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FAQs
To help you make informed decisions, we've compiled answers to some of the most commonly asked questions.
How much do I need for a down payment on a home?
The amount you need for a down payment depends on the type of loan and your financial situation. While 20% is a common benchmark, many buyers put down less—some conventional loans allow as little as 3%, FHA loans require just 3.5% and VA loans can be ZERO down. Read our BLOG for more info!
What's included in my monthly mortgage payment?
What is a 2-1 buydown, and how does it work?
Who pays for the 2-1 buydown—the buyer, the seller, or the lender?
What are closing costs, and how much should I expect to pay?
How does my credit score affect my mortgage rate?
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Feeling like buying your first place is still years away? Here’s how to shortcut it.
While data shows saving up and reaching the break even point where owning costs about the same as renting usually takes around 15 years, there are ways to get there faster.
If you set your sights on a starter home, it’s actually closer to seven years. That cuts the time in half. You’re looking at 4.6 years to save and 2.6 to break even.
But keep in mind, those numbers assume you put 20% down. Most first-time buyers put down far less, so that saving timeframe can shrink even more.
DM me, and I'll share a few ways to reach your first home sooner – like talking to a lender about down payment assistance programs.
Since you’ve probably already been saving for a while, you may be closer than you realize.
#FirstTimeHomebuyer #HomebuyingTips #thejonesteamrealtors #thejonesteam #bairdwarner #realestateexpert #homebuying
Higher mortgage rates don’t just change the buyer’s math—they can change a seller’s strategy, too. 🏡
Many builders are competing with incentives such as reduced rates, closing-cost help, and price adjustments. Existing-home sellers have options, too: a rate buydown contribution, repairs, closing-cost assistance, thoughtful pricing, or marketing that spotlights what makes a home and neighborhood stand out.
The key is positioning your home around what buyers can afford today.
Let’s compare the competition in your area and build a strategy that helps your home compete.
jones.team@bairdwarner.com
https://jonesteamhomes.com/d8r5t0ht
#HomeSelling #MortgageRates #RealEstateAdvice #HomeSellerTips #thejonesteamrealtors #thejonesteam #bairdwarner #realestateexpert #homebuying
Waiting for a housing crash? The latest expert outlook tells a calmer story. 🏠
Fannie Mae’s panel of more than 100 housing experts expects home prices to rise every year through at least 2030. Their average forecast calls for 14.7% growth over the next 5 years—and even the pessimistic group expects about 6.6% growth by the end of 2030.
National trends aren’t the same as your local market, but waiting for prices to fall could mean paying more later. Let’s talk about what the outlook may mean for your next move.
https://jonesteamhomes.com/d8r5sm1d
#HousingMarket #HomePrices #RealEstateAdvice #Homebuyers #thejonesteamrealtors #thejonesteam #bairdwarner #realestateexpert
Coming Soon! 419 W Marion St , Prospect Heights IL
🏡 FIRST TIME ON THE MARKET! 🏡
Some homes change hands every few years. This one? The original owners have loved and cared for it since the day it was built. ❤️
Now this exceptional 3-bedroom, 2½-bath brick ranch in Prospect Heights is ready for its next chapter.
Tucked away on a peaceful cul-de-sac, this beautifully maintained and updated home offers that wonderful combination buyers are always looking for: classic quality, modern updates, plenty of space, and true move-in-ready condition.
✨ A few highlights:
🏠 Solid brick ranch with 3 bedrooms & 2½ baths
🌳 Quiet cul-de-sac location with an expansive yard
🤎 Gorgeous refinished oak hardwood floors
🎨 Fresh, neutral paint throughout
🍽️ Spacious kitchen with 42" cherry cabinetry, stainless steel appliances, Viking hood & large center island
🔥 Family room with brick gas fireplace & built-in surround sound
🌿 Stamped concrete patio perfect for relaxing or entertaining
🛏️ Primary suite with private bath & walk-in closet with built-ins
🛁 Beautifully remodeled hall bath
🧺 Convenient first-floor laundry
🎬 Finished basement with brand-new LVP flooring and tons of flexible space for a rec room, gym, office, hobbies or playroom
And one of the best parts? The major updates have already been done. 🙌
This is the kind of home that has been genuinely cared for, not just quickly dressed up for the market.
If you've been searching for a move-in-ready ranch in Prospect Heights, this one deserves a spot at the top of your list.
📩 Message me for more information or to schedule a private showing.
#ProspectHeightsIL #ProspectHeightsRealEstate #JustListed #BrickRanch #RanchHome #ChicagoSuburbs #MoveInReady #HomeForSale #RealEstate #HouseHunting #homeselling #homebuying #thejonesteamrealtors #bairdwarner
Selling in the Northwest Chicago Suburbs? Your sale price is not the same as your take-home number. 🏡
Closing costs can include transfer taxes, property-tax prorations, title-related charges, attorney fees, mortgage payoff costs, and any negotiated credits.
One key detail: Illinois charges $0.50 per $500 in state transfer tax. Cook, Lake, and Kane counties each add $0.25 per $500, while municipal requirements can vary by address.
Get the full breakdown before you make a move.
https://jonesteamhomes.com/d8r5sm2y
#NorthwestChicagoSuburbs #HomeSelling #ClosingCosts #IllinoisRealEstate #thejonesteamrealtors #thejonesteam #bairdwarner #realestateexpert
Feeling the LOVE!! It was quite the journey, but in the end my buyers found the perfect home for their family. Congratulations 🤩
#fivestarreview #thejonesteamrealtors #homebuying #bairdwarner #clientlove
We met Jenny Jones through a family member and she stuck with us for a year and a half before we found our forever home. I was a very picky client and she never made me feel like I was difficult or unreasonable for wanting the items on my list. She is very knowledgeable about the communities that she is selling homes in and that knowledge helped us to make smart decisions about where we wanted to live. Jenny was very honest and upfront about the houses that we saw even steering us clear of a few minefield along the way. She helped us find our perfect house in a beautiful neighborhood with wonderful neighbors and we are so grateful to her for everything that she did along the way.
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