About Kane County, IL

Today you might not think its a big deal. Don't make a choice you might regret 2, 3, or 5 years from now.
I know these are hard times and it is even harder to make a choice like this. Look through the information and then give me a call. I can talk to you about your options and then let you decide or fill out the form on Page 4 and I will get in touch with you.

Here are some facts and information to help you decide what is best in for situation.

I specialize in helping people in your situation.

I am licensed and specially trained to help people facing foreclosure.

-- FACING the TRUTH --

Most people that fall more than 3-4 months behind on their mortgage find it almost impossible to get caught up. You have two options: Leave on your own terms or be forced out by eviction.
You must understand that foreclosure, bankruptcy or even a Deed in Lieu can do major damage to your financial future.

-- TIME FRAME --

In Illinois, the foreclosure timeline lasts about a year. Too many people are moving out of their homes in fear of being evicted. Currently there are foreclosure dates that are being set up as far away as 10 month from now. Once the sale is completed, there is an additional 7 day grace period, and then another 30 days before you can be evicted. There is time to work this out.

-- CREDIT --

Foreclosure, Deed in Lieu or bankruptcy can have devastating effects on your credit that can last 5-7, even as much as 10 years! There are ways to avoid this. Even if you have no equity in your house, many times the banks will settle with you in order to avoid foreclosure. If you have equity, you may be able to sell your house, pay off the mortgage and put money in your pocket.

-- JUDGEMENT --

Just because you walk away from your house, doesn't mean you walk away from your debt. The bank still wants their money. If your house goes to foreclosure, the bank will sell it, probably to investors, for pennies on the dollar. The bank can come after you for the difference by placing a judgment against you. They can even garnish your wages. I have been specially trained to negotiate with the bank on your behalf.

-- SALE TIME --

Even if your house is in great condition and it is priced below market value, in today's market, it still takes time. Some sales may take as long as 6 months or more. It is critical to act quickly to allow time for a sale.

NO OBLIGATION - CALL NOW (630) 709-6549

I have compiled a list of foreclosures to be auctioned off in Kane County, IL

I have split them up into Town and by Month to show what the trends are for this county.

Thank you, Dina Painter

As the Campton dust settles and the businesses try to stay open and the people worry about the economy and Wall Street seems more like Dirt Street, I have been fielding other dissapating comments at to this who Campton issue. Frankly, I hate it. I've always hated it. No one can tell me that more government is better, but alas, I digress.

I lost. I lost my rights, my freedoms and ultimately the election on November 4th. In consolation, I have told all that I would move on an seek for the healing of our community. I'll never understand why any human being would vote for more government, but they did and I have to live with it or move.

There were pro-Campton people who I'm told have said to boycott my business to shut him down because of my viewpoints. I find it strange that they want Campton to thrive, but that they want to hurt a honest business b/c it's leader has a different viewpoint. I wrote a post in concession and said that I'd be all of the healing after the election was over. I fought like heck to win, but frankly it is over and it's time to move on. Congrats to the Pro Village Camptonites.

Needless to say, I have been contacted by a few of the Village People, and as far as I'm concerned, none greater than Lt. Larry Franco. He and I had a couple of spirited exchanges during this election and the campaigns. While I'll never understand what he sees in Campton, we found a commonality in our faith, our familes and our core values.

Graciously, especially since I didn't invite him personally, he unexpectedly stopped by my office to introduce himself. I was nervously excited. I wasn't going to waver in my beliefs, but maybe it wouldn't be an issue on the table. I met him and he just said he wanted to reach out to meet me. We talked about the military, God and our Country. We both had the same vote for the national election so that was a common bridge that we both had to work on.

At the end of the day we exchanged contact information and wished each other well. I will say this. While we didn't discuss Campton, I know that I'll never understand why he's for it. He probably feels the same way about me. I do know that he was a huge conduit to healing my wounds. I'm not a sore loser and I hate sore winners. I've been slammed by some pro-campton sore winners, again anonymously. What Mr. Franco did was a sincere act of reaching out. Healing was done for me in that meeting.

I ask for you all to pray for the protection of our country. Knowing that Mr. Franco is a great face of our country makes me feel better. I'm not encouraged as to our direction for so many reasons that I won't get into here. Having said that, I think that I was blessed today by meeting a great man.

Hats off to you Mr. Franco.... I'm blessed to have gotten to know you.

Hoffman Estates Real Estate

Dennis Toomey continuously monitors local real estate statistics to keep his clients informed and ahead of the real estate trends. Below, at the end of the page you will find Hoffman Estates real estate statistics for the last 12 months as of November 19, 2008.

To find the value of your home with a free, over-the-net home evaluation, please visit: www.KnowYourHomeValue.com/active or use this link http://www.knowyourhomevalue.com/remaxil/modules/global/forms/marketevaluation.asp?&acc=32722&s=active

If you would like a free list of homes for sale in this area/neighborhood or would like more information about Hoffman Estates, please visit: www.GetYourRealEstateHere.com/active or use this link http://www.GetYourRealEstateHere.com/remaxil/modules/agent/agent.asp?p=findahome.asp&page=search&selected=qck&mode=N&acc=32722&s=active

Dennis Toomey

RE/MAX Territory

847-338-0180

http://www.housebyzip.com/

dtoomey@remax.net

Hoffman Estates Real Estate Market Conditions

Market Statistics Criteria Status: Active, Back on Market, Contingent, New, Price Change, Re-activated, Temp Off Market, Pending, Closed, Expired Area: Hoffman Estates Property Type: Detached Single, Attached Single Months Back: 12 Months

Active Listings

Detached Single

Bedrooms # Active Avg. LP Avg. MT All 282 $398,521 174 2 or Less 4 $364,532 268 3 116 $305,117 177 4 141 $461,628 173 5 or More 21 $497,218 143

Attached Single

Bedrooms # Active Avg. LP Avg. MT All 241 $182,005 178 2 or Less 164 $162,723 181 3 75 $222,955 165 4 2 $227,450 461

Off-Market Listings

Detached Single

Bedrooms # Sold % Sold Avg LP (Sold) Avg SP SP:LP Ratio Avg MT (Sold) Avg LP (Unsold) % Expd All 259 71% $347,459 $334,175 96% 151 $373,130 26% 2 or Less 14 100% $399,357 $393,175 98% 91 0% 3 112 70% $286,942 $274,028 95% 159 $299,089 28% 4 115 71% $383,169 $369,298 96% 145 $427,709 26% 5 or More 18 67% $455,492 $438,140 96% 187 $497,277 33%

Attached Single

Bedrooms # Sold % Sold Avg LP (Sold) Avg SP SP:LP Ratio Avg MT (Sold) Avg LP (Unsold) % Expd All 174 59% $187,680 $178,180 95% 138 $169,528 39% None 0 0% $90,000 100% 2 or Less 107 57% $164,341 $155,511 95% 142 $160,146 41% 3 63 62% $222,541 $212,001 95% 130 $191,866 36% 4 4 100% $262,938 $251,900 96% 156 0%

There are currently 747 single family and townhomes listed for sale in St Charles. The average home is priced at $429,900. Closings are down 28% with 503 YTD. The median sale price of $362,000 is up 8% from last year. Market time is up 22% over last year with the average home being on the market for 178 days. This information was pulled from the Multiple Listing Service of Northern Illinois on Monday, November 17th, 2008.

In Saint Charles the primary improvements consist of average single family residential structures with a typical mix of multi-family dwellings and commercial support improvements. There are no apparent adverse factors affecting the marketability of this general market area. The turnover rate & employment stability are also normal for this suburban market area. The Chicago commuter train is available approximately three miles into the neighboring suburb. The area is rapidly growing with several new retail centers & housing projects currently under construction.

The Fox River, an Illinois State Park Waterway runs N-S through the center of town. Parks, schools, and other typical suburban buffers outline the residential streets. Saint Charles is an Illinois certified city & a far western suburb of Greater Chicagoland.