Champaign, Urbana and University of Illinois, real estate and homes for sale in Illinois, new construction, investment property - Tom Cain, REALTOR® Tom Cain REALTOR(r) for Champaign, Urbana and University of Illinois, Illinois real estate, new construction, investment property - NUMBER1EXPERT™ Tom Cain NUMBER1EXPERT(tm) for Champaign, Urbana and University of Illinois, Illinois real estate, new construction, investment property
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Tom Cain, REALTORŪ, real estate agent and broker for Champaign, Urbana and University of Illinois, Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)
TOM CAIN
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Moving your family to another town or state is a major event in your life! I have helped many families and individuals relocate!
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Mortgage Prequalification: Champaign, Urbana and University of Illinois, Illinois home buying, real estate listings, and homes for sale in Champaign County, IL
Welcome > For Buyers > Mortgage Prequalification ...


Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend! 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

I help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top Champaign, Urbana and University of Illinois REALTORŪ to offer services such as these. 

Once you fill out the form, I will quickly process your information and get right back to you! 

I can help you pre-qualify for your mortgage. It's my job! This is free and without obligation... 

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Real Estate Tips
Time to Move >When Your House Gets Too Big

As the Baby Boomers of the 1950s send their children off to college, they join the part of the market called "empty nesters". At this point they no longer need six bedrooms and three baths, a family room and a gigantic yard. Many "empty nesters" are trading in the family home for something that is smaller, easier to maintain and has the amenities that are important to their more carefree lifestyle. If you are considering such a move, start out by consulting a good Realtor whom you like and trust. The good news is--- when you sell your primary residence, you are not taxed on your profit if (1) you have lived in the home for two out of the last five years and (2) your gain does not exceed $250,000 as a single taxpayer or $500,000 as a married couple filing jointly. These capital gain exclusions apply whether you "buy up" to a more expensive home or "buy down" to a less expensive one. If you are moving downtown from the suburbs in order to be close to cultural centers, theaters and restaurants, there may be "quality of life" issues, such as noise or parking. Your Realtor can help you find a home that has all the conveniences and amenities you desire.

See All Tips In The "Time to Move" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
What is considered one of the greatest U.S. construction projects that was also of great strategic importance to the U.S.?

A 
The Panama Canal, begun in 1904 and completed in August, 1914, which cost $366,650,000.
See More Real Estate Trivia >








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Tom Cain, REALTORŪ, real estate agent and broker for Champaign, Urbana and University of Illinois, Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

Tom Cain
RE/MAX Realty Associates

2009 Fox Drive, Suite G
Champaign, IL. 61820
Phone: 217-352-5700
Toll Free: 800-537-0217
Fax: 217-352-0108
Email: tomcain@NUMBER1EXPERT.com

Tom began his Real Estate career in 1989. He has been with RE/MAX Realty Associates since 1994. Since then he has received the Hall of Fame, 100% Club and Platinum award from RE/MAX International. In 2001 Tom was awarded #1 agent in the Region for closed transactions.

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