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The Hardas Team's Blog

Jason Hardas

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13043 Winu Drive, Highland IL…$134,900

Monday, August 11, 2008

by Jason Hardas

Just outside the city limits of Highland, Illinois a Horse Lover’s Paradise! Enjoy a beautiful private setting with a 1375 sqft, 3 bedroom/2 baths, Ranch Home on 1.46 Acres. The property features a 2006 Cleary Horse Barn, Electric Horse Fence, Detached 24 x 35 Garage, 12 x 24 Lean-To, Home New Roof 2006, some New Thermal Windows, newer siding, Master Bath Whirlpool Tub, Mature Trees, Seller providing One Year HMS Home Warranty.

Visit the Virtual Tour of the property at: www.HardasRealtor.com or for additional information or to schedule a showing contact Phil Hardas at (618) 789-5863 or Email: Phil@TheHardasTeam.com

125 N. Nebraska St, Marine IL…$63,900

Friday, August 08, 2008

by Jason Hardas

Excellent Investment Property or Starter Home! $600+ per month rental potential. Cozy 2 bedroom & 1 bath 800 sqft Home. This property is located in a quiet neighborhood in Marine, Illinois which is in the excellent Triad School District. Includes a 8 x 10 Shed, carport, and central air-conditioning. Seller is Offering One Year HMS Home Warranty. This property is within 30 minutes from Downtown St. Louis or Scott AFB. For more information on this property visit: www.HardasRealtor.com or contact Phil Hardas at: (618) 789-5863 or Email: Phil@TheHardasTeam.com

Buckeye Crossing Sub-Division…2+ Acre Lots Starting at $39,900

Friday, August 08, 2008

by Jason Hardas

Enjoy Rural Country Subdivision with beautiful 2 and 3 Acre home sites. A number of lots are wood lined and some sites may be suitable for walkout basements. Buckeye Crossing is located in the Highland’s “Blue Ribbon” School District. The subdivision’s utilities are Tri-County Public Water, Highland Electric/Underground Service, and Septic Systems. Buckeye Crossing Subdivision is located 2.9 miles South of Highland, Illinois off of State Route 160.For more information you can visit: www.HardasRealtor.com or contact Phil Hardas for Subdivision’s Plat and Covenants/Restrictions at: (618) 789-5863 or Email: Phil@TheHardasTeam.com

4845 Cedar Springs Drive, Highland IL

Friday, August 08, 2008

by Jason Hardas

Enjoy the best of small town living! New Construction Ranch Home in a small Rural Subdivision located on the west edge of Grantfork. This 3 bedroom/2 bath 1,600 sqft home features a custom brick exterior front, full basement with a 9ft basement pour and a safety egress window, rough plumbed for a lower bath, potential lower 4^th bedroom possible, High Efficiency Furnace, Sub-pump, Gas Fireplace, Vaulted Ceiling, and a 12’ x 12’ patio. You will love the huge attached 24’ x 30’ garage. The home is located on the end of a quiet Cul-de-sac, in the Village of Grantfork, but has a Highland mailing address. If you like country, you’ll love this home. All for only $169,900…Visit www.HardasRealtor.com for more property information or contact Phil Hardas at: (618) 789-5863 or Email: Phil@TheHardasTeam.com

Buy vs. Wait and See

Wednesday, August 06, 2008

by Jason Hardas

The answer to this question is simple to me: ARE YOU KIDDING BUY OF CORSE! You may think sure he is going to say that he is a Realtor and doesn’t get paid unless I buy. And your right I don’t get paid unless you buy but my career as a Realtor does not depend on your one purchase it depends on the many purchases that you and your friends and family make that I would like to be part of as well. With that in mind my advice has to be sound and put you in the best possible position to buy with the best terms so that I receive those referrals.

When you are looking at any investment the trick is buy low sell high and a homes is just one of the biggest investment that most people do in their life. Right now there is a flood of homes on the market and people willing to work with qualified buyers. There are not only a flood of new construction homes but of resale homes this means that there are deals for everyone out there no matter what price range. But with saying that everyone that is a qualified buyer is looking for the best deal right now. So timing and speed of your decision is key to getting these deals. If you sleep on it you may never sleep in it.

The second factor that I use to explain my position to customers is the loan market. Financing is extremely important when you are purchasing a house and the terms in which you receive from the bank can drastically effect your payment and future. Right now interest rates are low and banks are putting together special loan packages for credit worthy buyers. The government is also getting involved raising caps on FHA and Rural Housing loans. These factors say buy now because as any loan officer will tell you that you never know what the market may do next and a simple raise of 1% on your loan can take the home of your dreams out of the picture.

So with these major factors working in a buyer’s favor right now it is the perfect time to buy. The real estate market isn’t always going to be this way eventually it will correct its self and then at that point the deals and buys that you can get now may be gone. If you need any more information please don’t hesitate to contact me at Jason@TheHardasTeam.com or check out or site at www.HardasRealtor.com .

Why A Buyer's Agent

Saturday, July 19, 2008

by Jason Hardas

Why Do I Need A Buyer’s Agent?

This is a question commonly asked to me as I sit down for my first consultation with a client. It is also one of the easiest to answer once they know what I do for a client. To start out a buyer’s agent should be well versed in loans and mortgage programs so that they can point you to the right people to get you the best possible loan product there is for your needs. Another pre-contract task that a buyer’s agent helps in is figuring out your comfort zone and bringing houses to you within that comfort zone. By comfort zone I am not only talking about price but all aspects of the home things such as location, amenities, and school districts. A good buyer’s agent will factor in everything and then let you make the final decision on which homes to see.

After locating previewing and determining that you have found your home this is when one of the buyer’s agents most important job starts. They should at that time help you determine a fair price and setup for your situation (factoring in loan, down payment, and market issues) and then they should place it on the contract for you and start the meeting of the minds (negotiating) between the two parties. After all is settled on the buyer’s agent will take you through the inspection phase helping you with coordinating inspectors and preparing the responses for the inspections to make sure the home is a solid investment for you to make. After this it is a quick ride into closing with the Specialized Realtor making sure everything comes together so that you can collect the keys to your new home. AND DID I MENTION THAT THE BUYER’S AGENT SERVICES ARE FREE TO THE BUYER DUE TO THE SELLER TYPICALLY PAYS THE BUYER’S AGNET AT CLOSING.

Getting Started With A Purchase

Wednesday, July 16, 2008

by Jason Hardas

I was speaking with a young couple just a couple of days ago and the question that they asked is the same question that most buyers ask me “What should I do first to get ready to buy?” Well this is a question that has a couple of sides to consider and do to truly be ready to buy. First make sure that you sit down with a qualified buyer’s agent that can not only help you find the loan officer but help with answering any questions you may have in determining your comfort zones and possible needs. Second is to sit down with a quality loan officer (which The Hardas Team knows of many quality lenders) and get what is called a Pre-Approval letter. This letter is only given after the loan officer has taken things such as bank statements, paycheck stubs, and W2s to check your full financial qualifications. If a bank or loan officer gives you a paper prior to looking at all those forms then all they have given you is a Pre-Qualification letter and this letter is almost worthless in negotiating for Real Estate. After talking to the loan officer it is time to sit down and come up with a comfortable payment range this will help you to start looking in homes that you can afford comfortably instead of homes that can possibly put you out of your comfort zone. Last and not least is to sit back down again with your buyer’s agent and discuss the steps from there. For more info feel free to email me at Jason@TheHardasTeam.com or visit our website www.HardasRealtor.com.