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JUST LISTED - Don't miss this opportunity!! Ranch style 2 bedroom duplex in Woodlake. Newer appliances. 1 car garage. NO MONTHLY HOA FEES!! Great opportunity for affordable 1 story living with the feel of a single family home. Fenced backyard. Really cute home with adorable front porch. Walk to Welch Elementary and/or Neuqua High School. Convenient location - close to New Library, Park-n-Ride, Shopping, Dining and more. PRICED TO SELL - HURRY. $147,900. Where else can you find something like this in the area??? This is a SHORT SALE. Bank Approval Required. Already have 1 offer to submit to bank....bring a 2nd.......best offer wins! DONT DELAY Call DIANN CAREY, Baird & Warner for an appointment to see the home. 815-761-7918 (diann.carey@bairdwarner.com) Visit www.foxvalleyhomesonline.com for additional photos 
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Are You Considering a Naperville Short Sale? Would you like to walk away with a little money in your pocket? The Government has announced a New Program to Facilitate Short Sales and avoid Foreclosures. It benefits the homeowner as well as the lien holders. Hopefully this will accelerate the process, because short sales are notorious for taking weeks and/or months to close when a buyer is found. Do you qualify as a homeowner for $1500 from the government? Read the guidelines below: Government Announces Short Sales Guidelines
The U.S. Treasury Department announced new guidelines this week designed to make short sales go more smoothly.
To qualify under these new guidelines: - The property must be the home owner’s principal residence.
- The home owner must be delinquent on the mortgage or close to defaulting.
- The loan must have been made before Jan. 1, 2009, and be for less than $729,750.
- The borrowers’ total monthly mortgage payment must exceed 31 percent of their before-tax income.
Under the plan, borrowers will receive $1,500 from the government for selling homes for less than the amount of their mortgages. Mortgage-servicing companies will get $1,000 for each completed short sale. Second-mortgage holders can receive up to $3,000 of the sales proceeds in exchange for releasing their liens. Investors who hold the first mortgage can collect up to $1,000 from the government for allowing the payments.
Borrowers who complete a short sale under the program must be "fully released" from future liability for the debt, according to the guidelines.
IF YOU ARE CONSIDERING A SHORT SALE TO AVOID FORECLOSURE, Contact me: Diann Carey 815-761-7918 or diann.carey@bairdwarner.com to take advantage of this program.
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• 2 bath, 2 bdrm single story - $154,900 - Ranch 1/2 Duplex!! Woodlake, Naperville - Will County - NAPERVILLE SHORT SALE! RANCH 1/2 DUPLEX 2 BEDROOM 1.1 BATH. ALL APPLIANCES INCLUDED. NEWER REFRIGERATOR AND STOVE. WALK TO NEUQUA HIGH OR WELCH ELEMETARY. GREAT ONE STORY LIVING OPPORTUNITY WITHOUT MONTHLY FEES. FENCED BACKYARD AND CUTE FRONT PORCH. CLOSE TO SHOPPING, LIBRARY AND PARK & RIDE. FENCED YARD. YOU'LL LOVE THIS ONE. THE FEELING OF A SINGLE FAMILY HOME WITH NO MONTHLY HOA FEES AT ALL. $105 ANNUAL FEES ONLY. Property information
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Open House Invitation - Sunday November 22, 2009 from 1 -4 PM at 3604 Landsdown in Tall Grass of Naperville. Price reduced to $509,000!!! This is one of the lowest priced homes in the subdivision and is in beautiful condition. Professionally decorated!! (and it looks like it) 4 beds, 2 1/2 baths, 3 car garage, full, partially finished basement, large fenced yard, Lot Faces NORTH! Fireplace, first floor den, gorgeous granite counters in kitchen. Please come, you won't be disappointed. Seller is motivated. If it doesn't sell soon, it will be rented. (sale preferred - make an offer) Directions to property: South on Rte 59, Right (West) on 95th, South (Left) on Tall Grass Dr to home. Just follow the signs w/yellow balloons. Easy to find. SEE YOU THERE!! Contact me with any questions: Diann Carey Baird & Warner 815-761-7918 diann.carey@bairdwarner.com WWW.FOXVALLEYHOMESONLINE.COM 
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Good News for Home Buyers!! If you are a first time home buyer, your $8000 tax credit has been extended. AND for current owners who have lived in their home for 5 of the last 8 years, you can now receive a tax credit of up to $6500, when purchasing your new home. In order to qualify, home buyers must have a binding contract on or before April 40, 2010 and close by June 30, 2010. Since this is likely the last government sponsored tax credit, don't let this opportunity pass you by. Certain restrictions do apply, so contact me for additional details. Diann Carey 815-761-7918 diann.carey@bairdwarner.com www.foxvalleyhomesonline.com
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You are cordially invited to an open house on Sunday November 15, 2008 from 1-4 PM in the Fabulous TALL GRASS SUBDIVISION of Naperville. A luxury custom home community with pool, clubhouse & tennis amenities for homeowners to enjoy. This home, located at 3604 Landsdown is one of the lowest priced homes in the community at $514,000..... 4 bedrooms, 2 1/2 baths, 3 car garage, finished basement, hardwood floors, luxury master suite, Large North facing Lot.....Please join me for a private tour. 3604 Landsdown, Naperville. call me if any questions. Diann Carey 815-761-7918 diann.carey@bairdwarner.com WWW.foxvalleyhomesonline.com
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You are cordially invited to an OPEN HOUSE located at 2403 Sisters Ct, Naperville. 3 bedrooms, 2 1/2 bath, 2 car garage w/basement (single family home) located in Woodlake Subd, which is just north of 95th St & Neuqua High School. Very short walk to both Neuqua High and Welch Elementary Schools. All appliances included (with washer & dryer). Family as Fireplace!! Large Kitchen!! Really cute home, Immediately Available. $1800 mo/rent. Prefer no pets, but will negotiate for great applicant, with add'l pet deposit. So, stop by on Saturday, Nov. 7, 2009 from 12 to 3 PM to see this really nice rental opportunity. Get settled into your new home for the holidays. See you there! Directions: South on Rte 59, East on 95th St, North on Skylane to Sisters Ct. Easy to find. Call with questions: Diann Carey 815-761-7918 
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Would You Like to Receive a CASH REBATE for purchasing a home?? I am making a special limited time offer to all Tall Grass Buyers who allow me to represent on their new single family home purchase in TALL GRASS of NAPERVILLE. No Strings attached. Home sale must close on or before December 19, 2009 to qualify. Help me boost my end of year (2009) sales and I'll give you a $1000 cash rebate to give you a little extra holiday cash!! Its a WIN-WIN opportunity! contact me today by cell 815-761-7918 or diann.carey@bairdwarner. There is plenty of time to arrange financing, but dont wait until it's too late.
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If you are a Veteran of the US Military, you could qualify for a VA loan to purchase a home with no money down. ZERO DOWN PAYMENT! This is really one of the only programs for zero down loans still available. Loan amounts of up to $417,000 will qualify and seller assistance with closing costs is permitted. VA Loans are also assumable. So, if you are a veteran, consider this fabulous benefit that is available to you to make it possible for you to purchase a home. There is an abundance of available homes on the market today. Many, many to choose from in all price ranges. If you would like more information on available homes for your consideration or would like a lender referral, please contact me at 815-761-7918 (Diann Carey) Baird & Warner or email me at diann.carey@bairdwarner.com Visit my website: WWW.FOXVALLEYHOMESONLINE.COM
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Charming single family home for rent in Woodlake Subdivision of Naperville. 3 Bedroom, 2 1/2 baths, 2 car garage, basement, Family room with fireplace. Located on a cul-de-sac, quiet neighborhood just north of 95th street (very near Neuqua High School) Park/playground in subdivision. Close enough to walk to shopping, movies, library. Park-n-ride nearby as well. Available Immediately. Appliances included (with washer/dryer). $1800 monthly ($1800 security deposit). 1 year lease minimum. Sorry, no pets. Smokers? outside only please. For additional pictures & details, go to: WWW.FOXVALLEYHOMESONLINE.COM Contact me for a private showing: Cell-815-761-7918 Email- diann.carey@bairdwarner.com Diann Carey Baird & Warner 2403 Sisters Ct, Naperville, IL 
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Please join me on Sunday October 18, 2009 from 1 - 4 PM for an open house at 3315 Danlaur Ct, Naperville in the Tall Grass Subdivision. From the moment you enter this NEW CONSTRUCTION home, you will be impressed. 5000 sq ft, full walk-out (unfinished basement), backs to pond, cul-de-sac lot, 5 bedrooms, 4 1/2 baths, 3 car garage, 1st floor bedroom suite, Second floor Master bedroom suite, Chef's Dream Kitchen, Sunroom, Deck, multiple pond views. You just have to see it to appreciate the beauty & luxury. Please join me for a personal tour. Directions? Follow Route 59 South to 103rd St, turn Right (west) on 103rd St to Mistflower, turn Right (north) on Mistflower to Danlaur Ct, Left (West) on Danlaur. Home at end of cul-de-sac. Just follow the Baird & Warner signs with the yellow baloons. 
Hope to see you there!! Diann Carey For additional pictures, go to www.foxvalleyhomesonline.com & view "featured listings". Any questions, call my cell 815-761-7918 or email me at diann.carey@bairdwarner.com
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You are cordially invited to a first ever OPEN HOUSE in THE PADDOCKS of NAPERVILLE on Sunday Oct 11, 2009 from 1-4 PM. This NEW CONSTRUCTION builders spec home is truly spectacular!! Over 7000 sq ft of luxury living including 6 bedrooms, 6 1/2 baths, 4 car garage on a lot that backs to a pond. 10 foot ceilings, 8 foot doors, Brazillian Cherry, Granite everywhere, Professional SS Appliances and assigned to Neuqua High School.Some flooring choices have been left for the buyer to choose, landscaping will be completed for buyer as well. Quick close possible. Bring an offer. Conveniently located near the intersection of 87th St & Book Road, which is East of Route 59. Please join me for a personal tour of this beautiful home.  FOR ADDITIONAL PHOTOS - view at www.foxvallehomesonline.com or call me DIANN CAREY 815-761-7918 diann.carey@bairdwarner.com with questions. Hope to see you there.
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Good News for Naperville's TASS GRASS Subdivision as buyers are turning out in droves to snap up all the fabulous opportunities available. In the last 2 months there have been 26 homes that have either closed already or are under agreement. Inventory is lower than it has been in years. Prices have dropped as a result of the market conditions and buyers are recognizing value here! Traditionally, August & September are expected to be slow, seasonal real estate markets, BUT not this year, not in Tall Grass. If you ever had an interest in TALL GRASS, now is the time to seriously consider making a purchase. Interest rates are at all time lows. Prices have become increasingly affordable. Seasonal slow-downs will bring even greater values. Don't wait until after the holidays when all sellers are looking forward to the spring selling season. If you are interested in seeing all available properties in TALL GRASS, contact me asap. Diann Carey diann.carey@bairdwarner.com 815-761-7918
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Naperville Foreclosures & Short Sales can offer big benefits to buyers in the current market conditions, but it's not all a bed of roses. The up-side of buying Foreclosures/Short Sales is pretty obvious "PRICE". There is definitely a "down side" however. Let me share a few that come to mind immediately: Both Foreclosures and Short sales are usually sold in "as is" condition. Foreclosured properties are often in distressed condition as well. The banks usually "winterize" the homes, which means the utilities are turned off. This makes buyers home inspections more challenging. They take more time to inspect, because the utility bills must be brought up-to-date, utilities must be turned on for inspection at buyers expense, and then after inspection, buyer is sometimes responsible to have the home re-winterized. All in all, its a time consuming and complicated procedure. Foreclosures will have a quicker response time to contract offers than short sales which is a definite advantage. However, the banks will transfer much of the traditional seller's closing costs to the buyer at settlement, so buyers of foreclosed homes must keep that in mind when negotiating purchase price. When purchasing Short Sale properties, the utilities will usually still be turned on, which makes it a little easier for inspection. Thats a big advantage. A disadvantage however is that decisions/response to contract offers can take weeks/months to receive. During the time that buyers are waiting for a response, the home will frequently continue to be marketed. If a better offer comes in during this period before acceptance, the Bank will take the best offer and reject the other, even if you have been waiting for weeks. Every foreclosure & short sale is different. There is no Rule to follow. Each bank has it's own procedures. But, as you can see there are many factors to consider in purchasing foreclosures and short sales. Contact an experienced real estate agent to assist you when considering a bank owned or short sale property. Contact me if you have any questions or if you would like to see available properties(in all areas). Diann Carey 815-761-7918 (cell) diann.carey@bairdwarner.com www.foxvalleyhomesonline.com
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What are the basic differences between REO properties and Short Sale properties? Naperville REO Properties are owned by a lending institution, typically a bank. REO is an acronym for "Real Estate Owned" Sometimes REO Properties are referred to as "Bank Owned Homes" as well. Naperville REO properties have been foreclosed and the home owner is completely out of the picture, the home is vacant and often utilities are shut off. Naperville REO properties are being sold by a Realtor contracted by the bank. The banks almost always sell all properties "as is". Often the homes are distressed properties. A Naperville Short Sale is a pre-foreclosure sale when the home owner (borrower) is still in the picture but owes more than the house is worth In this case the lender is involved because the lender has to agree to the sale price and the loss that they are going to take. There may be some room for inspections and contingencies in the short sale scenario but the bank still has the last word and to get a deal done a buyer must be willing to forgo certain issues. Naperville Short Sales can take a considerable amount of time to purchase. Sometimes there are multiple banks involved and all have to agree to the terms. Choose a Naperville Real Estate who has experience or knowledge in distressed property can be incredibly useful. These real estate deals are complicated and take knowledge to complete.
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