Tuesday

Collinsville Home Buyers: Can Your Realtor Help You Get Great Home Loan?

Thanks to my blogs, websites and some very selective advertising, my phone rings with calls, beeps with text messages or dings to lets me know when an email query from a new buyer has come through.

On a good day, it can be a real symphony of sounds squawking forth from the Blackberry.

Ring! Beep! Ding! I love days like that.

Today was one of those days and one new buyer -- I'll call him Mike -- emerged at the head of the pack because he's already done what I asked him to do -- talk to one of my preferred lenders about a mortgage loan.

After a new customer and I first make contact and chat for a while about their real estate goals like Mike and I did today, I ask if they have seen a lender to find out what kind of loan would be best for them.

Very often the answer is, no, they haven't talked to a lender yet. Mike admitted that he -- in his own words -- was "clueless" about how to go about getting himself and his wife and kids a place to call their own.

I  gave him the name of a lender who I trust to do a great job making a decision about the best loan for his situation. Before the day was over, the lender called to let me know that Mike had talked to him and they are meeting tomorrow to go over the process.

So, in a sense -- yes -- as your Realtor, I can help you get pre-qualified and pre-approved for that mortgage loan you need to become a homeowner. I do it by making sure you talk to a good lender who I trust to give you the best possible advice.

"My" lenders (I get proprietary about people who do a great job for my clients) know about:
  • Grant programs in Madison County and St. Clair County, Illinois (the two counties in which I do most of my work) to get money for closing costs and other pre-paid items for my buyers who meet certain income levels
  • VA loans for military veterans
  • FHA loans with small downpayment criteria
  • USDA Rural Development loans for buyers who are considering homes outside of the cities
  • 203K Loans for both the purchase and rehab of a home
  • Credit repair -- for free -- for buyers who are on the edge of qualifiying for a loan
  • They even have conventional loans with 3 percent downpayments as I write this post
Folks, a good lender will have a smorgasbord of choices and will match your needs and circumstances to their offerings.

Conversely, if a buyer has too many credit problems to allow them to become a homeowner right now, these good lenders will tell them to wait a while and just rent for the time being while they work on bringing their debt to income ratio into balance.

If you're in the market for a home in Collinsville -- or anywhere throughout Madison, St. Clair and Macoupin counties, and you need to take the first step of getting a good loan -- call or text me at 618-791-8007 or email Nancy@GoshenRealtyGroup.com to talk about it.

Together your lender, your Realtor (that's me) and the most important person in this process -- you -- will make a great team to get your loan done, get your next home selected and get you to a smooth closing.

Wednesday

HUD Homes for Sale in Collinsville

If you're looking for a HUD-acquired home in Collinsville, Illinois, this is the place.

Buyers can browse for HUD homes on the official website, but to make an offer, they need the services of a HUD-registered broker's agent.

Currently there are six HUD properties available in Collinsville ranging in price from $110,000 to $65,000. 

Call me at 618-791-8007 or email Nancy@GoshenRealtyGroup.com to see the HUD homes in Collinsville you're interested in. We can preview the homes and make an offer when you're ready to bid.

HOMES FOR SALE IN THE CAMELOT NEIGHBORHOOD

Camelot -- as the Broadway musical tells us -- is a "most congenial spot for happy ever-aftering."  That's an apt description for this neighborhood of well-kept homes in Collinsville, IL.

Click here to see homes currently for sale in the Camelot neighborhood. 

The neighborhood is conveniently located near IL-159, Keebler Road and the Beltline, making it easy for Collinsville commuters to access the Interstate highways -- 270, 55, 255 and 70 -- that criss-cross this central part of St. Louis' Illinois suburbs.

Camelot is located in the Collinsville School District.

To discuss homes for sale in the Camelot neighborhood of Collinsville, Illinois, call, text or email Nancy at 618-791-8007.

Friday

Collinsville Italian Fest

You can dance, stomp grapes and mangia bene (eat well) today and tomorrow during the annual Italian Fest in downtown Collinsville, Illinois.

Italian Fest, which is held in September is always one of the most popular and well-attended in St. Louis' Illinois suburbs.

The weekend's highlights typically include the Grape Stomp at noon on Friday, Saturday's 5K Run/Walk at 8 a.m. beginning on Main Street, the Bocce tournament at 10 a.m. in Glidden Park, the Wine Contest and Tasting from 2 to 4 p.m. in the Hospitality Tent and the parade at 4 p.m. at Main and Clay streets.

Foodies will appreciate the variety of Italian specialties served at the event ranging from Chicken Spedini, Italian Beef and Salsiccia to Meatball Sandwiches, Lasagna and Tuscan Bruschetta. Dessert offerings include Italian Ice, Spumoni, Cheesecake and Amaretto Kettle Corn. After your meal, you can relax in the festival's Wine Garden.

Plenty of fun is waiting for the little ones at the festival with Bounce House inflatables, a climbing wall and the annual Diaper Dash baby race.

Bands also play during the two-day event.

Plenty of parking is available throughout downtown Collinsville, but please note that the festival closes the streets from Morrison (IL-159) to Seminary.

Why an Italian festival in Southwestern Illinois? Mining was Collinsville's earliest industry and many of the men who came to this area to work in the mines were from Italy. Their customs and traditions are kept alive by their descendants today. You can learn more by visiting the "Men of the Mines" exhibit at the Collinsville Public Library..

For complete details on the event, visit the Collinsville Italian Fest web site.

Wednesday

Collinsville Home Owners: Get a Free Home Value Report By Email

Collinsville homeowners: Would you like to know what homes are selling for in your area? Just fill in the form below and we'll get back to you within 24 hours with a report on recent comparable sales in your area of Collinsville.

Saturday

Homes for Sale in the Collinwood Neighborhood of Collinsville

Are you interested in looking at homes in the Collinwood subdivision in Collinsville, Illinois?

Just click this link for all the details on homes currently listed in this popular neighborhood.

Collinwood is located near IL-159 and I-55/70, so it's a great spot for anyone interested in an easy commute in Madison and St. Clair counties or to a workplace in St. Louis city or county.

New Construction Home in Collinsville Under $160,000

Yes, there are occasionally individual new construction homes available in Collinsville.

Click this link to see current listings, including one that is priced at less than $160,000 today.  (Keep in mind that home inventory changes very quickly and listings come and go as they go under contract and as sales are completed.)

Call us at 618-791-8007 to discuss your real estate goals or email Nancy@GoshenRealtyGroup.com.