Wauconda, Island Lake, McHenry and Barrington real estate and homes for sale in Illinois, Foreclosures and Bank Owned Properties, Investment Property - The Ryan Team, REALTOR® REALTOR® Logo - NUMBER1EXPERT™ NUMBER1EXPERT™ Logo
Contact Information
Email The Ryan Team
Login
Go To Sitemap
The Ryan Team
Real Estate Experts! Experience you Need Reputation you Trust! Call The #1 Experts at (847)526-0300

Feature Properties
Search All Local Listings


Property Management

MLS Search
Special Offers
Buyers Want Your Home for as Little as Possible.
Are you thinking of selling your home? You should know exactly what it's worth before making such an important decision.
Find Out More >
View All Offers >

Testimonials
"You Guys Are Among The Best"
"As someone who deals with Realtors all over the country on a daily basis, I can tell you that you guys are among the best"
David J. Bogan
Read Quote >
View All Quotes >

TripleCalc
Compare three mortgages at one time. Download TripleCalc now. It's free.

Real Estate - Homes - NUMBER1EXPERTS Sell More!
The Ryan Team is one of The Top Selling Real Estate Experts™
Find Out More >





Sean Ryan on Zillow
Latest Listings
Get the Latest Listings Before Anyone Else!
As soon as we list another home for sale, we'll email you. You'll know first.
Name:
Email:
Affiliates
GUARANTEED RATE
Getting the best Loan for you!
Find Out More >
View All Affiliates >

Latest News
Get the Latest Real Estate News, Hot Off the Presses!
If you are buying or selling a home, you need our eNewsletter.
Name:
Email:
Pre-Qualify For Your Mortgage
Welcome > For Buyers > Mortgage Prequalification ...

Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend! 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. Additionally, being pre-approved by a lender is a step necessary to submit offers on certain properties. Even if the seller does not require it, it always will help your negotiating if the Seller knows they are dealing with a pre-approved buyer and will benefit you in negotiation on any property. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

We help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: we will respect your privacy! We know this is your personal information, and we will not distribute it to anyone, other than to our preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of our job as top Wauconda, Island Lake, McHenry and Barrington real estate agents to offer services such as these. 

You can also, contact one of these qualified lenders directly: 

FISHER MORTGAGE COMPANY 

Todd Fisher, President
333 E IL Route 83, Ste. 206
Mundelein, IL 60060
office phone: 847-837-5300x215
office fax: 847-837-5107
cell phone: 312-315-9321  

PROSPECT MORTGAGE  

David Whitaker, Sales Manager
300 North Martingale, 1st Floor Suite 100
Schaumburg, IL 60173
Cell: (312) 550-6797
Fax: (877) 798-9697

GATEWAY FUNDING 

Tony Piotrowski
Certified Mortgage Planner
Gateway Funding
Diversified Mortgage Services, LP
Office: 847-686-0431
NEW FAX NUMBER: 630-333-1682 

Another option is to fill out the form, we will quickly process your information and have someone get right back to you! 

We can help you pre-qualify for your mortgage. It's our job! This is free and without obligation... 

About You
* Your Name:
* Your Email Address:
Your Street Address:
City:
State/Province:
Country:
Zip/Postal Code:
Phone:

About Your Move
When Are You Moving?
Where Are You Moving?

About Your Home Search
Your Price Range?
Number Of Bedrooms?
Number Of Bathrooms?
Home Size In Square Feet?

Loan Info
Anticipated Down Payment:
Desired Loan Amount:
Total Monthly Income:
Total Monthly Debt Payment:

Additional Info
Please Enter More Details,
Along With Any Comments,
Concerns, Or Questions:
Send Latest Listings: What is this?
Send Latest News: What is this?

*Please note that fields marked with an asterisk are required.


Email With Confidence
Quick Response Guarantee >
Your Privacy Is Guaranteed >
Free & Without Obligation >


Real Estate Tips
About Appraisals >Fair Market Value

What is the best price for a piece of real estate? Mortgage lenders, appraisers, and real estate brokers use what is called the "fair market value" (FMV). FMV has been defined as "the price that a buyer is willing to pay and the seller is willing to accept, when both parties are knowledgeable about the property and neither is under any time pressure to buy or sell". Sounds great, but how is this price determined?

The starting point for determining a fair price may be an opinion of the value or "comparative market analysis". Such an analysis uses information on similar properties which are: 1) currently for sale, 2) already sold, or 3) expired properties (those which did not sell). Local, national and international trends and market conditions must also be evaluated.

By comparing similar properties in each of the three categories and the market conditions, appraisers, lenders and agents come very close to the maximum price that buyers would be willing to pay for a house.

See All Tips In The "About Appraisals" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
What is an encumbrance against a property, which may be voluntary or involuntary?

A 
There are many different kinds of liens: a tax lien, a judgment lien, a mortgage lien, and a mechanic's lien.
See More Real Estate Trivia >


Print This Page Send To A Friend


The Ryan Team, REALTOR®, real estate agent and broker for Wauconda, Island Lake, McHenry and Barrington, Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

The Ryan Team
Ryan and Company, Realtors

206 S Main Street
Wauconda, IL 60084
(847) 526-0300
Fax: (847) 526-0380
ryanresults@aol.com

RYAN and COMPANY, REALTORS are a Full Service Residential, Property Management & Commercial Real Estate Company with...Experience & Knowledge you need in todays market!


Ryan and Company Realtors Logo
CoStar Group Logo HMB Inc Logo
LoopNet Logo Realtor.com Logo HUD Logo
Midwest Real Estate Data LLC Logo

ChicagoCDB.com Logo

www.RyanRealtors.com is brought to you by The Ryan Team
NUMBER1EXPERT™ in real estate for Wauconda, Island Lake, McHenry and Barrington, Illinois, Foreclosures and Bank Owned Properties, Investment Property

Read The Ryan Team's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge



USA and Canada Real Estate - NUMBER1EXPERT
NUMBER1EXPERT®
© Homes Media Solutions™, a division of Dominion Enterprises and/or its clients.
All rights reserved. All information deemed reliable but not guaranteed.

www.RyanRealtors.com is brought to you by The Ryan Team