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집을 구매하는 과정에서 매우 중요하지만 잘 알려지지 않은 단계가 하나 있습니다. 바로 'Pre-Approval (사전승인)'인데요. Pre-Approval (사전승인)이 무엇인지, 왜 중요한지에 대해 알아보겠습니다. Pre-Approval (사전승인)이란 무엇인가요? Pre-Approval (사전승인)은 금융기관이 주택 구매를 위해 얼마까지 대출해 줄 수 있는지를 알려주는 과정입니다. 이를 결정하기 위해 금융기관은 여러분의 재정 역사를 살펴봅니다. Realtor.com에 따르면, 이 과정에서 금융기관이 요구할 수 있는 서류는 다음과 같습니다: 지난 두 해 동안의 W-2 양식 지난 두 해 동안의 세금 보고서 최근 30일 간의 급여 명세서 최근 60일 간의 은행 계좌 명세서 해당되는 경우 투자 계좌 명세서 지난 두 해 동안의 거주 이력 이 과정을 통해 여러분은 대출 가능 금액을 확인할 수 있는 Pre-Approval (사전승인) 서류를 받게 됩니다. 단, 재정 상태에 변동이 생기면 사전승인 상태에 영향을 줄 수 있으니 주의하세요. 사전승인을 받은 후에는 직장을 바꾸거나 새로운 신용카드나 대출을 신청하거나 저축에서 큰 금액을 인출하는 등의 행위는 피해야 합니다. 대출 한도를 결정하는 데 어떻게 도움이 되나요? 올해에는 대부분의 지역에서 주택 가격이 상승할 것으로 예상되고, 모기지 이자율도 여전히 변동성을 보이고 있습니다. 따라서 구매 가능성이 여전히 제한적인 상황에서 금융기관과 상의하여 주택 대출 옵션과 현재 변동하는 모기지 이자율이 앞으로의 월 납입금에 어떤 영향을 미칠지 파악하는 것이 좋습니다. Pre-Approval (사전승인) 과정은 이러한 최대 대출 가능 금액을 결정하므로, 예산을 설정하는 데 도움이 됩니다. 이 정보를 바탕으로 실제로 감당할 수 있는 월 모기지 지불액에 맞춰 주택 검색을 해야 합니다. 이렇게 하면 여러분이 감당할 수 없는 집에 마음을 빼앗기는 일을 방지할 수 있습니다. Pre-Approval (사전승인)이 여러분을 돋보이게 하는 방법 마음에 드는 집을 찾아 제안을 하고 싶을 때, Pre-Approval (사전승인)은 또 다른 큰 이점을 제공합니다. 제안을 강화할 뿐만 아니라, 판매자에게 이미 신용 및 재정 검토를 완료했다는 것을 보여줍니다. 판매자가 여러분을 진지한 구매자로 보면, 여러분의 제안에 더 매력을 느낄 수 있습니다. Bankrate의 최고 금융 분석가 Greg McBride에 따르면 Pre-Approval (사전승인)은 금융기관이 여러분의 신용과 재정을 단순한 검토를 넘어서 급여 명세서, 세금 보고서, 은행 계좌 명세서 등을 실제로 검토했다는 것을 의미한다고 합니다. 이는 여러분이 특정 달러 액수까지 모기지를 승인받을 준비가 되었다는 것을 의미합니다. 결론 집을 구매할 계획이 있다면, Pre-Approval (사전승인)을 받는 것이 할 일 목록에서 가장 먼저 해야 할 일 중 하나입니다. 이는 여러분의 대출 가능 금액을 더 잘 이해할 수 있게 해주며, 마음에 드는 집을 찾았을 때 강력한 제안을 할 수 있는 최상의 위치에 서게 해줍니다. 신뢰할 수 있는 금융기관에 연락하여 더 자세히 알아보세요. #시카고복덕방 #리얼터한상철   #한인리얼터   #시카고한인리얼터   #일리노이한인리얼터   #시카고리얼터  #한인부동산칼럼 #한인부동산   #부동산중개인  #ChicagoHomes #ChicagoSuburbHomes #Illinois_Best_Korean_Realtor #DuPageCountyHomes #CookcountyHomes #BestKoreanRealtor #Number1KoreanRealtor #Northbrook_Glenview_Schaumburg_BuffaloGrove_Naperville #Realtor_SangHan #chicagokoreanrealtor  #PlatinumPartnersRealtors #seller #buyer #Pre-approval

Today, I'd like to share the latest analysis on the income levels required to purchase a home across different U.S. states. This analysis provides a clear picture of the current housing market conditions in the U.S. Illinois, in particular, has emerged as one of the most affordable states for buying a home.   Currently, the median household income in Illinois is $80,306, and the income required to purchase a median-priced home is about 7% higher than this figure. According to the latest data from Realtor.com®, this indicates that the income burden for homeownership in Illinois is relatively lower compared to many other states.   On the other hand, Montana has the largest income gap when it comes to purchasing a home. To buy a home there, a household would need more than 151% of the median household income. This is due to Montana's median home price being $604,500, which requires an annual income of $178,017. However, the median household income in Montana is only around $70,800.   On a national level, the average income needed to buy a home is $118,530, which is 52% higher than the national median household income of approximately $77,700. This calculation is based on the median home list price in December 2024 and a 30-year fixed mortgage rate of 6.93%. It includes property taxes, insurance costs, and assumes a 10% down payment while ensuring the mortgage payment doesn’t exceed 30% of the household’s monthly income.   This analysis offers valuable insight into how much income potential homebuyers need to be able to afford a home. For Illinois residents, this is particularly positive news, as it means homeownership is relatively more attainable compared to other states. I hope this information is helpful for those currently searching for a home. I look forward to bringing you more useful updates in the future. Thank you!   #시카고복덕방 #리얼터한상철   #한인리얼터   #시카고한인리얼터   #일리노이한인리얼터   #시카고리얼터  #한인부동산칼럼 #한인부동산   #부동산중개인  #ChicagoHomes #ChicagoSuburbHomes #Illinois_Best_Korean_Realtor #DuPageCountyHomes #CookcountyHomes #BestKoreanRealtor #Number1KoreanRealtor #Northbrook_Glenview_Schaumburg_BuffaloGrove_Naperville #Realtor_SangHan #chicagokoreanrealtor  #PlatinumPartnersRealtors #seller #buyer #HHincome #Median_priced_home

오늘은 미국 각 주에서 집을 사기 위해 필요한 소득에 대한 최신 분석 결과를 공유하려고 합니다. 이 분석은 미국 내 주택 시장의 현 상황을 잘 보여 주는데요, 일리노이가 상대적으로 집을 구매하기에 가장 합리적인 주로 나타났습니다. 현재 일리노이의 중간 가구 소득은 $80,306이며, 중간 가격대의 주택을 구매하기 위해 필요한 소득은 이보다 약 7% 높다고 합니다. 이는 부동산 시장의 동향을 분석한 Realtor.com®의 최신 자료에 의하면, 주택 가격과 관련된 소득의 부담이 다른 많은 주들에 비해 상대적으로 낮다는 것을 의미합니다. 반면, 몬태나는 주택 구매와 관련하여 가장 큰 소득 격차를 보이는 주로, 주택을 구매하기 위해서는 중간 가구 소득보다 무려 151% 이상의 소득이 필요하다고 합니다. 이는 몬태나의 중간 주택 가격이 $604,500에 달하고, 이를 감당하기 위한 연간 소득이 $178,017로 매우 높은 편입니다. 이에 비해, 몬태나의 중간 가구 소득은 약 $70,800에 불과합니다. 전국적으로 보면, 주택 구매를 위해서는 평균적으로 연 $118,530의 소득이 필요한데, 이는 전국 중간 가구 소득인 약 $77,700보다 52% 높습니다. 이 계산은 2024년 12월의 중간 주택 목록 가격과 6.93%의 30년 고정 모기지 이자율을 바탕으로 하며, 재산세와 보험 비용을 포함하고, 구매자가 10%의 다운 페이먼트를 하고, 월 소득의 30% 이상을 주택 모기지에 지출하지 않는 것을 가정합니다. 이러한 분석은 주택 구매자들이 얼마나 많은 소득을 벌어야 집을 살 수 있는지에 대한 중요한 통찰을 제공합니다. 특히 일리노이 주민들에게는 구매 가능성이 더 높다는 점에서 긍정적인 소식이며, 다른 주들과 비교할 때 상대적으로 주택 구매가 더 접근하기 쉬운 환경이라고 할 수 있습니다. 이 정보가 집을 찾고 계신 분들께 큰 도움이 되길 바랍니다. 다음에 더 유익한 소식으로 찾아뵙겠습니다. 감사합니다!   #시카고복덕방 #리얼터한상철   #한인리얼터   #시카고한인리얼터   #일리노이한인리얼터   #시카고리얼터  #한인부동산칼럼 #한인부동산   #부동산중개인  #ChicagoHomes #ChicagoSuburbHomes #Illinois_Best_Korean_Realtor #DuPageCountyHomes #CookcountyHomes #BestKoreanRealtor #Number1KoreanRealtor #Northbrook_Glenview_Schaumburg_BuffaloGrove_Naperville #Realtor_SangHan #chicagokoreanrealtor  #PlatinumPartnersRealtors #seller #buyer #HHincome #Median_priced_home

One of the most important yet often overlooked steps in the home-buying process is Pre-Approval . Let’s dive into what Pre-Approval is and why it matters.   What is Pre-Approval?   Pre-Approval is the process where a financial institution tells you how much they are willing to lend you for purchasing a home. To determine this, the lender reviews your financial history. According to Realtor.com , the documents typically required for this process include:   - W-2 forms for the past two years - Tax returns for the past two years - Recent 30-day pay stubs - Recent 60-day bank statements - Investment account statements (if applicable) - Residential history for the past two years   After this process, you’ll receive a Pre-Approval letter that indicates how much you can borrow. However, be cautious: any changes in your financial situation can affect your pre-approval status. Avoid changing jobs, applying for new credit cards, taking on new loans, or withdrawing large sums from savings after getting pre-approved.   How Does It Help Determine Your Loan Limit?   This year, home prices are expected to rise in many areas, and mortgage rates are still fluctuating. So, in a time when purchasing options might still be limited, it’s helpful to consult with a lender to understand how loan options and changing mortgage rates could impact your future monthly payments.   The Pre-Approval process determines your maximum loan limit, which helps set your budget. This information allows you to look for homes within your realistic price range, preventing you from falling in love with homes you cannot afford.   How Pre-Approval Makes You Stand Out   When you find a home you like and want to make an offer, Pre-Approval offers a huge advantage. Not only does it strengthen your offer, but it shows the seller that you've already undergone a financial review and are serious about buying.   When a seller sees that you’re a serious buyer, they’re more likely to consider your offer favorably. According to Greg McBride, Chief Financial Analyst at Bankrate, Pre-Approval means that the lender has reviewed more than just your credit and finances – they’ve gone through your pay stubs, tax returns, and bank statements, showing that you are ready for a mortgage up to a specific amount.   Conclusion   If you’re planning to buy a home, getting Pre-Approval should be at the top of your to-do list. It helps you understand your loan potential and puts you in a strong position when making offers on homes you love. Contact a trusted lender to learn more about this crucial first step.   #시카고복덕방 #리얼터한상철   #한인리얼터   #시카고한인리얼터   #일리노이한인리얼터   #시카고리얼터  #한인부동산칼럼 #한인부동산   #부동산중개인  #ChicagoHomes #ChicagoSuburbHomes #Illinois_Best_Korean_Realtor #DuPageCountyHomes #CookcountyHomes #BestKoreanRealtor #Number1KoreanRealtor #Northbrook_Glenview_Schaumburg_BuffaloGrove_Naperville #Realtor_SangHan #chicagokoreanrealtor  #PlatinumPartnersRealtors #seller #buyer #Pre-approval

인생은 때때로 예상치 못한 어려움을 안겨줍니다. 실직, 갑작스런 비용 발생, 자연 재해 등 금융적 어려움은 누구에게나 찾아올 수 있습니다. 하지만 희망적인 소식도 있습니다. 경제적 압박을 느끼는 주택 소유자라면, 많은 사람들이 잘 모르는 구명줄이 여전히 존재합니다. Mortgage Forbearance (모기지 유예)라고 들어보셨나요? Mortgage Forbearance (모기지 유예)란 무엇인가요? 모기지 유예는 단기적인 위기, 예를 들어 실직, 질병 또는 기타 금융적 어려움을 겪고 있는 동안 모기지 납부를 일시 중단하거나 낮출 수 있는 옵션입니다. 모기지 납부가 어려울 때, 유예를 통해 재정을 정리하고 다시 궤도에 오를 기회를 얻을 수 있습니다. 모기지 유예가 COVID-19 팬데믹 동안만 접근 가능했다는 것은 흔한 오해입니다. 팬데믹 동안 주택 소유자들을 돕는데 중요한 역할을 했지만, 많은 사람들이 모르는 점은 유예가 여전히 필요한 시기에 대출자를 지원하는 도구로 남아 있다는 것입니다. 오늘날에도 특정 상황에서 연체를 피하고 궁극적으로는 차압을 피할 수 있도록 도와주는 중요한 옵션입니다. 모기지 유예의 현재 상황 유예는 일시적인 재정적 어려움을 겪고 있는 주택 소유자들에게 귀중한 안전망으로 계속 제공되고 있습니다. 전반적인 유예율은 최근 약간 증가하였으나, 이 변화를 이해하고 넓은 맥락에서 어떻게 맞는지 이해하는 것이 중요합니다. Mortgage Bankers Association (MBA)의 산업 분석 VP인 Marina Walsh에 따르면11월 모기지 유예율은 세 기준점 증가하였고 지금까지 여섯 달 연속 상승하고 있다합니다. 처음 보면 우려가 될 수 있지만, 자세히 살펴보면 그렇지만도 않습니다. 아래 그래프는 2020년부터 현재까지의 상황을 시각적으로 보여줍니다. 모기지 유예의 비율은 2020년 중반의 정점 이후 현저하게 감소하였지만, 최근 몇 달 동안 약간의 증가가 있었습니다. 이러한 상승은 최근 발생한 두 개의 허리케인 — Helene과 Milton의 영향과 크게 연관되어 있습니다. 자연 재해와 같은 사건은 주택 소유자들에게 일시적인 재정적 어려움을 초래할 수 있으며, 회복하는 동안 유예는 중요한 안전망이 됩니다. 실제로 오늘날 유예를 받고 있는 차용자의 46%가 자연 재해를 금융 어려움의 이유로 꼽고 있습니다. 최근의 증가에도 불구하고, 모기지 유예의 비율은 팬데믹 시기에 비해 매우 낮은 수준을 유지하고 있으며, 전체 주택 소유자 중 매우 작은 부분만을 차지합니다. 왜 모기지 유예가 중요한가요? 유예는 미납된 납부와 차압의 악순환을 피하는 데 도움을 줄 수 있습니다. 이는 도전에 맞서고 다음 단계를 계획할 수 있는 여유를 제공합니다. 현재 대부분의 주택 소유자들은 강력한 자본과 현재 주택 시장의 기반 덕분에 유예가 필요하지 않지만, 필요로 하는 소수에게는 여전히 유용한 옵션입니다. 재정적 어려움을 겪고 있는 주택 소유자이거나 알고 있는 경우, 첫 번째 단계는 모기지 대출 기관에 연락하는 것입니다. 그들은 유예 과정을 안내하고 가능한 옵션을 이해시켜 줄 수 있습니다. 유예는 자동으로 이루어지지 않으므로 신청하고 대출 기관과 조건을 논의해야 합니다. 결론 어려운 시기에 옵션을 아는 것은 마음의 평화를 가져다 줄 수 있습니다. 유예는 단순한 재정 도구가 아니라 구명줄입니다. 최근 유예율의 증가가 뉴스 헤드라인을 장식할 수도 있지만, 이 옵션은 정확히 그 목적대로 작동하고 있습니다: 가장 필요한 사람들이 집을 잃지 않고 어려운 순간들을 견디도록 돕고 있습니다.   #시카고복덕방 #리얼터한상철   #한인리얼터   #시카고한인리얼터   #일리노이한인리얼터   #시카고리얼터  #한인부동산칼럼 #한인부동산   #부동산중개인  #ChicagoHomes #ChicagoSuburbHomes #Illinois_Best_Korean_Realtor #DuPageCountyHomes #CookcountyHomes #BestKoreanRealtor #Number1KoreanRealtor #Northbrook_Glenview_Schaumburg_BuffaloGrove_Naperville #Realtor_SangHan #chicagokoreanrealtor  #PlatinumPartnersRealtors #seller #모기지유예 #mortgageforbearance

Life sometimes throws unexpected challenges our way. Job loss, sudden expenses, or natural disasters—financial difficulties can affect anyone. But there’s good news. If you’re a homeowner under financial strain, there are rescue options that many people don’t know about. Have you heard of Mortgage Forbearance ?   What is Mortgage Forbearance?   Mortgage forbearance is an option that allows homeowners to temporarily pause or reduce their mortgage payments during short-term financial hardships, such as job loss, illness, or other financial struggles. It gives homeowners a chance to regain their financial footing and get back on track when mortgage payments become too difficult to manage.   A common misconception is that mortgage forbearance was only available during the COVID-19 pandemic. While it played a critical role in helping homeowners during that time, many people don’t realize that forbearance remains a valuable tool available to borrowers in need. Today, it continues to serve as an essential option in helping homeowners avoid delinquency and, ultimately, foreclosure.   The Current Situation of Mortgage Forbearance   Forbearance remains a crucial safety net for homeowners facing temporary financial challenges. While the overall forbearance rate has slightly increased recently, it’s important to understand this trend in a broader context.   According to Marina Walsh, Vice President of Industry Analysis at the Mortgage Bankers Association (MBA), the mortgage forbearance rate rose by three basis points in November and has increased for six consecutive months.   At first glance, this might seem concerning, but a closer look reveals that it’s not as alarming as it seems. The graph below visually represents the situation from 2020 to the present.     While the forbearance rate significantly decreased after reaching a peak in mid-2020, there has been a slight uptick in recent months. This increase is largely linked to the impact of two recent hurricanes—Helene and Milton.   Events such as natural disasters can cause temporary financial difficulties for homeowners, and forbearance acts as an important safety net during the recovery process. In fact, 46% of borrowers currently in forbearance cite natural disasters as the primary reason for their financial hardship.   Despite the recent increase, the forbearance rate remains significantly lower compared to the pandemic period and represents a very small portion of the overall homeowner population.   Why is Mortgage Forbearance Important?   Forbearance helps prevent the vicious cycle of missed payments and foreclosure. It provides homeowners with the breathing room they need to face challenges and plan the next steps. While most homeowners today don’t need forbearance, thanks to strong capital and the current housing market, it remains a valuable option for those who still require it.   If you or someone you know is struggling financially, the first step is to contact your mortgage lender. They can guide you through the forbearance process and help you understand the available options. Forbearance is not automatic; you need to apply and discuss the terms with your lender.   Conclusion   Knowing your options during tough times can bring peace of mind. Forbearance is not just a financial tool—it’s a lifeline. While the recent increase in forbearance rates may make headlines, the option is serving its purpose as intended: helping those who need it most endure difficult moments without losing their homes. #시카고복덕방 #리얼터한상철   #한인리얼터   #시카고한인리얼터   #일리노이한인리얼터   #시카고리얼터  #한인부동산칼럼 #한인부동산   #부동산중개인  #ChicagoHomes #ChicagoSuburbHomes #Illinois_Best_Korean_Realtor #DuPageCountyHomes #CookcountyHomes #BestKoreanRealtor #Number1KoreanRealtor #Northbrook_Glenview_Schaumburg_BuffaloGrove_Naperville #Realtor_SangHan #chicagokoreanrealtor  #PlatinumPartnersRealtors #seller #모기지유예 #mortgageforbearance

집을 살 때 필요한 예산을 계획하는 것은 복잡해 보일 수 있지만, 그렇게 어렵지만은 않습니다. 구매 과정에서 만나게 될 다양한 비용들을 미리 알고 준비한다면, 이 과정을 더욱 효과적으로 통제할 수 있습니다. 이제 구매를 앞두고 고려해야 할 몇 가지 중요한 사항들을 살펴보겠습니다. 다운 페이먼트  다운 페이먼트를 모으는 것은 분명 중요한 과제입니다. 그렇다면 실제로 얼마나 필요할까요? 많은 사람들이 구매 가격의 20%를 내야 한다고 생각하지만, 반드시 그럴 필요는 없습니다. 특정 대출 유형이나 대출자의 요구 사항이 없다면, 필요한 다운 페이먼트는 3.5%나 심지어 0%일 수도 있습니다. 여러 대출 옵션이 있기 때문에 큰 금액을 저축하지 못했다면 걱정하지 마세요. 믿을 수 있는 대출자와 상담을 통해 여러 대출 유형과 각각의 다운 페이먼트 요구 사항, 가능한 다운 페이먼트 지원 프로그램에 대해 알아보세요. 사전에 충분한 정보를 얻는 것이 과정을 더 수월하게 만듭니다. 자신의 상황에 가장 적합한 방법을 찾기 위해 전문가와 협력하는 것이 중요합니다. 클로징 비용  또한 클로징 비용을 예산에 포함시켜야 합니다. 이 비용은 거래에 관련된 여러 당사자에게 지불되는 수수료 및 지불금의 집합입니다. 클로징 비용은 집을 구매할 때 결제일에 지불해야 하는 수수료로, 대출 총액의 2%에서 5% 사이입니다. 이 비용에는 감정, 타이틀 보험, 대출 발행과 심사의 수수료가 포함됩니다. 클로징 비용에 대해 자세히 안내받고 궁금한 사항이 있다면 믿을 수 있는 대출자에게 문의하세요. 또한, 얼마를 준비해야 하는지에 대한 좋은 아이디어를 얻을 수 있어 클로징 날 수월하게 진행할 수 있습니다. Earnest Money (EDM)  모든 가능성을 대비하여 Earnest Money (EDM)을 저축하는 것도 고려해볼 수 있습니다. Realtor.com에 따르면, EDM은 보통 총 주택 가격의 1%에서 2% 사이이며, 주택 구매 제안을 할 때 선의를 보여주기 위해 지불하는 금액입니다. 하지만, 이것은 추가 비용이 아닙니다. 대신, EDM은 선불 비용의 일부로 작용합니다. 이미 저축한 금액 중 일부를 사용하여 판매자에게 집을 구매하려는 진지한 의도를 보여주는 것입니다. 이것은 필수 사항은 아니며, 제안이 반드시 수락될 것을 보장하지는 않습니다. 지역의 구체적인 요구 사항을 이해하고 최적의 결정을 내리기 위해 부동산 자문가와 협력하는 것이 중요합니다. 성공적인 주택 구매 저축 전략의 핵심은 무엇을 저축해야 하는지에 대해 잘 알고 있는 것입니다. 예상할 수 있는 것을 이해하면, 미리 계획을 세울 수 있습니다. 계신 지역의 전문 에이전트와 신뢰할 수 있는 대출자와 상담해보시길 권해드립니다. 그 분들의 도움으로 필요한 정보를 얻어 자신 있게 나아갈 수 있을 것입니다. #시카고복덕방 #리얼터한상철   #한인리얼터   #시카고한인리얼터   #일리노이한인리얼터   #시카고리얼터  #한인부동산칼럼 #한인부동산   #부동산중개인  #ChicagoHomes #ChicagoSuburbHomes #Illinois_Best_Korean_Realtor #DuPageCountyHomes #CookcountyHomes #BestKoreanRealtor #Number1KoreanRealtor #Northbrook_Glenview_Schaumburg_BuffaloGrove_Naperville #Realtor_SangHan #chicagokoreanrealtor  #PlatinumPartnersRealtors #seller #buyer #집구입 #closingcost #downpayment #earnestmoney

Planning the budget for purchasing a home might seem complicated, but it’s not as difficult as it appears. By being aware of the various costs you’ll encounter during the buying process and preparing ahead, you can more effectively manage the entire process. Let’s look at a few important factors to consider as you prepare for your home purchase: 1. Down Payment      Saving for the down payment is a crucial task. So, how much do you actually need? Many people assume they need to pay 20% of the purchase price, but that’s not always the case. Depending on the loan type and lender requirements, the required down payment could be as low as 3.5%, or even 0%. There are multiple loan options available, so if you haven’t saved up a large sum, don’t worry.     It’s important to consult with a trusted lender to understand the different loan types, down payment requirements, and any available down payment assistance programs. Gathering information ahead of time will make the process much easier. Working with an expert to find the best option for your situation is essential. 2. Closing Costs      Don’t forget to include closing costs in your budget. These are fees paid to various parties involved in the transaction. Closing costs typically range from 2% to 5% of the loan amount and must be paid on the day of closing. These costs include appraisal fees, title insurance, and fees related to loan processing and underwriting.     If you have questions about closing costs, reach out to a reliable lender who can provide guidance and give you a clearer idea of how much you need to save for a smooth closing. 3. Earnest Money (EDM)      It’s also worth considering saving for Earnest Money (EDM) to cover any contingencies. According to Realtor.com , EDM is typically 1% to 2% of the total home price and is paid to show good faith when making an offer on a property. However, this is not an additional cost. EDM is a part of your upfront costs and shows the seller that you're serious about buying the home.     While EDM isn’t mandatory, and it doesn’t guarantee that your offer will be accepted, it can help strengthen your position. It’s important to understand local requirements and work with a real estate consultant to make the best decision. The key to a successful home-buying savings strategy is knowing exactly what you need to save for. Understanding the expected costs allows you to plan ahead. I recommend consulting with a local agent and a trusted lender to gather the necessary information and confidently move forward with your purchase. #시카고복덕방 #리얼터한상철   #한인리얼터   #시카고한인리얼터   #일리노이한인리얼터   #시카고리얼터  #한인부동산칼럼 #한인부동산   #부동산중개인  #ChicagoHomes #ChicagoSuburbHomes #Illinois_Best_Korean_Realtor #DuPageCountyHomes #CookcountyHomes #BestKoreanRealtor #Number1KoreanRealtor #Northbrook_Glenview_Schaumburg_BuffaloGrove_Naperville #Realtor_SangHan #chicagokoreanrealtor  #PlatinumPartnersRealtors #seller #buyer #집구입 #closingcost #downpayment #earnestmoney

겨울철은 집을 판매하기에 도전적인 시기일 수 있습니다. 하지만 올바른 준비와 접근 방식으로 겨울철에도 효과적으로 집을 판매할 수 있습니다. 첫째, 집의 실내외를 청결하게 유지하는 것이 중요합니다. 눈이 많이 오는 지역에서는 입구와 마당의 눈을 깨끗이 치우고, 모든 접근 경로가 안전하도록 관리해야 합니다. 이는 방문하는 구매자에게 안전하고 접근하기 쉬운 인상을 줄 수 있습니다. 실내에서는 따뜻하고 안락한 환경을 조성하는 것이 중요합니다. 집안의 온도를 적절히 유지하고, 부드러운 조명과 따뜻한 색상의 장식을 활용하여 편안한 분위기를 만들어 주세요. 향 좋은 캔들이나 벽난로를 이용하면, 추운 날씨에도 불구하고 집안을 따뜻하고 매력적으로 만들 수 있습니다. 이러한 작은 요소들이 구매자의 마음을 사로잡고, 집에 대한 긍정적인 첫인상을 심어줄 수 있습니다. 또한, 마케팅 전략에도 신경을 써야 합니다. 온라인 상의 매력적인 사진과 상세한 설명을 통해 집의 장점을 강조하세요. 겨울철 특성을 살린 효과적인 광고와 프로모션은 집을 눈에 띄게 만들고, 구매자의 관심을 끌 수 있습니다. 집을 판매하고자 하시는 분들이 계시다면, 저희 전문가 팀과 상담하여 최적의 판매 전략을 세울 수 있습니다. 언제든지 저희에게 연락 주시면 친절하게 도움을 드리겠습니다. #시카고복덕방 #리얼터한상철   #한인리얼터   #시카고한인리얼터   #일리노이한인리얼터   #시카고리얼터  #한인부동산칼럼 #한인부동산   #부동산중개인  #ChicagoHomes #ChicagoSuburbHomes #Illinois_Best_Korean_Realtor #DuPageCountyHomes #CookcountyHomes #BestKoreanRealtor #Number1KoreanRealtor #Northbrook_Glenview_Schaumburg_BuffaloGrove_Naperville #Realtor_SangHan #chicagokoreanrealtor  #PlatinumPartnersRealtors #seller #buyer #시카고 겨울 #남방팁 #시카고따뜻하게지내기 #에너지효율성 #집관리 #chicagowinter #homeheatingtips #Staywarmchicago #sellinghome

Winter can be a challenging time to sell a home, but with the right preparation and approach, you can successfully sell your property even during the colder months.   First, it’s crucial to keep both the interior and exterior of your home clean and well-maintained. In areas with heavy snowfall, make sure to clear the snow from driveways, walkways, and the yard to ensure all entry points are safe and accessible. This will create a positive impression on potential buyers, making the property seem welcoming and easy to approach.   Inside the home, it’s important to create a warm and cozy atmosphere. Keep the temperature comfortable, and use soft lighting and warm-colored decorations to enhance the environment. Scented candles or a fireplace can help make the home feel even more inviting and attractive, despite the cold weather. These small touches can leave a lasting positive impression on buyers and help them envision themselves in the space.   Additionally, marketing strategies should be a key focus. Highlight the home’s best features with appealing photos and detailed descriptions online. Effective advertising and promotions tailored to the winter season can make your listing stand out and attract more attention from potential buyers.   If you’re looking to sell your home, our expert team is here to help you create the perfect selling strategy. Feel free to reach out to us anytime for friendly and professional assistance. #시카고복덕방 #리얼터한상철   #한인리얼터   #시카고한인리얼터   #일리노이한인리얼터   #시카고리얼터  #한인부동산칼럼 #한인부동산   #부동산중개인  #ChicagoHomes #ChicagoSuburbHomes #Illinois_Best_Korean_Realtor #DuPageCountyHomes #CookcountyHomes #BestKoreanRealtor #Number1KoreanRealtor #Northbrook_Glenview_Schaumburg_BuffaloGrove_Naperville #Realtor_SangHan #chicagokoreanrealtor  #PlatinumPartnersRealtors #seller #buyer #시카고 겨울 #남방팁 #시카고따뜻하게지내기 #에너지효율성 #집관리 #chicagowinter #homeheatingtips #Staywarmchicago #sellinghome

집을 언제 팔아야 할지 결정하는 건 쉬운 일이 아닙니다. 하지만 대부분의 경우, 인생의 변화가 우리에게 결단을 요구할 때가 있습니다. 새로운 직장으로 다른 주로 이사를 가야 하거나 갓 태어난 쌍둥이와 함께 살기엔 너무 작은 방 한 칸짜리 집에서 사는 경우라면, 망설이거나 고민할 이유가 많지 않을 겁니다. 하지만 눈앞에 시급한 이유가 없을 때는 집을 언제 팔아야 할지 알기 어렵습니다. 그렇다면, 언제 집을 내놓을 때가 되었는지 어떻게 알 수 있을까요? 전문가들의 전문가들의 조언에 의하면 다음의 사인들이 있을 때는 집을 판매하실 때가 되었다고 보시면 된다 합니다.   집이 비좁게 느껴지고 확장이 불가능할 때 가족이 늘어나지 않더라도, 생활 방식이 현재 집에 더 이상 맞지 않을 수 있습니다. 예를 들어, 재택근무를 시작했거나 반려동물이 늘어났거나, 혹은 평소에 꿈꿔왔던 취미 방을 갖고 싶어졌다면 집이 작게 느껴질 수 있습니다. 이럴 때는 물건을 줄여 공간을 확보해 보거나 다락방이나 지하실을 개조해 추가 공간을 만드는 것도 고려해 볼 만합니다. 물론, 모든 사람에게 가능한 방법은 아닙니다. 만약 집의 규모가 충분하지 않거나 해당 지역 규제 때문에 확장이 불가능하다면, 더 큰 집으로 이사 가는 것이 최선일 수 있습니다.   집이 너무 넓게 느껴질 때 반대로, 빈 방과 고요한 집이 부담스러울 때도 있습니다. (empty nest 증후군을 겪고 있다면 더욱 그렇죠!) 이 경우 넓은 집에 있을 필요가 없다는 생각이 들 수 있습니다. 큰 집의 유지 관리가 부담되거나 고지서가 점점 부담스러워진다면, 작고 관리하기 쉬운 집으로 이사하는 것이 더 현실적일 수 있습니다.   이웃이 마음에 들지 않을 때 어느 날 갑자기 이웃 집이 소란스러운 세입자들의 파티 장소가 되거나, 통근 시간이 부담스러워지는 등, 주변 환경이 달라지면서 동네에 불만이 생길 수 있습니다. 또한, 자녀의 학교 때문에 더 나은 교육 환경이 필요할 수도 있습니다.   리모델링이 투자 대비 수익을 제공하지 않을 때 부엌이나 욕실을 새롭게 단장하면 집이 새롭게 느껴질 수 있지만, 이 방법이 항상 경제적으로 좋은 선택은 아닙니다. 만약 현재 집이 동네에서 상위 가격대와 비슷한 상태라면 리모델링보다 차라리 매매를 고려해보는 것이 좋습니다.   판매를 위한 자금이 마련되었을 때 집을 팔면서 수익을 기대할 수 있지만, 매매 준비에도 자금이 필요합니다. 집을 내놓기 전에 페인트칠, 조경, 바닥 보수 등 작은 개선 작업을 해야 좋은 가격을 받을 수 있습니다. 따라서 매매 전에 어느 정도 여유 자금을 준비하는 것이 좋습니다.   경쟁할 준비가 되었을 때 매도자 시장이라면 집을 빨리 팔고 싶은 유혹을 느낄 수 있습니다. 하지만 매도 후에는 매수자 입장이 되므로, 집을 팔고 나서 새로운 집을 찾는 일에도 경쟁이 필요할 수 있습니다.   위에 말씀드린 상황이 되었을 때는 보다 진진하게 집을 판매하시는 것을 고려해보시는 것이 좋습니다. 집 판매에 관한 보다 구체적인 조언이 필요하실 때는 주변 유명 리얼터에게 문의해 보시기 권해드립니다. 물론 시카고와 그 서버브 지역에서는 저를 찾아주시고요.   #시카고복덕방   #리얼터   #리얼터한상철   #한인리얼터   #시카고한인리얼터   #시카고   #일리노이   #일리노이한인리얼터   #시카고리얼터   #한인부동산칼럼   #일리노이리얼터   #부동산   #한인부동산   #부동산중개인   #미국   #Realtor_SangHan   #realtorsanghan   #realtor   #realestateagent   #help_everyone_live_in_a_better_home   #chicagokoreanrealtor  #fed #interestrate #mortgagerate #기준금리인하 #부동산시장전망 #selling #집팔기

Deciding when to sell your home is never an easy decision.   But in many cases, life changes require us to make tough choices. For example, if you need to move to another state for a new job, or if you’re living in a one-bedroom house that’s too small to accommodate your newborn twins, you might not have much time to hesitate. However, when there’s no immediate reason to sell, it can be difficult to know when it’s the right time to list your property.   So, how can you tell when it’s time to sell? According to experts, here are some signs that it might be the right time to put your home on the market:   1. When your home feels cramped and expansion is not possible   Even if your family hasn't grown, your living situation may no longer fit your lifestyle. For instance, if you’ve started working from home, have adopted more pets, or are dreaming of a dedicated hobby room, your current space might start to feel too small. In this case, consider decluttering to free up space or even renovating an attic or basement to add extra room. Of course, this isn’t always an option, and if your home isn’t spacious enough or local regulations prevent expansion, moving to a larger home may be the best option.   2. When your home feels too big   On the other hand, you might feel that a larger home is more of a burden than a blessing. If your house has empty rooms, is too quiet, or you're dealing with the "empty nest" syndrome, it may be time to downsize. Managing a larger home and dealing with the growing costs of maintenance and utilities can become overwhelming, and moving to a smaller, more manageable property may make more sense.   3. When you’re unhappy with your neighbors   If one day you suddenly find that your neighbors have noisy renters or the commute has become more burdensome, you may start to feel frustrated with your neighborhood. This can also apply if you need better schools for your children or a more family-friendly environment.   4. When remodeling doesn’t offer a good return on investment   Renovating your kitchen or bathroom might make your home feel new, but it’s not always the best financial choice. If your home is already priced at the top end for your neighborhood, instead of investing in costly renovations, it may be better to consider selling.   5. When you have the funds to sell   While selling your home may generate profit, it also requires some upfront investment. Before listing, you’ll likely need to make some improvements, such as painting, landscaping, or flooring repairs, to make your home more appealing and to get the best price. It’s a good idea to set aside some extra funds for these necessary improvements before putting your home on the market.   6. When you’re ready to compete   In a seller’s market, you may feel the urge to sell quickly. However, once you sell, you’ll be in the position of a buyer, and you’ll need to compete to find your next home in a competitive market.   If any of the above situations apply to you, it might be time to seriously consider selling your home. For more detailed advice on selling your property, it’s always a good idea to consult with a trusted realtor. And of course, if you're in the Chicago or suburban areas, feel free to reach out to me!   #시카고복덕방   #리얼터   #리얼터한상철   #한인리얼터   #시카고한인리얼터   #시카고   #일리노이   #일리노이한인리얼터   #시카고리얼터   #한인부동산칼럼   #일리노이리얼터   #부동산   #한인부동산   #부동산중개인   #미국   #Realtor_SangHan   #realtorsanghan   #realtor   #realestateagent   #help_everyone_live_in_a_better_home   #chicagokoreanrealtor  #fed #interestrate #mortgagerate #기준금리인하 #부동산시장전망 #selling #집팔기