09-16-2016, 05:44 PM
Location: Illinois USA
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Quote:
Originally Posted by
damba
No, they will try to get you to buy something since it involves a commission. Selling a cheaper property is better than none at all. Just be firm with whomever you hire to find a home for you that your budget is not more than <example figures> 108% of [180K-250K], etc.
Approved for more than 250? Not 100% but I've been qualified in the past for 500 but I didn't buy
09-16-2016, 07:18 PM
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Quote:
Originally Posted by
Dad01
Approved for more than 250? Not 100% but I've been qualified in the past for 500 but I didn't buy
What you were approved for in the past won't necessarily mean much now.
FWIW, my self-employed friend was approved pre-2008 for a massive loan
that would not fly so well today
09-16-2016, 07:23 PM
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Quote:
Originally Posted by
Dad01
Hmm I see your points
Do not buy a 2 bedroom SFH. Focus on either a 3/2 or 3/1 in a good school
district. Size not as important as overall condition.
Generally, the homes well above both yours and my price range suffer more
during a housing downturn. YMMV
09-16-2016, 08:13 PM
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Nonsense
Quote:
Originally Posted by
damba
Do not buy a 2 bedroom SFH. Focus on either a 3/2 or 3/1 in a good school
The evidence from both the most recent housing downturn and many others is that PRICE is not a critical factor!
Some of the strongest price recovery was in quite high priced areas such as Hinsdale while many relatively low cost areas in the southern suburbs are flat if not declining.
Some moderately priced areas, notably in NW DuPage Co, with poor transit options and very car-centric development patterns have also lagged.
Some of the worst declines were in artificially inflated areas on the fringes...
For superior immunity to price declines, participation in upward price trends, and overall better housing value the keys remain LOCATION, LOCATION, LOCATION!
09-18-2016, 10:16 AM
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Quote:
Originally Posted by
doodlemagic
There's a few around 200 that need work. There's some at 210 220 that are small but decent
Links please?
09-18-2016, 02:55 PM
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You might look further south, like Frankfort, Mokena, Tinley Park, New Lenox. When we were looking to buy, we looked at LaGrange but we wanted more bang for our buck. Frankfort has high taxes, so be sure to check those out throughly before you buy. Good luck!
09-19-2016, 07:27 AM
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Quote:
Originally Posted by
chet everett
The evidence from both the most recent housing downturn and many others is that PRICE is not a critical factor!
Chet, would you say that location is an important thing to consider in real estate?
09-19-2016, 08:07 AM
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An important factor???
Quote:
Originally Posted by
RJA29
Chet, would you say that location is an important thing to consider in real estate?
Probably THE MOST IMPORTANT factor!
Even when looking primarily in towns that are mostly quite desirable picking a location that is undesirable can mean risking hundreds of thousands in value -- homes adjacent to negative items can decline in value even as homes just a short distance away soar in value. I have seen this repeatedly when there is something like a gas station that lacks an adequate buffer to residential properties...
When comparing homes in different town to each other it often makes sense to get opinions from third parties who can be less emotional about how the home in the less desirable town probably won't retain value over the long haul. Often when a buyer sees a "just right" home in a less desirable area they'll mentally overlook the negatives that will likely cost them a fortune in the long haul / during downturns...
09-19-2016, 08:37 AM
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Quote:
Originally Posted by
chet everett
Probably THE MOST IMPORTANT factor!
ROTFL Are all stop signs red, too?
Chet, I'm fairly certain the person you replied to was being facetious.
09-19-2016, 10:37 AM
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I don't doubt that but it still worth pointing out ...
Quote:
Originally Posted by
damba
ROTFL Are all stop signs red, too?
I am sure that folks that do their homework when it comes to real estate values probably get tired of hearing those of us that "get it" repeat the importance of location over and over but when I drive around and see brand new subdivisions being priced at levels that are not justified by the quality of schools, poor access to transit, and questionable longer term value it ought not be a surprise that the message needs reinforcing.
BTW --
Please register City-data.com
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Median household income ($)
Median household income (% change since 2000)
Household income diversity
Ratio of average income to average house value (%)
Ratio of average income to average rent
Median household income ($) - White
Median household income ($) - Black or African American
Median household income ($) - Asian
Median household income ($) - Hispanic or Latino
Median household income ($) - American Indian and Alaska Native
Median household income ($) - Multirace
Median household income ($) - Other Race
Median household income for houses/condos with a mortgage ($)
Median household income for apartments without a mortgage ($)
Races - White alone (%)
Races - White alone (% change since 2000)
Races - Black alone (%)
Races - Black alone (% change since 2000)
Races - American Indian alone (%)
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Racial diversity
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Population density (people per square mile)
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Coronavirus confirmed cases (Apr 21, 2024)
Deaths caused by coronavirus (Apr 21, 2024)
Coronavirus confirmed cases (per 100k population) (Apr 21, 2024)
Deaths caused by coronavirus (per 100k population) (Apr 21, 2024)
Daily increase in number of cases (Apr 21, 2024)
Weekly increase in number of cases (Apr 21, 2024)
Cases doubled (in days) (Apr 21, 2024)
Hospitalized patients (Apr 18, 2022)
Negative test results (Apr 18, 2022)
Total test results (Apr 18, 2022)
COVID Vaccine doses distributed (per 100k population) (Sep 19, 2023)
COVID Vaccine doses administered (per 100k population) (Sep 19, 2023)
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Likely homosexual households (%)
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Cost of living index
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Mean house or condo value by units in structure - 1, detached ($)
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Mean house or condo value by units in structure by units in structure - 3 or 4 ($)
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Mean house or condo value by units in structure - Boat, RV, van, etc. ($)
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Commute - mean travel time to work (minutes)
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Travel time to work - 60 to 89 minutes (%)
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Marital status - Never married (%)
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Median family income ($) - Black or African American
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Median year house/condo built
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Occupied housing units (%)
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Vacancy status - For seasonal, recreational, or occasional use (%)
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Residents with income below the poverty level (%)
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Air pollution - Air Quality Index (AQI)
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Crime - City-data.com crime index
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Crime - Murders per 100,000 population (5 year average)
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Crime - Robberies per 100,000 population (5 year average)
Crime - Assaults per 100,000 population (5 year average)
Crime - Burglaries per 100,000 population (5 year average)
Crime - Thefts per 100,000 population (5 year average)
Crime - Auto thefts per 100,000 population (5 year average)
Crime - Arson per 100,000 population (5 year average)
Crime - City-data.com crime index (5 year average)
Crime - Violent crime index (5 year average)
Crime - Property crime index (5 year average)
1996 Presidential Elections Results (%) - Democratic Party (Clinton)
1996 Presidential Elections Results (%) - Republican Party (Dole)
1996 Presidential Elections Results (%) - Other
2000 Presidential Elections Results (%) - Democratic Party (Gore)
2000 Presidential Elections Results (%) - Republican Party (Bush)
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2016 Presidential Elections Results (%) - Democratic Party (Clinton)
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2020 Presidential Elections Results (%) - Democratic Party (Biden)
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Ancestries Reported - Arab (%)
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Educational Attainment - No schooling completed (%)
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Educational Attainment - Associate degree (%)
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School enrollment - Not enrolled (%)
Median number of rooms in houses and condos
Median number of rooms in apartments
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Density of houses
Urban houses (%)
Rural houses (%)
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Median number of bedrooms in owner occupied houses
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Mortgage status - with mortgage (%)
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Mortgage status - with home equity loan (%)
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Average family size
Average family size - White
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Geographical mobility - Same house 1 year ago (%)
Geographical mobility - Moved within same county (%)
Geographical mobility - Moved from different county within same state (%)
Geographical mobility - Moved from different state (%)
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Place of birth - Born in state of residence (%)
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Housing units in structures - 1, detached (%)
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Housing units in structures - 2 (%)
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Housing units in structures - 20 to 49 (%)
Housing units in structures - 50 or more (%)
Housing units in structures - Mobile home (%)
Housing units in structures - Boat, RV, van, etc. (%)
House/condo owner moved in on average (years ago)
Renter moved in on average (years ago)
Year householder moved into unit - Moved in 1999 to March 2000 (%)
Year householder moved into unit - Moved in 1995 to 1998 (%)
Year householder moved into unit - Moved in 1990 to 1994 (%)
Year householder moved into unit - Moved in 1980 to 1989 (%)
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Year householder moved into unit - Moved in 1969 or earlier (%)
Means of transportation to work - Drove car alone (%)
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Means of transportation to work - Bus or trolley bus (%)
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Working at home (%)
Industry diversity
Most Common Industries - Agriculture, forestry, fishing and hunting, and mining (%)
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Occupation diversity
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Most Common Occupations - Food preparation and serving related occupations (%)
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Most Common Occupations - Construction and extraction occupations (%)
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People in Group quarters - Institutionalized population (%)
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People in Group quarters - Military disciplinary barracks (%)
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People in Group quarters - Military hospitals or wards for chronically ill (%)
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People in Group quarters - Institutions for the deaf (%)
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People in Group quarters - Orthopedic wards and institutions for the physically handicapped (%)
People in Group quarters - Wards in general hospitals for patients who have no usual home elsewhere (%)
People in Group quarters - Wards in military hospitals for patients who have no usual home elsewhere (%)
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People in Group quarters - Residential treatment centers for emotionally disturbed children (%)
People in Group quarters - Training schools for juvenile delinquents (%)
People in Group quarters - Short-term care, detention or diagnostic centers for delinquent children (%)
People in Group quarters - Type of juvenile institution unknown (%)
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People in Group quarters - Military quarters (%)
People in Group quarters - On base (%)
People in Group quarters - Barracks, unaccompanied personnel housing (UPH), (Enlisted/Officer), ;and similar group living quarters for military personnel (%)
People in Group quarters - Transient quarters for temporary residents (%)
People in Group quarters - Military ships (%)
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People in Group quarters - Agriculture workers' dormitories on farms (%)
People in Group quarters - Job Corps and vocational training facilities (%)
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People in Group quarters - Crews of maritime vessels (%)
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Residents speaking English at home (%)
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Residents speaking Spanish at home - Born in the United States (%)
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Residents speaking other language at home - Foreign born (%)
Class of Workers - Employee of private company (%)
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Class of Workers - Private not-for-profit wage and salary workers (%)
Class of Workers - Local government workers (%)
Class of Workers - State government workers (%)
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Class of Workers - Self-employed workers in own not incorporated business and Unpaid family workers (%)
House heating fuel used in houses and condos - Utility gas (%)
House heating fuel used in houses and condos - Bottled, tank, or LP gas (%)
House heating fuel used in houses and condos - Electricity (%)
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House heating fuel used in houses and condos - Coal or coke (%)
House heating fuel used in houses and condos - Wood (%)
House heating fuel used in houses and condos - Solar energy (%)
House heating fuel used in houses and condos - Other fuel (%)
House heating fuel used in houses and condos - No fuel used (%)
House heating fuel used in apartments - Utility gas (%)
House heating fuel used in apartments - Bottled, tank, or LP gas (%)
House heating fuel used in apartments - Electricity (%)
House heating fuel used in apartments - Fuel oil, kerosene, etc. (%)
House heating fuel used in apartments - Coal or coke (%)
House heating fuel used in apartments - Wood (%)
House heating fuel used in apartments - Solar energy (%)
House heating fuel used in apartments - Other fuel (%)
House heating fuel used in apartments - No fuel used (%)
Armed forces status - In Armed Forces (%)
Armed forces status - Civilian (%)
Armed forces status - Civilian - Veteran (%)
Armed forces status - Civilian - Nonveteran (%)
Fatal accidents locations in years 2005-2021
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Fatal accidents locations in 2020
Fatal accidents locations in 2021
Alcohol use - People drinking some alcohol every month (%)
Alcohol use - People not drinking at all (%)
Alcohol use - Average days/month drinking alcohol
Alcohol use - Average drinks/week
Alcohol use - Average days/year people drink much
Audiometry - Average condition of hearing (%)
Audiometry - People that can hear a whisper from across a quiet room (%)
Audiometry - People that can hear normal voice from across a quiet room (%)
Audiometry - Ears ringing, roaring, buzzing (%)
Audiometry - Had a job exposure to loud noise (%)
Audiometry - Had off-work exposure to loud noise (%)
Blood Pressure & Cholesterol - Has high blood pressure (%)
Blood Pressure & Cholesterol - Checking blood pressure at home (%)
Blood Pressure & Cholesterol - Frequently checking blood cholesterol (%)
Blood Pressure & Cholesterol - Has high cholesterol level (%)
Consumer Behavior - Money monthly spent on food at supermarket/grocery store
Consumer Behavior - Money monthly spent on food at other stores
Consumer Behavior - Money monthly spent on eating out
Consumer Behavior - Money monthly spent on carryout/delivered foods
Consumer Behavior - Income spent on food at supermarket/grocery store (%)
Consumer Behavior - Income spent on food at other stores (%)
Consumer Behavior - Income spent on eating out (%)
Consumer Behavior - Income spent on carryout/delivered foods (%)
Current Health Status - General health condition (%)
Current Health Status - Blood donors (%)
Current Health Status - Has blood ever tested for HIV virus (%)
Current Health Status - Left-handed people (%)
Dermatology - People using sunscreen (%)
Diabetes - Diabetics (%)
Diabetes - Had a blood test for high blood sugar (%)
Diabetes - People taking insulin (%)
Diet Behavior & Nutrition - Diet health (%)
Diet Behavior & Nutrition - Milk product consumption (# of products/month)
Diet Behavior & Nutrition - Meals not home prepared (#/week)
Diet Behavior & Nutrition - Meals from fast food or pizza place (#/week)
Diet Behavior & Nutrition - Ready-to-eat foods (#/month)
Diet Behavior & Nutrition - Frozen meals/pizza (#/month)
Drug Use - People that ever used marijuana or hashish (%)
Drug Use - Ever used hard drugs (%)
Drug Use - Ever used any form of cocaine (%)
Drug Use - Ever used heroin (%)
Drug Use - Ever used methamphetamine (%)
Health Insurance - People covered by health insurance (%)
Kidney Conditions-Urology - Avg. # of times urinating at night
Medical Conditions - People with asthma (%)
Medical Conditions - People with anemia (%)
Medical Conditions - People with psoriasis (%)
Medical Conditions - People with overweight (%)
Medical Conditions - Elderly people having difficulties in thinking or remembering (%)
Medical Conditions - People who ever received blood transfusion (%)
Medical Conditions - People having trouble seeing even with glass/contacts (%)
Medical Conditions - People with arthritis (%)
Medical Conditions - People with gout (%)
Medical Conditions - People with congestive heart failure (%)
Medical Conditions - People with coronary heart disease (%)
Medical Conditions - People with angina pectoris (%)
Medical Conditions - People who ever had heart attack (%)
Medical Conditions - People who ever had stroke (%)
Medical Conditions - People with emphysema (%)
Medical Conditions - People with thyroid problem (%)
Medical Conditions - People with chronic bronchitis (%)
Medical Conditions - People with any liver condition (%)
Medical Conditions - People who ever had cancer or malignancy (%)
Mental Health - People who have little interest in doing things (%)
Mental Health - People feeling down, depressed, or hopeless (%)
Mental Health - People who have trouble sleeping or sleeping too much (%)
Mental Health - People feeling tired or having little energy (%)
Mental Health - People with poor appetite or overeating (%)
Mental Health - People feeling bad about themself (%)
Mental Health - People who have trouble concentrating on things (%)
Mental Health - People moving or speaking slowly or too fast (%)
Mental Health - People having thoughts they would be better off dead (%)
Oral Health - Average years since last visit a dentist
Oral Health - People embarrassed because of mouth (%)
Oral Health - People with gum disease (%)
Oral Health - General health of teeth and gums (%)
Oral Health - Average days a week using dental floss/device
Oral Health - Average days a week using mouthwash for dental problem
Oral Health - Average number of teeth
Pesticide Use - Households using pesticides to control insects (%)
Pesticide Use - Households using pesticides to kill weeds (%)
Physical Activity - People doing vigorous-intensity work activities (%)
Physical Activity - People doing moderate-intensity work activities (%)
Physical Activity - People walking or bicycling (%)
Physical Activity - People doing vigorous-intensity recreational activities (%)
Physical Activity - People doing moderate-intensity recreational activities (%)
Physical Activity - Average hours a day doing sedentary activities
Physical Activity - Average hours a day watching TV or videos
Physical Activity - Average hours a day using computer
Physical Functioning - People having limitations keeping them from working (%)
Physical Functioning - People limited in amount of work they can do (%)
Physical Functioning - People that need special equipment to walk (%)
Physical Functioning - People experiencing confusion/memory problems (%)
Physical Functioning - People requiring special healthcare equipment (%)
Prescription Medications - Average number of prescription medicines taking
Preventive Aspirin Use - Adults 40+ taking low-dose aspirin (%)
Reproductive Health - Vaginal deliveries (%)
Reproductive Health - Cesarean deliveries (%)
Reproductive Health - Deliveries resulted in a live birth (%)
Reproductive Health - Pregnancies resulted in a delivery (%)
Reproductive Health - Women breastfeeding newborns (%)
Reproductive Health - Women that had a hysterectomy (%)
Reproductive Health - Women that had both ovaries removed (%)
Reproductive Health - Women that have ever taken birth control pills (%)
Reproductive Health - Women taking birth control pills (%)
Reproductive Health - Women that have ever used Depo-Provera or injectables (%)
Reproductive Health - Women that have ever used female hormones (%)
Sexual Behavior - People 18+ that ever had sex (vaginal, anal, or oral) (%)
Sexual Behavior - Males 18+ that ever had vaginal sex with a woman (%)
Sexual Behavior - Males 18+ that ever performed oral sex on a woman (%)
Sexual Behavior - Males 18+ that ever had anal sex with a woman (%)
Sexual Behavior - Males 18+ that ever had any sex with a man (%)
Sexual Behavior - Females 18+ that ever had vaginal sex with a man (%)
Sexual Behavior - Females 18+ that ever performed oral sex on a man (%)
Sexual Behavior - Females 18+ that ever had anal sex with a man (%)
Sexual Behavior - Females 18+ that ever had any kind of sex with a woman (%)
Sexual Behavior - Average age people first had sex
Sexual Behavior - Average number of female sex partners in lifetime (males 18+)
Sexual Behavior - Average number of female vaginal sex partners in lifetime (males 18+)
Sexual Behavior - Average age people first performed oral sex on a woman (18+)
Sexual Behavior - Average number of woman performed oral sex on in lifetime (18+)
Sexual Behavior - Average number of male sex partners in lifetime (males 18+)
Sexual Behavior - Average number of male anal sex partners in lifetime (males 18+)
Sexual Behavior - Average age people first performed oral sex on a man (18+)
Sexual Behavior - Average number of male oral sex partners in lifetime (18+)
Sexual Behavior - People using protection when performing oral sex (%)
Sexual Behavior - Average number of times people have vaginal or anal sex a year
Sexual Behavior - People having sex without condom (%)
Sexual Behavior - Average number of male sex partners in lifetime (females 18+)
Sexual Behavior - Average number of male vaginal sex partners in lifetime (females 18+)
Sexual Behavior - Average number of female sex partners in lifetime (females 18+)
Sexual Behavior - Circumcised males 18+ (%)
Sleep Disorders - Average hours sleeping at night
Sleep Disorders - People that has trouble sleeping (%)
Smoking-Cigarette Use - People smoking cigarettes (%)
Taste & Smell - People 40+ having problems with smell (%)
Taste & Smell - People 40+ having problems with taste (%)
Taste & Smell - People 40+ that ever had wisdom teeth removed (%)
Taste & Smell - People 40+ that ever had tonsils teeth removed (%)
Taste & Smell - People 40+ that ever had a loss of consciousness because of a head injury (%)
Taste & Smell - People 40+ that ever had a broken nose or other serious injury to face or skull (%)
Taste & Smell - People 40+ that ever had two or more sinus infections (%)
Weight - Average height (inches)
Weight - Average weight (pounds)
Weight - Average BMI
Weight - People that are obese (%)
Weight - People that ever were obese (%)
Weight - People trying to lose weight (%)
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