Tag Archives: Belleville il real estate for sale
4 Dec

Few people can buy a home for cash. According to the National Association of REALTORS® (NAR), nearly nine out of 10 buyers of Belleville IL homes finance their purchase, which means that nearly all buyers — especially first-time purchasers — require a loan.  The real issue with real estate financing is not getting a loan (almost anyone mortgagewilling to pay lofty interest rates can find a mortgage). Instead, the idea is to get the loan that’s right for you — the mortgage with the lowest cost and best terms.

Realtors routinely urge prospective buyers to get pre-approved for a loan before they even begin looking at Belleville IL homes. They also stress the importance of obtaining a letter of pre-approval rather than of pre-qualification.  Although many homebuyers use these two terms interchangeably, there are significant differences between the two.  Simply stated, pre-qualification lets sellers know that a prospective buyer of their Belleville IL home is likely to qualify for a loan, whereas pre-approval, although not an absolute guarantee, indicates that a loan officer has determined a borrower is credit-worthy and financially able to qualify for a certain loan.

The advantages of searching for a Belleville IL home with evidence of pre-approval in hand are many.  In essence, they include the following:

  • Mortgage preapproval is going to tell you exactly how much money you can borrow. This way, you will know how much your mortgage payment is going to be ahead of time.
  • You won’t waste time (or be sorely disappointed) by looking at houses you can’t afford.
  • Sellers and Realtors will take you seriously.  They are much more comfortable with the certainty that you can obtain a loan (and that the deal won’t fall through), and thus may be more willing to negotiate.
  • Once you find a home, the mortgage process can proceed more quickly because your lender will already have.

Although lender requirements for pre-approval may vary somewhat, be prepared to supply the following information:

  • Purchase Agreement
  • Social Security Number and Date of Birth
  • W-2/1040 Forms
  • Recent pay stubs
  • Bank account statements
  • Credit card statements
  • Debts and liabilities
  • Mortgage or rental histories
  • Investment properties
  • Employers
  • Asset statements
  • Personal property
  • Current and previous statements

Supplying all this information may seem like a time-consuming process, but in the end of your house-hunting journey, you’ll be glad you did it!

Search all Belleville IL Real Estate And Homes For Sale.

Holly Norton offers unparalleled service in the Belleville IL real estate market. Holly assists buyers looking for Belleville IL real estate for sale and aggressively markets Belleville homes for sale. Holly serves the entire Saint Clair County Illinois real estate market including the surrounding communities such as Fairview Heights, Belleville, Swansea, Shiloh, O’Fallon, Freeburg, Smithton, Mascoutah and Millstdat area.

 

 

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Saint Clair County, IL Real Estate For Sale:7701 Baxter Drive Belleville, IL 62223

19 Jul

Saint Clair County, IL Real Estate For Sale:

7701 Baxter Drive Belleville, IL 62223

MLS#4108957

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View The Tour!

Honey stop the car!  This feels like home.  An inviting foyer with hardwood floors and pottery barn perfect colors are ready to welcome you home. A spacious dining area allows for romantic dinner space. Fantastic family living area offers vaulted ceilings and a warm fireplace flanked by picture window views. A delicious kitchen with soaring ceilings, drop down cabinets, counter space galore, a smooth-top range, built-in microwave plus a planning desk is sure to please the cook.  Family and friends can perch at the breakfast bar to sample your goodies. A sunny breakfast area with deck access is ideal for entertaining. Enjoy your morning coffee on the spacious deck overlooking lush green lawns and mature trees. Then just step back inside as there is home office space on the main living area, you may never want to leave. A dreamy master suite features soothing colors, a deep tray ceiling plus a pampering master bathroom. Stash the kids downstairs where they will find plenty of room to sprawl out with their friends. A bedroom, living area and a full bathroom will keep them entertained. Gorgeous features that would appeal to your family are awaiting you in this move-in ready home. Call me today for your private tour.

Search all Saint Clair County IL Real Estate And Homes For Sale.

Holly Norton offers unparalleled service in the Saint Clair County IL real estate market. Holly assists buyers looking for Saint Clair County IL real estate for sale and aggressively markets Saint Clair homes for sale. Holly serves the entire Saint Clair County Illinois real estate market including the surrounding communities such as Fairview Heights, Belleville, Swansea, Shiloh, O’Fallon, Freeburg, Smithton, Mascoutah and Millstdat area.

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Saint Clair County, IL Real Estate For Sale: 7 Juanita Place Belleville, IL 62223

6 Jul

Charming cottage located in desirable Juanita Place is ready for new owners. Come on in and ponder a moment in the beautiful sunroom with terrazzo brick flooring and sun-drenched views you are sure to feel right at home. Meander your way through into the living room with hardwood floors and a cozy gas fireplace entertaining will be delightful. The dining room is oozing with character and all set for a delightful dinner party. Fantastic kitchen space boasts new counter-tops, an abundance of cabinet space and a serving window to the dining room. Family and friends can be the first to sample your culinary masterpieces in the sunny breakfast nook. A dreamy master suite features an 8 x 6 walk-in closet with organizer, a soothing ceiling fan and hardwood floors. The secondary bedroom with two closets is sized generously for overnight guests. A lovely bathroom features a new raised vanity, new flooring, new shower surround and an extra deep tub. Grab your favorite beverage and relax on your private patio under mature trees. One could happily linger here all day. Pack your backs and come on over. We are sure you will want to stay.
Holly Norton has distinguished herself as a leader in the Saint Clair County, IL real estate market. Holly assists buyers looking for Saint Clair County, IL real estate for sale and aggressively markets Saint Clair County homes for sale.
Holly brings with her a keen eye for the details of buying or selling a Saint Clair County, IL home and seemingly boundless determination and energy, which is why her clients benefit from her unique brand of real estate service. Rooted in Tradition, Focused on the Future – Holly will help make the most of your Saint Clair County, IL real estate experience. Give her a call today, 618-779-9966, and discover the difference she can make during your family’s move.
Search all Saint Clair County IL Real Estate And Homes For Sale.