HOME PRICE WHEN SELLING By Abigail Sawyer

When you’re ready to list your home on the real estate market, you conduct a thorough inspection and fix any problem areas. You make your house look shiny and new by replacing broken items, upgrading light fixtures, floors, cabinets and window treatments, cleaning every inch and staging your home perfectly for your open houses. But aside from listing the typical selling points like square footage, the number of bedrooms and bathrooms, landscaping features and proximity to excellent schools, you can also list extra features to potentially boost the price.

Here are five things around your home that you can leverage to increase its value: Appliances

Appliances can be tough to move, especially if they’re built into your kitchen or laundry room. Instead of planning to take them with you, include them in the price of your home. A word of caution: Be sure the appliances match, are (relatively) new and look immaculate. If you’re in a pricey neighborhood, buyers want move-in ready homes stocked with higher-end appliances. Spring for expensive brands, and you may be able to get more money for your home when you sell.

Furniture

When you move into your new abode, you’re not going to be taking your window treatments with you. But while you’re in your current home, it’s worth setting aside a few hundred dollars to replace the blinds, shutters and curtains. If you have older aluminum blinds or unattractive curtains, swap them with modern-looking roman or roller shades, or even faux wood shutters and blinds.

SURPRISING THINGS YOU CAN NEGOTIATE INTO YOUR HOME PRICE WHEN SELLING

Some buyers are looking for a truly turnkey home that’s completely furnished, especially in fast-moving cities like Los Angeles and New York City. The furniture they see staged at your open house will help them achieve that, and they’ll likely be willing to pay extra for it. By selling your furniture and decor with your house, you may be able to mark up your home listing by 30 percent.

Light Fixtures

Window Treatments

Light fixtures are usually customized for a space, so it’s better to leave them in your house. To successfully sell them with your home, go for modern fixtures that keep the space well lit. Avoid harsh fluorescent lights and choose LED bulbs instead, which can make a room look brighter while saving energy and heat at the same time. You can put in accent lighting to show off your home’s focal points. Add vanity lighting to the bathrooms and install path lighting along your outdoor areas for more light.

For a truly modern, convenient touch, install motorized shades that can be opened and closed with the touch of a button. When you’re selling your home, you can include these updated window treatments in your price.

Playsets

Many potential buyers have kids or plan on having kids, especially if they’re first-time homebuyers. Even if your own kids have outgrown the swing sets and play areas, consider keeping them in the yard. They have the potential to increase the price of your home and make it a more attractive option for your buyers.

Before you put your house on the market, be sure to consider these five aspects of your home. You may be able to boost the sale price by looking at these different features and leveraging them to your benefit. This appeared first on RISMedia’s Housecall. Abigail Sawyer is a senior social media specialist for Blinds.com. She’s a home improvement junkie who is currently restoring a 1972 cottage. She writes on all things related to home decor and decorating. If you’re planning on selling your home and want to add new window treatments, you can find a wide variety on Blinds.com.

Realty Associates Each Office Independently Owned and Operated

DianeDawson@remax.net

JUNE’S FEATURED LISTING:

ARCHITECTURAL MASTERPIECE...IN MAHOMET! Located in the Prestigious Creek Subd. This completely updated, LAKEFRONT home sits on a scenic 1-ACRE lot! Exceptional, impressive home, but with a warm, welcoming & comfortable feel. Custom built by Sun-built & designed w/walls of windows to maximize the lake views. Owners have totally transformed this home, investing over 300K to renovate & update. Stunning selections in current colors & décor, this home could easily be featured in Better Homes and Gardens! Fabulous, flowing layout w/a soaring 2-story entry & generously sized, wide open living spaces. ~8500 sqft w/9 BA/ 6 BR, 4 fireplaces. Formal living rm has cathedral ceilings & flr-to-ceiling, brick fireplace. Spacious & spectacular chef’s kitchen w/breakfast bar & huge table area. Gorgeous, gleaming granite & quartz counter tops & marble backsplash. Abundance of high end cabinetry & professional grade appliances: Sub Zero refrigerator, upscale 6-burner Wolf cook top & built in

SOLD! FEATURED LISTINGS:

MAY

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Diane Dawson

EXPERIENCE, SERVICE... RESULTS!

CALL! (217) 373-4812

double ovens. Private, first-floor master suite offers the perfect retreat w/beautiful lake views & direct access to the back. Sumptuous spa like bath has a walk in Kohler digital shower, dbl vanities, heated tile floors & a 6K free standing soaker tub. Enormous family rm w/vaulted & beamed ceiling. Upstairs has a open rec area & 4 big bedrooms, all w/direct bath access. Bonus rm above garage w/full bath, & sep.staircase, perfect to work from home. Full, finished bsmt has an gigantic media rm w/ledgestone fireplace, wet bar, full bath & bonus rm/currently being used as an home gym. Acres of natural hardwood, New plumbing/light fixtures, wi-fi thermostats, & integrated sound system. Oversized 5 car garage, whole house generator, 2 decks, stone patio & screen porch. Fantastic opportunity to own & enjoy this wonderful property, providing gracious accommodations, amazing amenities & breathtaking views! Text RBGPTKR to 52187

$1,170,000

Call Diane! ...Your Home Featured & SOLD! Next!

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- broker

(217) 819-4899 Email: SOLD@bradcoats.com

$359,900 Prairie Meadows Savoy, Brand-New! Just finishing the last details on this high quality new Signature built home in sought-after Prairie Meadows Savoy. Expanded & upgraded open-plan plus a fully finished basement. Too many upgrades and added features to fit here for this gorgeous new high-efficiency open-concept home w/amazing master suite, dream kitchen, fantastic finished basement, oversized garage & more.... call Brad or your agent today to get in asap and see for yourself... this one has it all!

ING PEND Coming Soon! Affordable 4-bedroom in Tolono! Call today about this hard-to-find affordable home just coming to market in sought-after Tolono with 4 bedrooms, 2 full baths, 2-car attached garage on a corner lot with great trees just a couple blocks from West-Side Park! Fantastic Unit-7 schools, priced for quick & clean-cut sale to cash or pre-approved buyers.

$117,500 Brick ranch just listed in Champaign! Nice solid 1959 brick ranch home with original hardwood floors, spacious 1,332 sq ft home w/3 bedrooms, oversized bath w/double sinks, eat-inkitchen, fantastic built-in wood burning stove w/ new tiled hearth, bonus hobby/shop 3-seasons space off 2-car attached garage w/breezeway. Corner lot is fenced & has a garden shed. Super clean & move-in ready, call today before this one gets snatched up!

$169,990 Turnberry Ridge townhome! Fantastic layout, and just about a block from the wonderful neighborhood park. 1st-floor master, 2 more bedrooms upstairs, bonus huge family/rec-room in the partial finished basement, brand new carpet/pad & fresh paint, fenced private backyard. What a value! Call today as this one is priced right and will not last! Brad, 217-819-4899

SOLD $160,000 Southwood location opportunity This one will need some TLC, but everything is there.... location, 3 bedroom, 2 full baths, 2-car attached garage, good hardwood floors, arhitectural replacement roof shingles.... lots to work with if you wanted to remodel and update this one for bonus sweat-equity. Call Brad or your agent today about this nice opportunity, must be fully pre-approve or cash for this Estate sale please.

SOLD

Champaign ‘Westview’ Ranch! SOLD! Brand-new custom, Mahomet - ‘Thornewood’ $168,500 Another fully customized all-new home with quality Don’t miss this agent-owned home & priced right.... construction & extreme attention to detail underway and set on established super ‘Westview’ neighborhood location. lot w/new wood privacy fence, new roof a fantastic lot. Call Brad to help find a great location and work Corner June/2019, new HVAC & windows 2007, updated to get the best builder and build-package for your future dream kitchen w/stainless, covered patio, finished/heated home here in Central Illinois for the best result and a smooth & breezeway, stone fireplace, lg side-entrance 2-car timely process. He can work with your layout criteria & wishes garage w/new opener, spacious garden shed & more. and apply his 22 years of new-home/real estate experience to Must be pre-approved at this price. Great find, call your agent today before this home gets snatched up! include everything while targeting your future resale.

SOLD SOLD! Savoy location all-new home... Experienced quality builder for this 3-bedroom home with open kitchen, painted cabinetry, super master bedroom & bath, solid quartz counters, gas-log fireplace, lots of storage and closet space, fantastic Savoy location with low taxes, parks & Champaign schools!

SOLD SOLD! ‘Prairie-Fields’ Savoy! Call Brad today, so he can help you find the next really good one before it’s gone in this faster-pace market. His 22 years of proven experience will help to make a difference in your home search to find and get the best one. Brad is dedicated to successful results for you... Call Today!

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