O'Fallon, Scott Air Force Base and Shiloh real estate and homes for sale in Illinois - Kelly Ellerbrake, REALTOR®

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Testimonials

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"You exceeded our expectations..."

Kelly,

Words cannot express our sincere appreciation for the care you provided in the sale of our home. Your professionalism, attention to detail and exceptional follow through made this experience a very positive one. These attributes were also very apparent from members of your team, especially Brad, Nicole and Paul. Special kudos to Nicole for holding my hand and being so compassionate and concerned when I need last minute help in getting repairs done. She also helped me keep it together emotionally when I was feeling stressed while attempting to “handle” a problem when I was out of town. I knew that you were the realtor for us 10 years ago. You exceeded our expectations and I am happy to share this information with others.

Sincerely yours,

Sonya Herron

Sonya Herron

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

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Real Estate Tips

Financing Your Home >Assuming a Mortgage

You may be able to assume the seller's mortgage liability when buying a house instead of having to apply for a new loan.

Assuming a loan could minimize your down payment or closing costs and get you a more advantageous interest rate. To know whether an assumption will work, find out the loan balance. If the balance is a small fraction of the purchase price, you will have to come up with a large down payment or get a second loan for the difference, unless the seller is willing to provide some of the financing. If the loan balance is high, the loan may have been made when interest rates were higher than they are today.

Most newer loans that are assumable have adjustable rates. If you are considering an assumption because of credit problems, you will need the lender's approval to make the transaction work.

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Real Estate Trivia

Q	What Elvis Presley film showcased Coco Palms in an outrigger canoe wedding scene?
A	Blue Hawaii (1961)
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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

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!

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O'Fallon, Scott Air Force Base and Shiloh real estate and homes for sale in Illinois - Kelly Ellerbrake, REALTOR®

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