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Student Debt Starting To Hurt Housing and Mortgage Markets | The Real Estate Bloggers

We have been saying that one of the great risks to the housing recovery is the huge increase in student debt over the past decade. If the universities get the youth to finance their education they will not be in a position to buy, and borrow, for a home. It is not rocket science…

Now the New York Federal Reserve is chiming in and showing that this is starting to happen

click for the rest of the story from Tom Royce at the Real Estate Bloggers

What the Case Shiller Report is Actually Telling Us

What the Case Shiller Report is Actually Telling Us

Case Shiller released their latest Home Price Index yesterday. The headlines that followed were true but, in our opinion, a little misleading. Here are some of the highlights of the report that have dominated major media coverage:

Home prices rose 5.5% in the 12 months ending in November 2012 (the latest data available).

In the 12 months ended in November, prices rose in 19 of 20 cities.

Housing is clearly recovering. Prices are rising as are both new and existing home sales.

Great news for the housing industry. Realize however that all the highlights mentioned above refer to
year-over-year

What is NOT Being Reported

There is another finding in the report that hasn’t garnered many headlines – month-over-month prices are softening.
There is no doubt that prices are up over the same time period last year. However, home price movement is seasonal. During the winter months for each of the last three years, prices have softened. That is taking place again this winter. As the report states:

“Winter is usually a weak period for housing which explains why we now see about half the cities with falling month-to-month prices compared to 20 out of 20 seeing rising prices last summer.”

This does not mean the housing recovery is slowing. It just means that home values are following their historic trend. As explained in the report:

“The better annual (year-over-year) price changes also point to seasonal weakness rather than a reversal in the housing market.”

If you are thinking of selling, you really need to know what will happen to home values in the short term. Prices, based on history, will soften over the next several months in many markets. Therefore, if your plan is to move by next summer, waiting for higher prices before putting your house on the



market may not make sense.

click here for the case shiller report.
neal Paskvan is a member of  kcm  and a real estate broker with baird and warner in Downers Grove

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First-Time Home Buyer Expense Checklist

Buying your first home is one of life's major events. It's easy to get caught up in the euphoria of the decision and overlook the reality that it costs a significant amount of money not only to buy a home, but to keep it and maintain it.  Think about
Maintenance- Insurance- Property Tax- Earnest Money- Down Payment- Closing Cost.  Contact me and I’ll sent you a worksheet to help you figure it all out.!   neal.paskvan@bairdwarner.com 
Click here for the rest of the story

Downers Grove Real Estate... Did you know there are over 600 Homes for Sale in Downers Grove Right Now?

Did you know there are over 600 Homes for Sale in Downers Grove Right Now?    Prices Range from $33,000 to 3.5 Million

Search Powered by Baird and Warner ChicagoLands #1 Home Search Site

Click here to See all Downers Grove Homes for Sale

Neal Paskvan is a Real Estate Broker with Baird and Warner

You can Contact Neal any time to get more info on any property

Click here to get ALL my Contact info

WHO DETERMINES YOUR CREDIT SCORE

FICO stands for Fair Isaac Corporation, which is the company that created the industry standard credit scores used by almost all lenders. FICO has been in business since the 1950s but began building the famous FICO score in the mid 1980s.

What’s in your FICO® score
FICO Scores are calculated from a lot of different credit data in your credit report. This data can be grouped into five categories as outlined below. The percentages in the chart reflect how important each of the categories is in determining your FICO score.

These percentages are based on the importance of the five categories for the general population. For particular groups - for example, people who have not been using credit long - the importance of these categories may be somewhat different.
Payment History

Account payment information on specific types of accounts (credit cards, retail accounts, installment loans, finance company accounts, mortgage, etc.)

• Presence of adverse public records (bankruptcy, judgements, suits, liens, wage attachments, etc.), collection items, and/or delinquency (past due items)

• Severity of delinquency (how long past due)

• Amount past due on delinquent accounts or collection items

• Time since (recency of) past due items (delinquency), adverse public records (if any), or collection items (if any)

• Number of past due items on file

• Number of accounts paid as agreed

Amounts Owed

• Amount owing on accounts
• Amount owing on specific types of accounts
• Lack of a specific type of balance, in some cases
• Number of accounts with balances
• Proportion of credit lines used (proportion of balances to total credit limits on certain types of revolving accounts)
• Proportion of installment loan amounts still owing (proportion of balance to original loan amount on certain types of installment loans)

Length of Credit History

• Time since accounts opened
• Time since accounts opened, by specific type of account
• Time since account activity

New Credit

• Number of recently opened accounts, and proportion of accounts that are recently opened, by type of account
• Number of recent credit inquiries
• Time since recent account opening(s), by type of account
• Time since credit inquiry(s)
• Re-establishment of positive credit history following past payment problems

Types of Credit Used

• Number of (presence, prevalence, and recent information on) various types of accounts (credit cards, retail accounts, installment loans, mortgage, consumer finance accounts, etc.)

Please note that:

• A FICO score takes into consideration all these categories of information, not just one or two.
  No one piece of information or factor alone will determine your score.
• The importance of any factor depends on the overall information in your credit report.
  For some people, a given factor may be more important than for someone else with a different credit history. In addition, as the information in your credit report changes, so does the importance of any factor in determining your FICO score. Thus, it's impossible to say exactly how important any single factor is in determining your score - even the levels of importance shown here are for the general population, and will be different for different credit profiles. What's important is the mix of information, which varies from person to person, and for any one person over time.
• Your FICO score only looks at information in your credit report.
  However, lenders look at many things when making a credit decision including your income, how long you have worked at your present job and the kind of credit you are requesting.
• Your score considers both positive and negative information in your credit report.
  Late payments will lower your score, but establishing or re-establishing a good track record of making payments on time will raise your FICO credit score.

Neal Paskvan is a Real Estate Agent with Baird and Warner in Downers Grove and has a team ready to answer any of you credit questions

Open Houses Downers Grove area for Aug 18th and 19th Provided by Neal Paskvan at Baird and Warner Downers Grove

Did You Know There are Over 15 Open Houses In Downers Grove, Darien, Westmont and Woodridge  This Weekend August 18th and 19th

Did You Know You Know... That You Can Search for Open Houses Anywhere in the Chicago Area using Baird and Warner's Powerful Open House Search!  

Click Here for the Downers Grove Area Open Houses

Click Here to Start Your Personal Home Search

“Neal Paskvan is a Real Estate Agent in Downers Grove with Baird and Warner”

Should I Rent My House If I Can’t Sell It?

There has been a lot written about how buying a home is less expensive than renting one in many parts of the country. Rents are skyrocketing and homes are at bargain prices. These two situations are also causing some sellers to consider renting their home instead of selling it.

 After all, they can get great rental income now and perhaps wait until house values increase in the future before selling. This logic makes sense in some cases. I believe strongly that residential real estate is a great investment right now.

 However, there is a huge difference between deciding you want to become an investor (and landlord) and deciding that renting your primary residence might be ‘easier’ than trying to sell it. As a real estate professional, it is my job to educate the homeowner to the possible challenges that might arise if they rent their home. Here are some questions every potential landlord should consider:

10 Questions to Ask BEFORE Renting Your Home

1.) How will you respond if your tenant says they can’t afford to pay the rent this month because of more pressing obligations? (This happens most often during holiday season and back-to-school time when families with children have extra expenses).

2.) Because of the economy, over ten percent of homeowners can no longer make their mortgage payment. What percent of tenants do you think can no longer afford to pay their rent?

3.) Have you interviewed a few experienced eviction attorneys in case a challenge does arise?


4.) Have you talked to your insurance company about a possible increase in premiums as liability is greater in a non-owner occupied home?

5.) Will you allow pets? Cats? Dogs? How big a dog?

6.) How will you actually collect the rent? By mail? In person?

7.) Repairs are part of being a landlord. Who will take tenant calls when necessary repairs arise?

8.) Do you have a list of craftspeople readily available to handle these repairs?

9.) How often will you do a physical inspection of the property?

10.) Will you alert your current neighbors that you are renting the house?

This Article was Provided by the Keeping Current Matters Crew and Neal Paskvan

“Neal Paskvan is a Real Estate Agent in Downers Grove with Baird and Warner”
Neal also writes on his own blog about every thing Real Estate
Click Here to Visit Neal's Blog
Neal is also a regular contributor to the Downers Grove Patch
Click Here for the Downers Gove Patch

The Downers Grove / Darien Real Estate August Newsletter is Here

Dog With News Paper?

The August issue hot off the press… ( well the word processor actually). Lot’s of interesting news and ideas in this months issue on the local and national level. Check it out and let me know what kind if information you would like to see in future issues!

Have a GREAT AUGUST… All my best to you and yours. Neal Paskvan- Baird Warner



Click Here For the August DOWNERS GROVE / DARIEN Newsletter -

“Neal Paskvan is a Real Estate Agent in Downers Grove with Baird and Warner”
Neal also writes on his own blog about every thing Real Estate
Click Here to Visit Neal's Blog
Neal is also a regular contributor to the Downers Grove Patch
Click Here for the Downers Gove Patch

Open Houses Downers Grove area for Aug 3rd and 4th Provided by Neal Paskvan at Baird and Warner Downers Grove

Did You Know There are Over 15 Open Houses In Downers Grove, Darien, Westmont and Woodridge  This Weekend August 3 and 4th

Did You Know You Know... That You Can Search for Open Houses Anywhere in the Chicago Area using Baird and Warner's Powerful Open House Search!  

Click Here for the Downers Grove Area Open Houses

Click Here to Start Your Personal Home Search

“Neal Paskvan is a Real Estate Agent in Downers Grove with Baird and Warner”

Homes for Sale in Downers Grove

Did you know there are over 600 Homes for Sale in Downers Grove Right Now?    Prices Range from $33,000 to 3.5 Million

Search Powered by Baird and Warner ChicagoLands #1 Home Search Site

Click here to See all Downers Grove Homes for Sale

Neal Paskvan is a Real Estate Broker with Baird and Warner

You can Contact Neal any time to get more info on any property

Click here to get ALL my Contact info

Another Tip on Keeping Cool Before You Call the A/C Guy……………. Cottonwood Trees and Your Air Conditioner

Due to the warm weather this spring in Chicagoland  the little “Snowflakes” fell early!

 

Cottonwood A/C Coil Clogs

Think about it for a moment… During the peak of cottonwood season, fuzzies are flying around your neighbor hood. This is when they attack your air conditioner. No they don’t use magic, or contain some sort of chemical agent. Instead, they are sucked into your condenser coil, and the result is reduced air flow across the coil. This will first cause your air conditioner to loose some of its energy efficiency. Although this is a problem, losing a little efficiency will only cost you pennies, but the bigger problem of an over heated compressor can cost hundreds.
Picture this, its 100 degrees outside and your cottonwood seed packed coil can’t cool itself off. Do you see the problem here? Those cute little fuzzies we chase around as kids just burnt out your compressor! Now you have to call up for an emergency service call in the high heat of summer.

From what the experts' tell me, the simple solution is to just fully hose down the grill work around your A/C unit so it can do it’s job!

Click here to see a Video on how it's done

“Neal Paskvan is a Real Estate Agent in Downers Grove with Baird and Warner”

Clutter Bug in Your Home? | Clutter Free Tips | Provided by HouseLogic

Do you constantly clash with the clutter bug in your home? Here are tips on how opposing clutter styles can live in peace.
If you live alone, you never must tolerate anyone’s clutter but your own. Add another human to the household, and you’re bound to butt heads over how and when stuff is stored, piled, and put away.  The Wall Street Journal feels your pain and recently hosted an online chat about clutter styles.
Writer Alina Dizik and psychologist Patty Ann Tublin advised readers — mostly women complaining about packrat husbands and boyfriends — how to navigate relationships between clutter bugs and neatniks.

Here are 5 tips we culled from the conversation:
1. Determine if arguments about clutter are really power struggles. Is the rift really about piles of paper or an attempt to acquire more control? If you can’t figure this out, consult a professional organizer or counselor.
2. To reduce stress in your home, designate “clutter free” and “clutter friendly” areas. Perhaps the guests-only living room is a No Clutter space, while a mudroom or small den can accommodate some clutter. Also, investigate unusual places to store clutter, like under the stairs, or these space-saving hacks.
 Click here for the Rest of the Story

New Price $155,000 in Downers Grove

2-Bedroom and 1-1/2 Bath Close to Everything!

Many Upgrades Make this Home a Super Value ~ Up Dated Kitchen Cabinets and Counter Tops ~ Granite Upgrades in all Bathrooms and Dressing area ~ Anderson Efficient Windows and Sliding Doors, just to name a few ~ Balcony off of Master Bedroom ~ Minutes to I-55 & I-355 ~ Pace Commuter Bus to Metra ~ Moments to Major Shopping ~ Over $20,000 of Recent Upgrades~ Nothing to do but Move in and Enjoy !

Click Here for more Info from Baird and Warner

Take A tour on Youtube

Contact Baird and Warner for a Private Showing.  630-964-1855

Foreclosure Fillings Swell in Chicago Area-By Mary Ellen Podmolik, Chicago Tribune Reporter.

 
As we have mentioned in previous post. The first housing bubbles to burst were in states like California, Arizona, Nevada, as well as Florida. 
 Well indeed the Foreclosure issue has now reached in to the Chicago Area.  If you need some help sorting through all the Headlines feel free to contact me. 

Click here to get the rest of the Story from Mary Ellen Podmolik at the Chicago Tribune

The Downers Grove / Darien Real Estate July Newsletter is Here

The July issue hot off the press… ( well the word processor actually). Lot’s of interesting news and ideas in this months issue on the local and national level. Check it out and let me know what kind if information you would like to see in future issues!

Have a GREAT JULY… All my best to you and yours. Neal Paskvan- Baird Warner




Click Here For the July DOWNERS GROVE / DARIEN Newsletter -

Another Tip on Keeping Cool Before You Call the A/C Guy- Check the Batteries in Your Programable Thermostat.

In a previous post I related a tip about making sure your whole house humidifier was indeed turned off for the summer.

Today I would like to post another article on the same topic. Yep, I Learn new stuff Every Day

Yes it has been 100+ degrees here in ChicagoLand for a few days.  I walked into my house today, and it's not quite as cool as I think it should be. I thought the A/C unit at this point just can't keep up.. However the new A/C unit is only on it's second season and it should be cooler. Off to the Internet I Go..

Seems my programmable thermostat has batteries in it to keep it "talking" my A/C unit.  A quick search on the net said most of them do. So I put some new batteries in and now all is Cool!   The bottom line is keep that thermostat "Talking" to your A/C unit


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