Discover your home's value in St Charles Home prices in St Charles IL, as in most of the nation, have been up and down since the housing bubble of several years ago.  The average home value in St Charles hit bottom around September, 2012.  We then saw St Charles home prices begin a steady increase to where they're at today.  Home values in St Charles are forecast to continue a steady increase.     If you've been on the fence about selling your home, now is a great time!  Currently, inventory is low and demand is high.  St Charles IL home prices have not only stabilized but are trending upwards with a forecast for continued growth.   The Kombrink Team at RE/MAX Great American North takes a very analytical approach to pricing your home.  Using a process similar to that of an actual home a... 10/13/2013

Farrier Point, Homes for Sale in Saint Charles, IL Farrier Point Real Estate Statistics Average Home Size: 3432 Average Property Taxes: 10662 Homes Listed: 5 Homes Sold: 2 Average Number of Days To Sell: 17 The above Saint Charles real estate statistics were compiled by Team Bowers Realtors based on homes listed for sale in Farrier Point, Saint Charles, Illinois between October 11th, 2012 and October 11th, 2013. Homes for sale in Farrier Point Address Beds Total Baths Total Sqft Year Built List Price 5N692 Farrier Point Lane 4 3.1 3312 1996 $529,500 Sold Real Estate in Farrier Point - (July 13th, 2013 - October 11th, 2013) Address Beds Total Baths Total Sold Price 39W005 Bolcum Road 5 3.1 $410,000 The data relating to real estate for sale on this website comes in part from the Broker R... 10/11/2013

Fox Hunt, Homes for Sale in St. Charles, Illinois Fox Hunt Real Estate Statistics Average Home Size: 5237 Average Property Taxes: 12611 Homes Listed: 6 Homes Sold: 1 Average Number of Days To Sell: 29 The above Saint Charles real estate statistics were compiled by Team Bowers Realtors based on homes listed for sale in Fox Hunt, St Charles, Illinois between October 11th, 2012 and October 11th, 2013. Homes for sale in Fox Hunt Address Beds Total Baths Total Sqft Year Built List Price 5N559 Foxmoor Drive 5 3.1 3692 1993 $529,000 5N472 Foxmoor Drive 4 3.1 5600 1997 $565,000 The data relating to real estate for sale on this website comes in part from the Broker Reciprocity program of Midwest Real Estate Data LLC. Real Estate listings held by brokerage firms other than Keller Williams Realty... 10/11/2013

I keep thinking of all of these topics to post about.  But invariably you're so much better if you have the "why" as to anything in life.  So, for me, I'm thinking to myself...."I know why I blog, but do you know why you blog?"  Like anything in life without a passion, it really becomes quite mundane or interest is lost.  Here are the reasons that I blog: Active Rain Works - As of this date, I'm exactly at 124 referrals from Active Rain since I started posting.  I have so many consumer referrals that it's ridiculous.  I love being on page one of Google and couldn't get that juice on my own.  I also get a lot of realtor referrals from you all.  I also reciprocate.  Can't beat that with a stick.  Bloggingl and Active Rain generates income for me. I Get to Practice and Improve my Writing S... 10/10/2013

Over this past month, I've received a number of new loans.  I love the easy slam dunk loans where someone with perfect credit, excellent income and a good down payment comes in, but it doesn't always work out that way. Just this past month... I have received 4 referrals whom have been denied by a number of different lenders.  The issue?  Bad credit.  Not horrible, but bad enough, that as it stands at the moment they can't get approved for a mortgage.  We're able to help.  Just this past wee, we've received approvals for individuals who we've helped pick up their credit to the point that they are now under contract with a 100% loan approval. The Biggest Misnomer.... People often hear a no from another lender and believe that their answer is final.  The other issue is when consumers think... 10/08/2013

Hunters Fields, Saint Charles Homes for Sale Hunters Fields Real Estate Statistics Average Home Size: 2156 Average Property Taxes: 5392 Homes Listed: 16 Homes Sold: 5 Average Number of Days To Sell: 58 The above statistics were compiled by Saint Charles real estate agents based on homes listed for sale in Hunters Fields, St Charles, Illinois between October 8th, 2012 and October 8th, 2013. Homes for sale in Hunters Fields Address Beds Total Baths Total Sqft Year Built List Price 704 Derby 3 1.1 1329 1989 $155,000 811 Derby Course 3 2.1 1868 1989 $175,000 1930 Fairfax Road 4 2 1900 1990 $285,000 1704 Essex Court 4 2.1 2470 1988 $309,800 2310 Forest Ridge Road 4 2.1 2596 1986 $334,000 1716 Essex Court 4 3 2510 1987 $329,800 1002 Derby Course 2 2 1363 1990 $172,900 2225 Forest Ridge Road ... 10/08/2013

Local Market Insight for October 2013     The Kombrink Team at RE/MAX Great American North has put together their St Charles Real Estate Market Update: Fox Mill Subdivision for October 2013. Scroll down to watch the complete video that covers current listing inventory, pending home sales and closed homes.  It also details market trends for the number of new listings and sales, average market time and listing and sale price trends for Fox Mill.  Here are some highlights; There are 17 single family homes for sale in Fox Mill The average market time is 217 days Average list price is $609,918 5 homes are under contract with an average list price of $458,780 15 homes have closed in Fox Mill in the last 90 days The average sale price is $499,062 Inventory is dropping but staying a bit ahead o... 10/07/2013

So here we are one week later with no resolution to the government shutdown.  Democrats.  Republicans.  Can't stand either side right now!  As most of us roll our eyes and say "here we go again," there are people who are actually trying to buy a home right now. The problem is that the Social Security Office is with a depleted and furloughed staff.  The I.R.S.....well it was broken before the shutdown, but now ordering a 4506-T is an act in a vacuum.  A 4506-T allows the mortgage company to verify the borrower's income with the social security office.  Most lenders aren't closing loans without these because of a thing call "reps and warrants."  That means that the lender is representing that they have verified the income of the borrower with the I.R.S.  The problem is that we don't get a... 10/06/2013

Updated list of waterfront homes for sale in St Charles Looking for a place with ambiance and a view rather than just a fence around you? Enjoy the sense of privacy waterfront homes provide compared with a community where you have neighbors right on top of you. Living in a waterfront home is like constantly being on vacation. There's no need to spend money to go away someplace when you can just walk out the door and down to the water.  Learn to appreciate the nature and wildlife that surround you while you enjoy being away from the commotion of town. Whatever lifestyle you’re looking for, there’s a waterfront homes for sale in St Charles IL to suit your needs. There are currently 43 waterfront properties for sale in St Charles, Illinois. View our updated list of waterfront homes for sal... 10/04/2013

Most lenders won't lend without a credit score of 640 or above.  Now, Cherry Creek Mortgage and FHA have the ability to lend down to a 580 credit score.  Obviously the further you are below the 640 mark, the greater the overlays are, but still, for those people who just can't seem to climb over that 640 hump, it's a boon!  So...... In the event you've been declined because you have a lower credit score.  Give me a holler.  It may be time for us to re look at this and see if now is the time for you purchase the home of your dreams.   10/01/2013

Wild Rose, Saint Charles, Illinois Wild Rose Real Estate Statistics Average Home Size: 3081 Average Property Taxes: 7959 Homes Listed: 12 Homes Sold: 8 Average Number of Days To Sell: 114 The above statistics were compiled by Team Bowers Realtors based on homes listed for sale in Wild Rose, Saint Charles, Illinois between October 1st, 2012 and October 1st, 2013. Homes for sale in Wild Rose Address Beds Total Baths Total Sqft Year Built List Price 36W171 Indian Mound Road 4 4.1 5000 U $995,000 36W303 Ferson Creek Road 4 2.2 0 1965 $439,900 36W197 Indian Mound Road 5 3.1 2700 1960 $347,900 Sold Real Estate in Wild Rose - (July 3rd, 2013 - October 1st, 2013) Address Beds Total Baths Total Sold Price 4N059 Thornly Road 4 2.2 $365,000 36W473 Ferson Creek Road 4 4.1 $550,000 36W667 Red Haw L... 10/01/2013

People are often unreasonable and self-centered.  FORGIVE THEM ANYWAY If you are kind, people may accuse you of alterior motives.  BE KIND ANYWAY If you are honest, people may cheat you.  BE HONEST ANYWAY; If you may find happiness, people may be jealous.  BE HAPPY ANYWAY The good you do today may be forgotten tomorrow.  DO GOOD ANYWAY Give the world the best you have, and it may never be good enough.  GIVE YOUR BEST ANYWAY For you see, in the end, it is between you and God,  IT WAS NEVER BETWEEN YOU AND THEM ANYWAY 09/29/2013

Surrey Hill, Homes for Sale in Saint Charles, IL Surrey Hill Real Estate Statistics Average Home Size: 2450 Average Property Taxes: 6884 Homes Listed: 13 Homes Sold: 7 Average Number of Days To Sell: 88 The above statistics were compiled by Saint Charles, IL Realtors based on homes listed for sale in Surrey Hill, St Charles, Illinois between September 27th, 2012 and September 27th, 2013. Homes for sale in Surrey Hill Address Beds Total Baths Total Sqft Year Built List Price 1611 Allen Lane 5 4 3430 1969 $375,000 529 Post Road 4 2.1 2365 1970 $299,900 401 Wing Lane 4 3.1 2360 1968 $317,900 Sold Real Estate in Surrey Hill - (June 29th, 2013 - September 27th, 2013) Address Beds Total Baths Total Sold Price 1508 Allen Lane 4 3 $290,000 1511 Allen Lane 4 2.1 $300,000 530 Tyler Road 3 2 $273... 09/27/2013

Persimmon Woods, Saint Charles, Illinois Persimmon Woods Real Estate Statistics Average Home Size: 4468 Average Property Taxes: 17959 Homes Listed: 6 Homes Sold: 2 Average Number of Days To Sell: 19 The above statistics were compiled by Team Bowers Realtors based on homes listed for sale in Persimmon Woods, Saint Charles, Illinois between September 27th, 2012 and September 27th, 2013. Homes for sale in Persimmon Woods Address Beds Total Baths Total Sqft Year Built List Price 1955 Persimmon Drive 5 4.3 5263 1987 $1,095,000 Sold Real Estate in Persimmon Woods - (June 29th, 2013 - September 27th, 2013) Address Beds Total Baths Total Sold Price 1325 Persimmon Drive 5 2.1 $541,000 The data relating to real estate for sale on this website comes in part from the Broker Reciprocity program of ... 09/27/2013

Cambridge, Saint Charles, Illinois Cambridge Real Estate Statistics Average Home Size: 1758 Average Property Taxes: 5793 Homes Listed: 25 Homes Sold: 11 Average Number of Days To Sell: 36 The above statistics were compiled by Team Bowers Realtors based on homes listed for sale in Cambridge, Saint Charles, Illinois between September 25th, 2012 and September 25th, 2013. Homes for sale in Cambridge Address Beds Total Baths Total Sqft Year Built List Price 1544 Banbury Avenue 4 2.1 1700 1979 $195,000 1805 Rita Avenue 4 1.1 1800 U $164,900 1904 Jeanette Avenue 4 1.1 2000 1988 $244,900 1945 Pleasant Avenue 3 2 1650 1976 $239,900 1414 Madison Avenue 4 2.1 1865 1980 $184,900 1903 Cumberland Green Drive 3 2.1 2000 1993 $274,000 Sold Real Estate in Cambridge - (June 27th, 2013 - September 25th, ... 09/25/2013

St Charles IL Real Estate Market Insight: August 2013 Key Market Indicators Show Direction Market Is Headed Video of St Charles IL Real Estate Market Insight: August 2013 Last week realtor.com released their National Housing Trend Report for August 2013. As the year’s peak home buying season comes to a close, key market indicators point to a shift in the dynamics of the housing market, suggesting that future home value appreciations may be driven by market demand, rather than inventory shortages. An analysis of the summer home buying season ending in August shows year-over-year changes now within the single-digits for three key indicators – inventory count, median age and median list price, signaling a leveling of the market not seen for some time. Nationally, inventory has dipped sligh... 09/16/2013

Persimmon Fields, Homes for Sale in Saint Charles Persimmon Fields Real Estate Statistics Average Home Size: 3541 Average Property Taxes: 13479 Homes Listed: 6 Homes Sold: 1 Average Number of Days To Sell: 341 The above statistics were compiled by Saint Charles, IL Realtors based on homes listed for sale in Persimmon Fields, Saint Charles, Illinois between September 12th, 2012 and September 12th, 2013. Homes for sale in Persimmon Fields Address Beds Total Baths Total Sqft Year Built List Price 765 Persimmon Drive 5 4.2 5318 1987 $588,000 565 Stonehedge Road 4 4 4214 1986 $549,900 750 Stonehedge Road 3 2.1 2423 1987 $429,000 660 Persimmon Drive 4 2.1 2917 1984 $375,000 335 Persimmon Drive 4 2.1 2833 1987 $549,900 The data relating to real estate for sale on this website comes in part fr... 09/12/2013

It's not often I get the opportunity to endorse and recommend another author.  As most of you know I'm in the final chapter of my book that is to be released the first part of 2014.  With all my focus on finding free time to finish it, I'm having less success in reading others.  However, I do want to put the full weight of my 200 plus pound body behind a great read for your tween. The book is called "The Magician's Doll" by M.L. Roble.  For your kids who get off on the Harry Potter thing, this could be the next breakout book.  While I've known the author since she was a tiny little whippersnapper, the she's getting nothing but 5 star reviews from critics and readers alike.  What makes this intriguing is that the young main character in the book needs to learn how to control her powers b... 09/11/2013

Parents Will Eat Their Young.... not all of the time, but sometimes, and only in the wild...... But I will tell you that I do understand the frustrations that leaders face when teaching and mentoring others. I love my kids, but as I tell them.....each day I have a different favorite....for the day.  I also tell them that while I do love them, I don't have to like them all of the time...... Being a so called expert in my field it really irritates me when people: Get referred to me; Schedule an appointment; Ask for my counsel and advice; Thank me for my time; and then leave the opposite and do the exact opposite of the plan that we all had agreed to. Sometimes it's when I tell the buyer "Don't buy a car" prior to buying a home; Don't go out and get new credit; Don't try to fix your credit... 09/10/2013

The across the board minimum for most mortgage companies is a 640 middle credit score.  Now, at Cherry Creek Mortgage, we have the ability to approve FHA loans down to a credit score of 580.  Earth shattering?  Not really, but huge?  You bet!  This is something that takes a lot of borderline buyers and puts them in the position to buy a home today.  If you're worried about your ability to buy because you're not sure if your credit is good enough, now may be the time to re-examine your situation.  Give me a call....options pervail! 09/09/2013