NapervilleAreaHomes: Naperville Il Real Estate

1900 Robert Street, Aurora 60506 * 4 Bedroom * Aurora House For Sale

Fri, 30 Oct 2009 19:11:58 -0500

1900 Robert St. Aurora 60506 * 4 Bedrooms * Priced to Sell!

1900 Robert St, Aurora, IL 60506 View Map

CALL FOR VIEWING!

ATTENTION ***
Here is the opportunity you’ve been waiting for – Don’t wait!

Updated 4 Bedroom home with full finished basement offering bath rough-in, 2nd kitchen and workroom. Great for guests & parties! Beautiful hardwood floors in bedrooms and living room. Updated baths, fresh paint throughout. Enjoy the huge park-like backyard with deck, paver patio, storage shed. Great neighborhood, close to school. This one has it all!

FRESH PAINT THROUGHOUT HOME, POLISHED HARDWOOD FLOORS, BATHS HAVE BEEN UPDATED. NEW SHOWER/TUB ENCLOSURE, UPDATED LIGHT FIXTURES, PULLED UP CARPET TO REVEAL HARDWOOD! GREAT HOUSE.

Details

Asking Price:

$160,000

MLS:

07369655

Sq. Feet:

1456

Lot Size:

1/2 Acre +

Bedrooms:

Bathrooms:

1 1/2

# of Floors:

Garage Size:

Subdivision:

Indian Trail West

Year Built:

1964

Property Amenities

Contact Info

Joe Graham
Joe Graham Group

Dir 630-452-1648
Email | Website

All information is deemed reliable but is not guaranteed.

North Aurora 3 Bedroom House for Sale - 519 Bede Circle, 60542

Mon, 19 Oct 2009 09:09:41 -0500

house for sale 519 Bede Cir. North Aurora Il 60542 - Pine Creek Subdivision

House For Sale * Sought After Pine Creek North Aurora!

519 Bede Circle, North Aurora, IL 60542 View Map

Great House in sought after Pine Creek Subdivision!

Well cared for, original owners * New flooring throughout * Large Master Bedroom with Private In-suite Bath & Walk in Closet * Finished Basement with Playroom, Home Office and Recreation room * Terrific Large Lot, fenced back yard * Paver Patio * Playset * Great Neighborhood * Walk to Park * All Appliances Included * Really Nice Home, Must See!

Great neighborhood, very good schools - Don't let this one get away.

Call For Private Showing - 630-452-1648

Details

Asking Price:

$275,000

MLS:

07359727

Lot Size:

10000

Bedrooms:

Bathrooms:

2.1

# of Floors:

Garage Size:

Subdivision:

Pine Creek

Year Built:

1995

Property Amenities

Contact Info

Joe Graham
Joe Graham Group

Dir 630-452-1648
Email | Website

All information is deemed reliable but is not guaranteed.

We need to sell our home, but we owe more than it's worth...What can we do to Avoid Foreclosure?

Tue, 13 Oct 2009 12:49:56 -0500

Do you need to sell your home due to an unfortunate hardship, but what you owe the bank is more than what you can sell for? You may have options - and you may be able to stay in your home.

Click the RESCUE ME button below to find out more information on how we help homeowners like you navigate through difficult circumstances.

Certified Distressed Property Expert (CDPE) Professional Services

As a specialist, a Certified Distressed Property Expert® (CDPE) is a real estate professional with additional training and expertise required for complex transactions. These skills include the options available to homeowners to avoid foreclosure. As a specialist the Advanced CDPE is able to provide solutions for homeowners facing hardships in today’s market, including well managed short sales.

The prospect of foreclosure is scary and emotionally devastating. Many homeowners proceed without guidance of any kind. The developers of the CDPE Designation believe that the best course of action for a homeowner in distress is to speak with a licensed real estate professional who is a CDPE specialist. They have the tools needed to help homeowners find the best solution for their situation. Often, when other options have been exhausted, CDPEs can help homeowners avoid foreclosure through a well managed short sale.

Financial difficulties are challenging for any family. Selecting a CDPE Agent ensures you are dealing with a professional trained to address your specific needs. Because I am a CDPE specializing in the far west suburbs of Chicago, I can provide you with valuable experience. Often, time is NOT on your side, so you'll want schedule an in-home consultation right away to understand your options. To Shedule a no obligation consultation click here.

CDPEs don’t merely assist in selling properties, they serve and help save their clients in need.

In the Chicagoland Real Estate Market, a CDPE manages complex transactions with Sellers, Buyers, Lenders, Homeowners’ Associations, and Attorneys. Complex purchases benefit from well managed specialized services.
Buyer’s who elect to work with CDPEs retain a Specialist with knowledge about all aspects of the market. Nationally, CDPEs successfully close over 90% of their Short Sales.

As a CDPE, the Goal is to reach the most equitable resolution of a Seller’s Hardship. The Lender, Seller, and Buyer working together realize the best possible outcome for a difficult situation.

Please help yourself to the FREE TOOLS for Buyers, Sellers, and Investors throughout the web site.

Energy Savings - Batavia, Illinois. School District could trim energy bills by $4 million!

Mon, 12 Oct 2009 09:58:09 -0500

link to article

I found this article interesting. With such a large allocation of our tax bills paying for schools, could there be a way to improve their energy efficiency - thereby saving millions over a few short years? If a relatively small school district like Batavia could save $4M, what would be the potential savings for districts like Naperville 203,204 or Downers Grove, Wheaton?

"Schools could trim energy bills by $4M

Comments

October 11, 2009

By DENISE LINKE For The Beacon-News

BATAVIA -- Batavia schools could save nearly $4 million in energy costs over the next decade by hiring a consulting firm to plug power leaks and find ways to use electricity and natural gas more efficiently.

The School Board approved a contract with Energy Education Inc. last month after looking at cost projections that the district would pay $835,000 in fees between now and 2019 and cut its energy bills by $4.783 million. The Dallas-based firm advertises that it will reimburse clients who save less on energy costs than they spend on the program.

During the next four months, Energy Education Inc. will measure and monitor the climates in all district buildings, including temperature, humidity and light usage. After establishing energy use patterns, consultants will recommend equipment upgrades, procedure changes such as lowering thermostats when buildings are closed and other ways to reduce power use, said Assistant Superintendent Kris Monn.

Officials already have factored some anticipated savings into the 2009-2012 budget. The most recent round of proposed budget cuts includes a $50,000 decrease in natural gas costs and a $64,000 decrease in electricity costs to run Batavia High and Rotolo Middle schools. Energy Education Inc. consultants predict the district will cut energy costs by $298,000 this year.

"These are some pretty significant decreases in electricity and gas expenses for the high school and middle school," noted board member Jayne Resek.

The board is scheduled to vote on the spending plan Oct. 27. District residents can view the proposed budget at the Rosalie Jones Administrative Center, the Batavia Public Library and online at www.bps101.net."

Nice Homes - Hundreds of Must Sell Foreclosure Deals! Here in Kane, DuPage, Will and Kendall Counties

Thu, 08 Oct 2009 23:40:43 -0500

Great homes for sale - 3-5 bedroom homes with 1+ acres for sale. Want to buy a foreclosure or short sale property but aren't sure how? We can help. We help buyers just like you purchase homes at incredible discounts every week. We make it an easy process by taking the guess work out - just click on the page below, provide us with the right information about you and what you intend to purchase, and we will do the rest. GET STARTED - CLICK THE AD BELOW.

Bolingbrook House for Sale - 107 Camelot Ct. Bolingbrook 60440

Mon, 05 Oct 2009 13:24:30 -0500

Opportunity Knocks! Bolingbrook House For Sale 107 Camelot Ct.

107 Camelot Ct. , Bolingbrook, IL 60440 View Map

STOP AND LOOK!
GREAT HOUSE IN ESTABLISHED NEIGHBORHOOD WITH GROWN TREES PROVIDING WONDERFUL SHADE. LOCATED AT THE END OF A QUIET CUL-DE-SAC! THREE LARGE BEDROOMS & TWO UPDATED FULL BATHROOMS. ALL APPLIANCES STAY WITH THE HOME! RICH PLANK HARDWOOD FLOORS ON MAIN FLOOR. HUGE LOWER LEVEL FAMILY ROOM FEATURES WOOD BURNING FIREPLACE WITH WALKOUT TO TIERED DECK. FINISHED SUB-BASEMENT WITH RECREATION ROOM & DEN. *NEW FRIEZE CARPETING,*FRESH PAINT, *6 PANEL WHITE DOORS *NEWER FURNACE & A/C, * GILKEY WINDOWS & PATIO DOORS *NEWER GUTTERS & GARAGE DOOR. LARGE PRIVATE FENCED YARD. TIERED DECK, SHED. HURRY

*BUYER LOVE IT OR LEAVE GUARANTEE - CALL FOR DETAILS!

Details

Asking Price:

$214,900

MLS:

07341117

Sq. Feet:

1631

Lot Size:

BIG

Bedrooms:

Bathrooms:

# of Floors:

Garage Size:

Subdivision:

Ivanhoe

Year Built:

1976

Property Amenities

Contact Info

Joe Graham
Joe Graham Group

Dir 630-452-1648
Email | Website

All information is deemed reliable but is not guaranteed.

Sugar Grove House For Sale - 1359 Dorr Dr. *ALL OFFERS CONSIDERED!

Wed, 02 Sep 2009 16:46:14 -0500

Sugar Grove House For Sale - ALL OFFERS CONSIDERED

1359 Dorr Dr. , Sugar Grove, IL 60554 View Map

ALL OFFERS CONSIDERED - SHORT SALE!

IMMACULATE BUT AS-IS. MAKE AN OFFER ON THIS SHORT SALE. HOUSE SOLD FOR OVER $500,000 IN 2006 NEW. LOTS OF EXTRAS HERE! PREMIUM LOT BACKS TO WOODS.
BEAUTIFUL HARDWOOD FLOORS ON FIRST FLOOR. FORMAL DINING ROOM WITH TRAY CEILING. TERRIFIC KITCHEN WITH STAINLESS STEEL GE APPLIANCES - DOUBLE OVEN, CORIAN COUNTERS, 42" CABINETS. SOLID WOOD DOORS THROUGHOUT HOME.

FULL DEEP LOOKOUT BASEMENT IS PLUMBED FOR A BATH. TWO STORY FOYER & LIVING ROOM HAS A VIEW OF THE TURNED STAIRCASE WITH OAK RAILS. FOUR LARGE BEDROOMS WITH GREAT CLOSET SPACE. IN ADDITION TO THE LARGE BEDROOMS, THERE IS A SECOND FLOOR LOFT.

MASTER SUITE FEATURES VOLUME CEILING, LARGE WALKIN CLOSETS, DRAMATIC DOUBLE DOOR ENTRY, PRIVATE IN-SUITE LUXURY BATH WITH CORNER JET-TUB, STAND UP SHOWER WITH 5 BODY JETS.

TAXES WILL BE LOWER PER ASSESSORS OFFICE FOR NEXT YEAR.

Details

Asking Price:

$289000

MLS:

07315114

Sq. Feet:

3108

Bedrooms:

Bathrooms:

2.1

# of Floors:

Garage Size:

Subdivision:

Walnut Woods

Year Built:

2006

Property Amenities

Contact Info

Joe Graham
Joe Graham Group

Dir 630-452-1648
Email | Website

All information is deemed reliable but is not guaranteed.

All Offers Considered! Short Sale 14118 Thornberry Ct. Plainfield IL 60544

Mon, 31 Aug 2009 12:41:59 -0500

SHORT SALE - BRING ALL OFFERS! 14118 Thornberry Ct. Plainfield

14118 Thornberry Ct, Plainfield, IL 60544 View Map

NEW PRICE **** BRING ALL OFFERS! **** SHORT SALE! BUY WITH CONFIDENCE - CALL FOR INFORMATION ON OUR "LOVE IT OR LEAVE IT" BUYER GUARANTEE! 630-452-1648. Fabulous Custom Home at end of quiet culdesac * Awesome wrap around front porch * stamped concrete patio w/ firepit * attractive millwork & arches thruout home * Staggered cherry kitchen cabinets * Granite * Walkin Pantry * 2 see through fireplaces * Huge master with luxury bath, two walkin closets, sitting area, office & fireplace * Second floor office/bonus room * Second floor laundry * tandem 3 car garage!

Details

Asking Price:

$381,775

MLS:

07312551

Sq. Feet:

3900

Bedrooms:

Bathrooms:

2.1

# of Floors:

HOA/Maintenance Fees:

250 / year

Garage Size:

Subdivision:

Dayfield

Year Built:

2006

Property Amenities

Contact Info

Joe Graham
Joe Graham Group

Dir 630-452-1648
Email | Website

All information is deemed reliable but is not guaranteed. VISIT WWW.JOEGRAHAM.NET

House for Sale Aurora IL 60504 - 72 Heather Glen Cir. - Priced To SELL!

Thu, 27 Aug 2009 13:56:01 -0500

Priced to SELL! 72 Heather Glen, Aurora IL 60504

72 Heather Glen, Aurora, IL 60504 View Map

BUY WITH CONFIDENCE! I OFFER AN EXCLUSIVE BUYERS - "LOVE IT OR LEAVE IT" GUARANTEE! IF YOU'RE NOT HAPPY WITH YOUR PURCHASE, I'LL SELL IT FOR FREE* CALL FOR DETAILS - 630-452-1648! STOP PAYING RENT & OWN THIS INCREDIBLY PRICED HOME IN SOUGHT AFTER HEATHER GLEN! * FRONT PORCH SITTING AREA FACES QUIET POND! * GREAT NEIGHBORS * LARGEST MODEL UNIT IN HEATHER GLEN * GARAGE SPACE, NO MORE SCRAPING ICE OFF YOUR WINDOWS * NEWER CARPET * ALL APPLIANCES INCLUDED * NEUTRAL DECOR THROUGHOUT * HUGE SAVINGS ON HEATING & COOLING WITH INTERIOR UNIT * FAST CLOSING POSSIBLE * BIG VALUE! CALL FOR SHOWING!

Details

Asking Price:

$133,000

MLS:

07309911

Sq. Feet:

1343

Lot Size:

Common

Bedrooms:

Bathrooms:

1.1

# of Floors:

HOA/Maintenance Fees:

184

Garage Size:

Subdivision:

Heather Glen

Year Built:

1996

Property Amenities

Community Amenities

Contact Info

Joe Graham
Joe Graham Group

Dir 630-452-1648
Email | Website

All information is deemed reliable but is not guaranteed.

BRING ALL OFFERS!! BANK SHORT SALE!! 1990 Misty Ridge Aurora 60503

Fri, 24 Jul 2009 15:14:51 -0500

ALL OFFERS CONSIDERED! 1990 Misty Ridge, Aurora 60503

1990 Misty Ridge Lane, Aurora, IL 60503 View Map

NEW PRICE

SHORT SALE!!! ALL OFFERS CONSIDERED!!! ***FORMER BUILDER MODEL IS LOADED WITH UPGRADES!**
AWESOME END UNIT WITH FINISHED WALK-OUT BASEMENT & 2 CAR GARAGE *WELL MAINTAINED *VAULTED CEILINGS *HUGE EAT IN KITCHEN INCLUDING ALL APPLIANCES, OAK CABS & BREAKFAST BAR *WALK-OUT TO DECK*HUGE MASTER BR W/ IN-SUITE LUXURY BATH & MASSIVE WALK-IN CLOSET! *2 BEDROOMS + LOFT. SPACIOUS FAMILY RM W/ WALKOUT TO PATIO. LOW ASSOCIATION FEES. NEUTRAL FOR EASY MOVE IN. IT'S A 10!

CALL JOE GRAHAM RIGHT AWAY TO SCHEDULE A PRIVATE SHOWING!

Details

Asking Price:

$139,000

MLS:

07281093

Sq. Feet:

1725

Bedrooms:

Bathrooms:

# of Floors:

HOA/Maintenance Fees:

128.50

Garage Size:

2 Car

Subdivision:

Misty Creek

Year Built:

2001

Property Amenities

Contact Info

Joe Graham
Joe Graham Group

Dir 630-452-1648
Email | Website

All information is deemed reliable but is not guaranteed.

Aurora House For Sale SHORT SALE BRING ALL OFFERS! 1907 Schomer Ct. Aurora IL 60505

Tue, 21 Jul 2009 11:41:55 -0500

BRING OFFERS! Aurora House For Sale 1907 Schomer Ct.

1907 Schomer Ct. , Aurora, IL 60505 View Map

NEW PRICE

BRING ALL OFFERS ON THIS HOME! SHORT SALE.

It really is a nice home and will be great for the buyer! Clean and well kept home - certainly not a distressed property!

Comfortable ranch style home in a quiet community. Terrific end unit privacy in sought-after Lora Lei Acres. All exterior maintenance included with association. Master bedroom with in-suite private bath plus his/hers closets. 1st floor laundry room. Peaceful outdoor surroundings- enjoy on your front porch, back sunporch, & patio. Basement is framed, drywalled and ready to be finished.

Details

Asking Price:

$180,000

MLS:

07277419

Sq. Feet:

1243

Bedrooms:

Bathrooms:

# of Floors:

HOA/Maintenance Fees:

125

Garage Size:

Subdivision:

Lora-lei

Year Built:

1999

Property Amenities

Contact Info

Joe Graham
Joe Graham Group

Dir 630-452-1648
Email | Website

All information is deemed reliable but is not guaranteed.

PREFORECLOSURE SALES PROGRAM (HUD) - Avoid foreclosure with knowledge!

Fri, 17 Jul 2009 10:52:55 -0500

Are you a homeowner who is struggling to make your mortgage payments? Have you received "professional" advise from others, but really feel like you're just not sure what the right solution is for your situation?

You need to read the attached document provided by the US Department of Housing and Urban Development (HUD). This document details the fact behind the Preforeclosure Sales Program for FHA loans.

If your loan was NOT an FHA loan, or you're not sure, email us for assistance and we'll do the best we can to work with you to provide real - current information to assist you in your fact gathering. Making good decisions starts with having the right information!

We want to be your professional partner in real estate.

Joe Graham

630 452 1648

info@joegraham.net

RE/MAX of Naperville

1220 Iroquois, Naperville IL 60563

2200 Summerlin, Aurora IL 60503. Aurora House for Sale!

Thu, 16 Jul 2009 16:41:55 -0500

SHORT SALE BRING ALL OFFERS! 2200 Summerlin, Aurora 60503

2200 Summerlin, Aurora, IL 60503 View Map

NEW PRICE *** SHORT SALE! BRING ALL OFFERS!
Don't be afraid of this one - not like other short sales! Super clean!

Totally upgraded end unit! Open loft with oak spindles & railing. Upgraded kitchen cabinets with center island (with seating), Stainless Steel appliances and ceramic tile floor.
The kitchen also features really great upgrades such as a in-wall coffee maker with water line and a professional tap for serving guests tap beer from the stainless steel keg fridge - it's awesome!

Bright & neutral family room w/ fireplace. 6 panel pine doors & trim throughout. Large master bedroom with volume ceiling, in-suite bath and walk-in closet.

Other great items in the home include professional grade whole house surround sound and garage floors with a very durable and attractive epoxy finish.

Great location * Don't miss this opportunity!

Details

Asking Price:

$185,000

MLS:

07273807

Sq. Feet:

1674

Lot Size:

Common

Bedrooms:

Bathrooms:

2.1

# of Floors:

HOA/Maintenance Fees:

105

Garage Size:

Subdivision:

Grand Pointe Trails

Year Built:

2006

Property Amenities

Contact Info

Joe Graham
Joe Graham Group

Dir 630-452-1648
Email | Website

All information is deemed reliable but is not guaranteed.

Fast Offers On Your Home - Need to Sell Fast?

Tue, 14 Jul 2009 15:47:26 -0500

Just email me with your information and I will call you to discuss your situation in confidence. I can provide you with a fair offer on your house quickly and at a fair cash price. I buy houses in any area, any condition, and any price range! I promise to be courteous and professional while giving you various options on the purchase of your home. Privacy is of the greatest concern for me. Your information will only be viewed by investors associated with with my business. All of your information is not required but the more details you provide, the more options we can give you!

Please Email Me here with your:

Name

Complete Property Address

Information on the home - such as bedrooms, baths, basement

Condition of Property

Reason for Selling

Current Mortgage Balance

Are you Behind in Payments

Email Address and Telephone Number

I will get back to you right away to discuss how we can help.

Aurora House For Sale. 2284 Foxmoor Lane, Aurora Illinois 60502 * Sought After Cambridge Countryside

Mon, 29 Jun 2009 14:24:23 -0500

Bring Offers! Aurora Home For Sale 2284 Foxmoor
2284 Foxmoor Lane, Aurora, IL 60502
	NEW PRICE!!!! BRING ALL OFFERS!!!! STOP & LOOK AT THIS AWESOME TOWNHOME WITH TWO LARGE BEDROOMS PLUS A LOFT WHICH CAN EASILY BE WALLED OFF FOR THIRD BEDROOM! BOTH BEDROOMS HAVE WALK IN CLOSETS. THE HOME FEATURES AN OPEN FLOOR PLAN WITH GLEAMING HARDWOOD FLOORS. THE EAT-IN KITCHEN FEATURES A CENTER ISLAND, CERAMIC TILE, UPGRADED APPLIANCES & PLENTY OF CABINET SPACE. UPGRADED WHITE TRIM AND 6 PANEL DOORS THROUGHOUT. THE MASTER BEDROOM OFFERS AN IN-SUITE BATH & OVERSIZED TUB. 2ND FLOOR LAUNDRY. ACCLAIMED 204 SCHOOLS
Click to View Show
Details		Contact Info
Asking Price: MLS: Sq. Feet: Bedrooms: Bathrooms: # of Floors: HOA/Maintenance Fees: Garage Size: Subdivision: Year Built:	$186,000 07257727 1500 2 2.1 2 124 2 Cambridge Countryside 2001		Joe Graham Joe Graham Group Dir 630-452-1648 Email \| Website Other Shows
Property Amenities
- Range/Oven - Sink Disposal - Full Refrigerator - Microwave - Washer/Dryer - Dishwasher	- Kitchen Island - Hardwood floors - Patio - Grass Lawn - Yard - Central A/C	- Central Heat - Walk-in closet - Tile floor - Living room - Laundry area - inside
Community Amenities
- Playground

Homeowner Saved From Foreclosure : Real Life Story - By Joe Graham Remax of Naperville

Thu, 25 Jun 2009 17:32:23 -0500

Are You Behind On Payments? Did Your Job Transfer You And You Can't Sell? Not Sure What To Do?

Call Joe Graham For A No Obligation, Private Consultation at 630-452-1648 or email: info@joegraham.net

A HOMEOWNER SAVED - A True Story of How a CDPE Can Make A Lasting Impact on A Family.

In April of 2008, James of Scottsdale, Arizona, had a job, his health, and a beautiful home he wanted to sell. Ten months later, he was months behind on his mortgage and facing imminent foreclosure on his house. James was a homeowner in distress, and it took a special agent to help save him.

Gayle Henderson, is a fellow Certified Distressed Property Expert® (CDPE) at RE/MAX Excalibur Realty in Scottsdale, met James as a referral from another agent, who for months previously had worked hard on James’ behalf in the rapidly falling real estate market of Phoenix, Arizona. After the initial listing interview, and with Gayle’s guidance, James decided on a list price that appeared to reflect the current market. However, with no movement on the property by September, Gayle convinced James to agree to a price reduction and listing extension.

As James signed the extension, he said to Gayle, “If we don’t get this sold by the end of January, I will simply take it off the market.”

“Fair enough,” Gayle replied.

“This is the last price reduction I can do,” James said, thinking of his financial obligations. But autumn came and went with little activity and no contracts.

To amplify this tension, a model-match to James’ home, on the same street, entered the market in December at a considerably lower price. Gayle examined the new listing and began calling Richard to let him know they could not compete with that price. Over the next two weeks, her phone messages went unanswered.

Unbeknownst to Gayle, James had encountered serious setbacks over the previous months, both health- and job-related, that turned his world upside-down. When his listing expired on January 31, 2009, James was already six months behind on his mortgage and other bills. His disability payments had run out and, following this, his employer had let him go.

James simply could not bring himself to share this devastation with anyone.

Because of Gayle’s persistence and compassion, James finally confided his story, admitting that the house was going to foreclosure auction in just 16 days.

Fortunately for James, Gayle was trained to handle properties and homeowners facing foreclosure, having earned her CDPE Designation. Understanding the urgency of the situation and the potential for disaster on behalf of her client, Gayle instituted the mantra “All hands on deck!” at her office.

On February 6, James provided Gayle with all of his completed documentation for a short sale—when a lender agrees to accept less than is owed on their existing loan. Working together, James, Gayle, and her group put together a short sale file, updated the listing and the property information, and began communicating with the lender.

“A lucky day,” Gayle admitted in retrospect. “The foreclosure specialist said she would only be able to accept a short sale file if submitted 14 days before auction. I called on precisely that deadline.”

Over the next two weeks, Gayle and her group worked hard to stall the auction, marketing the property aggressively with constant communication between all parties involved. James made sure the house was always show-ready and looking its absolute best. Meanwhile, the lender ordered a property profile and informal appraisal—known as a Broker’s Price Opinion (BPO)—to estimate the value of the house.

Five days over a holiday weekend went by without contact from the BPO agent. Each day was one day closer to an auction that Gayle and her group were committed to stall. They weren’t giving up, and they wouldn’t let James give up either.

“There were days we knew it took every ounce of his energy to keep up the fight,” Gayle said.

On day 12 of their 14-day deadline, Gayle refused to wait any longer for the BPO. Trying to assist the lender in getting the information she needed, Gayle called a BPO specialist to secure a BPO on a rush order, and e-mailed her lender contact with the update and other documentation needed to assess the file. The lender was able to give Gayle the financial guidelines she needed, however circumstances on this file would not allow an auction postponement without a contract.

“The next 24 hours were crazy!” Gayle said. “Everyone in our group was focused on saving James from foreclosure.”

Gayle personally called everyone who had ever shown the house. Finally, on the last day before auction, they got an offer, faxed it to the lender, and the auction was stopped just one hour before deadline. While this contract eventually fell through, James’ hard work and Gayle’s interaction with the contact at the bank allowed them to find another buyer four days later with a solid contract. Thirty-five days later, James and Gayle sat at the title company with a big SOLD sign-rider on the table as Richard signed his final paperwork.

“The sense of relief was enormous and there wasn’t a dry eye in the room by the time we finished,” Gayle said.

* * *

This is a story retold by homeowners in every town across America. It is a situation where homeowners feel alone in the eye of a storm, feeling that no one else could possibly understand. You firmly believe you are alone, not knowing the untold numbers of other financially distressed homeowners who invisibly and silently share your pain.

After the short sale was complete and James was able to move on with his life, he had the following to say:

I want to thank Gayle and her assistant, Wendy, for helping me through one of the most difficult and challenging parts of my life with the housing market spiraling down at a rapid rate. I did not know what to do. … She quickly made a plan of action; but at the same time kept a calmness about the situation that I will always be grateful [for]. Her kindness and understanding, but more important knowledge of the ever-changing real estate market, helped sell my house and kept it from going into foreclosure. I could not have asked for a better person to see me through this, and a simple thanks does not seem enough. Her concern and kindness will not be forgotten.

In complete gratitude,

J.P.

Frequently Asked Questions About Short Sales

Thu, 25 Jun 2009 17:10:07 -0500

Call to schedule a discrete, no obligation, in-home consultation.

Frequently Asked Questions

The one reality about today’s housing market is that many people have more questions than answers. The following information is intended to help you or someone you know better understand your situation.

Do I qualify for a short sale?

The qualifications for a short sale include any or all of the following:

Financial Hardship – There is a situation causing you to have trouble affording your mortgage.
Monthly Income Shortfall – “You have more month than money.” A lender will want to see that you cannot afford, or soon will not be able to afford your mortgage.
Insolvency – The lender will want to see that you do not have significant liquid assets that would allow you to pay down your mortgage.

What is a mortgage modification?

A mortgage modification is a process through which your mortgage lender changes any or all of the following:

Your interest rate
Your principal balance (through a reduction)
Your loan terms (example: from an adjustable to a fixed rate)

This process can allow borrowers to stay in their property when they can no longer afford their current mortgage payments.

Why would a lender modify my mortgage?

Lenders have realized that in some cases it is better for them to work with current borrowers to lower payments or possibly improve terms in order to keep homeowners in their properties. The average foreclosure can cost a lender from 35-50% of the value of a property, so keeping borrowers in their homes is a good option for everyone.

What do I need to qualify for a mortgage modification?

According to the Making Home Affordable Web site (www.MakingHomeAffordable.gov), you will need the following information for your lender to consider a modification:

Information about your first mortgage, such as your monthly mortgage statement
Information about any second mortgage or home equity line of credit on the house
Account balances and minimum monthly payments due on all of your credit cards
Account balances and monthly payments on all your other debts such as student loans and car loans
Your most recent income tax return
Information about your savings and other assets
Information about the monthly gross (before tax) income of your household, including recent pay stubs if you receive them or documentation of income you receive from other sources

If applicable, it may also be helpful to have a letter describing any circumstances that caused your income reduce or expenses to increase (job loss, divorce, illness, etc.)

How do I qualify for a mortgage modification?

The first call you make should be to your lender, have the information above ready to discuss with them and call your customer service line to ask them what options you have available. If the person you speak with does not understand what you are asking, you can ask to be referred to one of the following departments (different lenders have different names for these departments):

Loss Mitigation
Mortgage Modification
H.O.P.E.

Prior to contacting your mortgage lender you can quickly complete an eligibility test at www.MakingHomeAffordable.gov. This test will let you know if you are eligible for a modification through the government-sponsored Home Affordability and Stability Program (HASP).

For a list of mortgage lenders and servicers, visit www.HopeNow.org.

What is a Home Affordable Refinance?

If Fannie Mae or Freddie Mac owns your mortgage, you may be eligible for a Home Affordable Refinance. This will allow you to refinance your home and often lower your payments.

What if I don’t qualify, can’t afford my home, and owe more than it’s worth?

You are not alone and foreclosure is not the only option. If your mortgage lender or servicer will not work with you to reduce your payment, you may want to consider a short sale. Agents with the Certified Distressed Property Expert® Designation have undergone extensive training in how to process and negotiate short sales.

A short sale allows you to sell your home for less than what you owe and avoid foreclosure. Speak to your market expert to see if you may qualify.

What are the qualifications for a Home Affordable Refinance?

According to the resources released by the government, following are a list of qualifications:

You are the owner occupant of a one- to four-unit home
The loan on your property is owned or securitized by Fannie Mae or Freddie Mac (see Useful Links)
At the time you apply, you are current on your mortgage payments (you haven’t been more than 30 days late on your mortgage payment in the last 12 months, or if you have had the loan for less than 12 months, you have never missed a payment)
You believe that the amount you owe on your first mortgage is about the same or slightly less than the current value of your house
You have income sufficient to support the new mortgage payments, and the refinance improves the long-term affordability or stability of your loan

Call Joe Graham today for a no obligation consultation. 630-452-1648

Options to Foreclosure

Thu, 25 Jun 2009 16:47:13 -0500

Options other than Foreclosure

Reinstatement

This is where the homeowner reinstates the mortgage by paying up all missed payments and fees and becomes current with the mortgage. After all the fees have been paid up then the homeowner can continue to pay the mortgage payments as they had.

Forbearance

More commonly known as a re-payment plan, allows the homeowner to negotiate a repayment of missed payments and fees to reinstate the mortgage.

Sell the Property

If there is equity in the property then the home can be sold and the foreclosure can be "cured" thus avoiding the foreclosure. If the home is worth less than is owed plus sales expenses then a short sale must be negotiated (See the section on "Short Sale Explained").

Rent the Property

The property can be rented however the mortgage must be made current. A rental agreement will not stop the foreclosure process.

Refinance

If the credit rating hasn't been too badly damaged, a refinance may help especially if the monthly payments can be reduced.

Deed-in-Lieu of Foreclosure

Commonly known as the friendly foreclosure, this involves for the bank to agree to foreclose and take the property back without the lengthy process. This is not recommended for properties with equity because the owner gives up the right to the property and any equity. This option is technically still a foreclosure and will show up as such on your credit report. Sometimes the bank will forgo any other recourse but that will also have to be negotiated.

Bankruptcy

It cannot avoid the foreclosure but may allow the owner to reorganize debt and stall the foreclosure. Another drawback is that it makes it difficult to sell the property and almost impossible to negotiate with any third parties.

Short Sale

When the homeowner owes more than the property is worth plus sales expenses, a sale can be negotiated and an approval obtained from the bank to accept an amount less than is owed.

Most of the options above involve negotiation with the bank and a decent credit rating. If the credit has been affected already, then the only real option that can help is the short sale.

I CAN HELP! AS A CERTIFIED DISTRESSED PROPERTY EXPERT I HAVE THE KNOWLEDGE AND EXPERIENCE TO HELP YOU OR SOMEONE YOU KNOW THROUGH THEIR TIME OF DISTRESS. WHATEVER YOU CAN DO, AVOID FORECLOSURE!

CALL TODAY AT 630-452-1648 FOR A CONFIDENTIAL, NO OBLIGATION APPOINTMENT TO DISCUSS YOUR SITUATION AND OPTIONS.

Top 10 Reasons Avoid Foreclosure! - Joe Graham, REMAX of Naperville can help!

Thu, 25 Jun 2009 16:40:55 -0500

10 Reasons to Avoid Foreclosure

You will always have to disclose that you have had a foreclosure on any mortgage application and many job applications you submit in the future and this can have an adverse affect on your future mortgage rates. This is the only credit item that is asked specifically and does not rely on what is on an individual's credit report.
Your Credit scores will be lowered by 300+ points and a foreclosure is the most devastating credit issue you can have in relation to future credit availability.
A foreclosure is the one credit report item that is almost impossible to have 'repaired'.
Your lender can seek a deficiency judgment against you and collect for any amount they do not recuperate at bank sale.
Many employers run credit checks on prospective employees and foreclosure is one of the top items that will put you as a potential new hire in jeopardy.
Many current employers run credit checks and a foreclosure can put a current position in jeopardy.
Security clearances and government positions including but not limited to military and law enforcement can be jeopardized by a foreclosure.
You may be responsible for any deficiencies after foreclosure for an indeterminate period of time depending on the state you live in; this can land a homeowner in never ending collections.
“As your Certified Distressed Property Expert agent we will explore every option with you and work toward a resolution. "
"While it may not seem like it now there will come a time where your current financial troubles will pass. You will feel much better knowing that you did everything you could to avoid this devastating financial consequence so many people face today "

- Joe Graham, 630-452-1648

BRING ALL OFFERS! Sugar Grove House For Sale! 281 Whitfield Drive, Unit A., Sugar Grove, IL

Tue, 26 May 2009 18:34:24 -0500

BRING OFFERS! House for Sale Sugar Grove, 281 A Whitfield Dr.

281 A. Whitfield Drive, Sugar Grove, IL 60554 View Map

**** BRING ALL OFFERS TO THIS STUNNING TOWNHOME!!!! **** TRULY A 10! UPGRADES GALORE! NEW HARDWOOD FLOORS*NEW CARPET*NEW TRIM*FRESHLY PAINTED IN POTTERY BARN COLORS*HUGE MASTER BED SUITE WITH VOLUME CEILING, LARGE WHIRLPOOL TUB AND SEPARATE SHOWER! COZY FAMILY ROOM WITH GAS FIREPLACE! TONS OF STORAGE IN THIS WONDERFUL HOME! YOU REALLY HAVE TO SEE TO BELIEVE! YOU CAN'T BEAT THE PRICE FOR THIS GORGEOUS HOME! PRICED FOR FAST SALE!

Details

Asking Price:

$209,900

MLS:

07223450

Bedrooms:

Bathrooms:

2.1

# of Floors:

HOA/Maintenance Fees:

123

Garage Size:

Subdivision:

Windsor Pointe

Year Built:

2002

Property Amenities

Contact Info

Joe Graham
Joe Graham Group

Dir 630-452-1648
Email | Website

Aurora IL 60504 House For Sale! 2 Bedroom plus Loft, Fenced Yard, Great Community!

Tue, 19 May 2009 10:49:41 -0500

BRING ALL OFFERS! 756 Four Seasons, Aurora, IL 60504

756 Four Seasons Blvd, Aurora, IL 60504 View Map

ATTENTION*** BRING ALL OFFERS *** ALL OFFERS WILL BE CONSIDERED *** House For Sale In Aurora's Sought After HomeTown Subdivision! This is a great opportunity for a family looking to purchase a Single Family Home for the cost of rent! With 2 bedrooms plus a large loft, this house is perfect for a young family, or empty nesters looking for a home to call their own without the yardwork and landscaping maintenance that goes with owning a home.

You need to see this one to understand the value. Just move in - everything is done for you. Freshly painted in popular designer colors(new), newer flooring, fenced yard (new), premium interior location, 2 car attached garage!, all appliances including washer and dryer! Priced to S-E-L-L!

Details

Asking Price:

$159,900

MLS:

07216607

Bedrooms:

Bathrooms:

1.1

# of Floors:

HOA/Maintenance Fees:

136

Garage Size:

2 Car

Subdivision:

HomeTown

Year Built:

2003

Property Amenities

Contact Info

Joe Graham
Joe Graham Group

Dir 630-452-1648
Email | Website

Aurora House for Sale 2952 Arbor Lane, Aurora, IL 60502

Wed, 25 Mar 2009 19:50:16 -0500

Aurora Home For Sale! 4 Bedrooms & Batavia Schools

2952 Arbor Lane, Aurora, IL 60502 View Map

Grab the kids and the dog! Simply move right in to this 4 bedroom home in the sought-after neighborhood of Savannah!

Send your kids to the acclaimed Batavia Schools!

This “Somonauk” model offers 4 bedrooms
plus a loft. You’ll enjoy the private location of this home, with no neighbors behind the home, a quiet street, fenced yard & huge deck. The community features walking & biking trails connecting to the Illinois Prairie Path. You family can easily bike ride to downtown Aurora, Batavia, Geneva or even St. Charles using the bike path! It's really fantastic!

This is the one you’ve been waiting for! Schedule Your Showing Today!

Details

Asking Price:

$269,900

MLS:

07170379

Sq. Feet:

2263

Bedrooms:

Bathrooms:

2.1

# of Floors:

Garage Size:

Subdivision:

Savannah

Year Built:

1998

Property Amenities

Contact Info

Joe Graham
Joe Graham Group

Dir 630-452-1648
Email | Website

Wheaton Condo For Sale! Remodeled Unit * Secure Building * Huge Discount!

Tue, 24 Mar 2009 14:12:04 -0500

Wheaton Condo For Sale * Remodeled! Huge Discount

1000 S. Lorraine, Unit 102, Wheaton, IL 60187 View Map

*Corporate Owned!* Easy to buy! Terrific first floor unit available in Wheaton! First floor access is great for entertaining on your patio, or if you have pets, you can easily let them outside.

This unit was remodeled and features stainless steel appliances, cherry cabinets, freshly painted walls and an in-unit washer and dryer.

Lowest priced unit in the building!

Details

Asking Price:

$109,900

MLS:

07165010

Bedrooms:

Bathrooms:

# of Floors:

HOA/Maintenance Fees:

203

Subdivision:

Versailles Condominiums

Year Built:

1966

Contact Info

Joe Graham
Joe Graham Group

Dir 630-452-1648
Email | Website

BRING OFFERS! 2820 Hapner Way, Batavia IL 60510

Sun, 01 Mar 2009 02:00:09 -0600

* BRING ALL OFFERS! * 2820 Hapner Way Batavia 60510

2820 Hapner Way, Batavia, IL 60510 View Map

DON'T WAIT ANY LONGER! ALL REASONABLE OFFERS WILL BE CONSIDERED *** Truly a Tremendous Opportunity!
Built by Reese Custom Home Builders.
Backs to Prairie grounds and neighborhood walking path.
Incredible Brazilian Cherry hardwood floors & new carpeting on first floor. Incredible Gourmet Kitchen with all JennAir Appliances - Rich Cherry Stained Cabinets - Blonde Granite with large island & pub chairs and built-in wine rack.
First Floor Library - Huge Laundry Room with front load washer and dryer and closet for coats. Front and back staircases lead to second floor. Master Suite features detailed ceilings. Private In-Suite Luxury Bath offers Double Walk-in Closets and Separate Tub and Shower. 2&3 Bedrooms feature Jack & Jill Bath and Walk-in Closets. Bedroom 4 has bath.
Tanglewood Hills Association includes membership to clubhouse pool and tennis.
Walk to Elementary School!
This Batavia house is a A Must See.

Details

Asking Price:

$619,900

MLS:

07218929

Sq. Feet:

4000

Lot Size:

.37 acres

Bedrooms:

Bathrooms:

3.1

# of Floors:

HOA/Maintenance Fees:

108

Garage Size:

Subdivision:

Tanglewood Hills

Year Built:

2005

Property Amenities

Community Amenities

Contact Info

Joe Graham
Joe Graham Group

Dir 630-452-1648
Email | Website

Aurora IL Real Estate 2934 Arbor Lane, Aurora IL

Thu, 26 Feb 2009 11:17:33 -0600

Aurora House For Sale - 2934 Arbor Lane, Aurora 60502 - Savannah

2934 Arbor Lane, Aurora, IL 60502 View Map

ACT FAST - RARE RANCH HOME IN SOUGHT AFTER SAVANNAH. HARDWOOD FLOORS, 9FOOT CEILINGS, TERRIFIC FENCED YARD WITH DECK AND PAVER PATIO. TRULY A GREAT OPPORTUNITY TO PURCHASE SINGLE FAMILY HOME WITH A BASEMENT RATHER THAN A SMALLER TOWNHOME. LOW UTILITY BILLS, FANTASTIC NEIGHBORS - MUST SEE!

PARK AND BIKE PATH IN SUBDIVISION!

Details

Asking Price:

$219,900

MLS:

07128484

Sq. Feet:

1343

Lot Size:

70x125

Bedrooms:

Bathrooms:

# of Floors:

HOA/Maintenance Fees:

Garage Size:

Subdivision:

Savannah

Year Built:

1999

Property Amenities

Contact Info

Joe Graham
Joe Graham Group

Dir 630-452-1648
Email | Website

NapervilleAreaHomes: Naperville Il Real Estate

1900 Robert Street, Aurora 60506 * 4 Bedroom * Aurora House For Sale

1900 Robert St. Aurora 60506 * 4 Bedrooms * Priced to Sell!

1900 Robert St, Aurora, IL 60506 View Map

Details

Property Amenities

Contact Info

North Aurora 3 Bedroom House for Sale - 519 Bede Circle, 60542

House For Sale * Sought After Pine Creek North Aurora!

519 Bede Circle, North Aurora, IL 60542 View Map

Details

Property Amenities

Contact Info

We need to sell our home, but we owe more than it's worth...What can we do to Avoid Foreclosure?

Certified Distressed Property Expert (CDPE) Professional Services

Energy Savings - Batavia, Illinois. School District could trim energy bills by $4 million!

"Schools could trim energy bills by $4M

Nice Homes - Hundreds of Must Sell Foreclosure Deals! Here in Kane, DuPage, Will and Kendall Counties

Bolingbrook House for Sale - 107 Camelot Ct. Bolingbrook 60440

Opportunity Knocks! Bolingbrook House For Sale 107 Camelot Ct.

107 Camelot Ct. , Bolingbrook, IL 60440 View Map

Details

Property Amenities

Contact Info

Sugar Grove House For Sale - 1359 Dorr Dr. *ALL OFFERS CONSIDERED!

Sugar Grove House For Sale - ALL OFFERS CONSIDERED

1359 Dorr Dr. , Sugar Grove, IL 60554 View Map

Details

Property Amenities

Contact Info

All Offers Considered! Short Sale 14118 Thornberry Ct. Plainfield IL 60544

SHORT SALE - BRING ALL OFFERS! 14118 Thornberry Ct. Plainfield

14118 Thornberry Ct, Plainfield, IL 60544 View Map

Details

Property Amenities

Contact Info

House for Sale Aurora IL 60504 - 72 Heather Glen Cir. - Priced To SELL!

Priced to SELL! 72 Heather Glen, Aurora IL 60504

72 Heather Glen, Aurora, IL 60504 View Map

Details

Property Amenities

Community Amenities

Contact Info

BRING ALL OFFERS!! BANK SHORT SALE!! 1990 Misty Ridge Aurora 60503

ALL OFFERS CONSIDERED! 1990 Misty Ridge, Aurora 60503

1990 Misty Ridge Lane, Aurora, IL 60503 View Map

Details

Property Amenities

Contact Info

Aurora House For Sale ***SHORT SALE*** BRING ALL OFFERS! 1907 Schomer Ct. Aurora IL 60505

BRING OFFERS! Aurora House For Sale 1907 Schomer Ct.

1907 Schomer Ct. , Aurora, IL 60505 View Map

Details

Property Amenities

Contact Info

PREFORECLOSURE SALES PROGRAM (HUD) - Avoid foreclosure with knowledge!

2200 Summerlin, Aurora IL 60503. Aurora House for Sale!

SHORT SALE BRING ALL OFFERS! 2200 Summerlin, Aurora 60503

2200 Summerlin, Aurora, IL 60503 View Map

Details

Property Amenities

Contact Info

Fast Offers On Your Home - Need to Sell Fast?

Aurora House For Sale. 2284 Foxmoor Lane, Aurora Illinois 60502 * Sought After Cambridge Countryside

Homeowner Saved From Foreclosure : Real Life Story - By Joe Graham Remax of Naperville

Are You Behind On Payments? Did Your Job Transfer You And You Can't Sell? Not Sure What To Do?

Call Joe Graham For A No Obligation, Private Consultation at 630-452-1648 or email: info@joegraham.net

A HOMEOWNER SAVED - A True Story of How a CDPE Can Make A Lasting Impact on A Family.

Frequently Asked Questions About Short Sales

Call to schedule a discrete, no obligation, in-home consultation.

Frequently Asked Questions

Do I qualify for a short sale?

What is a mortgage modification?

Why would a lender modify my mortgage?

What do I need to qualify for a mortgage modification?

How do I qualify for a mortgage modification?

What is a Home Affordable Refinance?

What if I don’t qualify, can’t afford my home, and owe more than it’s worth?

What are the qualifications for a Home Affordable Refinance?

Options to Foreclosure

Aurora House For Sale SHORT SALE BRING ALL OFFERS! 1907 Schomer Ct. Aurora IL 60505

* BRING ALL OFFERS! * 2820 Hapner Way Batavia 60510