Search Results

오늘도 아침에 눈이 왔습니다. 겨울이 되면 집주인들에게 찾아오는 공공의 적,  '눈' ! 특히 드라이브웨이에 쌓인 눈은 단순히 보기 싫은 게 아니라, 차도 못 나가게 하고, 얼음판으로 변해 위험까지 초래하죠. 오늘은 이 겨울 전쟁에서 승리할 수 있는 비장의 무기들을 소개해드리겠습니다.   1. 눈과의 타이밍 싸움: "치울 건 빨리 치워라" 눈은 생각보다 교활합니다. 처음엔 폭신한 솜처럼 앉아있다가, 시간이 지나면 단단한 얼음 갑옷을 입어요.해결책은?  눈이 그치자마자 바로 치우기! 기다리다가 '나중에 치워야지'라고 생각하면, 그건 스스로 눈 치우기 난이도를 올리는 일입니다. 어차피 할 거라면  빨리 끝내고 따뜻한 커피 한 잔  즐기세요!   2. 무기는 준비되었는가? 눈과 싸울 때 중요한 건 적절한 무기를 사용하는 겁니다. 눈삽(스노우 샤블):  폭신한 눈에 최적화! 밀고 퍼내기 둘 다 가능합니다. 눈 밀대(스노우 푸셔):  넓은 드라이브웨이를 가진 분들에게는 필수템! 한 번에 밀어내는 짜릿함을 느껴보세요. 제설기:  눈이 쌓였다면? 제설기가 답입니다. 다소 비싸지만, 눈 치우기 마스터가 되고 싶다면 투자할 만한 가치가 있죠. Pro Tip:  사용 전 삽과 밀대에 약간의 실리콘 스프레이나 식용유를 뿌리면 눈이 덜 달라붙습니다. (시간 절약은 덤!)   3. 치우기 전 계획이 중요하다 눈을 치우기 전에  '눈을 어디로 모을지'  미리 정하세요. 여기저기 흩뿌리듯 치우면 오히려 더 오래 걸릴 뿐만 아니라 힘도 배로 듭니다. 전략:  드라이브웨이 한쪽에 눈을 몰아두고, 차가 지나갈 길만 깨끗하게 확보하세요.  눈 치우기의 미니멀리즘 , 꼭 실천하세요!   4. 제설제의 힘을 빌리자 눈 치운 후 남은 잔설이 문제라면?  염화칼슘이나 제설제 를 사용해보세요. 눈이 얼어붙기 전에 뿌려두면 안전하고, 작업 후 뿌리면 더 완벽한 마무리가 됩니다.단, 너무 많이 뿌리면 드라이브웨이가 손상될 수 있으니 적당히 사용하세요.  작은 게 강하다 는 걸 믿으셔야 합니다.   5. 절대 하지 말아야 할 행동: 더운 물 붓기 눈이 너무 두꺼워 보일 때  '뜨거운 물 한 번 부으면 다 녹겠지?'  하는 생각이 들 수도 있어요. 하지만 멈추세요!뜨거운 물을 붓는 순간, 그곳은 얼음판으로 변신합니다. 차라리 얼음 미끄럼틀을 즐길 계획이라면 몰라도요.   6. 내 허리를 부탁해 눈 치우기, 생각보다 허리에 무리가 갑니다. 특히 드라이브웨이 눈 치우기는 시간도 오래 걸리죠. 팁: 눈 삽질 시 허리를 굽히기보다 다리를 사용하세요. 중간중간 스트레칭을 하며, 필요하다면 5분씩 쉬어가세요. 눈은 결국 다 치울 수 있지만, 허리는 다시 못 돌아옵니다! 이제 눈 치울 준비가 되셨나요? 앞으로는 눈이 와도 겁먹지 마세요.    #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 #snow #snowshoveling #눈치우기

This morning, the snow arrived again. Every winter, homeowners face a common enemy:  snow ! Especially when it piles up on your driveway, it’s not just an eyesore—it keeps your car trapped and turns into a dangerous ice rink. Today, we’re sharing the secret weapons you need to win this winter war. 1. The Timing Battle: “Clear it fast!” Snow is sneakier than you think. It starts soft and fluffy, but over time, it turns into a solid ice shell.The solution? Shovel as soon as it stops snowing!Waiting and thinking "I'll do it later" only makes it harder. If you're going to do it, get it over with quickly and reward yourself with a hot cup of coffee afterward! 2. Are Your Weapons Ready? When battling snow, using the right tools is crucial.•  Snow Shovel : Perfect for soft snow! Great for both pushing and scooping.•  Snow Broom : A must-have for those with a wide driveway! Feel the satisfaction of clearing a large area in one go.•  Snow Blower : If the snow's piled up, a snow blower is your best friend. It’s an investment, but if you want to be a snow-clearing master, it’s worth it. Pro Tip : Before use, spray a bit of silicone spray or cooking oil on your shovel or broom. It helps the snow slide off and saves you time! 3. Plan Before You Shovel Before you start clearing, plan where to pile the snow. If you scatter it everywhere, it’ll take longer and tire you out more. Strategy : Push the snow to one side of the driveway and only clear a path where the car will pass. Embrace the minimalist approach to snow shoveling! 4. Harness the Power of Salt Leftover snow or ice causing problems? Try using calcium chloride or a deicer.Sprinkle it before the snow hardens for extra safety, or use it after clearing for a perfect finish.Just be careful not to overuse it, as too much salt can damage your driveway. Remember, a little goes a long way. 5. The One Thing You Should Never Do: Pour Hot Water If the snow looks too thick, you might be tempted to think, “A little hot water will melt it all away!” But stop right there!Pouring hot water will turn your driveway into an ice rink instead. Unless you’re planning to enjoy an ice slide, don’t do it! 6. Protect Your Back Shoveling snow is tougher on your back than you might think, especially when it’s a large driveway. Tips :• Use your legs, not your back, when lifting the snow.• Take breaks every 5 minutes, stretch, and rest.You can always clear the snow, but you can’t fix your back once it’s hurt! Are you ready to clear the snow? #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 #snow #snowshoveling #눈치우기

집을 팔 계획이라면 피해야 할 큰 실수가 있습니다. 바로 너무 높은 가격을 책정하는 것입니다. 높은 가격을 제시하면 협상 여지가 생길 것 같고, 이익을 크게 늘릴 수 있을 것 같지만, 현실은 종종 그 반대의 결과를 초래합니다. 이는 통계가 증명하는 부분입니다. 실제로 Realtor.com에 따르면 거의 20%의 판매자들이—즉 다섯 명 중 한 명은—집을 팔기 위해 가격을 낮춰야 한다고 합니다. 너무 높게 시작하면 문제를 초래할 수 있으며, 이를 피하는 방법을 알아보겠습니다. 너무 높은 가격은 구매자를 밀어냅니다 현재 모기지 이자율과 주택 가격을 고려할 때, 구매자들은 이미 예산을 최대한 늘려 이사를 계획하고 있습니다. 따라서 너무 높게 책정된 집을 본 구매자들은 "협상할 수 있겠다"라고 생각하기보다는 "다음"이라고 생각하고 그 집을 완전히 건너뛰게 됩니다. National Association of Realtors에 따르면 일부 판매자들은 가능하다는 이유로 집을 그 어느 때보다 높은 가격에 책정하고 있지만, 이는 진지한 구매자들을 떨어뜨릴 수 있다고 합니다. 집이 시장에 오래 머물수록 구매자의 의심은 커집니다 가격이 너무 높게 책정된 집은 시장에 오래 남게 됩니다. 그리고 집이 오래 머물수록 구매자들은 그 집에 무슨 문제가 있는지 의심하기 시작합니다. 집 자체에 문제가 있는 것인지, 판매자와의 협력이 어려운 것인지, 심지어 가격 외의 문제가 있더라도, 그 추가 시간은 의심을 불러일으킵니다. U.S. News에 따르면 처음부터 현실과 동떨어진 높은 가격을 책정하고 나중에 내릴 수 있다는 생각은 부동산에서 통하지 않으며, 처음에 과대평가된 주택은 가격을 내린 후에도 시장에 오래 머무르게 되는데, 이는 구매자들이 뭔가 문제가 있다고 생각하기 때문이라고 합니다. 집 가격을 올바르게 책정하는 비결 이 모든 문제를 피하는 비결은 간단합니다. 시장을 속속들이 알고, 집 가격을 어떻게 책정해야 할지 솔직하게 조언해 줄 수 있는 현지 부동산 중개인과 함께 일하는 것입니다. 숫자만 맞추려는 중개인이 아니라, 여러분에게 최선의 결과를 가져다 줄 수 있는 전문가와 파트너 관계를 맺어야 합니다. 적절한 중개인은 현지 시장의 실시간 데이터를 사용하여 주목을 끌고, 구매자를 유치하며, 여전히 좋은 수익을 남길 수 있는 가격을 제안할 것입니다. 경험이 풍부하고 잘 해낸 사람이 바로 여러분이 함께 일하고 싶은 중개인입니다. 다시 말씀드리지만, 가격이 매력적이지 않다면 팔리지 않습니다. 너무 높게 책정하여 구매자를 겁주는 대신, 올바른 가격을 알고 있는 현지 에이전트와 협력하여 집이 시장에 적절한 가격으로 나와 주목을 받고 팔릴 수 있도록 가격책정을 하시는 것이 중요합니다.   #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 #pricing #sellinghomes

If you're planning to sell your home, there's a major mistake you need to avoid: setting the price too high. You might think that by asking for a higher price, you'll have room for negotiation and can make a larger profit, but in reality, it often leads to the opposite outcome. This is backed by statistics. In fact, according to Realtor.com , nearly 20% of sellers—about one in five—have to lower their asking price in order to sell. Starting too high can create problems, so let's look at how to avoid this. Too high a price scares off buyers Given current mortgage rates and home prices, buyers are already stretching their budgets to make a move. When they see a home with an inflated price, they don't think, "I can negotiate this down," but instead think, "Next," and skip the property entirely. According to the National Association of Realtors, some sellers set their prices higher because they think they can always come down, but this can actually drive serious buyers away. The longer the home stays on the market, the more doubts buyers have A home priced too high will linger on the market longer. And the longer it sits, the more buyers begin to wonder what’s wrong with it. Is there something wrong with the house itself? Is it difficult to work with the seller? Even if the issues aren’t related to the home itself, the extended time on the market creates doubts. According to U.S. News, setting an unrealistically high price from the start, thinking you can always lower it later, doesn’t work in real estate. Homes that are overpriced initially tend to stay on the market longer, even after the price is reduced, because buyers assume there must be an issue. The key to pricing your home correctly The key to avoiding all these issues is simple: work with a local real estate agent who knows the market inside and out and can honestly advise you on how to price your home. You want to partner with an expert who is not just focused on hitting a specific number but is committed to getting you the best possible outcome. A good agent will use real-time data from the local market to suggest a price that attracts attention, draws in buyers, and still allows you to make a good profit. The agent you want to work with is someone experienced and proven. Again, if your price isn't attractive, your home won’t sell. Instead of overpricing and scaring off potential buyers, it’s important to work with a local agent who knows the right price to set, so your home can hit the market at an appealing price and attract attention quickly. #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 #pricing #sellinghomes

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