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Why Buyers Choose Chris Pagano
Welcome > For Buyers > Why Buyers Choose Chris Pagano ...

Buying a Home Requires Many Difficult Decisions. Make Sure Your real estate agent is a Top Local Expert. 

Your home is probably the biggest purchase your family will ever make, and it involves many decisions that go beyond simply choosing one you like. 

As a top Chicago, Gold Coast, Lincoln Park and Lakeview area real estate agent, here is how I will guide you through the entire process, from viewing homes and financing, to making sure the final contract is in your best interest: 

- You will have full access to ALL homes available on the Chicago, Gold Coast, Lincoln Park and Lakeview market, even listings not yet on the MLS, through my professional Illinois real estate affiliations. 

- My expert local knowledge of the Chicago, Gold Coast, Lincoln Park and Lakeview area should be invaluable to you, not just in terms of real estate, but also schools, neighborhoods, the local economy, and more. 

- Every local real estate market absolutely has its own trends and opportunities. This can vary greatly, even one neighborhood to the next. Chicago, Gold Coast, Lincoln Park and Lakeview is no different! It's my job to steer you into opportunities and out of traps. 

- What is the true market value of the home you are interested in? Is it priced too high? Is it a bargain that you should jump on? I help home buyers make decisions like this every day, and I'll make sure that YOU get the best value for your money. 

- Negotiating with sellers can be stressful. I will help you negotiate, so that the final contract includes your best possible terms and conditions. 

- You should know absolutely everything about the property you are buying! You and I will view every home that you are interested in, together. And prior to closing I will make you fully aware of any and all inspections available to you. 

- Have confidence when signing documents. Contracts are full of complicated terms and clauses that can greatly affect your future life in your new home. I will give you the full benefit of my real estate knowledge and experience. 

Let me represent your best interests in your search for a new home in the Chicago, Gold Coast, Lincoln Park and Lakeview area. While you can see a million homes on the web, actually buying your home is another matter entirely. Buyers beware! 

Ask me any question about buying a home in Chicago, Gold Coast, Lincoln Park and Lakeview. It's my job to help you! There's no obligation, and I promise to respond quickly... 

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Real Estate Tips
Financing Your Home >Mortgage Terms

New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.

Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.

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Real Estate Trivia
Q 
What famous American Lady has an arm length of 42 feet?

A 
The Statue of Liberty
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Chris Pagano, REALTOR®, real estate agent and broker for Chicago, Gold Coast, Lincoln Park and  Lakeview, Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

Chris Pagano
Coldwell Banker Residential

1840 N. Clark St
Chicago, IL 60614
Phone: 312-475-3209
Fax: 312-884-8629
chrispagano@NUMBER1EXPERT.com


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