Christi Kavooras - Key Mortgage

Thank you for choosing Key Mortgage! Tracy Cox, Real Estate Agent, Baird & Warner and Christi Kavooras - Key Mortgage

House hunting? Don’t forget your checklist! ? Getting preapproved is the first thing you’ll need to check off your list. Get in touch with me to get the process started! ?

I know one of the major obstacles to homeownership is saving up for a downpayment. For low-income and first-time homebuyers, it can be especially difficult — our Key Mortgage ONE+ mortgage option makes it a little easier. Count on me to provide additional information!

When you get a free, no–strings-attached loan consultation with me through September 30, 2023, I will see if we can offer you better loan terms or rate and you will get $250. Count on me to help you find the best loan option for you.

The IHDA Opening Doors program might be the boost you need to buy a home! This option offers lower than market interest rates and up to $6,000 in downpayment or closing cost assistance. Let’s talk today to figure out if you qualify.

Meet Christi, our exceptional loan officer with nearly 30 years of experience at Baird & Warner - Naperville

If you're feeling intimidated by the current interest rate of 6.5%, don't worry! We understand that borrowing money can be a daunting prospect, but with Christi's expert guidance, we'll help you become a homeowner and show you how to refinance when the rates go down. 📉

We're here to support you on your real estate journey and make it as smooth and stress-free as possible. 😍

So don't hesitate to contact us today and take the first step towards your dream home! 🏡❤️

Miné Beevis | Broker | Baird and Warner
☎️: 331.980.2642
✉️: [email protected]
🌐: minebeevis.com

Christi Kavooras | Loan officer | Key Mortgage
☎️: 630.430.5388
✉️: [email protected]
🌐: mykeymortgage.com/christi-kavooras

If you're in the market for a new house, you've probably heard the word "contingency". 🤔

Contingencies are contract details that need to be satisfied before closing. ✅

Examples include:

🔎 A home inspection
🔎 That your current house sells within a certain timeframe
🔎 Receiving your mortgage loan by a certain date

These contingencies will be negotiated between the seller and your real estate team, so be sure to make your needs and concerns known!

Ready to learn more? Let's talk. 🏡🔑

Christi Kavooras | Key Mortgage Services
📞 (630) 430-5388
💻[email protected]
🌐www.mykeymortgage.com/christi-kavooras
NMLS # 1011180
Apply for a mortgage now → https://apply.mykeymortgage.com/ #/milestones?referrerId=christi.kavooras%40mykeymortgage.com

Still renting? 🏡💸

If the thought of paying a mortgage overwhelms you, it shouldn’t! You’re already paying for a mortgage - just not your own.

Paying rent each month that goes toward your landlord’s mortgage and their equity and profit leaves you with rising payments and few benefits.

Homeownership is more attainable than you might think. Let’s talk about your options! I can help you steer in the right direction. 🔑

Christi Kavooras | Key Mortgage Services
📞 (630) 430-5388
💻[email protected]
🌐www.mykeymortgage.com/christi-kavooras
NMLS # 1011180
Apply for a mortgage now → https://apply.mykeymortgage.com/ #/milestones?referrerId=christi.kavooras%40mykeymortgage.com

The home appraisal is a critical step in ensuring you can get the mortgage you need. But do you know what really happens in an appraisal? 🔎

Key Mortgage's ValuePro appraisal management program connects you with a local, fully compliant appraiser who’s an expert in your community. ✔️

Want to know what to expect from your appraisal? Get in touch today!

Christi Kavooras | Key Mortgage Services
📞 (630) 430-5388
💻[email protected]
🌐www.mykeymortgage.com/christi-kavooras
NMLS # 1011180
Apply for a mortgage now → https://apply.mykeymortgage.com/ #/milestones?referrerId=christi.kavooras%40mykeymortgage.com

You'd be surprised at how many people don't get pre-approved before they begin their home search!

Getting pre-approved means:

1. You'll know your price range prior to shopping.
2. Your buying process will be faster and more convenient!
3. You'll be better equipped to make an offer on "the one".

Need help in getting pre-approval? 🏡

Shoot over a DM to be one step ahead. 📲🔑

Christi Kavooras | Key Mortgage Services
📞 (630) 430-5388
💻[email protected]
🌐www.mykeymortgage.com/christi-kavooras
NMLS # 1011180
Apply for a mortgage now → https://apply.mykeymortgage.com/ #/milestones?referrerId=christi.kavooras%40mykeymortgage.com

Buying a home can be difficult in today's market when you're on a budget. 🏡💲

Fixer-uppers are a great alternative to a newer home since they have less competition, more options to customize, and you're in control of choosing who you hire to make renovations. ✅

If you're unsure if a fixer-upper would work for your budget, I'm here to help guide you! Let's talk. 🔑

Christi Kavooras | Key Mortgage Services
📞 (630) 430-5388
💻[email protected]
🌐www.mykeymortgage.com/christi-kavooras
NMLS # 1011180
Apply for a mortgage now → https://apply.mykeymortgage.com/ #/milestones?referrerId=christi.kavooras%40mykeymortgage.com

Color is having a moment in interior design trends!

Although neutrals are never truly dead, consumers are seeking homes that better evoke personality after years of minimalism. 🏡✨

Ultimately, the selection of color palettes is highly personal; there are no rules for what works and what doesn't.

Here are some tips to help you get started:
✅ Start with a few colors that you like.
✅ Consider how the colors will work together in different rooms.
✅ Don't be afraid to mix bold colors with neutral ones!

Make sure you save this post so you’ll have it handy when you start designing your home! 📌

Christi Kavooras | Key Mortgage Services
📞 (630) 430-5388
💻[email protected]
🌐www.mykeymortgage.com/christi-kavooras
NMLS # 1011180
Apply for a mortgage now → https://apply.mykeymortgage.com/ #/milestones?referrerId=christi.kavooras%40mykeymortgage.com

The market has shifted and we’re seeing two things happening:

💡Sellers don’t want to lower their price.
💡Buyers don’t want to pay full price.

Fortunately, Key Mortgage has a solution for both.

Buydown Credits are a creative option for buyers to buy down their interest rate without asking for the seller to lower the sale price of their home.

Purchasing buydown credits lowers your interest rate as a buyer, making your mortgage more affordable! 🔑

Long to own a home but aren't sure where you stand financially? Let’s talk about it!

Christi Kavooras | Key Mortgage Services
📞 (630) 430-5388
💻[email protected]
🌐www.mykeymortgage.com/christi-kavooras
NMLS # 1011180
Apply for a mortgage now → https://apply.mykeymortgage.com/ #/milestones?referrerId=christi.kavooras%40mykeymortgage.com

Great news! Key Mortgage is offering 2/1 Temporary Subsidized Buydowns for its clients. 💡

What is this? 🤔
A temporary subsidized buydown, agreed with the sellers in your contract, provides temporary payment assistance for the first two years. 🏡💲

Your rate would be 2% lower in the first year, 1% lower in the second year, and back to your locked-in rate for the duration of your loan in the third year.

To learn more about buydowns and to see if this is a smart move for you, get in touch with me! 📞

Christi Kavooras | Key Mortgage Services
📞 (630) 430-5388
💻[email protected]
🌐www.mykeymortgage.com/christi-kavooras
NMLS # 1011180
Apply for a mortgage now → https://apply.mykeymortgage.com/ #/milestones?referrerId=christi.kavooras%40mykeymortgage.com

Buying a home and need to close FAST?
Key Mortgage has your back. 🏡🙌

With our direct underwriting process, KeyExpress, take your loan directly to the underwriting stage!

KeyExpress launched this past June and has helped me shave 4 days off my clients’ closings. Spending ⅓ of the normal time on a file is a game changer and allows my clients to get to their final closing faster! 🔑

Planning to buy? Let’s talk about your options and get you pre-approved for house hunting.

Christi Kavooras | Key Mortgage Services
📞 (630) 430-5388
💻[email protected]
🌐www.mykeymortgage.com/christi-kavooras
NMLS # 1011180
Apply for a mortgage now → https://apply.mykeymortgage.com/ #/milestones?referrerId=christi.kavooras%40mykeymortgage.com

Are you looking for a lender that works nights and weekends?

You’re in luck. I am such a “night owl” and have always loved working when the sun’s down. 💻🌇

I've got the experience and skills to make the process of getting your loan as smooth as possible.✔️

Contact me and let me know how I can help! 📲

Christi Kavooras | Key Mortgage Services
📞 (630) 430-5388
💻[email protected]
🌐www.mykeymortgage.com/christi-kavooras
NMLS # 1011180

Apply for a mortgage now → https://apply.mykeymortgage.com/ #/milestones?referrerId=christi.kavooras%40mykeymortgage.com

Home Maintenance Tip! 🏡
Do your windows need replacing?

What to look for:

1️⃣ Any noticeable damage
2️⃣ Condensation inside
3️⃣ Lack of noise and/or draft buffering

How old are your windows?🤔

I have a long list of vendors that are perfect for all your winter home maintenance tasks.

Contact me today for more information!

Christi Kavooras | Key Mortgage Services
📞 (630) 430-5388
💻[email protected]
🌐www.mykeymortgage.com/christi-kavooras
NMLS # 1011180
Apply for a mortgage now → https://apply.mykeymortgage.com/ #/milestones?referrerId=christi.kavooras%40mykeymortgage.com

Wishing you and yours a safe, healthy, and prosperous new year! 🥂✨

What are your goals for 2023? Share them with me in the comments!

Here are four reasons why putting 20% is a great option if it works within your budget. 🏡💲

🔑 Your Interest Rate May Be Lower:
A 20% down payment vs. a 3-5% down payment shows your lender you’re more financially stable and not a large credit risk. The more confident your lender is in your credit score and your ability to pay your loan, the lower the mortgage interest rate they’ll likely be willing to give you.

🔑 You’ll End Up Paying Less for Your Home:
The larger your down payment, the smaller your loan amount will be for your mortgage. Because you’ll avoid higher accrued interest, this will end up costing you less over the lifetime of your home loan.

🔑 Your Offer Will Stand Out in a Competitive Market:
In a market where many buyers are competing for the same home, sellers often accept the most attractive offer.

Planning to buy? Let's talk! I'll get you set up for home buying the right way with a pre-approval. ✅

Christi Kavooras | Key Mortgage Services
📞 (630) 430-5388
💻[email protected]
🌐https://fal.cn/3uNqa
NMLS # 1011180
Apply for a mortgage now → https://apply.mykeymortgage.com/ #/milestones?referrerId=christi.kavooras%40mykeymortgage.com

House hunting? 🏡🔎

DO:
Get pre-approved.
DON’T:
Tour homes over your budget.

Getting pre-approved means you know what you can afford! Skipping this step can lead to getting emotionally attached to a home you can’t comfortably pay for each month.

Not sure where you stand financially? I can get you ready for viewing homes, and I can help you find the right ones for you based on your specific wants and needs. 🔑

Let’s talk about it! 📲

Christi Kavooras | Key Mortgage Services
📞 (630) 430-5388
💻[email protected]
🌐www.mykeymortgage.com/christi-kavooras
NMLS # 1011180
Apply for a mortgage now → https://apply.mykeymortgage.com/ #/milestones?referrerId=christi.kavooras%40mykeymortgage.com

When you're house shopping, one of the first things you'll consider is how big the home needs to be.💡🏡

Factors like style, layout, and amount of storage in the home will make a big difference, too!

If you're weighing your options or need help deciphering your wants vs needs for your next home, let's talk about it! 🔑

Christi Kavooras | Key Mortgage Services
📞 (630) 430-5388
💻[email protected]
🌐www.mykeymortgage.com/christi-kavooras
NMLS # 1011180
Apply for a mortgage now → https://apply.mykeymortgage.com/ #/milestones?referrerId=christi.kavooras%40mykeymortgage.com

Beat the winter blues with a visit to the Indoor Farmer's Market of Batavia on Saturdays! 🍅🥬

Open from 9 AM to 12 PM, the market features a variety of goods that are perfect for the season and serves as a reminder of all the beautiful farmer's markets we wait for every summer!☀️

This is a great opportunity to get some fresh fruits, veggies, and flowers and support local farmers.🧑‍🌾

Christi Kavooras | Key Mortgage Services
📞 (630) 430-5388
💻[email protected]
🌐www.mykeymortgage.com/christi-kavooras
NMLS # 1011180
Apply for a mortgage now → https://apply.mykeymortgage.com/ #/milestones?referrerId=christi.kavooras%40mykeymortgage.com

While the spring market is usually hot, you don’t want to wait to buy your home. Why? 🤔

For starters, interest rates are never guaranteed to go down in the future. Rates today are not what we've seen the past few years, but they're still historically low!

Lenders today are offering more programs than ever before to make homebuying attainable, like 2/1 buydowns and refinancing options if the rates were to drop.💡

Don’t gamble with such an important life decision!

Let’s connect today to see what options you currently have to make the best INFORMED decision. 🔑🏡

Christi Kavooras | Key Mortgage Services
📞 (630) 430-5388
💻[email protected]
🌐www.mykeymortgage.com/christi-kavooras
NMLS # 1011180
Apply for a mortgage now → https://apply.mykeymortgage.com/ #/milestones?referrerId=christi.kavooras%40mykeymortgage.com

Sending you my warmest hopes for the holidays.

May you enjoy health and happiness throughout the coming year! ✨

Mortgage pre-approval can help your offer stand out, narrow your home search, and help you get into your new home faster. 🏡✅

But how does the process work? Read more about the 5 things you need to be pre-approved for a home loan:
https://www.investopedia.com/financial-edge/0411/5-things-you-need-to-be-pre-approved-for-a-mortgage.aspx

True or False?
If you owe on student loans, you can’t purchase a home.

False! ❌

There are more options for financing a mortgage than ever before. Homeownership is more attainable than you might think.

I can find the financing solution right for your specific needs. 🏡🙌

Let’s talk about your unique circumstances.
Give me a call; I’ll bring the coffee! 📲

Christi Kavooras | Key Mortgage Services
📞 (630) 430-5388
💻[email protected]
🌐www.mykeymortgage.com/christi-kavooras
NMLS # 1011180
Apply for a mortgage now → https://apply.mykeymortgage.com/ #/milestones?referrerId=christi.kavooras%40mykeymortgage.com

Interest rates are crazy right now!📈

With all the ups and downs of interest rates in today’s market, it’s in your best interest to update your pre-approval every week to make sure you are getting the best rate possible.✔️

I can be the perfect resource for timely info about all the fluctuations in the market. Contact me so we can update your pre-approval today! 🔑

Christi Kavooras | Key Mortgage Services
📞 (630) 430-5388
💻[email protected]
🌐www.mykeymortgage.com/christi-kavooras
NMLS # 1011180
Apply for a mortgage now → https://apply.mykeymortgage.com/ #/milestones?referrerId=christi.kavooras%40mykeymortgage.com