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We are NOT www.Watered-Down-Property-Spec-Sheets.com
-View Sample Full Display Sheet-
If You Are Wanting The Most Detailed Information On An ALTON Home, You Have Clicked On The Right Web Site...
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Choose An Agent, Then Choose A House... Not The Other
Way Around.
Most People Don't Like Pushy Sales People, So They Avoid
Working With An Agent Until They Find A House. Then They
Work With The Agent Connected With That House. The Right
House Purchased Through The Wrong Agent Can Cost You. There
Are A lot Of Incompetent And / Or Un-Ethical Agents Out
There & Out For Themselves... (More)... |
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Most real estate contracts require the buyer include a pre-approval letter with your offer to
purchase...
On-Line Internet Lending:
I am not a fan of On-Line Lending... From what I have seen, it's nothing but Bad News. They could hit you with excessive junk fees, your loan officer is located across the continent, when there is a problem... Good luck. They might promise you a good rate, but in the end, you will pay dearly and you'll here several excuses why you were not qualified to get that good rate in the end when it's too late. Because they know you have signed a legal binding contract to buy a house and you can't back out & lose it. (More)..
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Summary Of The Process:
1. Prequalification
2. Purchase a Home.
3. Apply For Your Loan
4. The Processing Of Your Loan Application
5. Appraising Your Home
6. Underwriting
7. Closing
1. Prequalification-
Prequalification is the term used to explain the short mathematical equation that determines how much of a loan you can afford. (More)...
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The first place most people start would be in various printed
publications such as newspapers & home magazines.
The problem I have always had with newspaper ads is they are usually two weeks behind. Some Real estate offices have this down to an art, they will put out a full page ad with color pictures, give a poetic description, no address, maybe 3 lines of text and the office phone number.
Suddenly after you called you find out the agent working
the floor call sometimes cares more about getting your information
than giving you information which you requested. (More)...
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Touring Alton Real Estate
I will help you look out for the following list
below. You will be looking to see if you want
to live there, I cannot make that decision, nor
will I, you'll have to let me know... I am
concerned about condition & functionality.
(I Am NOT A Home Inspector, Although I've Been Around For A Long Time, And Can Help You... But, Get A HOME INSPECTION.)
1. Stand from the house you are considering.
Look at roof, gutters, condition of trees,
houses on both sides, Garage door. (More)...
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Alton Is A Safe Place To Live, But You Will Find Registered Offenders
Within Alton City Limits. (More)... |
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A few years ago, I was watching Barbara Walters on her
television show 20 / 20. They were doing a show on Home Inspectors & Real Estate Agents located on the East coast.
I was all to familiar with what they were reporting & covering, I
have seen the same situation going on here.
Here's the story...
Home inspectors for the most part rely on real estate agents to
send them business. Unless you look in the phone book to find your own, you'll use the inspector recommended by your agent. (More)...
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Tax Exemptions
When you are browsing the Homes For Sale on this web site, & looking at the spec
sheets, look down just about the "remarks section". There you'll see the amount
of County Taxes along with the recorded Exemptions associated with that property.
Remember, the tax amount divided by 12 is added to your monthly payment.
Depending on which Exemption is attached to the property you buy can either
raise the taxes or lower the taxes after you buy. (More)... |
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This is a touchy subject to address. I really don't want
to discourage you as a buyer from pursuing a FSBO (For Sale By Owner).
I also do not want to see a FSBO take advantage of you.
I have assisted buyers purchase FSBO's in the past successfully, with my
"win-win" style of negotiating. One problem you'll encounter is you may
be dealing with an "Aggressive Negotiator"
In other words, the only
negotiating the seller has ever experienced in
is purchasing a new car
at a dealership. That's how you'll be treated... (More)...
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We Can Email Restrictions For The Subdivision You Are Considering Purchasing.
(Include MLS# or Address or Name of Subdivision)
e-mail your request
Some people I have worked with really Flip-Out when they find out
about the control the "Homeowners Association" has on their home &
grounds.
It's really a smaller form of Government, our real estate is subject to:
Federal law / State law / County Law / City Ordinances and finally
Deed Restrictions... (More)...
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Below is an example of a typical plat in a local subdivision.
Why not look at a lot layout before you purchase?
Most people never see how their boundaries run.
You can have a plat Email to you for free... (More)...
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ear-nest
1. serious and intense; not joking or playful; zealous and sincere.
2. not petty or trivial; important.
3. money given as a part payment and pledge in binding a bargain:
in full earnest money.
4. something given or done as an indication or assurance of what
is to come; token. (More)... |
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An offer to purchase consists of much more than
throwing a number on the table. There are several
components that make up a solid and successful
contract that will not only protect you during the
pending status, but will make the transaction go smooth
until & after the closing date. (More)... |
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One dictionary says that negotiation is:
"To discuss with a view to
reaching an agreement"
Negotiation is the ability to change the opinions of others through
a climate of Favor; instead of Force...
It takes tact, not tyranny, honey, not vinegar... A cool head will get
you ahead... The person with the ego loses. (More)... |
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You have just spent the last several weeks if not months looking for
the right house, done some shopping in regards to Financing. You made
an offer on a house and experience successful negotiation with a seller.
You now have an ACCEPTED contract...
You have moved into a further-phase of the home buying process.
You are a party to a Legally Binding Contract. (More)... |
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| Termites eat wood. In their natural state, they eat fallen logs and stumps off the forest floor. But on your property, they can eat away the equity you have built up in your home and property. Termites infest millions of homes nationwide, causing over $750 million in damage annually, according to the United States Department of Agriculture. (More)... |
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The Day You Go To Closing
You have been through shopping & touring properties,
Have an accepted contract, conducted all the inspections,
went through the loan process & obtained approval... Now it's time for CLOSING. (More)... |
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| Although there is some debate about exact dates, Alton is generally credited as being the third-oldest town in the state of Illinois. Due in part to a strong Native American population that had thrived in the area — especially 20 miles southwest, around Cahokia — some of the first European settlers to forge through the Illinois prairies halted their westward journeys in this region. In 1805 (More).. |
