Mortgages – Rita Kerins-Neighborhood Expert Chicago Real Estate Broker

Most Common Questions First-Time Home-Buyers Ask

Buying your first home is an exciting milestone in life, but it can also be overwhelming and filled with questions. As a first-time home buyer, you want to make informed decisions and ensure a smooth process. Below we will address some of the common questions that first-time home buyers often ask.

Running A Quick Financial Health Check Before You Apply For A Mortgage

Getting a mortgage is a significant financial decision, and it is crucial to ensure that you are financially prepared before applying for one. Conducting a quick financial health check before applying for a mortgage can help you determine your financial standing and your ability to afford a mortgage payment.

3 Reasons to Avoid Giving Wrong Information on Your Mortgage Application

Completing a loan application is among the first steps mortgage applicants take when applying for a loan, and it is easy to overlook the importance of providing accurate information at this stage in the process. It is best to take time complete the loan application as accurately as possible as it is a legal requirement and because of the other negative consequences.

3 Easy Ways to Put Aside a Bit of Extra Cash So You Can Pay off Your Mortgage Faster

If your personal budget is similar to many other people’s budgets, your home mortgage payment is by far the largest expense that you pay for each month. In fact, this payment may easily account for 20 or 25 percent or more of your take-home income. Understandably, you may be focused on trying to pay this expense off early.

Buying a Home? 4 Steps You Can Take to Ensure You Start out with a Low Monthly Mortgage Payment

Are you thinking about buying a new house or condo? If so, you’ve likely given some thought to your mortgage and as to how you can pay as little as possible in order to own your new home.

It Is Tax Time Again Learn About Tax Deductions and How to Write off Your Home Mortgage Interest

Much to the frustration of taxpayers all over the country, the tax-filing season begins in January and runs through April 15 of each year. The year 2020 brought us many changes, including an extension on filing taxes. Taxes this year are due on July 15th. Are you ready?

You Ask, We Answer: What is Private Mortgage Insurance or ‘PMI’ and How Does It Work?

For many homeowners, their mortgage payment contains more than just principal and interest. A little something called PMI could be representing a significant portion of that payment, and it’s important for home buyers to understand this cost.

3 Tips To Consider When Buying A Home With An FHA Mortgage

FHA loans are becoming increasingly popular these days as potential homeowners may not able to qualify for mortgages from traditional lenders. The FHA insures some higher-risk loans, in turn allowing borrowers with low down payments and less than perfect credit to purchase homes and bolster the housing market.

Contact Rita
773-807-2387
rita@ritaestate.com

Rita Kerins
Real Estate Advisor

A Chicago Native, Rita Kerins is a realtor who balances her tech-savvy skills, with the personal connection of seeing her clients from the start of their journey, all the way to the closing table.

“We truly enjoyed working with Rita. She really understands the Chicago real estate market and helped us reach our end goal of selling. She was very friendly, straightforward, attended every showing in person and constantly provided immediate feedback on every showing.” - Robert and Tanya Eckl

Rita approaches each client with a personal touch. She takes her time to understand their needs and communicates with them every step of the way. Rita truly enjoys the close interactions she has with her clients. Being with her clients when they find the perfect home or sharing the news that their home has sold are the moments that make her truly passionate about her job.

“Rita Kerins is what every buyer and seller needs. She is always there for her clients. At no step of the process did I have to wonder what was next, or feel terrified that I didn’t know what to do, because Rita explained what was going on and what to expect. I’ll always recommend Rita Kerins to all of my friends and co-workers and will ask her to be my agent whenever I go to sell my property and buy my next place. She’s that good!” - Johanna Gonzalez

Let her help you find your perfect home. Contact Rita today!

Designations and Awards

- Graduate of the Realtor Institute (GRI)
- Certified Luxury Home Marketing Specialist (CLMHS)
- Certified Social Media Marketer (CSM)
- Chicago Association of Realtors Top Producer Award Winner