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Real Estate Resources:

• Special Offers - Special offers for Chicago, Chicago Northwest Side and Chicago Northside homeowners from Barbara Foy.

• Affiliates - Barbara Foy's real estate web site affiliates.

• eNewsletter - Barbara Foy'sChicago, Chicago Northwest Side and Chicago Northside newsletter email will send you the latest real estate information.

• Today's Real Estate News - Daily real estate news for this neighborhood, Illinois, and United States.

• Market Conditions Report - Market conditions report for this area, Illinois, and United States.

• Monthly Payments & Schedule - Monthly loan payments java mortgage calculator.

• How Much Can You Afford? - Calculate how much home you can afford with this financial calculator.

• Determine Tax Savings - Calculate how much your monthly Chicago, Chicago Northwest Side and Chicago Northside, Illinois mortgage payments save you on your taxes because of loan interest.

• Should You Rent or Buy? - Is it better to rent a home in Illinois or buy your own Chicago, Chicago Northwest Side and Chicago Northside house, ranch, luxury property, condominium, acreage, or other real estate?

• Adjustable Rate Mortgages - Adjustable rate Chicago, Chicago Northwest Side and Chicago Northside mortgages information and interest rate java calculator.

• What Is Your APR? - Determine the Annual Percentage Rate (APR) for your mortgage.

• Fixed or Adjustable Rate Mortgage? - Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

• Are Balloon Mortgages For You? - Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.

• 15 vs. 30 Yr Mortgages - With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.

• How Much Should Your Income Be? - What income is required to qualify for a mortgage? Use this calculator to find out.

• What's Your Maximum Mortgage? - This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.

• Will Buying Points Save You Money? - This calculator helps you determine if you should pay for points, or use the money to increase your down payment.

• TripleCalc - FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Illinois real estate.

• Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more.

• Ask Anything - Ask Barbara Foy anything real estate.

• NUMBER1EXPERTS™ - List of all the NUMBER1EXPERT™ real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.

• Real Estate Tips - Barbara Foy's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

• Real Estate Trivia - Barbara Foy's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.

• Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Chicago, Chicago Northwest Side and Chicago Northside property in Illinois, including legal terms definitions, and more.

• Go to Main Sitemap - Main sitemap sections include Find Chicago, Chicago Northwest Side and Chicago Northside Homes, For Home Buyers, For Home Sellers, Chicago, Chicago Northwest Side and Chicago Northside Information, Real Estate Resources, and About Barbara Foy.

 

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Financing Your Home >Your Mortgage Many homeowners overlook the mortgage payment as a tool for financial management. They get the mortgage, move in, make the payments, and pay off the loan eventually. Smart homeowners know that by properly adding to their monthly payments, even by a small amount, they can substantially reduce the term of their loan, not to mention the total interest they will pay. In fact, prepaying one full year of a standard mortgage can save thousands of dollars in interest. The key is to do it properly and to find the right lender for whom prepayment is not a problem. More progressive lenders allow the option to add money to the monthly payment which goes directly to the principal. How much should you add? It's largely a personal decision, and it depends on your cash flow. But be mindful of the fact that the mortgage interest rate is probably the lowest interest loan you will find, so don't short yourself with prepayment only to run up credit card debt! See All Tips In The "Financing Your Home" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What does "contingency" mean in real estate? A  A contingency is a specified event that must take place before a home purchase contract is binding; for example, a sale can be said to be "contingent upon the sale of the buyer's current residence." See More Real Estate Trivia >

Barbara Foy RE/MAX Signature 2901 N. Clybourn Chicago, IL 60618 773-502-7653 barbara@barbarahomes.com I am always available to offer you personal, one-on-one help with what some say is the biggest decision you will make in your life. If you have any questions, please don't hesitate to call or e-mail me! Buying a home? I'll take the time to listen to your needs and desires, and find your dream home. Your total satisfaction is my number one priority. Selling a home? I will get your home sold for top dollar and in a timely manner. My online and offline marketing programs will give you the edge you need to sell your home. I don't want to just list your home, I want to sell it! Fast! Relocating? If you are moving to my area, I can assist you in collecting the information you need, and make your transition as smooth as possible. Feel free to contact me for any information. I love to assist people in relocating, and I've helped many people move to our area! I have built a reputation for client satisfaction, and I am devoted to making your move as easy as possible. You will have the added benefit of working with an agent who understands your needs when buying, selling, or relocating. Finding the right home is only the beginning. I will assist you every step of the way to ensure smooth sailing. www.barbarahomes.com is brought to you by Barbara Foy NUMBER1EXPERT™ in real estate for Chicago, Chicago Northwest Side and Chicago Northside, Illinois, First Time Buyers Read Barbara Foy's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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