REAL ESTATE RESOURCES

BUYERS

Buying Chicago Real Estate? Check out these tips.

BEFORE YOU SHOP

Learn the financing basics, check your credit rating. Research home loans and competitive rates. I work with several top local mortgage brokers with years of South Loop experience that reliably deliver competitive rates, plus get the job done, all the way to closing.

Know what you want.   Ask yourself what you’re looking for in a home before you shop. I can provide a thorough market analysis for you that will greatly assist you in obtaining an understanding of local market prices.

Keep your debt load to a minimum. Don’t make major purchases or incur any additional debt until after your purchase. Pay down credit cards and don’t apply for new ones.

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Banks evaluate your financial situation using gross monthly income, your total monthly housing costs should not exceed 28 percent of your gross monthly income. Be prepared to view new properties quickly. Sometimes homes sell quickly so be ready to make fast decisions. Be accessible to change the terms.

COSTS TO EXPECT

Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.

Third-party fees include charges for insurance, title search, lawyer and inspections.

Government fees include Chicago transfer taxes, deed recording and Chicago/Cook County fees.

BEFORE YOU BUY

Submit a strong competitive offer. 

Include a substantial earnest money deposit. Sometimes offers are accepted based on the amount of the earnest deposit.

Minimize contingencies. Fewer contingencies mean a stronger offer.

Hire an inspector, I work with several that specialize in the South Loop.

Your contract should be very specific about which items (appliances, etc.) are included in the sale.

Get agreements in writing. Make certain verbal agreements are written into the final contract to avoid any expensive issues later.

While all of these tactics and strategies may seem easy, it should be noted that a certain percentage of real estate transactions fail. Choosing a South Loop local expert with 15+ years of experience to minimize that risk & deliver you the home best suited to your needs and desires!

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Phone

Office: (312) 663-6035
Cell: (312) 343-6035

Address

1404 S Plymouth Court
Chicago, IL 60605