Koroll Haley - Re/Max City, Buyer's Agent, Seller's Agent, Chicago Real Estate, Suburban Chicago Homes For Sale, Chicago Short Sale Agent, Illinois Foreclosure Realtor. Chicago Short Sales, Chicago Illinois Foreclosures. Looking to Buy or Sell a Short Sale Home in Chicago? Do you owe more than the house is worth and need to short sell it asap? Short Sale might be your best option. Chicago ShortSale Pre Foreclosure Help. Chicago's Top Ranked RE/MAX Realty Office Buyer's & Seller's Short Sale Agent. Looking to buy a Short Sale House, Short Sale Condo, Chicago Foreclosures, REO Bank Owned Properties in Chicago or Suburbs.

Work with the Best!

www.ChicagoTopHomeBuyersAgent.com

> Contact Me 
> My Property Finder
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> Request a Personal Home Tour
> Selling a Home 
> Request a Free CMA
> Advice For The Move
> Request Relocation Info

Welcome to Chicago Top Home Buyer's Realty Website - Illinois Best RE/MAX Real Estate Agents and Brokers Specializing in working with Home Buyers and Investors.

Buying a Home or Investment Property, Short Sale, Foreclosure, Bank Owned Property in Chicago or Suburbs Illinois? Work with a Top Producing Real Estate Agent Specializing with Buyers.

Search Homes For Sale on My Property Finder and have new Chicago Illinois MLS listings automatically emailed to you when they hit the market.

> My Property Finder

Chicago Short Sale & Suburban Chicago Illinois
Short Sale & Pre Foreclosure Specialists!

> www.ChicagoShortSalePro.com 
> www.Suburban-Chicago-Short-Sale.com  
> Short Sale info

> www.SuperDomy.com - (Polski agent - Tel 773-987-8224 - Chicago Polish speaking real estate agents and brokers) - Domy w Chicago, Nieruchomosci w Chicago Illinois, Short Sale po Polsku w Chicago Illinois.

Chicago Illinois Leading ShortSale Experts - Top Selling Team for the #1 RE/MAX Office in Chicago Illinois.

Work with The Best..

Sorensen-Haley Group #1 Team @ RE/MAX CITY

75 Homes SOLD or Under Contract in 2009!

Conventional Sellers!
Get 2 Top Selling Agents for The Price of 1.

Short Sale Sellers!
Free Short Sale Representation regardless if the deal closes or not (we are paid by the bank).

Koroll Haley
Buyer Specialist
Tel 708-288-8383
web: www.khaley.remaxni.com
email: haleykpro1@aol.com

Michael Sorensen
Seller Specialist
Tel 773-987-8224
web: www.msorensen.remaxni.com  
email: michaels@remax.net  

RE/MAX CITY - Chicago Top Best Selling Real Estate Agents and Brokers specializing in Short Sale and Foreclosure Prevention. Representing Home Buyers and Property Sellers in Chicago & Suburbs Northern Illinois. 

> Short Sale info

Behind on payments?
Facing foreclosure?
Do not abandon your property!
Don't give it to the bank without a fight!
Do a Short Sale! Dismiss Foreclosure!
FREE Short Sale Representation For Buyers & Sellers! Don't pay a dime to anyone!

Work with the Best!

> Sorensen-Haley Team - Chicago Short Sale Specialists - Illinois Top Real Estate Agents and Brokers Specializing in ShortSale, Pre Foreclosure, Foreclosed, Bank owned properties REO.

> The #1 Team @ The Number RE/MAX Office in Sales in Chicago IL. currently selling more than 60 properties (most have offers!).

> Sorensen-Haley Team ..we sell more because we do more!

Homebuyers and Property Sellers...

Contact Koroll Haley @ Tel 708-288-8383

TEL 708-288-8383 ..call me now.

> Contact Me
> Advice For The Move
> Mortgage Pre-Approval
> Request a Free CMA
> Request a Personal Home Tour
> Request Relocation Info
> Selling a Home 
> My Property Finder

Chicago and Suburbs Northern Illinois Short Sales Foreclosures Bank Owned Properties REO Brokers Agents serving: Cook, DuPage, Lake, McHenry, Will, Kane, Kendall, Boone, Dekalb County.

We work with virtually all lenders: Chase Bank, Washington Mutual, Citi Bank, Wells Fargo, National City Bank (Mid America Bank), Bank of America (Countrywide), Deutche Bank, 5/3 Fifth Third Bank, Wilshire, US Bank, FHA/ HUD, Homeq, AHMC ..and many others.

Purchasing a Home in Chicago Illinois

When buying a home in Chicago or Suburbs Illinois, it’s important to think carefully about your offering price—but also your offering terms. Most purchase offers define both. And in some cases, terms and conditions can represent thousands of dollars in additional value for buyers—or additional costs.

Terms may include inspections, requests for specific property repairs, or timing considerations, such as a conditional purchase clause (if, for example, you must first find a buyer for your current home).

More info.. Contact Koroll Haley - RE/MAX CITY - Chicago Illinois Buyer's Agent
TEL 708-288-8383 Contact Me

Determining a price

Some Chicago Illinois homebuyers mistakenly believe there is a predetermined formula for offers—that offering prices should be X percent lower than the seller’s asking price or the amount they are really willing to pay.

In practice, your offer price actually depends more upon the basic laws of supply and demand. If many buyers are competing for homes, then sellers will likely get full-price offers and sometimes even more. If demand is weak, then offers below the asking price may be in order.

How to make an offer

The process varies by state. In most cases, you complete an offer that your buyer's agent presents on your behalf. The owner, in turn, may accept the offer, reject it or make a counter-offer.

Because counter-offers are common (any change in terms can be considered a “counter-offer”), it’s important that you remain in close contact with your buyer's agent during the negotiation process so that any proposed changes can be quickly reviewed.

Inspections

Inspections are common in residential realty transactions in Chicago Illinois. Depending on your needs and where you live, they may include:

• mold inspections
• “green” issues, including energy efficiency and eco-friendliness
• surveys to determine boundaries
• appraisals to determine value for lenders
• title reviews
• structural inspections

Structural inspections are particularly important. During these examinations, an inspector evaluates the property for any material physical defects and whether expensive repairs and replacements are likely to be required in the next few years.

For a single-family home or investment property in Chicago Illinois, these inspections often require two or three hours. You should plan to attend too. This is an important opportunity to examine the property’s mechanics (plumbing, wiring, etc.) and structure, ask the home inspector questions and learn far more about the property than is possible with an informal walk-through.

Chicago Illinois Home Inspectors Directory:
http://www.bbb.org/chicago/accredited-business-directory/home-inspection-service

Comparing Schools

A good public school system can be an important consideration for Chicago Illinois homebuyers, even if you don’t have school-aged children. That’s because good schools can enhance the resale value of your home and make it more attractive to a broader pool of buyers and tenants.

To conduct your own comparisons of schools in Chicago and Suburbs Illinois, go to School Match, which offers Chicago and Illinois school research and data consulting services. Here you’ll find test scores, student-teacher ratios, spending and education levels for residents, and more.

School Match provides verified school data, as opposed to self-reported data, which can lead to various misinterpretations. Data that has been independently verified allows you to make better school district comparisons before you move.

Closing Costs

Closing costs are simply the fees associated with 1) purchasing a home, 2) borrowing money, and 3) preparing paperwork to finalize the sale. Your total closing costs will vary depending on where your new home is located in Illinois, what type of property you are buying, the price of your home and the complexity of the transaction.

It is extremely important that you work closely with your buyer’s representative in the early stages of your home search to estimate what these costs could be, since closing costs can easily represent thousands of dollars.

The main categories are:

Discount points to buy down the mortgage

If you want to reduce the ongoing cost of your mortgage over the life of the loan, you’ll want to consider this optional fee. Amounts can vary significantly, from 0.5 to 3 points on the total mortgage amount. This is a one-time charge that is fully deductible as mortgage interest.

Costs for originating the mortgage

This generally includes a variety of fees such as the loan origination fee, the appraisal fee and the cost of credit reports. Other related closing fees may include hazard and mortgage insurance, and interest accrued on the mortgage between closing date and the end of the month.

Taxes and other local fees

Charges will vary according to local government requirements in Chicago and many suburbs in Illinois. Some may demand that property taxes be pro-rated according to when you officially own your home. You may also be required to pay personal property taxes, homeowner’s association dues, and other assessments that are specific to the area that you are moving into.

Documentation costs

You will have to pay for any research involving public records and title history for your new Chicago or Illinois property. This insures that the title is unencumbered by other ownership claims or liens and can be delivered to you at closing. Other costs include recording and transfer fees, which cover legally recording the deed to your name.

The Purchase Contract

Most Chicago and Illinois real estate buyer's agents use standard pre-printed purchase contract forms, filling in the details specific to your purchase terms. These legally-binding documents are used to:

1. Set forth the terms of the sale
2. Establish the rights and obligations of the parties involved
3. Specify what actions will be taken in order to close the sale, and
4. Establish time frames for those steps to be completed

While most Chicago Illinois buyers are usually fully aware of terms regarding price, closing date, and financial arrangements, there is a tendency to overlook much of the rest of the contract. However, since all the contract terms will be binding, it is important to understand what you are agreeing to before signing the contract. Not doing so can be a costly mistake, especially if there are problems or difficulties in the transaction.

When an offer becomes a contract

A purchase contract is created when there is a “meeting of the minds” on all terms—when you and the seller have come to agreement and signed the offer form along with any counter-offers and addenda. Real estate contracts must be in writing; verbal contracts to purchase real estate cannot be enforced.

Some of the items that you may be agreeing to may include:

• What personal property will be included or excluded from the sale.
• Who will pay for required repairs or retrofits.
• What the seller’s disclosure obligations will be.
• What the seller’s obligation to maintain the property will be.
• What the seller is warranting about the property.
• What the buyer’s inspection rights will be.
• What will happen in the event either party does not comply with the contract.
• Whether or not the buyer can get out of the contract upon an attorney review and/or other contingencies.
• What will the parties’ legal rights and attorney fee provisions be in the event of a breach of contract.

Do your homework in advance

It is highly recommended that you read and review the pre-printed forms with your buyer’s representative before you write and sign a purchase offer. That way, once you are ready to present a bona-fide offer, your focus will be on the primary issues of price, terms, and closing date.

Reviewing and understanding the Illinois purchase contract form ahead of time can also help you strengthen your negotiating position, protect yourself from incurring unnecessary costs or problems, and gain a better understanding of what you will need to do to conclude the sale.

Relocating To Chicago Illinois

> Request Relocation Info

Chicago Illinois Movers/ Moving Company Directory:
http://www.bbb.org/chicago/accredited-business-directory/movers

Source: REBAC - Real Estate Buyer's Agent Council of The National Association of REALTORS. ABR - Accredited Buyer's Representative.

For more information, advice or recommendations, please contact Koroll Haley - RE/MAX CITY - Chicago Illinois Buyer's Agent, TEL 708-288-8383 Contact Me

Serving Buyers & Sellers in Chicago and All Suburbs - Northern Illinois:

Addison: www.addisonadvantage.org  
Algonquin: www.algonquin.org
Arlington Heights: www.vah.com  
Aurora: www.aurora.il.us  
Bartlett: www.village.bartlett.il.us   
Barrington: www.barrington-il.gov  
Bensenville: www.bensenville.il.us  
Berwyn: www.berwyn-il.com
Bloomingdale: www.vil.bloomingdale.il.us  
Buffalo Grove: www.vbg.org  
Chicago: www.cityofchicago.org  
Carol Stream: www.carolstream.org  
Crystal Lake: www.crystallake.org  
Deerfield: www.deerfield-il.org
Des Plaines: www.desplaines.org  
Elgin: www.cityofelgin.org  
Evanston: www.cityofevanston.org  
Elk Grove Village: www.elkgrove.com
Elmwood Park: www.elmwoodpark.org  
Franklin Park: www.villageoffranklinpark.com
Fox Lake: www.discoverfoxlake.com
Glencoe: www.glencoevillage.org
Glendale Heights: www.glendaleheights.org  
Glenview: www.glenview.il.us
Hoffman Estates: www.hoffmanestates.com  
Hanover Park: www.hanoverparkillinois.org
Harwood Heights: www.harwoodheights.org
Highland Park: www.highlandpark.org
Itasca: www.itasca.com
Kenilworth: www.villageofkenilworth.org
Kildeer: www.kildeervillage.com 
Lake Bluff: www.lakebluff.org
Lake Forest: www.cityoflakeforest.com
Lake Villa: www.lake-villa.org
Lake Zurich: www.volz.org   
Libertyville: www.libertyville.com
Lincolnshire: www.village.lincolnshire.il.us
Lincolnwood: www.lincolnwoodil.org
Melrose Park: www.melrosepark.org
Mount Prospect: www.mountprospect.org
Morton Grove: www.mortongroveil.org
Mundelein: www.mundelein.org
Naperville: www.naperville.il.us
Norridge: www.villageofnorridge.com
Northbrook: www.northbrook.il.us
Niles: www.vniles.com
Northfield: www.northfieldil.org
Oak Park: www.oak-park.us  
Park Ridge: www.parkridge.us  
Palatine: www.palatine.il.us  
Prospect Heights: www.prospect-heights.il.us
Roselle: www.roselle.il.us
River Forest: www.river-forest.us
River Grove: www.villageofrivergrove.org
Schaumburg: www.ci.schaumburg.il.us  
Streamwood: www.streamwood.org
Skokie: www.skokie.org
Schiller Park: www.villageofschillerpark.com
Vernon Hills: www.vernonhills.org
Wood Dale: www.wooddale.com  
Wheeling: www.vi.wheeling.il.us  
Wilmette: www.wilmette.com  
Winnetka: www.villageofwinnetka.org

Short Sale Chicago ShortSale Realtors and Short Sale Real Estate Agents Brokers Specializing in Short Sale in Chicago Illinois. Illinois Foreclosures REO Bank Owned Properties: short sale condos, short sale houses, short sale homes, townhouses, multi family/ multi unit buildings.

Koroll Haley - REMAX City - Chicago Short Sale Realtor, Chicago Illinois Real Estate agent specializing in first time home buyers, investors, buying a home or investment property, short sale buyers, If you are looking to buy a property in Chicago Suburbs Illinois, use the services of a Remax buyer’s agent. A buyer’s agent represents the interests of the buyer in the purchase of a home, house, condo, townhome, town houses, short sale, foreclosure, or a bank owned property. We represent luxury home buyers, shortsale buyers, foreclosure buyers, buying a bank owned foreclosed property in Chicago Illinois. Before you buy a home or investment property in Chicago or Suburbs call a top producing best selling Buyer's Agent for a free consultation and advice on the purchase. New home, new construction buyers. Chicago Illinois REMAX, Buyers Agent, Buying a Home in Chicago, Short Sale, Foreclosure in Illinois, Bank owned Property Buyers, Buying a Foreclosure Property in Chicago Illinois, Buyers Agents working with Homebuyers in Illinois, MLS Search, Find Homes For Sale in Chicago Illinois, Top Buyers Realty, Best Buyer Agents in Chicago, Chicago Condos Buyers, Free Buyer Representation, Find Real Estate Agents Brokers specializing in first 1st time Homebuyers, Short Sale Buyers, Foreclosure Buyers, Buying, Buy a Home, Chicago Buyer Real Estate Agent, Homes For Sale, Property, Short Sales, Foreclosure, REO, BPO, Bank owned houses, Search MLS listings, Find Foreclosures, ShortSale, Top Realty for Buyers, Best Buyer's Agents Brokers, Top Real Estate Agents For Buyers, How to buy real estate, Illinois relocation service, relocating to Chicago, Move, Moving to Illinois, Buyers Agency, Remax, Chicago, Illinois, Real Estate listings, Chicago Homes. REMAX City Realtors, Chicago Number 1 Top Best Selling ReMax Realty Office, Chicago Illinois Top Real Estate Agents and Brokers specializing in short sales and pre foreclosure in Addison, Arlington Heights, Algonquin, Alsip, Antioch, Aurora, Bannockburn, Barrington, Bartlett, Belvidere, Bensenville, Berwyn, Bloomingdale, Bolingbrook, Buffalo Grove, Bridgeview, Burbank, Burr Ridge, Carol Stream, Carpentersville, Cary, Cicero, Crystal Lake, Deerfield, Deer Park, Des Plaines, Downers Grove, Dundee, Edison Park, Elgin, Elk Grove Village, Elmhurst, Elmwood Park, Evanston, Fox Lake, Forest Glen, Franklin Park, Geneva, Genoa, Glencoe, Glendale Heights, Glenview, Grayslake, Great Lakes, Gurnee, Hainsville, Hampshire, Hanover Park, Harwood Heights, Hawthorn Woods, Highland Park, Hinsdale, Hoffman Estates, Huntley, Ingleside, Inverness, Island Lake, Itasca, Ivanhoe, Irving Park, Jefferson Park, Joliet, Kenilworth, Kildeer, La Grange, Lake Bluff, Lake in the Hills, Lake Forest, Lake Villa, Lakeview, Lake Zurich, Lemont, Libertyville, Lisle, Lincoln Park, Lincolnshire, Lindenhurst, Lombard, Long Grove, Marengo, McHenry, Melrose Park, Morton Grove, Mount Prospect, Mundelein, Niles, Naperville, Norridge, Northbrook, Northfield, North Center, North Chicago, Northlake, Norwood Park, Northshore, O Hare, Oak Brook, Oak Lawn, Oak Park Real Estate, Oak Park Homes For Sale, Oak Park Short Sale MLS Listings, Oak Park Pre Foreclosure Property, Oak Park Houses, Oak Park Condos For Sale, Oak Park Bank owned foreclosed properties, New Construction Homes, Builder Representation, Old Town, Orland Park, Palatine, Park Ridge, Plainfield, Prairie View, Portage Park, Prospect Heights, Richmond, River Grove, Riverwooods, Rockford, Rogers Park, Rolling Meadows, Roselle, Round Lake, Schaumburg, Schiller Park, Skokie, Sleepy Hollow, South Barrington, South Elgin, Spring Grove, Spring Grove, St. Charles, Stone Park, Streamwood, Sugar Grove, Summit, Sycamore, Sugar Grove, Tinley Park, Vernon Hills, Villa Park, Winnetka, Wadsworth, Wauconda, Waukegan, Wayne, Westchester, Wheaton, Wheeling, Willowbrook, Wilmette, Winthrop Harbor, Wonder Lake, Wood Dale, Woodridge, Woodstock, Zion,

Michael Sorensen Short Sale Group - Chicago Short Sale Homes & Suburban Chicago Illinois Short Sale Properties and Pre Foreclosure Help

My Favorite Links:

> www.ChicagoShortSalePro.com 
> www.Suburban-Chicago-Short-Sale.com
> www.SuperDomy.com >> Top Best Selling Polish Spanish Speaking Real Estate Agents Brokers in Chicago, Chicago Short Sale Po Polsku - Tel 773-987-8224 - Domy w Chicago, Nieruchomosci w Chicago, Kupno, Sprzedaz, Chicago, Illinois, Chicago Short Sales, Pre Foreclosure Help, Bank Foreclosures, Foreclosed Bank Owned Property, REO Agents Brokers in Chicago Illinois, Polish Agents, Polski agent, Mowimy po polsku, Polish and Spanish speaking Real Estate agents, agentes de bienes raices en Chicago, Short Sales en Español.

Illinois Real Estate

Illinois Real Estate