The Jana Caudill Team Blog

3 Bedroom, 2.5 Bath Cape Cod for Sale in Crown Point

Jana Caudill (Keller Williams Realty Leaders) — Wed, 20 Aug 2008 15:17:22 -0500

BETTER THAN NEW custom built 1.5 story home. You'll love the floor plan! Entranceway leads to great room with 12' ceiling, custom windows, hardwood flooring and gas log fireplace w/remote. Open concept kitchen and dining area with beautiful custom maple cabinets, island, wood floors and stainless steel appliances. French doors lead to the den which could be used as a formal dining room if desired. Master bedroom features tray ceiling plus outside door to deck. Stylish master bath with hot air Jacuzzi tub, glass block ceramic shower, custom cabinet w/granite counter and large walk-in closet. Also convenient main floor laundry and bath. Open stairway leads to 2 bedrooms with vaulted ceilings, full bath and play/rec room. 1456 sq. ft. basement and 2.5 car garage. Notice the custom paint, rounded corners, and 6 panel wood doors & trim. Quality throughout with many extras! Covered front porch and rear deck are both great for relaxing! Beautiful landscaping and meticulously kept lawn.

For more information, go to http://www.thejanacaudillteam.com

1 Bedroom, 1.5 Bath Ranch for Sale in Hebron

Jana Caudill (Keller Williams Realty Leaders) — Wed, 20 Aug 2008 14:43:34 -0500

Peaceful living - This resort style property is the get away that you've been looking for with 175 ft of frontage on the Kankakee River. Enjoy your own boat launch, expansive deck overlooking the river, heated 8+ car garage/workshop and screened porch are just a few of the great amenities this gem offers. A must see!

For more information, go to http://www.thejanacaudillteam.com

Help has arrived: U.S. Congress comes through with relief by David Reed

Jana Caudill (Keller Williams Realty Leaders) — Mon, 18 Aug 2008 09:29:42 -0500

The Housing and Economic Recovery Act of 2008, the most sweeping housing legislation since the Depression era, was passed by the U.S. Senate and House of Representatives at the end of last month and was signed into law by President Bush. The new law addresses various aspects of the housing downturn, including assistance for homeowners who are behind on their mortgages, federal oversight of Fannie Mae and Freddie Mac, and funding for cities to buy and fix up foreclosed properties. Many of the provisions of the new law go into effect October 1, 2008 but for first-time home buyers who bought, or will buy, their home between April 9th of this year and July 1, 2009, there's an immediate bonus- a tax credit of up to 10 percent of the sales price, up to $7,500. Note that this is a tax credit, not a tax deduction. A deduction is an item that is subtracted from your annual income before income taxes are calculated. A tax credit is subtracted from the amount of taxes you owe.

"First-time home buyer" is specifically defined in the new law, and includes those who may have owned a home in the past, but not within the last three years. To qualify, be prepared to show your last three years? worth of income tax returns to prove that you did not pay mortgage interest during that period. There are also income limitations on the tax credit - $75,000 per year if you're single and $150,000 if filing a joint return to qualify for the full credit, but the credit does phase out beyond those amounts up to $95,000 for singles and $170,000 for joint filers.

By the way, the tax credit isn't a gift - you have to pay it back. Nevertheless, it provides an initial reprieve, as repayment doesn't begin until two years after purchase, and is payable over a 15 year period. If you sell the property before the tax credit has been fully repaid, any remaining amounts owed are due to the IRS upon closing.

Applying for the tax credit isn;t mandatory, but for many, it will make home ownership feasible in the coming year and that's exactly what the tax credit is intended to accomplish.

The Hartford by Carrsons Development

Jana Caudill (Keller Williams Realty Leaders) — Sat, 16 Aug 2008 15:53:19 -0500

Introducing the Hartford by Carrsons Development: available where convenience and affordability meet with prestige in The Highlands of Ellendale Farm. Carrsons is committed to providing exceptional selections, design, and construction at fair and reasonable pricing. Their exacting standards and attention to detail insure your investment in quality. This 2947 sq ft two story offers four bedrooms and 2.5 baths. Spacious floor plan boasts a luxurious master retreat complete w/separate sitting area & master bath including garden tub w/separate shower. Additionally, this home offers a 2 story foyer, great room with fireplace, main floor den, and ultra convenient 2nd level laundry, all on a full walk-out basement. This home is one of eight you may choose to build on this lot or others. Each home features 2 x 6 construction, Andersen windows, Delta faucets, sodded front yard and landscape package, available GE appliance package & much more.

For more information, go to http://www.thejanacaudillteam.com

The Ingram by Carrsons Development

Jana Caudill (Keller Williams Realty Leaders) — Sat, 16 Aug 2008 15:26:59 -0500

Introducing the Ingram by Carrsons Development: available where convenience and affordability meet with prestige in The Highlands of Ellendale Farm. Carrsons is committed to providing exceptional selections, design, and construction at fair and reasonable pricing. Their exacting standards and attention to detail insure your investment in quality. This 2841 sq ft two story offers four bedrooms and 2.5 baths. The spacious, wide open floor plan is perfect for entertaining, w/all bedrooms neatly tucked away in the privacy of the 2nd level. Additionally, this plan offers a 2 story foyer, great room w/fireplace, main floor study, formal dining room, mud room & ultra convenient 2nd floor laundry all on a full basement. This home is one of eight you may choose to build on this lot or others. Each home features 2 x 6 construction, Andersen windows, Delta faucets, sodded front yard and landscape package, available GE appliance package & much more.

For more information, go to http;//www.thejanacaudillteam.com

The Jennings by Carrsons Development

Jana Caudill (Keller Williams Realty Leaders) — Sat, 16 Aug 2008 14:53:48 -0500

Introducing the Jennings by Carrsons Development: available where convenience and affordability meet with prestige in The Highlands of Ellendale Farm. Carrsons is committed to providing exceptional selections, design, and construction at fair and reasonable pricing. Their exacting standards and attention to detail insure your investment in quality. This 2646 sq ft two story offers four bedrooms and 2.5 baths. Spacious floor plan boasts a luxurious main floor master suite with master bath including a garden tub and separate shower. Additionally, this plan offers a covered front porch, 2 story foyer, great room with fireplace, main floor study, main floor laundry/mud room & 2nd floor loft all on a full basement. This home is one of eight you may choose to build on this lot or others. Each home features 2 x 6 construction, Andersen windows, Delta faucets, sodded front yard and landscape package, available GE appliance package & much more.

For more information, go to http://www.thejanacaudillteam.com,

The Kenton by Carrsons Development

Jana Caudill (Keller Williams Realty Leaders) — Sat, 16 Aug 2008 14:21:15 -0500

Introducing the Kenton by Carrsons Development: available where convenience and affordability meet with prestige in The Highlands of Ellendale Farm. Carrsons is committed to providing exceptional selections, design, and construction at fair and reasonable pricing. Their exacting standards and attention to detail insure your investment in quality. This 2672 sq ft two story offers four bedrooms and 2.5 baths. The spacious, wide open floor plan is perfect for entertaining, w/all bedrooms neatly tucked away in the privacy of the 2nd level. Additionally, this plan offers a 2 story foyer, great room w/fireplace, main floor study/formal dining room, mud room & ultra convenient 2nd floor laundry all on a full basement. This home is one of eight you may choose to build on this lot or others. Each home features 2 x 6 construction, Andersen windows, Delta faucets, sodded front yard and landscape package, available GE appliance package & much more.

For more information, go to http://www.thejanacaudillteam.com

The Newcastle by Carrsons Development

Jana Caudill (Keller Williams Realty Leaders) — Sat, 16 Aug 2008 13:47:13 -0500

Introducing the Newcastle by Carrsons Development: available where convenience and affordability meet with prestige in The Highlands of Ellendale Farm. Carrsons is committed to providing exceptional selections, design, and construction at fair and reasonable pricing. Their exacting standards and attention to detail insure your investment in quality. This 2030 sq ft ranch offers three bedrooms and two baths. Enjoy the convenience of single-story living. This wide open floor plan offers a great room with fireplace, conveniently located main level laundry/mud room & master suite with private bath featuring garden tub & separate shower, all on a full basement. Entertaining will be a breeze on the covered back deck. This home is one of eight you may choose to build on this lot or others. Each home features 2 x 6 construction, Andersen windows, Delta faucets, sodded front yard and landscape package, available GE appliance package & much more.

For more information, go to http://www.thejanacaudillteam.com

The Edgewater by Carrsons Development

Jana Caudill (Keller Williams Realty Leaders) — Sat, 16 Aug 2008 13:21:00 -0500

Introducing the Edgewater by Carrsons Development: available where convenience and affordability meet with prestige in The Highlands of Ellendale Farm. Carrsons is committed to providing exceptional selections, design, and construction at fair and reasonable pricing. Their exacting standards and attention to detail insure your investment in quality. This 1920 sq ft ranch offers three bedrooms & two full baths. The split floor plans combines privacy with the convenience of single-story living. This home offers a great room with fireplace & vaulted ceiling, master bedroom with coffered ceiling & master bath w/garden tub & separate shower, formal dining room, & main floor laundry, all on a full daylight basement. This home is one of eight you may choose to build on this lot or others. Each home features 2 x 6 construction, Andersen windows, Delta faucets, sodded front yard and landscape package, available GE appliance package & much more.

For more information, go to http://www.thejanacaudillteam.com

3 Bedroom, 2 Bath Ranch in Crown Point by Carrsons Development

Jana Caudill (Keller Williams Realty Leaders) — Sat, 16 Aug 2008 12:11:04 -0500

Introducing the Douglas by Carrsons Development: available where convenience and affordability meet with prestige in The Highlands of Ellendale Farm. Carrsons is committed to providing exceptional selections, design, and construction at fair and reasonable pricing. Their exacting standards and attention to detail insure your investment in quality. This 1809 sq ft ranch offers three bedrooms and two baths. Split floor plans combines privacy with the convenience of single-story living. Open plan offers great room w/fireplace, formal dining room & master suite w/private bath featuring garden tub & separate shower. Entertaining will be a breeze on the covered back deck accessible through great room & dinette area. This home is one of eight you may choose to build on this lot or others. Each home features 2 x 6 construction, Andersen windows, Delta faucets, sodded front yard and landscape package, available GE appliance package & much more.

For more information, go to http://www.thejanacaudillteam.com.

4 Bedroom, 3 Bath Ranch for Sale in Crown Point

Jana Caudill (Keller Williams Realty Leaders) — Fri, 15 Aug 2008 16:28:23 -0500

All brick ranch located on White Hawk championship golf course. Enjoy views from the 500 SF covered rear porch. Quality, custom built home! Formal living and dining rooms have 12' ceilings, crown molding and Brazilian cherry hardwood floors. Open concept family room features custom brick fireplace and sliding door to porch. Beautiful gourmet kitchen with custom cherry & glazed maple cabinetry, pantry, stainless steel appliances, breakfast bar plus dinette area with lots of windows for a great view! 10' double tray ceiling hi-lights the master bedroom with access to the porch. Master bath with whirlpool, double vanity, separate shower and walk-in closet. Split design with 2 bedrooms sharing a Jack & Jill bath. 4th bedroom makes a great office. Convenient laundry room. Over 3000 sq. ft. plus huge basement that could be finished for more living area. Plenty of space in the 3.5 car finished garage. Beautifully landscaped with in-ground sprinklers. Fantastic home in a great location!

For more information, go to http://www.thejanacaudillteam.com

4 Bedroom, 2 Bath Bi-Level for Sale in Merrillville

Jana Caudill (Keller Williams Realty Leaders) — Fri, 15 Aug 2008 14:43:55 -0500

Well maintained split level home featuring 4 bedrooms and 2 full baths situated on large corner lot. Decorative paver patio welcomes you to ceramic foyer with coat closet. Upper level has spacious living room with sliding door to deck that has staircase leading to nicely landscaped fenced yard. Living room is open to large eat-in kitchen including plenty of cabinet space and all appliances! Three good sized bedrooms (two with ceiling fans) and full bath offering privacy door that separates vanity from large jacuzzi tub complete upstairs. Finished lower level features large rec room with brand new carpet, 4th bedroom w/ canned lighting, 2nd full bath, and finished laundry room with washer & dryer included! This home is move- in ready and priced to sell! Schedule your showing today!

For more information, go to http://www.thejanacaudillteam.com

4 Bedroom, 1.75 Bath Bi-Level for Sale in Crown Point

Jana Caudill (Keller Williams Realty Leaders) — Tue, 12 Aug 2008 13:24:48 -0500

Well maintained 4 bedroom spilt level home offering over 2100 sq ft, situated on large nicely manicured lot. Upper level features good sized living room, formal dining room with sliding door to deck, and eat-in kitchen with new flooring and all appliances stay! Three good sized bedrooms with ceiling fans and full bath complete upper level. Plenty of room for entertaining in finished lower level including large rec room which is open to office/media room, oversized laundry room with washer & dryer, spacious 4th bedroom, and bath. Laundry room walks out to 2 car attached garage with opener. This home is priced to sell and ready for new owners! Brand new roof was just replaced in June. Schedule your showing today!

For more information, go to http://www.thejanacaudillteam.com

3 Bedroom, 1.5 Bath Ranch for Sale in Crown Point

Jana Caudill (Keller Williams Realty Leaders) — Tue, 12 Aug 2008 12:38:05 -0500

MOVE-IN READY!!! Beautiful, well maintained 3 bedroom ranch home in a great location near schools, hospital, shopping and commuting. Open concept kitchen, dining and large living room with plenty of windows to the back yard. Nice sized bedrooms with 1.5 baths. Convenient laundry/utility room. Furnace, air conditioner and water heater are all less than 3 years old. 2.5 car garage. Wonderfully landscaped yard surrounds this cedar & brick home.

For more information, go to http://www.thejanacaudillteam.com

A Bad Wrap! by David Reed

Jana Caudill (Keller Williams Realty Leaders) — Mon, 11 Aug 2008 16:43:40 -0500

We've all heard the term, "wrap around," but what exactly does it mean? A wrap around mortgage, or simply a "wrap," is an agreement where the buyer of a property makes monthly payments to the seller of a property, who then pays the original lender each month. This is perceived as a way of an owner "selling" a property to a buyer without the buyer obtaining conventional financing.

While a wrap can be viewed as a traditional sale, in reality it's anything but.

All mortgage loans contain a "due on sale" clause. That means if the current owner of the property sells or otherwise transfers ownership then the lender can immediately call the loan in completely. In other words the lender says, "Okay, you sold the property, we want our money." In the past, the due on sale clause was not as prevalent, but now all mortgage loans contain such language.

So how would the lender ever know? First, if it's a legal transfer of ownership, the sale would be recorded and therefore become public record. Lenders would receive notice from the companies they employ to monitor such transactions. The lender could also find out following the change of the original owner's mailing address.

Now say the owner of the property tells you that they could "carry the note" for you if all you did was make monthly payments directly to him or her. If your agreement was to pay $2,000 per month, those funds could then be directly applied to their original mortgage payment.

Many wrap arrangements require a substantial down payment from the buyer along with the agreement to make a mortgage payment above and beyond what the real mortgage payment requires. Wraps are typically made because the buyer, the seller or both are unable to secure financing. While it may appear to be a solution to a tough problem, a wrap around mortgage is inherently problematic (and generally not worth the trouble).

For example, what would happen if the seller was notified by the lender that an illegal transfer of ownership took place and the lender activates the no-sale clause and wants all its money back?

First, the seller would have to immediately refinance the current note, which would be nearly impossible because the property would have been sold. A new lender wouldn't finance the new deal nor would the buyer, because the lender wouldn't recognize the new owner.

Second, and perhaps more importantly, what if the buyer indeed made the monthly payments on a regular basis but the owner somehow fell behind and didn't make the payments to the original lender? The lender would be forced to foreclose on the original owner, meaning that the new buyer would lose the down payment and payments to the original owner!

A wrap around isn't a "last resort" method of financing, it's a "no resort." Violating the terms of a mortgage, having the mortgage called in by the lender and the buyer losing his down payment and presumed equity with no legal ownership rights is a losing proposition for everyone!

3 Bedroom, 1.5 Bath Cape Cod for Sale in Hebron

Jana Caudill (Keller Williams Realty Leaders) — Wed, 06 Aug 2008 16:35:12 -0500

Charming 3 bedroom 1.5 bath 2 story home situated on large corner lot with fenced yard. Many updates have been completed throughout making this home a pleasure to show. Good sized enclosed porch welcomes you to main level featuring spacious living room that is open to formal dining with decorative built-in shelves. Dining room leads to nicely remodeled kitchen including new flooring, cabinets, countertops, ceramic backsplash, and cozy breakfast nook. Fenced in patio off kitchen is great for summer entertainment and barbeques. Main floor laundry has also been remodeled with new flooring, cabinets, and fresh paint. Bonus room off main living room makes a perfect office/media room. Upstairs you'll find 3 bedrooms all featuring ceiling fans, master and updated full bath. Basement and detached garage offer plenty of room for storage. This home shows great and is priced to sell! Schedule your showing today!

Getting a cash gift? Lucky you! by David Reed

Jana Caudill (Keller Williams Realty Leaders) — Mon, 04 Aug 2008 09:24:31 -0500

Getting a gift in the form of cold, hard cash to buy real estate is a wonderful thing. Gift funds are a common way parents help their kids buy a home, but there are certain requirements to follow to ensure the gift transfer goes smoothly.

What exactly is a cash gift? Technically, it is a transfer of funds from one party to another without any expectation of being paid back. This non-repayment factor is a key element because lenders can't accurately calculate debt ratios if the gift is in fact a loan. How do lenders determine this? The "givers" are required to sign an affidavit stating that the funds being given are a gift with no repayment expectations.

Who can give a gift? Gifts can come from family members (parents, siblings or grandparents), non-profit agencies, local or state agencies, churches, domestic partners and trade unions.

The party that furnishes the gift must show an "ability to give", which means they have the money available in an account they own. This is documented by providing account statements showing the funds are available. Finally, it must also be documented that the gift funds were transferred from one party to the next and the lucky recipients (and future home buyers) must provide a bank statement showing the gift was received.

While the need for documentation might sound heavy-handed, the truth is lenders need to take every precaution to make sure that the "gift" isn't a "loan." So if you know what the lender expects ahead of time, the gift transfer can be seamless. Just remember, financial gifts over a certain limit may have income tax implications, so be sure and consult with an accountant or tax specialist before getting the mortgage process underway.

One final note to consider. Conventional loans differ from FHA programs in their requirements for reporting gifts to be used toward the purchase of a home. Buyers using conventional financing need to prove that they have at least 5 percent of their own funds in the purchase transaction. However, that requirement is waived if the gift represents more than 20 percent of the purchase price. The FHA loan, on the other hand, merely requires the buyers have at least $500 of their own money at closing, regardless of the amount of the gift.

Credit issues? Your lender can help. By David Reed

Jana Caudill (Keller Williams Realty Leaders) — Mon, 28 Jul 2008 08:55:46 -0500

We frequently hear we're supposed to regularly check our credit reports. And staying on top of this is especially important when starting to shop for a new home. There are three main credit bureaus: Equifax, Experian, and TransUnion. These bureaus store consumer credit histories by the millions, and hundreds of thousands of businesses tap these bureaus for their data about you. Unfortunately, mistakes can happen. Especially if you're not the only "Bob Johnson" or "Susan Smith" who lives in St. Louis.

Let's say you receive a copy of your credit report and find a mistake-what do you do? What if there's an old collection account showing as unpaid when you have the paid receipt and a letter stating that the account has been settled?

Your credit report will show which of the three credit bureaus are reporting the error, and you'll get a toll-free number to call. But if you have ever called one of these numbers, you know to expect anything but friendly service. You know the drill, "Press 1 for English, Press 2 if you are a consumer, Press 3 if you'd like to enroll in our..." and so on. It's likely you'll either leave a voicemail or listen to some sales pitch for a credit protection service. But all you want is to get your credit fixed so you can clean up your report.

You'll be asked to fax your documentation, fill out some forms and then wait for the bureau to fix the report and update your file. This can take time, sometimes weeks. Luckily, there is an easier way: let your loan officer handle it for you.

That's right. You can give that very same documentation to your loan officer and they can have the offending item removed from your credit report in minutes. How can they do it so quickly?

Mortgage lenders use credit reporting agencies. Often. And those same agencies hire customer service representatives to make sales calls to all those mortgage companies. One of their services allows the lender to provide the corrected documentation showing the collection account as having been paid to the credit agency, who will then update the credit report almost immediately. What once showed up as an "unpaid" collection account now rightly shows as "paid." It's that easy.

It's important to regularly check your credit, and if you do find yourself in a situation where your credit report has an error on it, don't go to the bureaus directly. Instead, take advantage of the relationship your lender has with the credit agencies. Your mortgage specialist can fix things much quicker than you can.

4 Bedroom. 3 Bath Ranch for Sale in Crown Point

Jana Caudill (Keller Williams Realty Leaders) — Wed, 23 Jul 2008 13:13:37 -0500

Lovely hillside ranch w/finished walk-out basement located on 10th fairway in Lakes of the Four Seasons. Cathedral ceilings welcome you into foyer and living room w/arched window through to formal dining room. Dining room leads to spacious kitchen offering center island, all appliances & skylight for plenty of sunlight. Cozy breakfast nook w/fireplace is open to kitchen & has walk-out to multi-tiered deck overlooking nicely landscaped rear yard & golf course. Main level master suite features private bath, double mirrored closets & atrium doors to deck. Additional bedroom on main level offers beautiful built-in bookshelves & desk and French doors making it a perfect office or guest bedroom. Finished lower level gives lots of space for additional entertaining w/large rec room w/walkout to lower level patio, 3rd bedroom, den or possible 4th bedroom, bonus room or possible 5th bedroom, & guest bath. This home has been well cared for & is ready for new owners! Schedule your showing today!

For more information, go to http://www.thejanacaudillteam.com

Five Year Increments by David Reed

Jana Caudill (Keller Williams Realty Leaders) — Mon, 21 Jul 2008 09:20:43 -0500

Which is better, a 30-year or a 15-year fixed rate mortgage? A common and important question which, when answered, affects both the monthly payment and the amount of interest paid on a mortgage loan. While paying less interest over a shorter timeframe seems to be the obvious answer, the difference in monthly payment is surprising to some.

For instance, on a $300,000 note at 6.25 percent over 30 years, the principal and interest payment is $1,847 per month. Whereas on that same loan amount over 15 years at 6 percent, the payment jumps to $2,531! It's easy to understand why most choose a 30-year loan over a 15-year loan; not only is the payment lower but it takes less income to qualify.

On the other hand, more money goes to interest on a 30-year loan compared to a 15-year loan. Using those same figures, the 30-year note yields $364,920 of interest, most of it in the first 10 years of the loan, while the 15-year loan only requires $155,580. That's less than half the interest that a 30-year loan produces!

So, which is better? Maybe neither.

While few lenders advertise this, there's a compromise available to you. Loan payment periods can actually be acquired in five year increments. You don't have to choose between a 30 and a 15-year loan! You can select a 10, 15, 20, 25 or 30 year mortgage. Some lenders even offer 40-year loans. Now it's possible to both keep monthly payments manageable and save on interest charges.

Here are the payments for these additional amortization periods on $300,000:
Term(yr)	Rate	Payment
10	6.00%	$3,330
20	6.25%	$2,132
25	6.25%	$1,979

Since these five year increments aren't advertised you'll typically have to ask your loan officer for a quote. Don't be shy, you'll find out that you just might be able to have the best of both worlds: lower payments with reduced interest charges!

5 Bedroom. 3.5 Bath 2-Story for Sale in Demotte

Jana Caudill (Keller Williams Realty Leaders) — Fri, 18 Jul 2008 13:44:27 -0500

Spacious 3360 sq. ft. home on almost 2 acres. Enjoy a country setting in this 2 story, 5 bedroom home. Relax on the 60 ft. covered front porch that spans the entire front. Large living and dining rooms. Kitchen includes appliances and has dinette area with sliding doors to the enormous backyard. Main floor master bedroom with large walk-in closet has master bath with corner whirlpool, separate shower and newer sink/vanity area. 2nd main floor bedroom would make a great office/computer room. New laminate flooring! The laundry room and bath are conveniently located just off the entrance to the garage. Upstairs you'll find 3 large bedrooms with built-in bookshelves & large closets, huge bath with double vanity, tub and separate shower, plus large bonus room area. Attached 2.5 car garage with heater. Extra tall shed for storage. Landscaped yard with many perennials and assorted trees. There's room for everyone! Great location for commuting!

For more information, go to http://www.thejanacaudillteam.com

3 Bedroom, 1.5 Bath Home for Sale in Merrillville

Jana Caudill (Keller Williams Realty Leaders) — Fri, 18 Jul 2008 13:39:07 -0500

Well maintained 3 bedroom 2 story home has much to offer and is ready for new owners! Covered porch welcomes you to main level featuring spacious living room, dining room with built-in cabinetry and shelving, large kitchen with eat-in area, and guest bath. Upstairs you'll find oversized master bedroom with double mirrored closets, 2 additional bedrooms with hardwood floors, and updated full bath. Rear yard is great for summer entertainment with full privacy fence, above ground pool with deck, 2 detached garage, and 2 storage sheds! Clean, dry basement gives room for expansion, laundry facility, and additional storage. Seller replaced roof last fall. Don't miss out!

For more information, go to http://www.thejanacaudillteam.com

2 Bedroom, 1 Bath Ranch for Sale in East Chicago

Jana Caudill (Keller Williams Realty Leaders) — Wed, 16 Jul 2008 16:14:37 -0500

Perfect condition describes this ranch style home with completely finished basement. Spotless and beautifully decorated. Living room has plenty of windows making it sunny and bright plus wonderful updated flooring. Updated kitchen has newer cabinets and includes all stainless appliances. 2 bedrooms are on the main floor plus a full bath. Nicely finished porch is great for relaxing. Large rec room in basement is great for entertaining. 3rd bedroom in basement is very large and could have many other uses. Basement also has convenient laundry area. 2.5 car garage and large backyard. House has newer vinyl siding and has been meticulously maintained. Great landscaping in front. Must see!

For more information, see http://www.thejanacaudillteam.com

3 Bedroom, 2.5 Bath 2-Story for Sale in Schererville

Jana Caudill (Keller Williams Realty Leaders) — Wed, 16 Jul 2008 10:55:47 -0500

Immaculate 2 story home situated on private lot backing to wetlands. Dramatic 2 story foyer welcomes you to tastefully decorated floor plan offering an abundance of natural light. Stunning hardwood floors in entry flow through hallway to kitchen. Great room features soaring ceilings, gas fireplace, built-in bookshelves, & cozy office nook. Great room is open to kitchen w/breakfast nook, center island, custom oak cabinetry, & appliances. Sliders walk out to wrap around deck w/pool overlooking rear yard. Formal dining is just off kitchen & walks through to living room. Oak staircase leads to upper level where you'll find spacious master suite w/private bath offering oversized WP tub, separate shower, & skylight. 2 additional good sized rooms are just down the hall & have access to 2nd full bath. Daylight basement gives many options for expansion or storage. Finished laundry (washer & dryer stay) leads to 3 car garage. This home has it all & is great for summer entertainment!

For more information, go to http://www.thejanacaudillteam.com

3 Bedroom, 2.5 Bath Condo for Sale in Highland

Jana Caudill (Keller Williams Realty Leaders) — Wed, 16 Jul 2008 10:51:07 -0500

Tastefully decorated and well taken care of 2 story condo on upper level featuring 3 bedrooms and 2.5 baths. Main level features open concept living with spacious living room, dining area w/ sliders to balcony, guest bedroom and functional kitchen with all appliances included! Main floor master suite offers ceiling fan, walk-in closet, and private bath w/ whirlpool tub and separate shower. Staircase leads upstairs to generous loft overlooking great room, finished laundry room, good sized guest bedroom, and 2nd full bath. Low monthly maintenance fee covers lawn maintenance, snow removal, common insurance, and scavenger! 1 car detached garage and guest parking available. This condo has been well taken care of and is ready for new owners! Schedule your showing today!

For more information, go to http://www.thejanacaudillteam.com