Move-in Ready - Lots of Room!
• 2,000 sq. ft., 2 bath, 4 bdrm 2 story - 
MLS® $217,900 USD - NEW PRICE !
Riverbrook Estates, Plainfield - Stopp the car and see this spacious and clean well-cared for home that is located in the highly sought after Riverbrook Estates subdivision! This two (2) story traditional home features 2 Car Garage, 4 large Bedrooms & 2.5 Baths (incl/Master Bath). Large eat-in kitchen has gorgeous hardwood flooring which leads to family room and patio to large yard!
Perfect 10! Situated on oversized lot with fenced privacy yard and pool w/deck - lots of room!
See virtual tour or request more information free!
Close to shopping & I-55 !
Property information
Priced to Sell!
• 1 bath, 3 bdrm single story - MLS® $99,500 USD
Bellwood, Cook County - This lovely home is move-in ready, solid brick 3BA/1BA and freshly painted with new water heater, new furnace, 2 car garage and fenced yard has beautiful rose bushes.
Room sizes approximate.
Located conveniently near I-290; 20 minutes to Loop and minutes to nearby brand new Target anchored retail shopping center
Property information
By: Christine Moscinski, Broker Associate @Gobber Real Living Realty - Chicago, Illinois
SEPTEMBER 27, 2012
What is a Foreclosure
Foreclosure: Legal process which a bank/lender repossesses a piece of property after the owner has failed to pay the lending institution.
How long is the typical foreclosure timeline in Illinois?
The timeline for foreclosure in Illinois is typically 9-16 months (2009).
- Month 1-3: Homeowner stops making mortgage payments
- Month 3-4: Lender files a lawsuit in court against Homeowner
- Month 3-4: County court approves lawsuit (called Lis Pendens) . The Homeowner is notified and notice becomes public record.
- Month 6-8: The court issues a sheriff's sale to start process to sell the property.
- Month 8-10: If the Homeowner cannot pay the judgment amount or work with the lender to stop the sale of the home, the property is sold at a Sheriff Sale.
- Month 9-11: There is a 30-day redemption period (even after the sale, the Homeowner has a right to buy back the home).
- Month 10-16: The property becomes an REO (bank-owned corporate owned property)
- The REO Property comes on to the MLS for sale
If you or someone you know is in default of their home loan, call Christine today for help. Consultation is free and you may save your home 708/369-8094.
Christine Moscinski is a Broker Associate and member of The "House Hunters Team" at Gobber Real Living Realty - Specializing in Local Real Estate Markets - REO - Short Sale - Foreclosure. Call her if you are in need of professional advice and guidance on your next purchase or sale - You'll be glad you did!
TEL: (708)369-8094 Available 24/7/365 - Visit her website at: http://www.ehousehuntonline.com and Twitter @cmoscinski
By: Christine Moscinski, Broker Associate @Gobber Real Living Realty - Chicago, Illinois
SEPTEMBER 22, 2012
If you are more than 3 months behind in your mortgage, you are not alone. Many are struggling with job loss and are now losing their homes.
"More than 2.3 million U.S. homes have been repossessed by lenders since the recession began in December 2007. The firm estimates more than 1 million American households are likely to lose their homes to foreclosure this year " (source: RealtyTrac).
If you know you cannot catch up, your time is running out - fast. You need to know your options. Here are some helpful tips when talking to your lender:
- Call Your Mortgage Lender to see if you can refinance at a lower rate (most require 12 months no late pays). Rates are currently at of 4.25% - 4.75%.
- Ask your lender for loan forbearance. In these cases they may extend your 30 year loan to a 40 year and tacking on what you owe to the end of the mortgage note.
- Finally, if you know you cannot qualify due to loss of income and want to try and save some of your home’s equity, talk to your lender about a short sale. Find a Realtor® experienced in negotiating short sales that will sell your home quickly for what you owe the bank.
- If you are “under water in your mortgage”, owing more to the bank than your home is worth, there are ways to negotiate with your lender ask for a “loan modification”
DO:
Place Your Home in Short Sale: It can save your credit score. If you allow your home to be taken away in foreclosure with court proceedings, be prepared to pan up what you owe the lender for the mortgage note PLUS all legal fees. This may mark on your credit for 3-7 years and sometimes longer.
Call an experienced Realtor®: Or several in your area and interview each of them to make sure you get the best candidate to do the best job for you. You need to sell your home fast and for the most money.
DON’T
Do not Sign Your Deed Over to Someone! There are many people scamming and taking advantage of these current situations and this will NOT relieve you from owing your loan note.
Do not give anyone your personal information over the telephone or anyone you do not know and trust.
Do not pay anyone for loan counseling or to someone that says they will “save” your home for a “fee”. Loan counseling is FREE through HUD (U.S. Department of Housing and Urban Development)
For More information: Contact HUD to research your options or call Christine today for answers at (708)369-8094.
Christine Moscinski is a Broker Associate and member of The "House Hunters Team" at Gobber Real Living Realty - Specializing in Local Real Estate Markets - Short Sale & Foreclosure. Call her if you are in need of professional advice and guidance and get the answers you need today - You'll be glad you did!
TEL: (708)369-8094 Available 24/7/365 - Visit her website at: http://www.ehousehuntonline.com and Twitter @cmoscinski
PRESS RELEASE by Christine Moscinski, Broker Associate @Gobber Real Living Realty - Chicago, Illinois: September 25, 2010
SEPTEMBER 10, 2010
10560 Canterbury - Westchester, IL $227,000 Virtual Tour
WOW! PRICED TO SELL QUICKLY - This updated tr-level Ranch home lovingly captures the essence of "Welcome Home" as soon as you enter.
This cozy home features a warm and welcoming large open frontroom, neutral decor, crown molding, hardwood flooring (3) oversized bedrooms, 1.1BA, sep. laundry, washer/dryer, 2/C garage, large yard is landscaped & fenced, large concrete patio, newer furnace (3yrs), windows. Sump pump (never any water in basement) long concrete side driveway.
Lots of room here and home has unfinished attic for possible office or 4th/BR!
Huge rooms - Don’t wait till it’s gone and regret it - see it today!
Close to all shopping: Oak Brook Mall, local grocery, retail specialty shops, restaurants and I-290, I-294 interchange are just 5 minutes away!
Press Release - August 25 ,2010
Christine Moscinski, Broker Associate at Real Living Gobber Realty
NEW PRICE DROP to $222,900 for this well-cared for home in newer Riverbrook Estates Subdivision! This (2) story home comes w/2C Garage, 4 larger BR & 2.5BA (incl/Master Bath). Hardwood flooring in eat-in kitchen which leads to family room out onto patio to large yard!
A Perfect 10! Situated on oversized lot with privacy fence and pool w/deck - lots of room here to grow and entertain!
5 Minutes to shopping (Caton Farm & Rt. 59)and close to I-55 !
Make it yours today!
See Virtual Tour Now!
South Westchester, Westchester - Announcing a price reduction on 10560 Canterbury Street, a 1,600 sq. ft., 2 bath, 3 bdrm 1 1/2 story "Tri-Level Ranch". Now MLS® $232,000 USD - NEW PRICE!.
Property information
PRESS RELEASE by Christine Moscinski, Broker Associate @Gobber Real Living Realty - Chicago, Illinois:
July 22, 2010
10560 Canterbury - Westchester, IL $239,900 Virtual Tour
WOW! PRICED TO SELL QUICKLY - This updated tr-level Ranch home lovingly captures the essence of "Welcome Home" as soon as you enter.
This cozy home features a warm and welcoming large open frontroom, neutral decor, crown molding, hardwood flooring (3) oversized bedrooms, 1.1BA, sep. laundry, washer/dryer, 2/C garage, large yard is landscaped & fenced, large concrete patio, newer furnace (3yrs), windows. Sump pump (never any water in basement) long concrete side driveway.
This is a Corp Relocation will not last long - Relo addendum required.
Lots of room here and home has unfinished attic for possible office or 4th/BR!
Huge rooms - Don’t wait till it’s gone and regret it - see it today!
Close to all shopping: Oak Brook Mall, local grocery, retail specialty shops, restaurants and I-290, I-294 interchange are just 5 minutes away!
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Riverbrook Estates, Plainfield - We invite everyone to visit our open house at 1515 Dale Circle on July 18 from 2:00 PM to 4:00 PM.
Property information
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JUNE 11, 2010
by: Christine Moscinski, Broker Associate and "House Hunter" at GOBBER Real Living Realty
WHO decides when the best time to sell - The MARKET of course! Usually we see an uptrend in sales during the summer months...
Traditionally homes and condos are put on the market in late spring to get a head start on the summer shoppers. This "Buyer's" season continues and is most active until approximately August then things begin to wind down due to school starting. Most home shoppers want to get into a home before the kid’s classes start.
BUT, this is not a TYPICAL market is it? Sellers waiting to put thier home or condo on the market in spring 2011 may see even a lower price. The final "sell" prices are dictated by the market and what has sold in the past 6 months. This is what banks require when they do an appraisal.
Over the past two years I have seen Buyer's active throughout the entire year and the activity is increasing steadily of late due to record low mortgage rates which are now at 4.85%!
Many are shopping for the best possible home they can get with all the bells and whistles. Today's Buyer's are smart. They know area home prices and research diligently. They expect move in, magazine perfect homes, with staging and neutral colored walls. They do not want to paint, clean, remove wallpaper or have anything else to do BUT move in and enjoy their new home!
Selling a home or condo these days is all about "presentation". The home that looks the best and shows the best WILL SELL THE FASTEST! In ANY market!
Staging the home is the best advice I can give any seller.
So if you are thinking of selling but want to put off till spring 2011 here are two reasons NOT to:
#1. More foreclosure coming to the market steadily and home prices are STILL dropping - you will get more for your home NOW rather than later
#2. Interest rates are so LOW! Why wait and take a chance of rates getting higher? If that happens, Buyer's may level off don't you think?
Thank you for your topic emails!
Stay tuned for my next post...
If you would like to submit your question, please email me at cmoscinski@comcast.net !
Christine Moscinski is a Broker Associate and member of The "House Hunters Team" at Gobber Real Living Realty - Specializing in Local Real Estate Markets. Call her if you are in need of professional advice and guidance and get the answers you need today - You'll be glad you did!
TEL: (708)369-8094 Available 24/7/365 - Visit her website at: http://www.ehousehuntonline.com and Twitter @cmoscinski
MAY 23, 2010
by: Christine Moscinski, Broker Associate and "House Hunter" at GOBBER Real Living Realty
Gentrification and the "Urban Sprawl"
Investors are grabbing up these properties by the dozens, why not you? It's not what areas are currently “hot markets” or in the best condition - bottom line is "location" - and the so called "urban sprawl" has reached Maywood, Hillside and Berwyn and other Chicago near west suburbs...
I have been approached by REO investors on where the best "deals" are, what areas and what markets are best to invest in now? Its' not magic, it's logic. Some smart investors are taking advantage of the current market in areas that will see new renewal or “rebirth” and Maywood and Bellwood are on that list.
What is happening in the current real estate markets? Change is happening. Who has ever heard of getting a piece of property for $50K these days? But many investors are jumping on the bandwagon and thanks to these rehabbers, areas that were once run down and uncared for have been given facelifts and a promising future. The individuals investing in these areas are giving new life to drawn neighborhoods and realize the future ROI. Bucktown, Wicker Park, Ukrainian Village, Berwyn and Cicero are a few examples. Hillside and Maywood will be the next; with new retail along the 290 and Mannheim, convenient arterial highway access to I-290, I-294 & I-88, I-57; this will be prime real estate years down the line.
My top picks for imminent gentrification areas are in the following markets: *Hillside, Maywood, North Westchester, South Bellwood, Cicero, Berwyn, Park Forest, Matteson, Flossmoor to name a few.
Buy a home under $50K? Who ever heard of such a thing? But with the population growing, land will be a very highly valued commodity in the future.
Smart investors are taking advantage of these market conditions -
And so should YOU.
*Locations are near shopping, highways and only 20 minutes to Chicago.
Christine Moscinski is a Broker Associate and member of The "House Hunters Team" at Gobber Real Living Realty - Specializing in Local Real Estate Markets
If you're ready to invest, you'll need experienced guidance and representation. So call Christine today 708/369-8094 - You'll be glad you did!
MAY 12, 2010
by: Christine Moscinski, Broker Associate and "House Hunter" at GOBBER Real Living Realty
MAY 2010 Average Home Prices in Chicago's Western Suburbs are still dropping. The average home prices vary from the low $200K's to $250K where last year these homes were priced in the $250K-$300K+ range. Many of these homes are in great shape (3) bedroom 1.1 bath ranch, bi-level and 2 story homes that are move-in ready (NOT foreclosure or short sale).
I also found a great link at the Chicago Tribune website that shows an interactive map of Chicago and Suburbs home prices. This Median Home Price Map shows average prices of homes in these western suburbs (and seems relatively accurate based on my area knowledge) except that I would argue the percentage +/- of price change from 2009 to 2010.
My personal picks this month for some great suburbs with affordable homes and great schools would be: Westchester, Brookfield, Lisle, Darien, Woodridge and North East Bolingbrook (bordering Woodridge) Illinois.
Great deals and move in ready homes near shopping, highway I-355 and Route 83.
Christine Moscinski is a Broker Associate and member of The "House Hunters Team" at Gobber Real Living Realty - We specialize in finding great homes for Buyers!
Call Christine today to set up your free MLS search to find your next home (708)369-8094 - You'll be glad you did!
More information can be found on her website at http://www.eHouseHuntOnline.com
APRIL 25, 2010 By: Christine Moscinski, Broker Associate and member of the "House Hunters" Team @Gobber Real Living
Our very missed U.S. Military members will be arriving back to the states from Iraq and Afghanistan soon and the transition will be tough but Gobber Real Living Realty is prepared to assist them to make the transistion back as seamless as possible and are preparing to help them find affordable homes for their families.
Some helpful information is listed below from the IRS website on qualifications and guidelines for the $8,000 Homebuyer Credit for the Military through April 30, 2011:
$8,000 HOMEBUYER CREDIT EXTENDED TO U.S. MILITARY: - Members of the military and certain other federal employees serving outside the U.S. have an extra year to buy a principal residence in the U.S. and qualify for the credit. Thus, an eligible taxpayer must buy, or enter into a binding contract to buy, a principal residence on or before April 30, 2011. If a binding contract is entered into by that date, the taxpayer has until June 30, 2011, to close on the purchase. Members of the uniformed services, members of the Foreign Service and employees of the intelligence community are eligible for this special rule. It applies to any individual (and, if married, the individual’s spouse) who serves on qualified official extended duty service outside of the United States for at least 90 days during the period beginning after Dec. 31, 2008, and ending before May 1, 2010.
- In many cases, the credit repayment (recapture) requirement is waived for members of the uniformed services, members of the Foreign Service and employees of the intelligence community. This relief applies where a home is sold or stops being the taxpayer’s principal residence after Dec. 31, 2008, in connection with government orders received by the individual (or the individual’s spouse) for qualified official extended duty service. The credit is still allowable even if this happens during the year of purchase. Qualified official extended duty is any period of extended duty while serving at a place of duty at least 50 miles away from the taxpayer’s principal residence (whether inside or outside the U.S.) or while residing under government orders in government quarters. Extended duty is defined as any period of duty pursuant to a call or order to such duty for a period in excess of 90 days or for an indefinite period.
Forums: Military Suppport for Iraq and Afghanistan Veterans of America http://www.iava.org/
Christine Moscinski is a Broker Associate and local market expert and member of the "House Hunters Team" at Gobber Real Living Realty specializing in finding great homes for Buyers.
Call her today to find your next home (708)369-8094
More information can be found on her website at http://www.eHouseHuntOnline.com
April 20, 2010
While banks are reportedly expecting more foreclosures over the next 12-16 months, property values are expected to stagnate even more. A recent trend that I am seeing in the real estate market is with apartment buildings. Owners of these properties want to sell but they are not getting the return they expected and most have lost 20-50% of their value.
One option is converting them to condos. An (8) unit apartment building may be worth $300K in today’s low market, a conversion can reap $100K-$150K per unit and buyers will be more ready to afford in that price range, especially new graduates just starting out in their careers or downsizers.
Average rental rates range between $1,100 & $1,500/mo in Chicago and West Suburbs why would someone rent when owning a condo would cost about the same or less?
Investors: On a $300K apartment investment, $15K per unit in upgrades/building and sale of $120K/per unit a possible gross profit would be $540K!
In today’s Buyer’s market, it’s all about “affordability" and for Investors, this is a "win, win"!
It's ALREADY happening in Greenwich Village New York!
Christine Moscinski is a Broker Associate/Local Market Expert and member of the "House Hunters Team" at Gobber Real Living (formerly Gobber GMAC Real Estate) Serving Chicago and Western Suburbs including: Brookfield, La Grange, La Grange Park, Westchester, Berwyn, Downers Grove, Darien, Elmhurst, Oak Park and more!
Christine assists Investors and Rehabbers, call her to get more information at (708)369-8094
If you are looking for your next home or condo? Call (708)369-8094, you'll be glad you did!
More information can be found on her website at http://www.eHouseHuntOnline.com
02/18/2010
BROOKFIELD, IL: Broker's Open House Hosted by Rosie Gonzalez today 11a-1p 3540 Prairie Ave, Brookfield !! Home made tamales will be served. YUM!!!