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First Time Homebuyers: Chicago Western Suburbs, Glen Ellyn and Wheaton Illinois home buying, real estate listings, and homes for sale in DuPage County, IL

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORS® Are Your Professional Guides. Make Sure You Choose Top Experts.

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Chicago Western Suburbs, Glen Ellyn and Wheaton real estate experts, it's our job to guide you, from beginning to end.

We will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached.

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly...

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Closing or Settlement >The Settlement

The final stage of a home sale transaction is the time to tie up all the loose ends. The buyer and seller will sign the settlement sheet at the closing, detailing all of the charges that each party has incurred during the sale of the house. It is crucial to go over the sheet for accuracy and to make sure that you understand everything on it before you complete the transaction.

When a contract is negotiated, each side agrees how to divide the loan fees (or points), as well as the other closing charges, such as state or local taxes or escrow fees. Your real estate agent can go over the settlement sheet and help you compare it with your purchase agreement. The seller's charges usually include the brokerage fee, the mortgage payoff, and any charges involved in clearing the title, as well as pro-rated property taxes, payments for termite treatment and escrow for repairs that could not be completed by closing. The buyer's costs include charges for the loan and title searches, insurance and any other legal fees. A good closing officer will go over the settlement sheet line by line, explaining each item and correcting any misplaced charges.

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Q	What little-known folk remedy is said to help keep bats away from your home?
A	According to some rural homeowners, if you tar and feather a two-by-four board and place it in your yard, it will ward off bats!
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The Haas Team, REALTOR®, real estate agents and broker for Chicago Western Suburbs, Glen Ellyn and Wheaton Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

Stephen Haas
Koenig & Strey Real Living
550 Pennsylvania
Glen Ellyn, IL 60137
Cell Phone: 630.675.8400
Fax: 630-580-7347
Email: HaasTeam@HaasTeam.com
Email: SHaas@koenigstrey.com
The Haas Team are your NUMBER1EXPERTSä in DuPage and Kane counties. With Stephen Haas as your REALTOR you will get someone who is both committed to your needs and focused on your goals. Ranked in the top 1% nationally of all REALTORS, Stephen Haas is an Accredited Buyer Representatives (ABR) and Shortsale Foreclosure Certified. You can count on Stephen as your trusted advisor and skilled negotiator. Let Stephen help you find the home of your dreams!

www.westernsuburbsonline.com is brought to you by The Haas Team
NUMBER1EXPERTS™ in real estate for Chicago Western Suburbs, Glen Ellyn and Wheaton, Illinois

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