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	<title>The Sharron Kelley Team</title>
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	<description>Vernon Hills, Buffalo Grove and Libertyville IL Real Estate Listings and Long Grove IL Real Estate Agents</description>
	<pubDate>Thu, 06 Nov 2008 21:17:50 +0000</pubDate>
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		<title>Establishing Common Goals, Our Pledge</title>
		<link>http://www.northernillinoishomes.com/wp/2008/07/establishing-common-goals-our-pledge/</link>
		<comments>http://www.northernillinoishomes.com/wp/2008/07/establishing-common-goals-our-pledge/#comments</comments>
		<pubDate>Fri, 25 Jul 2008 21:24:52 +0000</pubDate>
		<dc:creator>Sharron</dc:creator>
		
		<category><![CDATA[Resources]]></category>

		<category><![CDATA[our pledge to you]]></category>

		<category><![CDATA[our service pledge]]></category>

		<category><![CDATA[real estate pledge]]></category>

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		<description><![CDATA[
Establishing Common Goals
DON&#8217;T BUY YOUR HOME FROM SOMEONE WHO WON&#8217;T GUARANTEE THEIR WORK!
Historically REALTORS® were not required to work with buyers under a formal buyer agency agreement.  Most states now require that all real estate agents disclose agency in the form of a Consumer Notice.  A real estate agent can work with a [...]]]></description>
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		<title>Why Every Buyer Needs a Home Inspection</title>
		<link>http://www.northernillinoishomes.com/wp/2008/07/why-every-buyer-needs-a-home-inspection/</link>
		<comments>http://www.northernillinoishomes.com/wp/2008/07/why-every-buyer-needs-a-home-inspection/#comments</comments>
		<pubDate>Fri, 25 Jul 2008 21:18:58 +0000</pubDate>
		<dc:creator>Sharron</dc:creator>
		
		<category><![CDATA[Resources]]></category>

		<category><![CDATA[home inspection advice]]></category>

		<category><![CDATA[why get a home inspection]]></category>

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Why You, as a Buyer, Need a Home Inspection
A home inspection gives you more detailed information to help you make a wise decision.  In a home inspection, a qualified inspector takes an in-depth, unbiased look at your potential new home to:

 Evaluate the physical condition: structure, construction, and mechanical systems.
 Identify items that impact [...]]]></description>
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		<item>
		<title>The Home Inspection</title>
		<link>http://www.northernillinoishomes.com/wp/2008/07/the-home-inspection/</link>
		<comments>http://www.northernillinoishomes.com/wp/2008/07/the-home-inspection/#comments</comments>
		<pubDate>Fri, 25 Jul 2008 21:11:30 +0000</pubDate>
		<dc:creator>Sharron</dc:creator>
		
		<category><![CDATA[Resources]]></category>

		<category><![CDATA[home inspections]]></category>

		<category><![CDATA[real estate home inspections]]></category>

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		<description><![CDATA[
Most buyers choose to have home inspections done at their expense when purchasing their new homes.  In fact, may offers are subject to a home inspection.  The home inspection allows you to buy a home with confidence.  Some items on your inspection report will include:



Exterior
Exterior walls, windows, and doors; porches, decks, and [...]]]></description>
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		<item>
		<title>How to Prepare for The Financing Process</title>
		<link>http://www.northernillinoishomes.com/wp/2008/07/how-to-prepare-for-the-financing-process/</link>
		<comments>http://www.northernillinoishomes.com/wp/2008/07/how-to-prepare-for-the-financing-process/#comments</comments>
		<pubDate>Fri, 25 Jul 2008 21:09:33 +0000</pubDate>
		<dc:creator>Sharron</dc:creator>
		
		<category><![CDATA[Resources]]></category>

		<category><![CDATA[home financing guidelines]]></category>

		<category><![CDATA[home financiong process]]></category>

		<category><![CDATA[preparing for home financing]]></category>

		<guid isPermaLink="false">http://www.northernillinoishomes.com/?p=56</guid>
		<description><![CDATA[
THE BEST ADVICE…
GET PRE-APPROVED
Most real estate agents and lenders highly recommend that you, as a home buyer, get pre-approved with a lender before selecting a home to purchase.  This way, you will have the best information about the right price range for your pocketbook.
9 GREAT REASONS
TO GET PRE-APPROVED
1. Pre-approval determine which loan program best [...]]]></description>
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		<item>
		<title>Understanding Closing Costs</title>
		<link>http://www.northernillinoishomes.com/wp/2008/07/understanding-closing-costs/</link>
		<comments>http://www.northernillinoishomes.com/wp/2008/07/understanding-closing-costs/#comments</comments>
		<pubDate>Fri, 25 Jul 2008 21:04:50 +0000</pubDate>
		<dc:creator>Sharron</dc:creator>
		
		<category><![CDATA[Resources]]></category>

		<category><![CDATA[illinois closing costs]]></category>

		<category><![CDATA[lake county illinios closing costs]]></category>

		<category><![CDATA[nothern illinois real estate closing costs]]></category>

		<guid isPermaLink="false">http://www.northernillinoishomes.com/?p=57</guid>
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Application Fee: Fee charged by the lender to offset fixed costs related to mortgage long processing such as appraisal, credit report, and underwriting.
Closing Fee: The fee charged by the closing agent who prepares the closing documents and closes the loan on behalf of the lender.
Commitment Fee: This is often called an origination fee.
Discount Points: Each [...]]]></description>
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