Conforming, Jumbo and Super Jumbo. 

No these are not the size of the French fries you can get from McDonalds but the 3 main mortgage loan amount categories. 

Conforming is the level set forth by Fannie Mae and Freddie Mac and is currently at $417,000 for the Chicagoland area.   This value is determined by the direction of housing prices and should be a lot lower but the government has maintained this amount for the last few years.   This category will have the cheapest interest rates and the most flexibility when it comes to underwriting the loan. As an example, 5% down payment options are readily available. 

Jumbo is loosely defined as any amounts over $417,000 and since it is not backed by Fannie Mae and Freddie Mac this category will demand higher interest rates and more stringent underwriting criteria.  The interest rate premiums are currently a minimum of a .5% above the conforming loan amounts for a fixed rate loan and about a .25% for any adjustable rate loan types.   The down payment requirements increase to 10%-25% depending on many factors including purchase price and property type. 

Super Jumbo has many different definitions but this is typically loans above $850,000.  At this level the rates are yet even higher and the down payment requirements are even greater.  20%-30% down is a common down payment requirement on these size of loans.  It is worth noting at this level the process interest rates and requirements can vary greatly from lender to lender.  For example, some lenders will require two appraisals or cash reserves equal to 10%- 20% of the loan amount after closing. 

As you plan your financing it is important to discuss these levels with your lender to help make sure you are getting the best offer available. 

Tony Pigatti

Vice President Residential Lending

Archer Bank

Office #708-237-4049

Cell #630-254-8946

www.metrobankgroup.com

Check for yourself…Of all the homes listed for sale in Hinsdale Illinois 60521 priced up to $800,000, 352 Ravine is a screaming deal!

Check for yourself…Look at the virtual tour of 352 Ravine in Hinsdale IL and let me know if there is anything that does not support the notion that this is a screaming deal.

Check for yourself….Look at the location map of 352 Ravine in Hinsdale and let me know if it is not perfect.

Take a peak inside to see for yourself.

Main Level

Foyer
Covered front porch
Traditional entry door
Oak flooring
Turned oak staircase

Living Room 26 x 13
Oak flooring
Fireplace with marble surround and traditional mantel
Built-in bookcases and shelves on either side of fireplace
Floor-to-ceiling divided light windows
Crown molding
Tall base molding

Dining Room 13 x 12
Oak flooring
Tall base molding
Crown molding
Chair rail
Decorative light fixture
Sliding glass door with direct access to Sun Room
Two additional windows

Kitchen 17 x 13
Oak flooring
White wood cabinets
Recessed lighting
Appliances include refrigerator with through-the-door water and ice; oven/range with four burners and grill; dishwasher
Breakfast bar overhang
Pantry

Sun Room 17 x 11
Heated for year round use
Windows on three sides
Retractable roof

Powder Room
Oak flooring
Pedestal sink
Kohler plumbing fixtures

Second Level

Master Bedroom 14 x 12
Oak flooring
Crown molding
Two windows
Walk-in closet with organization system

Full Bathroom #1
Ceramic tile flooring and tub/shower surround
White wood vanity
Wall sconce lighting
Linen closet

Bedroom 2 14 x 10
Oak flooring
Tall base molding
Crown molding
Reach-in closet
Two windows

Bedroom 3 12 x 12
Oak flooring
Tall base molding
Crown molding
Reach-in closet

Full Bathroom #2
Ceramic tile tub/shower surround
White wood vanity
Wall sconce lighting
Linen closet

Basement

Family Room 29 x 12
Carpeting
Built-in bookshelves, cabinets and desk system
Recessed lighting

Laundry/Mechanical/Storage Room
Washer and dryer
Laundry sink

Miscellaneous Features

Exterior Features
Two-car detached garage
Brick exterior
Paver walkway
Bluestone front porch/patio area

 Schools
The Lane Grade School, District 181
Clarendon Hills Middle School, District 181
Hinsdale Central High School, District 86

Village Link
And the best part of all, is that this perfectly maintained home is priced at $599,900. In all of the homes for sale in the 60521 zip code, you will not find a better home.

Interested? Let’s talk. I am reachable at 630-455-8455.

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Where are residents of Hinsdale, Western Springs, Clarendon Hills, Willowbrook and Oak Brook supposed to go for good Mexican food? Not too many options are there? That’s why the owners of Tres Agave had made a brilliant strategic move in opening his concept where they have.

Located at 31 S. Prospect in downtown Clarendon Hills, Tres Agave is a welcome addition to the trilogy of popular restaurants in this now vibrant downtown. The other two restaurants are Scapa and Majean.

Tres Agave is in the space formerly occupied by the original Scapa Italian Kitchen.

The menu is what you would expect from local Mexican fare. Nothing crazy. The menu has a more-than-you-would-expect amount of seafood, including shrimp and salmon. As a mole lover, I was pleased to see more than two entrees featuring two kinds of mole.

The bean selection was at least two kinds of beans (pinto and black) served two ways (refried or boiled).

Table side guacamole preparation.

Tequila is available many ways including by the flight.

Based on the crowd that was there last Saturday night, Tres Agave is definitely both family friendly and date friendly.

Overall, a solid-performer. I will definitely go back.

9s300 Woodcreek Downers Grove IL

Squeaky clean and in absolute move in condition. See for yourself: 9s300 Woodcreek in Downers Grove IL is just sensational.

Conveniently set in the Mallard Landing neighborhood, just south of Plainfield Road and west of Cass Avenue, this is the perfect location for the commuter who drives. The accessibility to the city of Chicago (via Interstate 55), Oak Brook (via Route 83) and Schaumburg (via Interstate 355) is simply unmatched.

Why live in a far out place like Naperville when you could cut an easy 30 minutes off your commute each way?

This fine home is surrounded completely by like kind residences. The street is low traffic and quiet.

Here’s a sneak peek of the interior…

Main Level

Foyer
Dramatic two-story entry
Traditional entry door with side lights and transom
Marble flooring
Designer light fixture (George Kovacs design)

Living Room 17 x 14
Two story ceiling
Neutral plush carpeting
Triple bank of floor-to-ceiling windows with transoms
Ceiling fan with remote

Dining Room 13 x 12
Neutral plush carpeting
Double bank of windows
Designer pendant lighting fixture

Kitchen 17 x 13
Marble flooring
White cabinets
Kromark solid surface counter tops (Corian type)
Center island with breakfast bar
Designer light fixture over island
Recessed can lighting
Appliance package includes:
GE cook top
GE double oven
GE Profile microwave
GE dishwasher
Whirlpool refrigerator with through the door water and ice
Eating area with designer light fixture
Sliding glass door access to paver patio in back yard

Family Room 17 x 13
Carpeting
Marble fireplace
Sliding glass door access to back yard
Recessed can lighting

Den 12 x 10
French door entry
Carpeting
Double bank of windows

Laundry / Mud Room 8 x 5
Marble flooring
Upper and lower cabinets
Laundry sink
Maytag washer and dryer
Storage closet
Direct garage access

Powder Room
Marble flooring
Tempered glass sink
Custom designed mirror
Recessed can lighting
Silent flush commode

Second Level

Master Bedroom 21 x 13
Neutral plush carpeting
Vaulted ceiling
Two walk-in closets, one reach-in closet
Three windows

Master Bathroom
Ceramic tile floor, tub and shower surround
White vanity with double sink
Granite counter top
White plumbing fixtures
Whirlpool tub
Stand-up shower
Separate commode area

Bedroom 2 12 x 12
Carpeting
Full-wall closet
Two windows

Bedroom 3 13 x 12
Carpeting
Two windows

Bedroom 4 12 x 10
Carpeting
Reach-in closet
Two windows with transoms

Full Bathroom
Ceramic tile floor and tub surround
Granite counter top
White plumbing fixtures
Silent flush commode

Basement

Recreation Room 35 x 18
Multi-level loop carpeting
Wet bat with granite counter top, wine refrigerator and beverage refrigerator
Recessed can lighting
Pool table
Off-white love seat
Sony 52” TV, receiver, cassette/DVD/CD changer, VHS VCR and Direct TV, surround sound system
Built-in shelving

Exercise Room 29 x 10
Laminate flooring
Recessed can lighting
Wall-to-wall mirror

Full Bathroom
Ceramic tile floor and shower surround
Kohler plumbing fixtures
Pedestal sink
Steam shower with body sprays
Reach-in linen closet

Storage/Mechanical Room
Central air conditioning
Two sump pumps
Two 40-gallon water heaters
Blown-in cellulose insulation

Miscellaneous Features

Exterior Features
Brick and cedar siding exterior
Stamped concrete driveway and walkway
Paver patio
Play set
Wrought iron fencing
Professional landscaping

Garage Features
Two-car garage with a lot of storage (both sides of garage have cabinets)
½ h.p. garage door opening
Epoxy coated garage floor

Schools
Elizabeth Ide Grade School – District 66
Lakeview Junior High School – District 66
Downers Grove South High School – District 99
Village Link

9s300 Woodcreek in Downers Grove can be rented for $2,450 per month or purchased for $599,800, the choice is yours!

Contact the exclusive marketing agent, Bryan Bomba of Coldwell Banker, to arrange a private showing.

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5744 Garfield Hinsdale IL 60521

Plenty of options here:

• Rent it for $6,500 per month
• Buy it for $1,699,700
• Or rent it until you are ready to buy

5744 Garfield in Hinsdale, Il 60521 is an excellent value. Per the assessor, there is 5,390 square feet above ground, plus an amazingly well-finished lower level with an additional 2,000+ square feet. Three car garage. 64 x 296 lot. Five bedrooms. Six bathrooms.

See the virtual tour of 5744 S. Garfield Hinsdale IL 60521. The next step is to contact Bryan@BryanBomba.com to set an appointment for your private showing. I look forward to hearing from you.

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523 Wennes Court Oak Brook IL

Have you ever aspired to live in the woods? How about next to the 226 acres which comprises Fullersburg Woods in Oak  Brook? Here is a once-in-a-lifetime opportunity to own a nearly new home set on an extremely private cul-de-sac abutting the Fullersburg Woods forest preserve. Literally, the back yard of this home is contiguous to the woods. Through the dense trees, you can see and hear the soothing ambiance of Salt Creek

View of Fullersburg Woods

Beyond the absolutely spectacular 1+ acres of outdoor beauty, the home located at 523 Wennes Court in Oak Brook is a masterpiece in and of itself. View the virtual tour of 523 Wennes Court in Oak Brook IL 60523.

Comprised of some 10,000 square feet in all, the home’s personality is that of traditional elegance. The level of quality is world class. The design is traditional. While the standard throughout strictly adheres to excellence, the feel is very approachable.

With five full bedroom suites in all and an elevator transgressing all levels of the home, this home would uniquely qualify to satisfy the needs of an extended family who chooses to live together.

Here is a sneak peak of what’s inside….

Main Level

Foyer 17×12
Two-story
24-inch oversized formatted polished marble
Marble base trim
Dual eight-foot entry doors
Maple staircase
Dome ceiling with chandelier (motorized for ease of cleaning)

Dining Room 19×15
20-inch oversized formatted polished marble
Oversized chair rail
Arch ceiling with dual crown mold
Ceiling medallion with crystal chandelier
Arched entry from foyer

Butler’s Pantry 8×12
Maple flooring
Das Holz Haus brand painted, stained and slightly distressed maple cabinets
Granite counter tops

Kitchen 17×16
Das Holz Haus brand painted, stained and slightly distressed maple cabinets
Granite built-up counter tops
9×4 center island with prep sink
Designer lighting over center island
Coffered ceiling
Ample recessed lighting
Professional appliance package including 48” Sub Zero refrigerator with through-the-door water and ice; 60” Wolf oven/range with 6 burners, 2 griddles and 2 grills; built-in microwave;  2 dishwashers
Walk- in pantry

Breakfast Room 11×13
Maple flooring
Projects into back yard affording a commanding panoramic view of property
Tall base molding
Crown molding
Designer light fixture

Great Room 24×20
Maple flooring
Two-story vaulted ceiling
Double crown molding
Two-story Palladian windows overlooking back yard
Two-story stone fireplace
Designer light fixture

Library 16×16
Maple flooring
American Cherry wood wainscoting
American Cherry wood coffered ceiling
American Cherry wood Das Holz-Haus brand built-in cabinets with bookshelves
Fireplace with granite surround and traditional mantle
Ample recessed lighting
Floor to ceiling windows with transoms

Powder Room 1
Hexagonal design
Oversized marble flooring
Designer vanity from Italy
Granite counter top
Kohler plumbing fixtures
Architectural ceiling
Designer lighting
Wall sconces

Sun Room 20×15-Unheated
Wood-look ceramic tile floor
Hand-built stone fireplace
Windows with transoms
In-ceiling speakers
Sliding doors with access to back deck
Aqualink pool control panel

Master Suite 32×17
Grand entry foyer
Neutral carpet
Tall base molding
Chair rail
Tray ceiling with double crown molding
Triple bank of windows with transoms overlooking backyard
Fireplace with marble surround with traditional mantle

Master Bathroom
Oversized marble tile flooring
His/her vanities (her vanity with make-up station)
Granite counter tops
Whirlpool tub with marble tub deck
Shower with bench, hand held, and overhead showerheads
Private commode room with bidet
Kohler plumbing fixtures
His/her planned closets with dressing areas
 
Laundry Room 9×11
Oversized tile flooring
Maple upper and lower cabinets
Granite counter tops
Kohler laundry sink
Whirlpool Duet front load washer and dryer
Recessed lighting
Direct access to outside

Mud Room 16×7
Elevator
Oversized tile flooring
Direct access to garage
Reach-in closet

Powder Room 2
Oversized tile flooring
Tall base molding
Kohler pedestal sink
Recessed lighting

Second Level

Second Master Bedroom Suite #2 29×16 Southwest
Neutral carpet
6-inch tall base molding
Architectural ceiling
Designer light fixture
Crown molding
Triple bank bumped out windows
Private sitting area
Recess lighting
Large, planned walk-in closet
Private bathroom

Second Master Full Bathroom 2
Private bath for bedroom 2
Ceramic tile flooring tub/shower surround
Das Holz-Haus brand his/her vanities
Kohler plumbing fixtures
Aqua Air Jacuzzi tub

Bedroom Suite #3 16×16 Southeast
Neutral carpet
6-inch tall base molding
Half barrel vaulted ceiling
Double bank of windows with elliptical transom
Private bathroom
Full Bathroom # 3
Private bath for bedroom 3
18-inch oversized tile floor
Tall base molding
Das Holz-Haus his/her slightly distressed wood vanities
Granite countertops
Stand up shower
Kohler plumbing fixtures
2 decorative mirrors
Wall sconce lighting
Separate commode area
Double crown molding
Large, planned walk-in closet

Bedroom Suite # 4 15×16
Neutral carpet
6-inch tall base molding
Two windows with elliptical transoms
Crown molding
Designer light fixture

Full Bathroom 4
Private bath for bedroom 4
Porcelain tile floor and shower surround
Tall base molding
Das Holz-Haus brand maple vanity
1-1/4” granite counter top
Decorative mirror
Wall sconce lighting
Kohler plumbing fixtures
Crown molding
Large, planned walk-in closet

Bonus/Sitting/Computer/Game Room 15×12
Neutral carpet
6-inch tall base molding
Two windows
Tray ceiling
Ceiling fan
Two large closets

Laundry Room #2
Bosch front load washer and dryer
Upper and lower cabinets
Kohler laundry sink

Lower Level/Walk-out (10-foot ceiling height)

Recreation Room 24×20
Heated oversized porcelain tile flooring
Cherry wood fireplace with granite façade and cherry wood mantle
Ceiling fan
Ample recessed lighting
French doors on either side of fireplace leading to back patio

Bar 13×10
Custom Das Holz-Haus Cherry wood bar
Cherry wood upper and lower cabinets
Granite counter tops
Crown molding
Two Perlick beverage refrigerators
Clear Ice maker

Wine Cellar
Temperature controlled
Cedar rack system

Theater Room 24×15
Carpet
Eight-foot screen
Guilded double crown molding
Acoustical walls
Leather theater seating for eleven

Billiards Room 20×16
Large enough for champion sized pool table
Recessed lighting

Catering /Eat-In Kitchen 18×9
Das Holz-Haus brand Birch cabinets
Granite counter tops
GE Profile appliance package including refrigerator, oven/range, microwave, dishwasher
Double sink
Ample recessed lighting

Exercise Room 18×15
Neutral carpet
Full wall closet

Powder Room 3
Oversized porcelain tile floor
American Cherry wood vanity
Granite counter top
Kohler plumbing fixtures

Bedroom 5 15×15 South
Neutral carpet
Tall base molding
Crown molding
Designer light fixture
Double bank of windows
Walk-in closet
Private bathroom

Bathroom 5
Private bathroom for bedroom 5
Porcelain tile floor and shower surround
Das Holz-Haus brand painted wood vanity
Granite counter tops
Stand-up shower
Wall sconce
Kohler plumbing fixtures

Mechanical Room 1
Two 200-amp electrical panels
90%-plus high efficiency furnace
Two high efficiency water heaters with re-circulating lines
Kohler generator

Mechanical Room 2
Boiler for radiant heat in basement and garage

Miscellaneous

Interior Features
Ten foot ceiling height
4-1/2” pediments above all doors
1-3/4” interior doors
Low-voltage custom lighting and sound system throughout with low-voltage control panels
High efficient heating and cooling systems with purified water supply and steam humidification
Natural gas-fueled generator
Custom designed railing and banisters
Two lower level storage areas
Lower level locking storage closet
 
Exterior Features
1.1 acres
Cut stone and face brick exterior
Cement tile roof
Pella Windows
Trex maintenance-free deck
Custom railing and fencing
Overlooks Fullersburg Woods
Five-car heated garage (3-car attached, 2-car detached) Large storage cabinets, hot and cold water in attached garage
Gunite in-ground pool by Barrington Pools
In-ground spa
Pool house with oversize Viking grill and separate side burner, refrigerator, air conditioned bathroom/changing room with shower, skid resistant porcelain tile floor
Pool equipment/mechanical room
Landscaped by Wingren

Schools ~

Monroe Grade School, District 181
Clarendon Hills Middle School, District 181
Hinsdale Central High School, District 86

Important Link ~
Village of Hinsdale

Should you have additional interest in this home, please contact Bryan@BryanBomba.com for a marketing brochure and/or to schedule your private viewing. By appointment only.

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4451 Franklin Western Springs Illinois

Take a look inside 4451 Franklin Western Spring IL for a treat sought after by many, but achieved by few. Of course, I am referring to that elusive combination of a LARGE lot (213 feet deep in this case) combined with an in-town “walk to” location.

Most of the lots in the in-town sections of Western Springs are 50 x 135. To have a lot that is 213 feet deep is flat out unheard of. The benefits are many:

• awesome back yard
• wonderful space for the kids to scream
• increased privacy as the back yard neighbors are further removed
• Tons of space for future expansion

If you have viewed the virtual tour, you can see that 4451 Franklin in Western Springs Illinois is a cut above the rest. The floor plan is particularly family friendly. Oversized eat-in kitchen. Large family room. First floor office area. Hardwood floors. Finished basement.

Enough with the talk already, come take  a look for yourself by contacting Bryan Bomba of Coldwell Banker Western Springs 630-455-8455.

Check out the inside…

Main Level

Foyer
Traditional front entry door with side lights
Stone tile floor
Oak staircase
Guest coat closet
Decorative light fixture

Living Room 14 x 12
Oak flooring with walnut inlays
Cove molding
Chair rail
French door access to Family Room

Dining Room 14 x 11
Oak flooring with walnut inlays
Cove molding
Chair rail
Tall base molding

Kitchen 14 x 12
Oak flooring
Maple cabinets
Granite counter tops
Center island
Ample recessed lighting
Decorative light fixture over island
New appliances including Jenn Air refrigerator with through-the-door water and ice; G. E. Café oven/range; KitchenAid dishwasher; G. E. microwave

Breakfast Room 15 x 12
Oak flooring
French door with direct access to back yard
Planning desk
Ceiling fan

Family Room 18 x 12
Oak flooring
Fireplace with stone surround and traditional mantel
Triple bank of bumped out windows overlooking back yard

Den 12 x 9
Oak flooring
French door access to Living Room

Powder Room
Oak flooring
New vanity
Kohler plumbing fixtures
Wall sconce lighting

Mud Room 8 x 6
Direct outside access
Ceramic tile flooring
Whirlpool washer and dryer
Upper and lower cabinets
Laundry sink

Second Level

Master Bedroom 17 x 14
Neutral plush carpeting
Walk-in closet with organization system
Triple bank of bumped out windows
Vaulted ceiling
Ceiling fan
 
Master Bathroom
Ceramic tile floor, tub and shower surround
Vanity with his and her sinks
Granite counter top
Sconce lighting
Whirlpool tub
Separate shower

Bedroom 2 13 x 12
Neutral plush carpeting
Reach-in closet with organization system
Tray ceiling
Ceiling fan
Double bank of windows

Bedroom 3 12 x 12
Neutral plush carpeting
Reach-in closet with organization system
Tray ceiling
Ceiling fan
Double bank of windows

Bedroom 4 12 x 10
Neutral plush carpeting
Reach-in closet
Tray ceiling
Ceiling fan
Double bank of windows

Family Bathroom
Ceramic tile floor and tub surround
Skylight
 
Lower Level

Recreation Room 34 x 21
Carpeting
Above-ground windows
Built-in bookcases
Wine storage

Bedroom 5 16 x 11
Carpeting
Reach-in closet

Full Bathroom 3
Ceramic tile floor and shower surround
Stand-up shower

Mechanical Room
Additional storage area
90%-plus efficiency heating and air conditioning
50-gallon water heater
Sump pump with battery back up
Central vacuum system

Miscellaneous

Exterior Features
Brick and cedar exterior
Detached 2 ½ car garage
Rear deck
 
Schools and Village Links
Forest Hills Elementary School, District 101
McClure Middle School, District 101
Lyons Township High School, District 204
Village Link
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Is paying your credit card bills on time each month enough to maintain a high credit score?

Unfortunately no, there are two other lesser known factors that play a significant role in determining your scores.

The first is the relationship between what you owe and your total available credit.  It is generally believed that exceeded 30% of your total available credit starts to impact your scores negatively.  For example, if your total available credit on all of your open cards is $10,000 try to limit your purchases or balances to $3000 or less.  The higher this percentage is the more it will lower your score even if you are paying the bill each month.

Second, is the frequency in which you use your card.  Clearly, limiting your use of credit cards is the responsible thing to do but not using them enough will also negatively impact your scores.  Each creditor reports a date last active to the credit bureaus.  This is the date the card was last used.  The longer you go without making charges on the card the less valuable this credit reference becomes.  I suggest using each of your cards at least once per quarter to avoid having what appears to be a positive thing turn into a negative.

Authored by Tony Pigatti, Archer Bank.

TPigatti@archerbank.com

Five Key Housing issue in 2010

#1  Interest rates.   It is widely expected that long term rates will rise this year.  The real questions are when and by how much.  The Mortgage Bankers Association predicts only a modest rate increase of a .25%-.50% where some predict as much as a 1% increase.  These rates will still be very cheap based on historical standards.

#2 Foreclosures.   Thousands of adjustable rate mortgage are scheduled to reset this year potentially causing further stress on  financially challenged households.   Those with option arms or interest only loans are most at risk.   These borrowers will have limited options as the governments effort to modify mortgages has been largely ineffective.

#3 FHA, Fannie Mae and Freddie Mac.  Nearly 90% of all mortgages are now backed by Fannie Mae, Freddie Mac or FHA,  With the future of these organizations in doubt as they continue to suffer heavy losses, the prospect of further tightening loan standards is a real possibility.

#4  Expiration of the housing tax credits.  Home Sales were fueled in the late summer and early fall in part due to the tax credits and although Congress has extended the credit until the first of half of 2010, some economists believe that the tax credit will steal demand from future months.

#5 Jobs  Although the pace of job losses has subsided we are still not creating new jobs and have a long way to go to replace the 6 Million+ jobs that were lost in the last two years.   Jobs build confidence, confidence leads to spending particularly on housing.

I expect 2010 to be similar to 2009 but with slightly higher rates, a continued steady stream of foreclosures, some minor tightening in lending standards, and hopefully more jobs.

Tony Pigatti

Vice President Residential Lending

Archer Bank

Office #708-237-4049

Cell #630-254-8946

www.metrobankgroup.com

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Here are mt favorite pre-schools in Hinsdale IL. Which do you like?

Hinsdale Community Preschool

http://www.hinsdalecommunitypreschool.org/index.html

Hinsdale Adventist Academy

www.haa.org

Grace Episcopal Church Preschool

www.gracehinsdale.org

Hinsdale United Methodist Church

www.hinsdaleumc.com

Union Church of Hinsdale

www.uchinsdale.org