BOOST YOUR CREDIT THIS YEAR

Good credit pays off. Even if you’re not planning to borrow money to make a large purchase, good credit may qualify you for better insurance rates, help you avoid paying security deposits when you sign up for new cell phone service or even help you negotiate a better rate on a vacation rental.

This month’s information not only outlines some of the benefits of great credit, it also provides ways to improve it. Page one delves into eight benefits of having good credit, from qualifying for lower interest rates on loans and credit cards to improving your chances of getting a great job. Page two provides five tips to help you improve your credit score. If your credit is already great, the tips will help you ensure it remains high.

If your credit is already stellar, feel free to pass this information along to someone else who may benefit. This information is intended to help make financial goals more achievable.

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TAKE THE STRESS OUT OF TAX TIME THIS YEAR

Albert Einstein once said, “The hardest thing in the world to understand is income tax.” Luckily, tax preparers and DIY tax software take much of the mystery out of the process. Whether you prepare your taxes yourself or send them to a professional, it’s still important to collect and sort your information, including any changes in status or economics that occurred during the year.

The information for this month is intended to prepare you for tax time. Page one provides a list of financial details you may need to gather ahead of time to make the process easier,  as well as some tips to help you get your refund faster. Page two outlines steps to take to help you protect your identity from thieves who wish to gain access to your information.

Tax season doesn’t have to be stressful. With a bit of preparation, the process becomes a breeze.

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MARKET INSIGHTS 2018

What’s in store for the Housing Market in 2018?

What will the year hold for the real estate market? Will the market favor buyers or sellers? Will home prices continue to rise?

While it’s impossible to predict the future, experts rely on current market trends to forecast what may happen this year, if present trends continue. Let’s start the year with information that outlines several predictions experts have made about the national housing market in 2018, as well as a few predictions about mortgages. How do these trends stack up to trends we’ve seen in our local housing market? Give us a call and we’ll give you the scoop! The information also delves into three reasons why learning about the market is important, even if you don’t plan to buy or sell this year.

If you are thinking of buying or selling, or you just want to know more information about our local market, give us a call!

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TAKE THE STRESS OUT OF HOLIDAY TRAVEL/TRAVELERS

The holidays are a special time of year to spend with friends and loved ones. Holidays are also the busiest travel times, which can make getting to your destination stressful. However, there are things you can do to make it easier.

The information for this month is intended to take the stress out of traveling during this season. Whether your trip is already planned or you’re searching for last-minute deals, this piece offers tips to help you reduce the stress of flying or driving. Additionally, I share important advice on how to stay healthy and how to ease traveling with small children or pets.

Don’t let the stress of traveling, or hosting travelers, dim your holiday spirit; follow these tips and you’ll arrive at your destination happy, healthy and ready to celebrate with your loved ones.

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Hosting holiday guests can be as stressful as traveling…

LIFE BEGINS WHEN YOU STEP OUT OF YOUR COMFORT ZONE

Laura and Gene called in September and asked me to sell their bungalow house in Portage Park. They owned the home for 10 years. Laura received a great job offer in Portland that will fulfill their long-awaited dream to move to the west coast where Gene sees many opportunities to build his business. I met with them two months ago to talk about selling. At the time, they expressed concern about a low appraisal value, from a couple years ago, at a value that wouldn’t bring them enough to settle their loan. After walking through their home and researching the current market, I made recommendations that would easily reconfigure the space, such as doing some painting and updating their bathroom, that would likely bring them more value.

They mentioned they were hoping to buy in Portland but weren’t sure how to pull that of long distance. I mapped out a strategy and timeline for selling and buying long distance. I researched and found them a great realtor that I trust who is with Keller Williams in Portland.

We put their home on market and scheduled an open house for the weekend they were planning on a home buying trip. They were delighted when I brought them two offers within a week. Their Portland realtor kept looking for a home for them and found one that they loved. She sent them a video and them made an offer.

I met the appraiser in Chicago, gave him the comparable sales with lost of details on all the improvements they made over the years, and happily the home did appraise out at the sale price. They closed earlier this week and are moving into their new home on Thursday. Life begins when they stepped outside their comfort zone.

Maggie Finegan, Move with Maggie, making your dreams a reality.

THE GIFT OF A LOVELY CLIENT

NORTH PARK LEGACY

Our favorite clients seem to be the ones that open a door to a world of experiences.  She called a couple of weeks ago and asked us to sell her home. Her insurance agent at AAA had referred her. She is 91 and ready to move to a retirement village in South Carolina. She has lived in her home for 60 years having moved there as a young bride, and raised her family in the home. Her parents lived in the apartment upstairs. She thanked me every time I showed her home and we had many wonderful conversations, sharing stories over tea and chocolates, about her work, raising her family and her values. We put her clean, and very well maintained North Park 2 flat up for sale, and quickly put it under contract after receiving multiple offers and selling it for more than the list price. Now the hard part. We need the Village. Gathering estimates from electrician, HVAC, window company, movers and estate sale providers. Although she won’t be taking much of her furniture to the new apartment when she moves, she is leaving behind a wonderful legacy for all of us to smile about.

THE BUYING PROCESS

Thinking of buying a home? Here’s what you need to know.

If you’re a first-time buyer or if it’s been a few years since you’ve purchased a home, you may wonder what to expect during the homebuying process.

The information we have this month will give you the scoop on what to expect at every major step of the way, from home search to closing. The piece is intended to help you understand the process, think about what you want in a home, prepare for financing and answer some of the questions you may have. While every transaction is different, the steps outlined are typical in most transactions.

If you or someone you know is ready to buy, give us a call! We’ll be happy to walk you through the process and help you find the right home for your needs.

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HOME SELLING 101

For many people, especially first-time sellers, the selling process may seem intimidating because they’re not sure what to expect. A sure way to ease any anxiety you may feel is to learn more about the process.

This month’s information provides an outline of what to expect during the selling process. From getting your home ready for its market debut to handling offers and the closing process, this piece helps you understand what may happen and offers tips to get your home ready. While the specifics of your sale may be different, the steps listed consistently occur in the majority of transactions.

When you’re ready to list your home, we’ll be there every step of the way to explain the process. Give us a call today to get the scoop on the selling process!

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APPRAISERS AND SELLERS REALLY NEED OUR HELP!

We are happy to be closing this afternoon on the sale of a 2 bedroom condo in West Rogers Park, in spite of inaccurate Zillow estimates and misleading MLS data.  More and more I see how the role of a real estate agent is to advocate for a client’s property and their needs.

When I met with the sellers in June to talk about selling, they told me they really need to move to get their son in a high ranked High School, as he is an honor student. They shared that they weren’t sure they could sell the home, based on what they were seeing as values on Zillow.

I showed them the comparable sales and they could see that Zillow wasn’t accurate.

We priced the home correctly and had an offer within 2 weeks.

The buyer’s agent making the offer tried to justify the low offer, saying it wouldn’t appraise out. I reviewed our comparables with her.  We negotiated and the buyer ended up agreeing on a price that was much higher than she initially offered.

I met with the appraiser 10 days ago and shared my comparables.  He commented that several of mine were superior to the condo, and shared his assumptions, that were based on MLS data. I let him know about the inaccuracies in the MLS listing. One comparable showed it had an owned parking space but in fact there is no parking in the building and is instead rented next door.

Another comp said they had a swimming pool when in reality it was more like a grotto/wading pool.  I had several comps that were higher than the appraiser’s and he wanted to discount them saying they were east of Ridge.  I let him know that the condos are in an area with schools and parks that are inferior to our location.  I made sure he fully understood the value of my client’s condo, its location, its schools, park, and safety.

The appraisal came back at the sale price of the condo, and so we are closing today. Now the sellers are very excited to work with us to start looking for a home in Taft HS district.

Helping our Buyers, Sellers and Investors Make their best real estate Move with Maggie!

HOW TO MAINTAIN AND REPAIR YOUR CREDIT

Do you feel your credit score needs improvement? Whether you’re getting ready to make a large purchase or striving to achieve a perfect score, one thing is clear: there’s no time like the present to improve your credit.

This month I’m sharing five tips to help you improve your credit score. From reviewing your credit history and addressing inaccurate or incomplete information to paying down debts and keeping a budget, these tips are sure to help you repair negative history and boost your future credit. With effort, time and patience, you’ll be well on your way to great credit.

Share this information with your family and friends who would like to improve their credit scores. Also, if you’re thinking of buying or selling a home, give us a call.

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How to Maintain Great Credit