Elmhurst, Lombard and Villa Park real estate and homes for sale in Illinois - Marilyn Kosik, REALTOR® Marilyn Kosik REALTOR(r) for Elmhurst, Lombard and Villa Park, Illinois real estate - NUMBER1EXPERT™ Marilyn Kosik NUMBER1EXPERT(tm) for Elmhurst, Lombard and Villa Park, Illinois real estate
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Marilyn Kosik, REALTOR®, real estate agent and broker for Elmhurst, Lombard and Villa Park Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why I am a top real estate expert. Call me: 630-617-6038.


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Mortgage Prequalification: Elmhurst, Lombard and Villa Park Illinois home buying, real estate listings, and homes for sale in DuPage County, IL
Welcome > For Buyers > Mortgage Prequalification ...


Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend! 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

I help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top Elmhurst, Lombard and Villa Park REALTOR® to offer services such as these. 

Once you fill out the form, I will quickly process your information and get right back to you! 

I can help you pre-qualify for your mortgage. It's my job! This is free and without obligation... 

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Real Estate Tips
Disclosure Laws >Avoiding Delays During Escrow

Unforeseen problems can arise during escrow, and closing dates are never set in stone! Lenders, appraisers, title attorneys, credit check services, or anyone who is involved in the transaction could potentially delay a closing. Stay in close touch with your real estate agent, who will notify you of deadlines and help you deal with delays.

Well-written sales contracts are the key to avoiding problems during escrow. For example, provisions can be included in the agreement that require the buyer to provide evidence of sufficient funds for down payment and closing costs, or to present proof of the ability to obtain homeowner's insurance. Because of new restrictions on insurance policies, the mortgage lender may require insurance before funding the loan.

There is also a section in the sales contract wherein the seller makes a warranty to the buyer of the condition of the property. It is important to make sure that this clause is modified to reflect the seller's transfer disclosure statement. If this is not done, the seller could be required to repair items that are found to be dysfunctional or faulty, and this could add time to the escrow period.

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Real Estate Trivia
Q 
Originally incorporated under the name Georgiana, what is the oldest incorporated city in the United States?

A 
York, Maine, which received an English charter in March 1642, is the oldest incorporated city in the U.S.
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Marilyn Kosik, REALTOR®, 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: Marilyn@MarilynKosik.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!"

Equal Housing MLS REALTOR


The Schiller Office


Schiller Real Estate real estate and homes for sale in Elmhurst, Lombard and Villa Park Illinois

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