Thinking about Selling your Home? Free Selling Guide (Open Link)

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Deb Brisolara Coldwell Banker Honig-Bell (630) 240-7407

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Good agents know how to deliver good news.

Great agents know how to deliver tough news. 

In today’s market, YOU NEED A GREAT AGENT!

  • I offer Great Customer service!
  • A Full-Time Agent since 2001
  • Coldwell Banker Honig-Bell is now the #1 Broker in the Nation and offers great advertising tools for me to use!
  • AND I DO!! We execute all aspects of advertising via internet, paper print and so much more!

Broker + Advertising = SOLD

Seasoned Broker + Advertising = SOLD

What more could you ask for when your selling and/or buying your home.

If you a first time seller, you may have some questions, even if you have sold before, the market is now different from past times. I am offering this Free Selling Guide.

Copy & Paste or Click to open: http://www.keepingcurrentmatters.com/pdf/SellingYourHouseSpring2015.pdf

For more information on selling your existing home, give me a call. I look forward to hearing from you!

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Open House Sunday March 8, 2015

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Are you in the beginning a of search for your new home? 

Are you wondering what type of home you can afford? 

There are so many questions that need to be answered when you begin a home search. 

Would you like to tour a few homes, and see what is available? 

I have a list of homes that are OPEN, Sunday, March 8, 2015

I can send you a list of all the open houses in the areas of your interest. 

# of Open Houses

79 Naperville

10 Bolingbrook

20 Plainfield

3   Woodridge

21  Downers Grove

6     Lisle

7     Oak Brook Area

If your looking in other areas, message me, call or text me and I can send you a full list of homes and pricing. 

Broker Deb Brisolara

Call/text @ (630) 240-7407

Email: HomesByDebra@gmail.com

downloadHome Buyers Put Down More Money in 2014

Home buyers showed the money in 2014. The share of buyers using low down payment loans plunged to an 11-year low last year, according to a new analysis of nearly 20 million purchase loans for single-family homes and condos nationwide.

Low Down Payment Loans Return

3% Down Payments May Be Game Changer

FHA Lowers Its Harangued Mortgage Costs

Smaller Down Payments Lure More Buyers

In 2014, 25 percent of home buyers using conventional or Federal Housing Administration loans put less than 3 percent down when purchasing a home – that’s down from 37 percent in 2006 before the housing crisis, RealtyTrac reports in its analysis.

So how much did home buyers put down? In 2014, the average down payment percentage was 15.4 percent, averaging $58,496 on an average purchase price, according to RealtyTrac’s data.

The average percentage down payment over the last decade has hovered in the 13 percent and 15 percent range, according to RealtyTrac. But down payments reached an 11-year high in 2013 when it reached 15.6 percent, as the housing rebound was occurring, says Daren Blomquist, RealtyTrac’s vice president.

That means in 2013 on an average purchase price of $291,428, and an average loan amount of $232,527, that translated into an average down payment of $58,900 – the highest of any year since 2004. The average down payment fell only slightly in 2014 to $58,496, for comparison.

Not surprising, the report also confirmed that lower down payment buyers tend to be first-time, entry level buyers. For home purchases with a down payment of less than 3 percent (but more than 0 percent), the average sales price was $190,304. On the other hand, in 2014, borrowers who put down 50 percent or more tended to have an average sales price of $502,213.

Senior loan officer Kathleen Kramer with JMJ Financial in California says it’s too early to tell if the recent changes by mortgage-finance giants Fannie Mae and Freddie Mac to allow 3 percent down payment loans will make an impact. Currently, she says there hasn’t been too much activity on the loans yet because they still have strict requirements on who can qualify for them. However, recent changes with the FHA in lowering its annual mortgage insurance premiums by 0.5 percentage points – a savings of about $900 annually to borrowers – has already shown to have an imprint, she says. The move by FHA, which took effect at the end of January, has sparked a string of refinancers and purchasers due to the loans now being cheaper and more affordable to get, Kramer says.

Source: “Share of Low Down Payment Loans at 11-Year Low,” RealtyTrac (Feb. 17, 2015)when_to_sell-300x195

Selling Soon? Declutter Before you sell!!

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Declutter Your Home Before Selling

An uncluttered home gives a spacious appearance

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You’ve been thinking about it, worrying about it and losing sleep over it. But finally you have made the decision. You are going to sell your home. It doesn’t matter what the reason is, selling your home is a big step. Besides the emotional element of parting from a home perhaps filled with memories, the physical stamina required to get the house in order can be daunting. But if done correctly and enthusiastically, ridding yourself of the clutter in your home can actually be enjoyable. Decluttering in preparation for its sale calls for organization, foresight and patience.
You need discipline and a game plan. The best way to declutter your home and get organized is to be systematic. Do one room at a time so the whole process doesn’t become too overwhelming. Stay with each room until it is complete. But don’t spend days on end cleaning out closets. Devote several hours each day to the task and it will get done in a timely fashion.
Work systematically room by room
Begin by tackling storage areas. Once they are cleared out, you will have room to store
those boxes you deem utterly necessary to keep. Be brutal on yourself. Is it necessary to keep it? Will it ever be used again? If it hasn’t been used or displayed in several years, it probably has little meaning to you and should be sold or donated to a good cause. If you haven’t worn that dress for four seasons, out it goes. If an item is meaningful to you, store it now to display in your new home. If you have items of sentimental value only for yourself like old baby items, sports trophies and family photographs, set aside boxes where you can save them.
Donate unwanted items to charity. Clothes, kitchen utensils, collections of any sort may have lost their value long ago but could be useful for needy adults and children. There is also a tax deduction for donations so get a bona fide receipt.
Prepare closet space
When cleaning out your closets, sort the clothes you wear the most from the ones you wish to keep for special occasions. Dresses and other attire that are out of season can be stored separately in a plastic vacuum-packed bag for future use. Those old-fashioned cedar wood blocks and cedar wood hangers are still useful today to prevent moths from eating away at your precious outfits.
Less is more when it comes to furnitureimages (1)
To make your rooms look larger, remove some of the furniture. Small tables that just collect dust or old cabinets with books that haven’t been read in years should be stored or given away. Organize bookshelves in an orderly fashion”small books on one shelf, larger ones on another. CDs and DVDs should be lined up accordingly. The less “stuff” in your home, the more spacious it will seem. Space is always at a premium so take advantage of what you have.
The kitchen is key
The kitchen is a story unto itself and it is important that you give it a clean, tidy appearance. Take everything out of the cupboards and throw away any outdated food items. Throw away storage containers that have no lids.
We all have a varied collection of kitchen gadgets that just use up space in a drawer.
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Get rid of the ones you don’t use. Hide small appliances like toasters and mixers inside your cabinets.
An uncluttered countertop gives a feeling of space. Remove personal pictures and magnets from your refrigerator and wipe down the exterior till it shines. Rearrange the pantry by food types”canned goods on one shelf, pastas on another, and so on.
Less stuff, less hassle for you
Remember that the less stuff there is in your home when you start painting and staging it, the less hassle there will be and the cleaner and more spacious your home will appear.
By Cina Coren

When is the “RIGHT” Time to sell your home?

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Timing the housing market to the moment when interest rates are low and buyer demand is high may seem ideal, but if everyone had the ability to see exactly when home values are at their peak, we’d all be millionaires.

The decision to sell your home should be based on a variety of factors that are both financial and emotional. While you should definitely pay attention to market conditions as part of your thought process—and those conditions will absolutely impact your home sale—you should always keep in mind that the choice to buy or sell a home is completely individual.

Reasons to Sell

Homeowners have a variety of reasons to sell their home at any given time. Some of the obvious reasons include an expanding family or a shrinking family that changes the amount of space you need; a job change or retirement to a different location; a local job change that impacts your commute; or a desire to move to a particular school district as your children get older.

In other cases, the reason to move can be purely financial: Your income has decreased, you’ve recently divorced and you need to live in a less costly home, or your income has significantly increased and you can now afford to live in a different neighborhood or a more expensive property.

How to Decide When to Put Your Home on the Market

Once you have made up your mind that you want to sell your home, you need to gather some information before you determine when to put it on the market.

First, find out your loan payoff amount so you have an accurate idea of what your sales proceeds will be after you’ve paid off all home loans and paid your closing costs, including the REALTOR®’s commissions.

Next, find out the recent sales price of comparable homes in your community. You will need to interview several REALTORS® and consult with them about current market conditions to estimate a listing price and how long it may take for your home to sell.

Many sellers opt to put their homes on the market in the spring because that’s when more buyers are looking, but you can choose to sell at any time of year. If your home attracts families and is in a sought-after school district, you are just as likely to get offers in the summer as in the spring because buyers want to settle in before school starts. On the other hand, if your home is located in a resort area or appeals to young professionals or empty-nesters, the school calendar is meaningless.

Prepare Your Home for Sale

An important element in determining when to list your home is its condition. You will need time to make repairs and improvements, to deep-clean your home, and to clear away many of your possessions.

If you have a large, disorganized home with overflowing closets and a garage with no space for a car, you may need weeks or months before you’re ready to put your home on the market.

It’s extremely important to recognize that today’s buyers have high expectations of your home’s condition, so don’t expect to be able to work on your home after it’s listed. Your home should be priced correctly and in prime condition on day one in order to sell quickly and for the best possible price.

For information on what you should do to prepare your home for “show ready” give me a call, I can help!

Naperville New Construction On the Rise again…

It doesn’t cost a person anything to have a Realtor represent them with new construction.

Yet, it could benefit you Immensely!

Call me today for more information. (630) 240-7407

Here is just 1 of the many builders offering new construction..

M/I Homes 11 new homes (1555 – 1910 sq.ft.)11229266

Mayfair offers new homes in Naperville. This DuPage County community features scenic park setting with quiet walking paths. Located near historic downtown Naperville, Mayfair offers new homes in Indian Prairie School District 204, near Cowlishaw Elementary, Hill Middle School, and Metea Valley High School. These new townhomes in Naperville have beautiful brick, stone and siding exteriors. Mayfair is a gated community that offers new homes with unique floorplans including large inviting living areas and garden basements. New homes in Naperville are convenient to downtown Naperville train station with easy access to I-88 and I-355. This Naperville area community has 100% ENERGY STAR Certified homes. M/I Homes in Chicago builds new homes with a 30-Year Structural Warranty. For help with your new home search near Naperville, contact us today for more details and find out why M/I Homes in Chicago is one of the leading home builders in Chicago.

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Did you Thanks a Vet? Be sure to! They do appreciate it!

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I want to thank ALL the Veteran’s Out There! 

You have made a difference in our country!

Thanks for your efforts, service and dedication! 

2 Nadelhoffer Ct Woodridge Open House! See you there!

 To tour this home click the address: 

2 NADELHOFFER CT

Not just a house; this is a home. Lovingly custom built; filled with love, laughter,beautiful memories. Enjoy your evenings, poolside on this oversized lot, 2 main floor master bedroom suites/private baths. Elevator leads to full finished basement, rec room w/Fireplace & wet bar- 2 more bedroom. To many extras to list. This home is waiting for you to add new memories! Great location, schools, shopping!

Welcome HOME

Not just a house; this is a home. Lovingly custom built; filled with love, laughter,beautiful memories. Enjoy your evenings, poolside on this oversized lot, 2 main floor master bedroom suites/private baths. Elevator leads to full finished basement, rec room w/Fireplace & wet bar- 2 more bedroom. To many extras to list. This home is waiting for you to add new memories! Great location, schools, shopping!Welcome HOME

609 Newman Ct. Romeoville Priced to Sell!

609 Newman Ct. Romeoville IL 60446

Priced to Sell!  Click for Tour on address:  609 Newman Ct Romeoville

 

Professional landscaping greets you to the brick archway!Enormous family room with sliding door leads to privately fenced lot, with brick paver patio. Large kitchen with all appliances. Very nice master bedroom suite with tray ceiling, private bath with whirlpool tub. It wouldn’t take much to finish the Rarely found FULL basement with 11 ft ceilings! This is a must see! This home has been well cared for. Don’t wait!DSC00055DSC00049 DSC00052DSC00074 DSC00078 DSC00079 DSC00087 DSC00088 DSC00093 DSC00101 DSC00102 DSC00110

 

http://tours.databasedads.com/2997286/609-Newman-Ct-Romeoville-IL

 

 

William Ryan Homes COMING…. If your interested in building a new home, let me know!

Village of Romeoville Press Release
 

William Ryan Homes
to Build in Romeoville

 

 

The Village of Romeoville has entered into a development agreement with William Ryan Homes, Inc. to develop 167 residential lots within the former Stone Bluff subdivision. The subdivision will now be called Renwick Place. Homesup to 3,200 square feet will be built.
“This is one of the last unfinished subdivisions in our community,” said Mayor Noak. “We are very excited to have William Ryan Homes coming in,” Noak added.

 

Construction on model homes is anticipated to begin in the next couple of months.

Village of Romeoville

1050 West Romeo Road
Romeoville, IL 60446
(815) 886-7200
www.romeoville.org
Village Board

Mayor
John D. Noak

Village Clerk
Dr. Bernice E. Holloway

Trustees
Linda Palmiter
Jose (Joe) Chavez
Brian A. Clancy Sr.
Dave Richards
Sue A. Micklevitz
Ken Griffin