The Real Estate Book of Chicago West & Far West Suburbs - Vol 7#6

Chicago West & Far West Suburbs

Volume 7, Issue 6

Grand Home On The Fox River 6, 700+ SqFt Home Built with Quality Craftsmanship and the Finest Materials.

Walk to Downtown Geneva, Parks, Restaurants, Bars and Shopping. See Back Cover Michael LaFido Luxury Realtor®

6 3 0 - 6 7 4 - 3 4 8 8 ( C a l l / Te x t )

M i k e @ T h e L a f i d o Te a m . c o m

LuxeChicagolandHomes.com

How Much Is Your Home Worth?

Scan this code or visit FoxValleyHomeValues.com.

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Text RBHHRCR to 52187

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Call Text 630-513-1771 RBHWLHS for to 52187 More Info

ST. CHARLES | $1,139,000 GOLF COURSE & WATER VIEWS!

ST. CHARLES | $575,000 TRUE 5 BEDROOM!

ST. CHARLES | $426,000 RARE HILLSIDE RANCH!

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ST. CHARLES | $975,000 STUNNING CUSTOM BUILT HOME!

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ALGONQUIN | $270,000 PRIVATE CUL-DE-SAC!

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Buying or Selling...Contact Us TODAY To Discuss Your Real Estate Needs.

Buying or Selling...Contact Us TODAY To Discuss Your Real Estate Needs.

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Homes Are Selling Fast, Buyers Are Waiting For Homes Homes Are Selling Fast, Buyers Are Waiting For Homes! and Interest Rates Are Historically Low! The Follow us on: Real Estate Market Has Changed and Your Home To View Photos and Listing Details Text the Property Listing Code to 52187 May Be Worth More Than You Think...Call Us TODAY!

Alex & Vicky Rullo 630-513-1771

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ST. CHARLES | $450,000 EXCEPTIONAL HOME - INSIDE & OUT!

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PREMIERE Wheaton, IL

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4200+ SqFt, Finished Bsmnt, Gourmet Kitchen

2 First Floor Bedrooms, Large Lot

Low Maintenance Lifestyle.

$825,000 | 6 BDR/4.1 BA | Paula 630-251-5155 Call For Price | 4 BDR/1 BA | Call Becky or Eric $499,900 | 3 BDR/3.1 BA | Call Becky or Eric

Text RBHWLKW to 52187 For Photos Text RBHSGXQ to 52187 For Photos Text RBHTLZY to 52187 For Photos OSWEGO - 55+ CLUBHOUSE COMMUNITY WHEATON - INVESTMENT OPPORTUNITY WHEATON - EXTENSIVELY RENOVATED

Large Kitchen & Master. Sun Room

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Text RBHLPQD to 52187 For Photos Text RBHQDFL to 52187 For Photos Text RBHWPVP to 52187 For Photos WEST CHICAGO - CENTRAL BUSINESS DISTRICT WHEATON - PRESTIGIOUS AREA WHEATON - SOON TO BE COMPLETE

Historic Window Front Building

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Add Your Finishing Touches

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Home to a Better Mortgage Experience.

Skip Brown

630-836-2529 phone 630-836-2579 fax skipbrown@compmort.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. 7, No. 6 - Page 5

Broker/Owner

630-202-5940

www.TimBinning.com

Text the Listing Code to 52187 for more Photos & Details or Visit My Website to View These Homes & More. TimBinning.com Coming Soon!

Home Warranty Included!

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HOFFMAN ESTATES | 3 BDR/2 BA | $289,900

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GENEVA | 3 BDR/3.1 BA | $1,089,900

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Page 6 - Vol. 7, No. 6

Patricia Romke 630-927-1207

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KNOW YOUR FINANCIAL SITUATION.

Before you begin your home loan application process, determine what you can realistically afford. Take into consideration your credit score, how much debt your currently carry, including student loans and what type of down payment your’re prepared to make.

COMPARE QUOTES.

Make sure you are familiar with interst rates, loan terms and additional fees when buying a home.

Beyond the interest rates, there are closing fees and points and commissions. You’ll want to compare these for all lenders on your list. There are several calculators available online that may help you determine which loan provides the best value.

Tips For Getting A Home Loan CHOOSE A TRUSTED LENDER.

Get references from family and friends, and do your research. Check with the local Better Business Bureau, to see if there are complaints about any of the lenders you are considering.

READ BETWEEN THE LINES.

TV ads and telemarketers will often offer fast, easy home loans, but will not disclose the details.

Read the fine print. If it sounds to good to be true, it probably is.

ASK QUESTIONS.

When in doubt, ask for clarification. Discuss how long the loan process will take, how you will communicate and who will service your loan.

HAVE YOUR DOCUMENTS READY. Although each lender may require different documentation, you may be required to furnish the following information depending on your employment and financial situation.

Pay stubs Tax returns Financial and bank statements Copies of monthly payments such as car loans, credit cards and student loans Any other information (such as proof of additonal income) that you think will help the lender evaluate your credit request positively

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Page 8 - Vol. 7, No. 6

3 Tips For Home Sellers It’s Economy 101: Too many qualified buyers chasing too few homes mean home prices will continue to rise as long as interest rates don’t get too high. If they do, the housing market will finally slow down and become more balanced.

Sellers selling in 2022 should, in most communities, be able to sell with relative ease during the first half of the year.

It may be a little tougher as we move toward 2023, depending on how fast interest rates rise.

If you’re selling this year, keep these tips in mind for an easier, speedier sale:

1

Price your home correctly.

If the last few years have proven anything, it’s that buyers will pay almost anything to get a home. Bidding wars were common. They may be less so in your community, so pay attention to the numbers your agent brings to the table.

Pricing your home competitively may generate a number of offers in excess of the list price. What you want is to generate interest and showings, and a “pie in the sky” price won’t do that, even with the dearth of homes for sale.

2

Make your home stand out online. There may not be a crowd of homes for sale, but you want yours noticed for all the right reasons.

Anyone looking in your neighborhood will see that your home is for sale. But they’re probably pretty seasoned buyers at this point, and they’ll quickly be able to tell if your home is a possibility.

So, do what you can to make your home look as clean and polished as possible: Strip your home of all personal effects and artwork, clear out half the furniture (or all, in some cases), repaint the walls white, buff the floors, and put up neutral bed coverings. Give your home

a deep cleaning, re-grout dirty tiles, and replace carpet as needed. Replace old fixtures with modern LED lights. Open the window shades (or remove them) and clean the windows.

Charming exteriors will get noticed faster, and if prospective sellers do a drive-by showing, your home must dazzle them into stopping to take a closer look. To that end, repair anything that’s broken. Repaint where needed. Be sure to shovel the driveway and walkways so prospective buyers don’t have trouble coming up to the front door. Once spring comes, plant colorful flowers and edge your lawn. Decide if your front door and walkway could use sprucing up with a coat of paint or a more complete refresh.

3

Decide in advance what is the minimum acceptable sales price, and then stick to it. One of the biggest mistakes sellers make is letting greed get the best of them.

Either they set the list price too high, and then have to go through painful rounds of list price reductions, or, once an offer comes in, they fight tooth and nail for every last dollar instead of negotiating to get the deal done.

The best thing you can do is decide what is the minimum price you’d be willing to accept. Write that number down and when the first offer rolls in, look at that piece of paper and see how it compares to the offer. If you’re at or above your minimum acceptable price, you’re in good shape. Everything else is gravy. And, if you get your minimum acceptable price, we think you should relax and feel good about the deal.

We believe that the best real estate deals happen when everyone walks away happy.

As a seller in 2022, resolve to move on from your home, grateful for the time you’ve spent there and the buyer who will care for your home going forward.

Contact One Of Our LOCAL Real Estate Experts To Discuss Selling Your Home ©2022 Ilyce R. Glink and Samuel J. Tamkin. Distributed by Tribune Content Agency, LLC.

Vol. 7, No. 6 - Page 9

Nikki Lorenzen

Managing Broker/Owner Lake Holiday Homes 815-474-9292 | Sandwich, IL

Jenn Henry

RE/MAX All Pro St. Charles, IL 630-313-0103

nikki@lakeholiday.com LakeHoliday.com

jennhenry01@gmail.com JennHenryRealtor.com

Christina Bagwill

Adam Rullo

RE/MAX All Pro St. Charles, IL 773-348-7325 adamrullo@gmail.com TheRulloTeam.com

Alex & Vicky Rullo RE/MAX All Pro St. Charles, IL 630-513-1771 rullos@rullos.com TheRulloTeam.com

Kettley Realtors Sandwich, IL 815-343-5206 cbagwill2019@gmail.com

Margie Thorgesen

Beth Swanson

Debbi Brinegar

margiethorgesen@yahoo.com

bswanson3788@gmail.com

debbibrinegar@comcast.net

Anne Johnsen Kettley Realtors Batavia 630-862-5507

Natalie Brummel Kettley Realtors Yorkville, IL 630-247-4228

Kettley Realtors Yorkville, IL 630-253-0681

Kettley Realtors Batavia, IL 630-675-8157

amjohnsen@hotmail.com

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Patricia Romke

Gianni Neito

Realty One Group Excel Realty One Group Excel Aurora, IL Aurora, IL 630-927-1207 224-650-8922

Kettley Realtors Sandwich, IL 815-258-5687

Janet Seego

jseego@comcast.net

Bobbie Soris

Realty Executives Success Yorkville, IL 630-567-5779 patriciaromke@gmail.com gianni@homessoldbygianni.com bobbie@bobbiesoris.com PatriciaRomke.com HomesSoldByGianni.com BobbieSoris.com Top Producer

Kettley Realtors Yorkville, IL 630-618-8156

Carla Hill

Kettley Realtors Sandwich, IL 630-558-1729

carla@carlahill.com CarlaHill.com

Joanne LaVia

Coldwell Banker Real Estate Group Oswego, IL 630-267-7564 Top Sales Producer JoanneLaVia.com

4 TIPS FOR BUYERS TO

OVERCOME LOW INVENTORY A booming real estate market can present plenty of challenges to homebuyers, one of which is low inventory. When you find yourself in a highly competitive market that faces a shortage of listings, it’s important to work with an agent who has an in-depth understanding of how to navigate the situation.

Following are several tips to help ensure you can achieve your goals, even when facing low inventory.

ASK ABOUT POCKET LISTINGS

MAKE A STRONG OFFER

In the luxury sector, in particular, it’s quite common for sellers to quietly list their property rather than blasting it all over the internet. A savvy real estate agent who’s plugged into the local market can help get you access to these pocket listings that are discreetly marketed by word-of-mouth. Furthermore, your agent should also be able to keep aware of any pre-market listings that are ready to be listed but not yet marketed online, to help you get a jump start ahead of the pack.

When sellers receive multiple offers, it’s not always the highest one that’s the most appealing. In fact, there are other ways to set your offer apart, such as making a cash offer or waiving contingencies. In the event that another buyer offers the same amount, this can give you a competitive advantage.

GET READY TO ACT FAST In a hyper-competitive market, speed can make all the difference. That’s why it’s always a good idea to get pre-approved for a mortgage even before you find the ideal home so that you know exactly how much you can offer and are positioned to act quickly when the time comes. The last thing you want is to miss out on an opportunity while waiting to get approved.

BE PREPARED FOR A BIDDING WAR No buyer wants to find themselves in a bidding war for a property, but it’s all too common in a market with low inventory. If this happens, it’s important to know your limit beforehand and take the time to consider what the home is worth to you versus its current market value. After all, it can be difficult to put a price on the perfect home, especially once you’ve started getting attached to the idea of it.

Reprinted with permission from RISMedia. ©2021. All rights reserved.

Vol. 7, No. 6 - Page 11

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630-561-3542

Very Large and Spacious House 4 BDR/2.1 BA Montgomery | $305,760 MLS #11404633 Call 815-786-3200

Custom Build Home Beautiful Lot 3 BDR/3.1 BA Sugar Grove | $459,900 MLS #11398289 Call 630-466-4485

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KETTLEY INSURANCE • 630-896-4477 SERVING THE FOX VALLEY AREA SINCE 1962

Page 12 - Vol. 7, No. 6

Alison Alison Rosenow, Rosenow, Managing Managing Broker Broker

815-762-5226 815-762-5226 arosenow@arillinois.com arosenow@arillinois.com AmericanRealtyIL.com AmericanRealtyIL.com

513 W. State Street, Sycamore, IL 60178 513 W. State Street, Sycamore, IL 60178

5 5 Inverness Inverness Ct, Ct, Dekalb Dekalb

Luxury Luxury Golf Golf Course Course Estate Estate

-Large Lot With Beautiful Views -Large Lot With Beautiful Views -Updated Kitchen, Baths & more -Updated Kitchen, Baths & more -2.5+ Car Garage, Golf Cart Storage -2.5+ Car Garage, Golf Cart Storage -Many Premium Upgrades -Many Premium Upgrades -Finished Basement -Finished Basement -5 Bedrooms, 3.5 Baths -5 Bedrooms, 3.5 Baths -Listed At $559,000 -Listed At $559,000

231 231 Bethany Bethany Rd, Rd, Dekalb Dekalb

20+ 20+ Acre Acre Estate Estate with with Private Private Pond Pond

-Partial Finished Basement -Partial Finished Basement -Sun Room, 2 Car Garage & Shed -Sun Room, 2 Car Garage & Shed -Private Stocked Pond -Private Stocked Pond -Kishwaukee River Frontage -Kishwaukee River Frontage -Development Potential -Development Potential -3 Bedrooms, 3 Baths -3 Bedrooms, 3 Baths -Listed At $800,000 -Listed At $800,000

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The Real Estate Market Is HOT! The Time To List Your Home Is NOW!

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Page 14 - Vol. 7, No. 6

Find your

PERFECT SUNSET Whether on the Fox River or on a tropical beach,

we can help you get there!

The Michelson INTEGRITY DREAM TEAM has been assisting Illinois residents for over 22 years. We know whether you are moving across town or to another destination, finding the right home can be daunting, especially right now — but we are here to make it easier. From listing to closing, we are with you every step of the way. With our industry experience, local expertise, global relocation connections, and the support of Chicagoland’s largest independent brokerage, we can make your next move easier.

Contact us today to get started.

Hayley Farren 630.723.7982 Chuck DiVito 630.991.7012 Brenda Weaver 630.330.6195 Patty Harbin 630.777.5861 Kelly Michelson 630.551.1111

Beth David 815.325.3563 Kathy Metzger 630.277.7302 Jeff Weisse 630.649.3328 Bethany Rutsay 630.885.6833 Kristin Cyko 630.730.9476

Scan this code using your smartphone to reach the Integrity Dream Team website.

608 E. Veterans Parkway, Suite 1, Yorkville | 836 W. 75th Street, Naperville

ll

963

Erin Hill

630.336.5962

Dawn Powers

Jerry Hill

Calling UsUs Will BeBe Calling Will Your Best Move Your Best Move 630.336.5962 630.336.5962

ErinAndJerryHill.com ErinAndJerryHill.com

Erin Hill

Erin Hill Dawn Powers Jerry Hill 630.336.5962 630.863.8638 630.336.5963 630.863.8638

630.336.5963

630.336.5962

Our Heros Rebate Program gives back to our U.S Military Veterans and First Responder clients.

Aurora, IL

Buyer Services: Complete Housing Analysis & View Desired Homes | 1st Time Buyer or Move Up Visit www.OurHerosRebate.com For Complete and Referrals Other Benefits Buyer Program Details | Lender Legal & Contractor | Structure Offer to Purchase Available. & Negotiating Strategy

Quick Close Possible

Ranch Duplex In Active Adult Community

Maintenance Free Lifestyle

HOFFMAN ESTATES - UPDATED $229,900 New windows, 6 panel doors, carpet, light fixtures, counters, appls. Private enclosed deck. Laundry room with new washer/dryer.

3 BDR/1.1 BA

NORTH AURORA - COMING SOON $250,000 Open floor plan. Spacious kitchen with appls. 1st floor laundry. Master bedroom with bath. Full basement.

Front patio area is a bonus.

2 BDR/2.1 BA

AURORA - 1ST FLOOR RANCH $285,000 Huge great room with fireplace, spacious kitchen.

Master w/private bath. Private patio overlooks pond. Clubhouse & pool community. 2 BDR/2 BA

Maintenance Free Lifestyle

Maintenance Free Lifestyle

Spacious 2nd Floor Ranch

AURORA - COMING SOON $315,000 Luxury living at it's finest! 1st floor master suite. 2 story great room opens to gourmet kitchen with granite & SS appliances.

LOFT+ 3 BDR/2.1 BA

NAPERVILLE - MOVE IN READY $355,000 3 levels of living space with many upgrades. Kitchen open to private balcony. Attached 2 car garage and a huge cement crawlspace.

2 BDR/2.1 BA

AURORA - COMING SOON $235,000 Open floor plan. Large kitchen with appls. Great room opens to private balcony. Den could be converted to 3rd bedroom. Master Suite w/bath. DEN+ 2 BDR/2 BA

Luxury Maintenance Free Living

Walk To School And Park

Finished Basement With Huge Rec Room

OSWEGO - ADULT COMMUNITY $389,900 1st floor master with lux bath. Great room w/frplc opens to gourmet kitchen. 2 car garage, basement.

Pool & clubhouse community.

3 BDR/3 BA

OSWEGO - COMING SOON $400,000 Covered front porch. Large eat in kitchen opens to family room with fireplace. Master with updated master bath. On .5+ acre lot.

4 BDR/2.1 BA

NAPERVILLE - COMING SOON $500,000 Fenced .67 acre lot w/pool,deck, patio & koi pond.

Master suite w/lux bath & sauna. Family room with fireplace opens to sunroom.

5 BDR/3.1 BA

©2019 Coldwell Banker Real Estate LLC. All Rights Reserved. Coldwell Banker® and the Coldwell Banker Logo are registered service marks owned by Coldwell Banker Real Estate LLC. Coldwell Banker Real Estate LLC fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. If your property is listed with a real estate broker, please disregard. It is not our intention to solicit the offerings of other real estate brokers. We are happy to work with them and cooperate fully. An Equal Opportunity Company. Equal Housing Opportunity. Coldwell Banker Real Estate Group, 1242 N. Eola, Aurora, IL

11/05/2019

11/04/2020.

Michael LaFido

Luxury Realtor® C a l l / Te x t

630-674-3488

M i k e @ T h e L a f i d o Te a m . c o m eXp Realty, 939 W. North Ave, Chicago, IL

LuxeChicagolandHomes.com

Local Postal Customer

No One Sells Luxury Homes Like We Do!

Back Yard Water Frontage

Main Level Great Room

Featured On The Cover

Lower Level Great Room Executive Office Year Round Waterfront Living! Custom builder’s home with top-of-the-line craftsmanship & materials. From the grand foyer your eyes are drawn to the views of the Fox River. The 1st floor has a massive family room with 16’ ceilings & fireplace, Chef’s kitchen, master suite & large executive office with views of the River. The walkout lower level with full GE kitchen, 3 bed/2.1 ba, gym, & great room has 3 sets of doors that open to backyard with patio space. The waterfront patio spans the width of the property & includes a boat dock for your toys! Geneva | 4 Beds | 3.3 | 6,700+ SqFt | $1,898,000

Italian Inspired

Amazing Luxury

The finest finishes throughout. A chef’s kitchen, fabulous 3 State of the art luxury. 2.5 acres with backyard oasis. Elevator, season porch, lower level in-law residence. Indoor sport court. 12 fireplaces. Smart home automation thruout. Priced to sell.

Naperville | 7 Beds | 9 Bath | 14,600+ SqFt | $6,500,000 Wheaton | 6 Beds | 6.2 Bath | 9,000+ SqFt | $2,250,000

John Noldan

Scan this code to see what your home is worth.

EVP of Mortgage Lending

rate.com/johnnoldan jnoldan@rate.com

630-290-6251

Apply by phone or online today and get your closing cost credit*

Call John Today For Details!

John Noldan

EVP, National Sales

*Credit valid through John Noldan for applications submitted after 03/25/22 and prior to 12/31/22. Coupon/Credit must be presented/mention at time of application. $1000 credit will be applied at time of closing and is factored into the rate and APR. Applicant subject to credit approval. If rate.com/johnnoldan loan does not close for any reason, costs will not be refunded. This offer and/or receipt of application does not represent an approval for financing or interest rate guarantee. This coupon cannot be redeemed for cash/has no cash value. Restrictions may apply, contact. jnoldan@rate.com valid through John Noldan submitted IA after 03/25/22 and prior to 12/31/22. must be NMLS ID: 193680, LO #: AL - 80363, AR - 122113, AZ - 1021658, CA - CA-DFPI193680, CO - 100529481, CT - LO-193680, DC - MLO193680, DE - MLO-193680, FL -*Credit LO92814, GAfor -applications 193680, - 43433, IL -Coupon/Credit 031.0012041, IN - 49784, KS - LO.0044042, KY - MC743365, MA presented/mention at time of application. $1000 credit will be applied at time of closing and is factored into the rate and APR. Applicant subject to VA credit approval.

If loan does not close for any reason,VT costs will-notMLO-193680, be refunded. This offer and/or receipt of - 193680, WV - LO-193680, WY - 101619 O: (630) 290-6251 MLO193680, MI - 193680, MN - MN-MLO-193680, MO - 193680, NC - I-207272, ND - NDMLO193680, OH - MLO-OH.193680, PA - 193680, SD - MLO.11812, TN - 193680, - MLO-52157VA, WI application does not represent an approval for financing or interest rate guarantee. This coupon cannot be redeemed for cash/ has no cash value.

Restrictions may apply, contact Guaranteed Rate for current rates N or more information.

Guaranteed Rate Inc.; NMLS #2611; For licensing information visit nmlsconsumeraccess.org. Equal Housing Lender. Conditions may apply AL - Lic# 21566 AR - Lic#103947 - Guaranteed Rate, Inc. 3940 Ravenswood, Chicago, IL 60613 866-934-7283 AZ - 14811 N. Kierland Blvd., Ste. 100, Scottsdale, AZ, 85254, Mortgage Banker License #090707 CA - Licensed by the DepartmentNMLSofID: 193680, Financial Protection and Innovation under the California Residential Mortgage Lending Act CO LO #: AL - 80363, AR - 122113, AZ - 1021658, CA - CA-DFPI193680, CO - 100529481, CT - LO-193680, DC - MLO193680, DE - MLO-193680, FL - LO92814, GA - 193680, IA - 43433, IL - 031.0012041, IN - 49784, KS - LO.0044042, KY MC743365, MA - MLO193680, MI - 193680, MN - MN-MLO-193680, MO - 193680, NC - I-207272, ND - NDMLO193680, OH - MLO-OH.193680, PA - 193680, SD - MLO.11812, TN - 193680, VA - MLO-52157VA, VT - MLO-193680, WI - 193680, WV - LO-193680, WY - 101619 Guaranteed Rate Inc.; NMLS #2611; For licensing information visit nmlsconsumeraccess.org. Equal Housing Lender. Conditions may apply AL - Lic# 21566 AR - Lic#103947 - Guaranteed Rate, Inc. 3940 N Ravenswood, Chicago IL 60613 866-934-7283 AZ - 14811 N. Kierland Blvd., Ste. 100, Scottsdale, AZ, 85254, Mortgage Banker License #090707 CA - Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act CO -