Rita Kerins-Neighborhood Expert Chicago Real Estate Broker

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.

Moving On Up: Should You Buy Or Sell First?

It’s exciting to be able to move into a new home. But there are some tricky details to navigate when you already own a home and you’re ready to buy a new one. Should you buy or sell first? Don’t worry. There are viable solutions.

Buy A Home This Year To Build Wealth

It is important for everyone to diversify their investments. When people hear this term, they usually think about diversifying their investments across stocks, bonds, and mutual funds. In addition, it is also a prudent idea to leave the traditional financial markets and look for other sources of wealth as well. This includes real estate. Without a doubt, this has been a challenging year. At the same time, those who are looking to build wealth should consider purchasing a house this year. There are several reasons why.

An Overview Of Private Mortgage Insurance

When you are going through the process of looking for a new home, you are probably focused on the sticker price of that home. Even though it is important to think about your down payment, your monthly mortgage payment, and the total amount of the loan, there are other expenses that you might need to cover as well. If you do not put down enough money, there is a chance that the lender could ask you to pay for something called private mortgage insurance. What is private mortgage insurance and how much do you have to pay? There are several important points that you should keep in mind.

The Top Tips For Impressing A Potential Buyer At Showings

For those who are getting ready to put their home on the market, they want to make sure they get as much money as possible for their home. This means making a positive first impression. There is never a second chance to make a first impression. Therefore, homeowners need to make sure they do everything possible to “wow” potential buyers at open houses and showings. What are a few of the top tips that homeowners should keep in mind?

Case-Shiller Reports Home Prices Rise at Fastest Pace in 7 Years

S & P Case-Shiller Home Price Indices reported the fastest pace of U.S home price growth in seven years. National home prices grew by 10.40 percent year-over-year in December as compared to November’s reading of 9.50 percent home price growth on a year-over-year basis.

What Homeowners Must Do When Behind On Mortgage Payments

There are lots of homeowners who fall on rough times from time to time. For example, some people may be in the midst of changing jobs. Other people might be going back to school. When this happens, it can be hard for homeowners to keep up with their mortgage payments. Even though they might be thinking about waiting for the bank to do something, this would be the ultimate mistake.

Do You Need Mortgage Insurance Even If It’s Not Required By Your Lender? Let’s Take A Look

Most loan applications with less than 20% down payment are required to include mortgage insurance with the loan. However, mortgage insurance may still be needed, even if it’s not typically required by your lender.

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