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)


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Useful Real Estate Web Sites
 

Here's a short list of some of the more useful real estate and real estate related sites on the web. When you click on any of the links below, you'll see the site you chose, along with a form at the bottom of your screen. Use it to get answers for any questions you might have about anything you find. 

Remember: It's my job to know more about real estate than any web site!
 

National & International Link partners
 

Scott Gerami-Real Time Realty
Geneva, Illinois 

GOVERNMENT REAL ESTATE RESOURCES
Try the US Census Bureau, FedStats.com, or the Bureau of Labor Statistics for useful information. The HUD web site is full of resources. Don't forget Fannie Mae, Freddie Mac, or Ginnie Mae. Get home buying tips from the Federal Consumer Information Center.

LOCAL INFO
Find your local Chamber of Commerce or State Government.


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Real Estate Tips
Financing Your Home >Watch Your ARMs Length

Most buyers know that first-year interest on Adjustable Rate Mortgages (ARMs) is typically lower than the interest on available fixed-rate mortgages. This makes ARMs easier to qualify for, but also requires that borrowers have some understanding about how such loans work, because there are significant details associated with the low first-year rate.

First, check to see how long the low rates offered on the ARM are guaranteed. After that period of time, the rates can go up two points a year to a typical rate cap of six points over the life of the loan. Lenders will usually require borrowers to qualify for a mortgage loan that is several percentage points above the actual initial rate charged on the ARM. This is intended to keep borrowers from becoming overburdened by debt. Some lenders may charge special fees or caps which can increase the cost of the loan. If you think that an ARM may work for you, it is a good idea to shop around.

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Real Estate Trivia
Q 
Where is the world's oldest hotel?

A 
The Hotel Ryokan in the village of Awazu, Japan dates back to AD 717, when an inn was built near a hot spring reported to have miraculous healing properties.
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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
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.

ABR ePro Equal Housing GRI MLS RELO



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