Naperville, Plainfield and Oswego real estate and homes for sale in Illinois, relocation,residential- Scott Gerami, REALTOR® Scott Gerami REALTOR(r) for Naperville, Plainfield and Oswego, Illinois real estate, relocation,residential - NUMBER1EXPERT™ Scott Gerami NUMBER1EXPERT(tm) for Naperville, Plainfield and Oswego, Illinois real estate, relocation,residential
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Scott Gerami, REALTORŪ, real estate agent and broker for Naperville, Plainfield and Oswego Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)






All agents are NOT alike! Find out why I am a top real estate expert. Call me: 800-297-9772.


Find Out About the Latest Homes for Sale First!
I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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Thank you SO MUCH for all that you did !
It was such a pleasure working with both of you. We were so impressed with the communication we always had with you.
Kerry & Tom McQuaid
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Real Estate - Homes - NUMBER1EXPERTS Sell More!
Scott Gerami is one of The Top Selling Real Estate Experts™
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From My Affiliates: Naperville, Plainfield and Oswego Illinois home buying, real estate listings, and homes for sale in DuPage                         County, IL
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Dan Delgado
I have worked with Dan for some time. He always goes the extra mile to make sure my clients get the best rate and highest quality service.
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Gino Buonamici
I have worked with Gino for many years and he has always delivered professional service and great rates for my clients.
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Real Estate Tips
About Appraisals >Three Caballeros

When you buy a house or refinance your present home, your lender will ask you to pay for an appraisal to help ensure that the sales price and mortgage amount is consistent with the property's market value. The appraiser will look for "three caballeros" or three "comparables" -- homes that are very similar to the one you are buying -- and will make adjustments to reflect the differences between the properties.

Housing patterns tend to be homogenous, meaning that homes worth $300,000 are usually located in $300,000 neighborhoods. It is important for properties to be within the general pricing patterns of their neighborhoods because over-valued homes, even if they are exceptional, are sometimes difficult to sell at full market price.

This is not the only factor considered in determining the worth of a property, but it is an important one. The buyer or seller may view the property as a home or an investment, but lenders view it in a completely different way. To a lender, property means security in the event a borrower fails to repay a mortgage. Therefore, lenders must know real estate values in order to limit their risks.

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Real Estate Trivia
Q 
Where would you go to visit the largest ancient castle in the world?

A 
You would travel to Prague, Czech Republic, to see the Prague Castle, built in the 9th century, with a total surface area of 18 acres.
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As soon as I list another home for sale, I'll email you. You'll know first.
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Gino Buonamici
I have worked with Gino for many years and he has always delivered professional service and great rates for my clients.
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Scott Gerami, REALTORŪ, real estate agent and broker for Naperville, Plainfield and Oswego Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

Scott Gerami - Broker/Owner -ABR, GRI, e-Pro, CSC
Real Time Realty, LLC.

424 Fort Hill Drive, Suite 134
Naperville, IL. 60540
Toll Free:: 800-297-9772
Direct:: 630-357-4800
Cell Phone:: 630-670-5802
Fax:: 630-206-0386
Email: Scott@NaperHomes.com

Since 1986, I have served the housing needs of individuals and families in the Western Suburbs. As a resident of the Naperville area, one of the fastest growing areas in the United states, I have become aware of the many housing opportunities available for the first time buyer to the empty nester. I am involved in many community organizations throughout the Western Suburbs. and have become a familiar face to many of the builders and financial lending institutions in the area.

ABReProEqual HousingGRIMLSRELO



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