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Welcome to my website where you can find great information about O'Fallon, Scott Air Force Base, Shiloh, and St.Clair County, Illinois real estate!

If you are interested in selling or buying a home in O’Fallon IL, or any of the surrounding communities such as Shiloh and Scott Air Force Base. You've come to the right place! Kelly Ellerbrake and her trusted team have helped over 650 families sell or buy a home in the past 17 years. Be sure to check out our "Golden Ticket Certified" homes in the Featured Homes section of this website. You can also search all area homes from right here!

Need local real estate information? I've summarized much of what is important about the O'Fallon, Scott Air Force Base and Shiloh real estate market. Please be sure to check out the Local Info tab for detailed community information.

Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job.

Realtors adhere to a strict code of ethics approved by the National Board of Realtors (NAR). The code assumes that people conducting a real estate transaction must adhere to a higher set of standards than those people working in other business arenas. Realtors are, according to the Realtor Code of Ethics and Standards of Practice, "zealous to maintain and improve the standards of their calling."

Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR real estate agent. As your trusted, professional real estate partner, I will help you find the best home in the area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. As a top O'Fallon, Scott Air Force Base and Shiloh real estate agent, I have the experience and will get you the results you are looking for. Please allow me to be the Realtor for your ENTIRE family.

Warm Regards,
- Kelly Ellerbrake

To learn more about how The Kelly Ellerbrake Team can help you, check out these videos.

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School Reports in O'Fallon, Scott Air Force Base and Shiloh, Illinois

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Schools in O'Fallon, Scott Air Force Base and Shiloh

Financing Your Home >When Interest Rates Rise

Many people fall out of the home buying market when interest rates start to go up. This is often a mistake. Many of the best mortgages deals become available when lenders are competing for new business and sellers are competing within a smaller buyer pool. You just have to know how to keep the costs down in order to counter the higher interest rates.

One of the best tricks is the buy-down. In a buy-down, a fee is paid at the closing to get a lower interest rate. In a soft market, an anxious seller may be lured into to paying all or part of the buy-down. Another approach is to get the seller to pay some of closing costs, thus lowering the amount of cash a buyer needs to close. Frequently the seller's costs can be used as a write-off by the buyer. Always consult with your tax advisor if you are considering such an arrangement.

If the market is softening due to rising or higher rates, the price itself becomes an area where a buyer may be able to save a lot of money on a house through skillful negotiating. Lower prices mean lower loan amounts, so don't be discouraged by higher rates--use them to your advantage.

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Q	Where was the actual location of the fictional Genovian Consulate in the 2001 Disney comedy, "The Princess Diaries"?
A	The historic Doheny mansion, located on the campus of Mount St. Mary's College, near downtown Los Angeles.
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Kelly Ellerbrake, REALTOR®, real estate agent and broker for O'Fallon, Scott Air Force Base and Shiloh Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

Kelly Ellerbrake
RE/MAX Preferred
1668 Windham Way
O'Fallon, IL 62269
Phone: 618-632-0001
Fax: 618-632-7865
Email: kellyellerbrake@NUMBER1EXPERT.com

Kelly Ellerbrake has been a licensed Realtor for 16 years. She has been a member of the Scott Air Force Base and surrounding communities since 1980. As the daughter of a retired Air Force Colonel, she understands relocating! Kelly is a Certified Residential Specialist (CRS) and has helped more than 600 families relocate by assisting and supporting them with her unique buyers and sellers programs! Contact Kelly today to see why she is the area's #1 Real Estate Expert!

CRS REALTOR CDPE

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