How To Handle Common Homeowner Challenges

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by Kurt Clements It takes hard work to achieve the American Dream of homeownership in Chicago. Everyday people work to save for a down payment and build a good credit score. When you turn the key to your first home or dream home, the sweat equity feels well worth it. But the hard work of buying a home continues long after …

Conventional mortgage rate

4 Things You Should Know About Conventional Mortgage Rates

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By Kurt Clements Securing the best conventional mortgage rate possible can pose a challenge for even veteran property buyers. Your mortgage rate will be determined by a variety of factors that pertain to your unique financial portfolio as well as economic forces. While no one has full control over all of the things that influence the process, understanding the manageable aspects …

Long-Distance House Hunting Tips

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House hunting is stressful enough even if you are moving to another part of town. However, when you are searching for a house from afar, it can make the task of finding the right home for your needs seem almost impossible.  As a Realtor in the South Side of Chicago I always want to help clients moving in understand the …

Home Trends – Mindfulness

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Home Trends Includes Natural Mindfulness Designs by Kurt Clements Urban and suburban life offers wonderful conveniences and cultural benefits. But a downside that many families are experiencing is the pervasive use of electronics and disconnectedness from nature. We forget to include mindfulness as an option when looking for a home to purchase. This is also true for my South Side Chicago …

Home Buying: Repair Requests After A Home Inspection

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The perfect home has been found, the one in the right neighborhood with the right amount of bedrooms and bathrooms. The home inspection is complete, but a few issues have been found. At this point, a home buyer has decisions to make. RELATED ARTICLES: Chicago Home Buyer? Don’t Make These 3 Common Mistakes! What Repair Requests Can Be Made After a …

Buying A New Construction Home In Chicago Area Suburbs

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Buying a new home is exciting. Buying a brand new home can be even more so with the realization of being the first owner and possibly being able to choose your own layout and finishes. The prospect of owning a new construction home in Chicago area suburbs is definitely exciting, but it does come without its own set of questions. …

Should You Get Pre-Qualified Or Pre-Approved For Your New Chicago Home Purchase?

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Often times, home buyers can be disappointed when they find their hopeful Chicago home only to discover they are not able to get a mortgage to purchase the property. There are methods that potential buyers can use to ensure this does not happen to them. One of the options is to ensure you obtain a pre-qualification from your lender. It …

Credit or Income – Which Is More Important?

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We often get asked the question ” Which is more important: credit or income?” Our answer is always the same, “both are equally important”. According to Well’s Fargo, there are 5 important factors which qualifies you to purchase. They call is the 5 C’s of mortgage lending. Credit, capacity, collateral, capital, and conditions. In this article, we will give you …