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Real Estate Resources:

• Special Offers - Special offers for Naperville, Oswego and Bolingbrook homeowners from Jay Shepherd.

• Affiliates - Jay Shepherd's real estate web site affiliates.

• eNewsletter - Jay Shepherd'sNaperville, Oswego and Bolingbrook newsletter email will send you the latest real estate information.

• Today's Real Estate News - Daily real estate news for this neighborhood, Illinois, and United States.

• Market Conditions Report - Market conditions report for this area, Illinois, and United States.

• Monthly Payments & Schedule - Monthly loan payments java mortgage calculator.

• How Much Can You Afford? - Calculate how much home you can afford with this financial calculator.

• Determine Tax Savings - Calculate how much your monthly Naperville, Oswego and Bolingbrook, Illinois mortgage payments save you on your taxes because of loan interest.

• Should You Rent or Buy? - Is it better to rent a home in Illinois or buy your own Naperville, Oswego and Bolingbrook house, ranch, luxury property, condominium, acreage, or other real estate?

• Adjustable Rate Mortgages - Adjustable rate Naperville, Oswego and Bolingbrook mortgages information and interest rate java calculator.

• What Is Your APR? - Determine the Annual Percentage Rate (APR) for your mortgage.

• Fixed or Adjustable Rate Mortgage? - Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

• Are Balloon Mortgages For You? - Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.

• 15 vs. 30 Yr Mortgages - With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.

• How Much Should Your Income Be? - What income is required to qualify for a mortgage? Use this calculator to find out.

• What's Your Maximum Mortgage? - This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.

• Will Buying Points Save You Money? - This calculator helps you determine if you should pay for points, or use the money to increase your down payment.

• TripleCalc - FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Illinois real estate.

• Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more.

• Ask Anything - Ask Jay Shepherd anything real estate.

• NUMBER1EXPERTS™ - List of all the NUMBER1EXPERT™ real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.

• Real Estate Tips - Jay Shepherd's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

• Real Estate Trivia - Jay Shepherd's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.

• Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Naperville, Oswego and Bolingbrook property in Illinois, including legal terms definitions, and more.

• Go to Main Sitemap - Main sitemap sections include Find Naperville, Oswego and Bolingbrook Homes, For Home Buyers, For Home Sellers, Naperville, Oswego and Bolingbrook Information, Real Estate Resources, and About Jay Shepherd.

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"A model of how the Internet can facilitate the process of deciding where to send your children to school" - America's Best School Profiles by The Heritage Foundation Illinois Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.   Schools in Naperville, Oswego and Bolingbrook

Closing or Settlement >The Settlement The final stage of a home sale transaction is the time to tie up all the loose ends. The buyer and seller will sign the settlement sheet at the closing, detailing all of the charges that each party has incurred during the sale of the house. It is crucial to go over the sheet for accuracy and to make sure that you understand everything on it before you complete the transaction. When a contract is negotiated, each side agrees how to divide the loan fees (or points), as well as the other closing charges, such as state or local taxes or escrow fees. Your real estate agent can go over the settlement sheet and help you compare it with your purchase agreement. The seller's charges usually include the brokerage fee, the mortgage payoff, and any charges involved in clearing the title, as well as pro-rated property taxes, payments for termite treatment and escrow for repairs that could not be completed by closing. The buyer's costs include charges for the loan and title searches, insurance and any other legal fees. A good closing officer will go over the settlement sheet line by line, explaining each item and correcting any misplaced charges. See All Tips In The "Closing or Settlement" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What holds the title as the tallest reinforced concrete building in the U.S.? A  311 South Wacker Drive in Chicago was completed in 1990 and is 65 stories high. See More Real Estate Trivia >

Jay Shepherd RE/MAX Professionals Select 2272 95th Street Naperville, IL 60564 630-294-4900 Fax: 630-904-7130 Jayshepherd@NUMBER1EXPERT.COM JayShepherd@remax.net www.NapervilleSold.com is brought to you by Jay Shepherd NUMBER1EXPERT™ in real estate for Naperville, Oswego and Bolingbrook, Illinois Read Jay Shepherd's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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