“We’re ready to buy a new home!” Easy words to say, but not so easy to do. Purchasing a house is a multi-step process and each step must be finished completely before moving on to the next. Garry Real Estate has created our Home Buyers checklist, which is filled with explanations, tools and tips to make your home buying experience smooth and easy.
Whether you need to accommodate your growing family, or are investing for your future, now is the best time to explore the housing market. The best place to start on this exciting new venture is with us, call us today, to find your new property.
Before you start shopping for your property, make some preparations. While every home buying experience is unique, there are some universal steps you can take to make sure everything goes as smoothly as possible. An ounce of preparation can save the day.
Build Your Green File
A green file is a folder containing copies of all your important financial documents. Keep the originals in a secure, fire proof place. You will need these documents to get pre-approved financing for your new home. A typical green file should contain:
Recent Pay Stubs
Tax Returns For The Last Two Years
Copies of Any Leases From Investment Properties
Stock, Bonds, and Mutual Accounts Information
Check Your Credit Rating
Your credit score will help determine what size loan you are eligible for and what the terms will be. We recommend you check your credit rating with an experienced lender so you can determine how much you can afford to spend on a home. The lender will typically research your credit ratings from the three credit reporting agencies Equifax, Experian and TransUnion. We will be happy to recommend an experienced, knowledgeable lender in the residential, construction, commercial and investment real estate field. BE CAUTIOUS WITH YOUR FINANCES.
First rule of buying is knowing how much house you can afford. Once you know that, it helps us narrow down the list of opportunities that are available in your price range. Below you will find an excellent tool to quickly calculate just how much you can afford to spend. Fill in the fields below and you’ll find the ballpark amount in a just few moments. Please always remember that your lender will have a much better picture of your overall financial condition, so they will provide a much more accurate number. This is just a quick tool to get all of us pointing in the correct direction. In addition each home will have a different tax bill and many communities require residents to pay annual or monthly HOA “home owners association” dues. Both of these factors will greatly impact the total loan amount that you will be approved for.
Now that you have spoken to a lender and those those preparations are out of the way, it’s time to find the right property for YOU.
To make the process of getting to know your potential new neighborhood easier, we have created the next few tabs to allow you quick access to important information about Schools, Local Businesses and Demographics for the area.
Register with Garry Real Estate and you will be able to save your searches and share the list of properties you want to visit with your agent. This will expedite the process of scheduling your showings.
A home inspection is not required, but highly recommended. This will no doubt be the largest purchase you make. Spending a couple of hundred dollars to have a qualified person thoroughly inspect your future home may prevent thousands of dollars of unexpected repairs later on. Contact a licensed home inspector of your choice (if you are working with a “buyers agent”, then he/she may recommended one). The home inspector will set an appointment that is convenient for you. The inspection must take place during your inspection period, usually 10 days from acceptance of your offer.
If you are obtaining a loan, you will be required by your lender to purchase a certain amount of insurance for the property. The value of the insurance will depend on the lending institution and the final purchase price of the property. You may be able to save hundreds of dollars a year on homeowners insurance by shopping around for insurance on your own. Increasing your deductible by just a few hundred dollars can make a big difference in your monthly premium. Ask your insurance agent about any discounts. You may be able get a lower premium if your home has some safety features such as dead-bolt locks, smoke detectors, a full alarm system, storm shutters or fire-retardant roofing materials, depending on the insurance company. Any persons over 55 years of age or long term customers may also be offered different discounts. Insure your actual house and not the land it’s on. In case of a disaster, the land will still be there. If you do not subtract the value of the land when you decide how much homeowner’s insurance to buy, you will usually be asked pay more than you should.
The final inspection usually takes place a day before, or the actual day of closing. You will visit the property one final time to verify that everything is in working order, that everything is the same as the last time you viewed the property, that there are no extra items left behind by the previous owner, and that everything included in your purchase is still there.
Bring the following items to the closing:
Picture I.D. (drivers license, passport, etc.) The closing attorney will need to make a copy of it for the registry of deeds.
Personal checkbook. In case you have to pay for any incidental charges such as heating oil, bottled gas, taxes, etc. that have already been paid by the seller.
Certified Check in the amount given to you by your lender.
We are there to help you should an unforeseen issue pop up, even at this stage. In case something at the property breaks or some other minor detail rises up there is no need to worry. These things happen, so we know how to handle them efficiently and in a stress free manner.
The closing agent will furnish all parties involved with a settlement statement. The settlement statement summarizes and details all the financial transactions enacted in the process. You and the seller(s) will sign the statement together with the closing agent, certifying its accuracy. If you are actually obtaining financing, you will have to sign all pertinent documentation required by the lending institution as well. If you are unable to attend the scheduled closing, arrangements can be made depending on the circumstances and the notice you give us. If you are bringing the funds to the transaction, you can choose to either have the funds wired electronically into the aforementioned escrow account, or bring a certified bank check to the closing in the amount specified on the settlement statement. The seller will usually arrange to have all property keys and any other important information and items for you at the closing so that you may receive them at this time.
“Candy and Dave with Team Goddard were instrumental in helping me sell a niche rental property in July 2023, for cash, in a record time and a most hassle free process!! Their accumulated experience, knowledge, problem solving skills and business insight taps into all aspects of real estate. They are resourceful, responsive, respectful of your investment and bottom line and will close any deal out there regardless of which side of the ticket they’re on. Hands down, the best possible team you can hire for your real estate needs in the Chicagoland area. Thank you guys for yet another great experience using you!”
“Ok I will start off saying I know a lot of realtors and by far Candy & Dave are the best I’ve ever seen. They care about there clients. They constantly communicate through texts, emails, voicemails, and phone calls. Candy is definitely a GO getter and she is on top of her game. She will provide the most honest information and she will fight to get you top dollar for your house however she will provide honest information on comparables and will explain to you how to get the best value out of your house. Dave & Candy will lead you for success and tell you things like if you tighten this cabinet or paint this wall or anything that is not sticker shocking. These people are very knowledgeable. I felt I should write this long information because I had such a wonderful experience and please don’t be like oh yea this review is because this person knows Candy & Dave. I want to put it out there I do not know them or have any history with them I litteraly met them a couple months ago and they sold my house in 24 hours of listing…. So I do know they now will become my friend and connection for future purchases!!! Great job guys and thank you for all your connections and hard work!! Keep doing what your doing!! The real world out there is in it to make a buck. You guys are in it for a buck as well but the difference with you guys you actually care about your clients!! ❤️”
This two story home has 4 bedrooms, 3.5 bathrooms, a 3 car garage, a massive 4 season room, and a huge back patio. 3,896 square feet of finished living area is spacious. Only $509,896! Contact Dave or Candy for a showing today 630.310.8315 or email [email protected]
Welcome to 210 Remington Dr in Bartlett, IL! This charming house, located in the sought-after Westridge subdivision, offers a warm and comfortable living experience. With 4 bedrooms plus an additional bedroom in the basement, 3.5 bathrooms, and a 3-car garage, this home has plenty of space to accommodate your needs.
As you approach the property, you’ll immediately notice the 3-car heated garage and the HUGE 50’x12′ concrete side drive, perfect for storing your summer “water” toys or a large RV. Inside, the open concept layout, soaring front entry, and dual staircase create an inviting atmosphere that is ideal for entertaining.
The oversized eat-in kitchen showcases newer stainless steel appliances and a movable center island, allowing for seamless connectivity to the sun-drenched expanded family room. Relax by the cozy gas start fireplace in the family room and enjoy quality time with loved ones. The first floor also features a vaulted ceiling formal living room, a dining room, a laundry room, and a remodeled powder room, providing both functionality and style.
Upstairs, the private master bedroom suite offers a double door entry, a 10′ vaulted ceiling, a huge walk-in closet, and a luxurious master bathroom. The master bathroom is equipped with a large soaker tub, a separate shower, and a double vanity sink. Three generous-sized bedrooms and a hall bathroom complete the upper level.
The fully finished basement is a fantastic bonus space, featuring a large rec room with recessed lighting, a fifth bedroom with double doors, a full bathroom, and ample storage space. This additional living area provides versatility and flexibility for your lifestyle needs.
Step outside and enjoy warm summer nights on the paver brick patio in the fully fenced-in backyard, offering privacy and a great space for outdoor activities.
Notable updates include a Lennox HVAC system in 2019, a new roof, siding, and gutters in 2014, all stainless steel appliances in 2017, and a GE washer/dryer in 2018. With these updates, you can move in with peace of mind and enjoy the benefits of a well-maintained home.
Conveniently located, this home provides easy access to Nature Ridge Elementary School, which is only a block away. You’ll also have quick access to Downtown Bartlett, the Metra station, Bartlett Aquatic Center, Rt 59, and I-390, making commuting and leisure activities a breeze.
Don’t miss the opportunity to make this move-in ready house your new home. Experience the comfort, space, and convenience of 210 Remington Dr. Contact us to schedule a showing today!
Only $469,896! 4 bedroom 2.5 bath recently renovated home in Bartlett. This home has 3,017 square feet of living space with a 2.5 car garage, a rec room and an office, and large backyard. Contact us @ 630.310.8315 or [email protected] to schedule a showing.
From the MLS: Enjoy this charming tree lined parcel in Williamsburg Commons. This spacious home has undergone recent updates, including beautiful hardwood flooring, recessed canlighting, and solid wood French doors between the formal living room and dining room. The gourmet kitchen has been expanded and updated with 42″ Cherry Cabinets, Volga bluegranite countertops, and stainless steel appliances, making it a chef’s dream. Upstairs, the hall bath has been recently updated with a jacuzzi tub, while the primary suite featuresan enormous walk-in closet and a completely updated spa-like bath with a stunning marble shower surround, seamless shower door and an updated vanity in 2020. The lower levelhas also been updated with beautiful stone tile, a marble fireplace surround, and wood-look tile flooring. The utility room has been converted to a office/salon, but it can easily beconverted back to a laundry room. In addition to all these features, the sub-basement offers an additional rec room and utility area with plenty of room for storage. Recent outsideimprovements include brand new vinyl siding, gutters, and an A/C unit added in 2020, making this home an excellent value. Overall, this house is a beautiful blend of modernupdates and classic charm, making it an ideal place to call home. Located only blocks away from parks, bike paths, Bartlett Downtown & Metra Train Station, local shopping,restaurants and Bartlett Hills Golf Course.
This two story home has 3 bedrooms, 2.5 bathrooms, a 2 car garage, a massive 4 season room, and a huge back patio. 2,340 square feet of finished living area is spacious. Only $399,896! Contact Dave or Candy for a showing today 630.310.8315 or email [email protected]
From the MLS: Experience your own private oasis in this beautiful home located along the border of Wayne Grove Nature Preserve. Inside, you’ll find a beautifully updated kitchen featuring custom Birch cabinets, gleaming Quartz countertops, a spacious breakfast bar, glass tile backsplash, inviting recessed lighting, and stainless steel appliances. Hardwood floors throughout the main level add charm and warmth to the formal living room and dining room, while the family room boasts a cozy custom stone fireplace and built-ins for the perfect ambiance. Enjoy breathtaking year-round forest preserve views from the inviting 4 season room or the expansive 26’x24′ concrete and paver brick patio with a cozy fire pit. The luxurious master suite offers a spacious walk-in closet and an updated master bath with newer lighting, double vanity sinks, marble-look tile, separate tub, and shower with adorable solid surface surround. The partially finished basement provides a versatile space for entertaining, home office, or gym. Located only blocks away from parks, bike paths, Bartlett Downtown Metra Train Station, and local shopping and restaurants. You’ll also have easy access to Elgin O’hare I390, just 3 miles away, and I90, just 6 miles away. Don’t miss your chance to make this beautiful home yours, schedule your showing today!