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Desirable timber loft condo with northern exposure, split two bedroom floor plan, 14′ ceilings, exposed brick and ductwork and in-unit washer/dryer. Kitchen with maple cabinets and granite. Balcony off master and living room and garage space included. Walk to Whole Foods, Target and Starbucks! List price: $325,000 Taxes: $3624 Assessments: $390/mth

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Almost 1500 square feet of vintage beauty! Stunning two bedroom, one bath condo with streaming light from all directions, spacious and elegant rooms, newer kitchen and separate dining room. Decorative fireplace surrounded by built-in bookshelves and cozy back porch round out this classic beauty. List price: $299,900 Taxes: $4981 Assessments: $398/mth

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Fabulous two bedroom, lakefront loft condo within steps to the beach! Updated bathroom with custom stone tiles, upgraded lighting and paint, hardwood throughout, in-unit washer/dryer, surround sound, fireplace and balcony overlooking landscaped courtyard. List price: $215,000 Taxes: $2072 Assessments: $200/mth

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Exceptional extra-large one bedroom with hardwood throughout, separate dining, remodeled kitchen with stainless steel appliances, tumbled marble backsplash and corian counter with integrated sink. Bright and sunny retreat with lake views to the east and sunsets over Wrigley Field! List price: $207,000 Taxes: $1843 Assessments: $439/mth

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First Time Home Buyers can put as little as 5% down and receive a Conventional (not FHA) mortgage IF:

1. You haven’t had ownership interest in a home in the past 3 years

2. You are  purchasing a House, not a Condo

3. You are using it as your primary residence

4. Credit score and income requirements apply*

If you don’t fit into this box, you can still finance on a Conventional mortgage with as little as 10% down. You’ll need a 720 FICO score but you can avoid the high mortgage insurance payment of FHA and won’t be as limited in your condo shopping.

For more information on today’s available financing or for a free pre-approval consultation, contact me at corinne.guerra@rwfmortgage.com.

*minimum 720 FICO score and 40%DTI. other qualifications may apply.

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Gorgeous and sunny top floor condo in courtyard building. Large one bedroom, one bath with separate dining and newer kitchen. Hardwood floors and arch details plus one car garage. List price $195,000 Taxes $2591 Assessments $202/mth

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Don’t miss my stunning new listing in one of Evanston’s premier downtown high-rises! Sweeping Lake and City views meet breathtaking sunsets in the Master Bedroom. 2BR/2.1BA plus bonus room which can be dining, den or office. Hardwood floors, granite and stainless kitchen, crown molding, upgraded lighting, custom window treatments and closets, in-unit washer/dryer, balcony and two car garage parking. For more photos and details … www.rubloff.com. List price: $525,000

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361511676_821953375b_mIt’s true that the government is trying to devise a way to allow buyers access to the $8,000 tax credit at the time of purchase rather than afterwards.

Right now, the only way to obtain the credit (if you qualify for it) is to send in proof of purchase of a home in 2009. This doesn’t help many home buyers use the funds to purchase the home itself.

Wells Fargo is working on creating a temporary loan or “bridge loan” to allow buyers to use those funds towards their down payment and closing costs. It is not yet available and we don’t know how long until it will be or what the details of the bridge loan will look like but when I know more, I’ll post it here.

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Highly desirable timber loft condo with northern exposure, split two bedroom floor plan, dramatic 14′ ceilings, exposed brick and ductwork and in-unit washer/dryer. Kitchen with maple cabinets and granite. Balcony off master and living/dining room plus garage space included. Walk to Whole Foods, Target and Starbucks! List price: $325,000 Taxes: $3624 Assessments: $390/mth

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Extra large vintage studio in beautiful landmark building. Hardwood floors, updated eat-in kitchen and large closet. Sunny condo in walking distance to public transportation and the lake. List price: $145,000 Taxes: $2471 Assessments: $184/mth.

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