The 10 Commandments when Applying for a Home Mortgage


THE FIRST COMMANDMENT
Thou shalt not change jobs, become self-employed, or quit your job.

THE SECOND COMMANDMENT
Thou shalt not buy a car, truck, or van (or you may end up living in it!).

THE THIRD COMMANDMENT
Thou shalt not use charge cards excessively or let your accounts fall behind.

THE FOURTH COMMANDMENT
Thou shalt not spend money you set aside for closing.

THE FIFTH COMMANDMENT
Thou shalt not omit debts or liabilities from your loan application.

THE SIXTH COMMANDMENT
Thou shalt not buy furniture.

THE SEVENTH COMMANDMENT
Thou shalt not originate any inquiries into your credit.

THE EIGHTH COMMANDMENT
Thou shalt not make large deposits without first checking with your loan officer.

THE NINTH COMMANDMENT
Thou shalt not change bank accounts.

THE TENTH COMMANDMENT
Thou shalt not co-sign a loan for anyone.

Team Hiller Real Estate   636-229-8629   TeamHillerSells.com

205 Camelot Dr Saint Charles-MLS_Size-001-3-Exterior Front-1023x768-72dpi

Thinking of Selling Your Home? THE BEST HOMES SELL FAST!


Smart sellers understand that a proactive selling strategy can go a long way in getting their home sold quickly, and for top dollar. Here are three tips for today’s sellers:

  1. Make your home shine. Buyers like to envision a home they can move right into. Clean carpets, fresh paint, and a nicely landscaped yard can go a long way to make perspective buyers feel at home.
  2. Anticipate the selling season. Many sellers wait for the market to pick up before they place their home for sale, but smart sellers anticipate these seasonal adjustments and list their homes early in the sales cycle. Give yourself the best opportunity by placing your home on the market before everyone else does!
  3. Price your home right. Markets change, so don’t be influenced by last year’s selling activity and home prices. We will evaluate your home based on the most recent sales data and price it to sell for the most money in the shortest amount of time.

Whether you’re looking to sell today or are thinking of selling tomorrow, please feel free to call and ask for an analysis of our recent market activity. We would be more than happy answer any questions you might have.

Team Hiller Real Estate   636-229-8629   TeamHillerSells.com

Useful Stats from St. Charles County Association of REALTORS®


• Consumer Confidence rating is at a 4 year High
• Local Listing Inventories are Dropping
• Pending Sales UP by 20% 1st Qtr. 2012 vs. same period 2011
• # of Housing Units Sold have increased for the past 8 Months
• Home Values are Stabilizing/Some Areas Appreciating
• Foreclosures and Short Sales Showing signs of Stabilization
• Rental Vacancy Rate is the Lowest in 10 Years
• Rental Cost Higher than Cost to Purchase a Median Priced Home
• Rents are Expected to Rise 3-5% for the next several years
• GM Plant Expansion resulting in healthy Multiplier Effect on both Housing and Local Economy
• Mortgage Interest Rates Expected to Rise. A 1% Increase in Mortgage Rates equates to a 15% decrease in Affordability. If a Buyer was Qualified to Purchase a $200,000 home at 4%, then if and when rates rise to 5%, then the same Buyer’s Purchasing Power would be Decreased to $170,000

SCCAR University Class-April 4th “From Open House to the Closing Table”


Attention fellow REALTORS®!

Help us support Team Hiller’s own Cassie Kramer on April 4, 2012 at SCCAR!  Cassie will be a panelist for the SCCAR University Class “From Open House to the Closing Table”. 

Registration: $10 (Includes Lunch).  Register at www.stcharlesrealtors.com

Facts about today’s Economy


Facts about today’s Economy from Lawrence Yun, National Association of REALTORS® Chief Economist.

*Best housing affordability conditions in 30 years. *St. Louis area sales were up 3.5% in Dec as compared to 12 months ago. *The average homebuyer is 43 years old and the average family income of those buyers is $80,900 *A 4% increase in home sales is anticipated in 2012

Facts about today’s Economy


Facts about today’s Economy from Lawrence Yun, National Association of REALTORS® Chief Economist.

*Best housing affordability conditions in 30 years. *St. Louis area sales were up 3.5% in Dec as compared to 12 months ago. *The average homebuyer is 43 years old and the average family income of those buyers is $80,900 *A 4% increase in home sales is anticipated in 2012

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