Mino Scivittaro NMLS # 227820

6506 Briargate Dr, Downers Grove, IL 60516 - MLS 11611479 - Coldwell Banker For Sale - 6506 Briargate Dr, Downers Grove, IL - $399,000. View details, map and photos of this single family property with 3 bedrooms and 2 total baths. MLS # 11611479.

3434 Arden Ave, Brookfield, IL 60513 - MLS 11964871 - Coldwell Banker For Sale - 3434 Arden Ave, Brookfield, IL - $624,000. View details, map and photos of this multi-family property with 9 bedrooms and 3 total baths. MLS # 11964871.

RENTAL OPPORTUNITY!

2201 Maple Hill Ct, Downers Grove~$3,850/month~ INTERIOR PICTURES TO COME! This impressive 3 Bed 2.5 bath with 2 car garage townhome was built with exceptional quality in 2018 and offers an abundance of space & natural light. Inside, you'll discover a thoughtfully designed interior with 9-foot ceilings throughout, granite countertops, stainless steel appliances, and luxurious bathrooms that will make you feel pampered. The well-planned floorplan allows for plenty of natural light to fill the space, creating a warm and inviting atmosphere. Each bedroom comes equipped with spacious closets, providing ample storage. The finished basement adds extra living space giving you even more room to spread out. Don't miss out on the opportunity to experience this remarkable home firsthand. Showings start Friday, 4/5. Contact Sara Hassan at (630) 885-9608

The Ultimate Do’s & Dont’s Dance! 🏠 Let’s groove to the rhythm of wise decisions with these tips:

✅ Do Get Pre-Approved: Before you start house hunting, get pre-approved for a mortgage. It not only strengthens your offer but also gives you a clear idea of your budget and what you can comfortably afford. 💰💼

🚫 Don’t Overspend: Stick to your budget like a boss! Avoid the temptation to stretch your finances too thin. Remember, finding a home you love within your means is a victory in itself

Set Clear Goals: Define your desired home type, location, and costs, breaking them into manageable milestones.

Create a Budget: Assess your finances, cut unnecessary expenses, and allocate a portion to your home savings.

Open a Dedicated Savings Account: Separate your home funds from regular finances in an account with good interest rates.

Automate Savings: Set up regular transfers from your checking to your savings account to stay on track. Consider increasing contributions as your income grows.

If you're looking for ways to give your credit a quick boost before the upcoming credit bureau reporting cycle, check out the following quick tips to get started.

1. Lower credit card balances: Keep them under 30% of your credit limit.

2. Be added as an authorized user on an account with good credit.

3. Payoff any outstanding collection accounts and request to have them deleted.

Many methods exist to enhance your credit, but these are just a few rapid options for those seeking quick results.

Shopping for the perfect mortgage can sometimes appear to be a challenging task. One common misconception is that you must always opt for the lowest rate.

Additional factors, such as loan duration, closing expenses, and lender fees, equally play a significant role in influencing the total cost of your mortgage.

1️⃣ Financial Assistance: Down Payment Assistance Programs offer financial support, either through grants, financial aid, or low-interest loans, to bridge the financial gap between your savings and the required down payment.

2️⃣ Qualification Criteria: Each program sets specific prerequisites, such as income thresholds, credit score requirements, and property location criteria. It's essential to conduct thorough research to identify the program that aligns with your individual circumstances.

3️⃣ Program Diversity: A wide array of programs is at your disposal, ranging from state, local, and nonprofit options. Explore the various programs to find the one that best suits your particular situation.

4️⃣ Repayment Conditions: Depending on the specific program, some assistance may be forgiven, while others may necessitate repayment over time. It's crucial to comprehend the terms and conditions thoroughly before making a decision.

So....yes, they do exist. Contact me for more information.

1️⃣ Financial Assistance: Down Payment Assistance Programs offer financial support, either through grants, financial aid, or low-interest loans, to bridge the financial gap between your savings and the required down payment.

2️⃣ Qualification Criteria: Each program sets specific prerequisites, such as income thresholds, credit score requirements, and property location criteria. It's essential to conduct thorough research to identify the program that aligns with your individual circumstances.

3️⃣ Program Diversity: A wide array of programs is at your disposal, ranging from state, local, and nonprofit options. Explore the various programs to find the one that best suits your particular situation.

4️⃣ Repayment Conditions: Depending on the specific program, some assistance may be forgiven, while others may necessitate repayment over time. It's crucial to comprehend the terms and conditions thoroughly before making a decision.

So.....yes, they do exist. Feel free to contact me for more info.

So, let’s break it down and figure out if it’s time for you to take the plunge into homeownership

Affordability: Can you afford the upfront costs of buying, such as a down payment and closing costs?
Monthly expenses: Does the monthly cost of owning a home, including mortgage payments, insurance, property taxes, and maintenance, cost less than your current rent?
Location: Is the area you want to live in appreciating in value, or are home values expected to decline?
Lifestyle: Do you want the stability and long-term benefits of owning a home, or do you prefer the flexibility of renting?
Length of stay: Do you plan to stay in the same location for several years, or are you likely to move in the near future?Evaluate these factors to determine if buying or renting is the best option for your current situation…Remember that home is where the heart is, so make it a place you love. ❤️🏡💰
……

Your credit score is crucial when buying a home, but not the only factor. Lenders also consider:

Credit score (620+ is good).
Debt-to-income ratio (lower is better).
Employment history (stability matters).
Down payment (helps offset credit issues).
Remember, it's just one piece of the puzzle. If your score isn't there yet, focus on improving your finances and employment stability to reach your homeownership goal. 🏡💰💪

Your credit score is crucial when buying a home, but not the only factor. Lenders also consider:
Credit score (620+ is good).
Debt-to-income ratio (lower is better).
Employment history (stability matters).
Down payment (helps offset credit issues).
Remember, it's just one piece of the puzzle. If your score isn't there yet, focus on improving your finances and employment stability to reach your homeownership goal. 🏡💰💪

The choice between a perfect house and a perfect rate is a tough one, but I believe the perfect house holds more importance. If you can comfortably afford the payments now, you can always refinance in the future when interest rates become more favorable.

Happy Father’s day to all the amazing dads out there! 💙

“Never in the field of human conflict was so much owed by so many to so few.” - Winston Churchill
This Memorial Day, we pause to pay tribute to the brave men and women who made the ultimate sacrifice for our freedom. Let us forever cherish their memory and express our deepest gratitude.

Today, we stand united in remembrance. 🇺🇸

Happy Mother’s day to all of the amazing moms out there! 🌸

¡Feliz Cinco de Mayo! 🇲🇽

Happy St. Patrick’s Day! 🍀

Happy Thanksgiving! 🍁🦃

"As we express our gratitude, we must never forget that the highest appreciation is not to utter words, but to live by them." - John F. Kennedy

Honoring all who served. 🇺🇸

Don’t forget, if you’re renting you are paying someone else’s mortgage! Oh, and also there’s a time change on Sunday or something…

Please message me for any mortgage related questions! 🕰🏡