Homeownership

Are You Struggling To Pay Your Mortgage?

Those who are struggling with paying a mortgage have options.

Recently, I've started getting questions about being late on mortgage payments and whether you need to sell your house.

There's a lot of fear around this because people have been in forbearance for quite some time, and all of a sudden, they're now forced to come up with the money despite their situation not having changed. If you or somebody you know is behind on payments, I have options for helping those who are struggling to pay their mortgage. I’m happy to discuss and walk you through all your options so you can make the best decision.

If this doesn’t apply to you, please pass this information on to somebody who may need it. If you have any questions, please give me a call. I look forward to hearing from you.

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Understanding Illinois Transfer Taxes

Transfer tax amounts and who pays them vary based on location.

Today I’ll talk about closing costs, particularly transfer tax. When you sell a property in Illinois, you will have a state transfer tax of $0.50 per $500 of the sales price. Every county in Illinois also charges you $0.25 for every $500 of the sale price sales price. Some villages will also charge you.

80% of the time, these transfer taxes are paid by the seller. If you’re a buyer, be prepared to face the uncommon situation where you’ll need to pay instead. For example, Harwood Heights charges the buyer $10 per $1,000 of the sales price as a transfer tax while Cicero charges the sellers that same amount. Chicago actually charges both parties.

If you're interested, I have a list of transfer tax charges by location, and I’m happy to send that to you. If you have any questions, don’t hesitate to call or email me. I look forward to hearing from you.

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7 Helpful Fall Home Maintenance Tips


By completing a few simple tasks, you can get your home ready for winter
and prevent a lot of future maintenance costs.

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Fall is here and winter is right around the corner. What should you be doing right now in order to prepare your home? Here’s what I recommend:

1. Seal the cracks. If you have any cracks in your foundation, driveway, or windows, this can create huge problems down the road. Consider having those handled before it gets too cold.

2. Paint your exterior woodwork. This is another place where moisture can get in during the winter and cause rot.

3. Remove your hoses from outdoor spigots.

4. Check your carbon monoxide and smoke detectors. Make sure those batteries are switched out, too.


Any cracks in your driveway or foundation...