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First Time Homebuyers: Elmhurst, Lombard and Villa Park Illinois home buying, real estate listings, and homes for sale in DuPage County, IL

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORSŽ Are Your Professional Guides. Make Sure You Choose a Top Expert.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Elmhurst, Lombard and Villa Park real estate expert, it's my job to guide you, from beginning to end.

I will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached.

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly...

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Self Employed >No Problem

There is no doubt about the fact that it could be more difficult for you to get a mortgage loan if you are a free lance viola player than if you are a government accountant. Traditionally, lenders have been more cautious when evaluating loan applications from buyers who are self-employed than from those who work for a regular salary.

If you are self-employed, there is no reason for you to shy away from applying for a home mortgage loan, especially if your earnings have been in the same field for at least two years. Before you begin your search for a house, it is a good idea to meet with an agent of your choice who will be happy to accompany you as you meet with one or more loan officers. They will probably want to analyze your tax returns for the past 2 or 3 years. Because people who are self-employed can write off many expenses that salaried individuals cannot, it is possible that self-employed individuals may look impoverished on paper. Try to get pre-approval from the lender, and ask for a letter to that effect which the real estate agent can attach to any offer you submit on a home. This will make you look more attractive to the sellers.

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Q	What was the longest distance a building has ever been moved?
A	Detroit's five-story Gem Theater, built in 1927, was moved 1,850 feet (5 blocks) to make way for two new sports stadiums.
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Marilyn Kosik, REALTORŽ, real estate agent and broker for Elmhurst, Lombard and Villa Park Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

Marilyn Kosik
Schiller Real Estate
540 South York
Elmhurst, IL. 60126
630-617-6038
630-530-8087
Fax: 630-834-9454
Email: marilynkosik@NUMBER1EXPERT.com
Having lived in Elmhurst nearly her entire life gives Marilyn Kosik an edge. She is extremely knowledgeable about the area's schools, neighborhoods and community organizations. Marilyn has dedicated herself to real estate since 1974. Marilyn has been Schiller Real Estate's top listing agent since 1988 and has sold between 5 and 9 million each year for the past seven years. "I really want to help people achieve their goals, whether it is to own a first home, move up to a second home, relocate to a new area or invest. I am able to achieve that through real estate." Marilyn is dedicated to doing the best job she possibly can for each and every one of her clients- "I wish to make them clients for life!"

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