12 Questions you should be able to answer before your write a contract:
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Wells Fargo just announced that they are dropping the rates I can give to home buyers! In addition to these low rates, if you lock in your rate and close within 30 days, you get an even lower rate!
This is unbelievable. The bottom of the housing market, mortgage rates lower than we’ve seen in 50 years, IRS tax credits and now even lower rates if you are a buyer!
How could it possibly be a better time to buy? (eh, conidering you are still employed, of course)
Contact me for a free pre-approval and first time home buyer consultation to see if it’s your time to become a home owner!
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Evanston Home for Sale
An article about the government and the Fed pulling out of the mortgage market:
Mortgage Rates are expected to rise significantly within months. This should motivate informed sellers to sell now and buyers to buy now.
Low mortgage rates coupled with the $6,500 and $8,000 tax credit is a phenomenal opportunity that’s available right now.
Don’t let this opportunity get away. Get pre-approved to buy today!!
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… is not full of vendors selling their wares on the street anymore. I was out showing property in the Maxwell Street/UIC area this morning and what an amazing amount of property they have. One question; how can I can show another agent’s unit if they don’t make the keys accessible?! I was told this office would be open and available at 9:45 but there was no one to be found. Too bad, we wrote up an offer on another unit! My fingers are crossed. I’m sure my buyers are too!
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A new year, a new home!
It’s a new day and Corinne and I have decided to shake things up a bit on our blog. We’re going to share our personal industry experiences with photos and commentary and a little more personality. We hope you enjoy these changes on ‘your place for everything real estate’ …and mortgage!
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We all know credit is probably the most tangible and well-known component of your financial make up. It influences every large purchase you make- a new home, vehicle, business loan and more.
As a mortgage consultant, I have many clients who are concerned about their credit so they can obtain the lowest interest rate possible on their mortgage. These are the issues I run into the most.
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Live in a premier luxury high-rise! Pristine and spacious condo with tons of closets, in-unit laundry, balcony with southern exposure and indoor parking. Doorperson and sundeck – what more can you ask for?! List price: $297,000 Assessments: $361/mth Taxes: $5454
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Light and bright 2 bedroom, 2 bath condo boasts living room/dining room combo with gas fireplace, galley kitchen with granite and stainless and a master suite with private bath and balcony! List price: $294,900 Assessments: $188/mth Taxes: $3306
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Beautiful and spacious top floor 3 bedroom, 2 bath condo that is as big as a house! Features include: barrel ceiling, huge living room with decorative fireplace and built-in shelves, French windows, formal dining, kitchen with pantry and breakfast room with built-in hutch. Hardwood throughout, garage and laundry included. A vintage lover’s dream! List price: $274,900 Assessments: $290/mth Taxes: $4815
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President Obama signed the bill on Friday which extended the $8,000 First Time Homebuyer Tax Credit and Advance Loan Program to April 30, 2010 – giving more consumers more time to receive the refundable tax credit when buying a principal residence.
New features make the extension attractive to homebuyers, including:
New Deadline: Sales contract must be in place by April 30, 2010 – but homeowners have an additional 60 days to close
New Dollar Amount and Eligibility: Up to $8,000 for first-time home buyers OR $6,500 for current homeowners who have lived in their current residence for 5 consecutive years and are purchasing their next property.
New Income Cap: maximum $125,000 (individual) or $225,000 (married couples). Increases in the cap make the measure available to a broader group of customers. (used to be $75,000 for individuals and $150,000 for couples)
Purchase Price: $800,000 maximum purchase price
You still must live in the new home for 3 years or be required to repay the credit.
Advance Loan Programs provide down payment and closing cost financing assistance in some states so that homebuyers can use the credit before their closing. We don’t have this program for Illinois buyers at this time.
If you are thinking about purchasing a home in Illinois, contact me for a free pre-approval and consultation today. Office: 847-512-2775 or corinne.guerra@rwfmortgage.com.
RWF Mortgage is a direct affiliate of Wells Fargo Home Mortgage.
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