(312) 607 7928thekellergroup15@gmail.com

Charles Rutenberg Realty
3135 Book Rd
Naperville, IL 60564

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Expediting the Short Sale Process

Once the buyer and seller are in agreement about different aspects of a short sale, both parties would want the real estate transaction to move forward smoothly. However, even if the buyer made an offer and you accepted it, there are many things in between that still need to be done to see the deal to the end. You are required to get the bank’s approval on the short sale, and this is the time where things tend to take a while depending on the bank and what type of mortgage, FHA or conventional. So what can you do to expedite the short sale pr...

Why Short Sale is Better than Foreclosure

Real estate market fluctuations and economic downturn may lead you to an unimaginable situation, where you put your property for foreclosure. It is a distressing process, which comes with stress and exhaustion alongside losing your property. You can manage the distress and convert it into your benefit by opting short sale over foreclosure. Here is why short sale is better than foreclosure. Protection of Your Creditworthiness For the lenders, foreclosure means a total loss of the asset value, as well as of the creditworthiness. Therefore, a majo...

What Questions Sellers Should Ask While Interviewing a Short Sale Agent?

Have you been served a foreclosure notice recently? Unfortunately, you don’t have much time, and you need to act fast and plan your way forward to avoid foreclosure. A viable option is a short sale, as it will provide you more control over the process, give you a chance to zero your mortgage debt, and save some money to look for a new home. However, as simple as it may sound, you have limited time on your hands to get your home sold. In such a situation, you need to have a short sale agent to put your home on the market, use their resourc...

Is it Important to Hire an Expert in Short Sales?

Are you stuck in a situation where you have no option but to go for a short sale because your home is worth less than you owe to the bank? Are you having a hard time in deciding where to start and who to work with to discuss your options for selling your property? Are you currently overwhelmed by your current circumstances, and simply don’t know what to do? Well, for starters, don’t worry, as feeling bewildered and intimidated in such a situation is quite normal. What you need now is an expert who specializes in short sale transactions and ...

Short Sale: Is it the Right Option for You?

Are you having a hard time making your mortgage payments? This could be because of job loss, divorce, sickness, or maybe you had an adjustable-rate mortgage (ARM) that went up and you could no longer afford the monthly payments on your current income. Whatever the reason, we know that being in debt is a difficult, stressful experience. Fear of losing one’s home can shut many doors. Families facing financial challenges like a bankruptcy, loss of income, credit card debt or lie events like divorce can close even more. It is times like these tha...

The Keller Group – Elgin & Fox Valley Housing Experts

In September 2015, The Keller Group completed their first expansion to guide an ever-growing group of distressed homeowners through the short sale process in the Chicagoland area.  Under the innovative brokerage of Charles Rutenberg Realty of Illinois, and guided by veteran short sale expert Heather J. Keller, this team now works directly with distressed homeowners as they navigate the complicated requirements for a successful short sale, in Elgin, St. Charles, the Fox Valley area and beyond. The Keller Group does all in-house negotiations wit...

What Our Clients Really Think!

2015 is coming to a close and as we look back over the year,  we are very grateful to have so many families trust us with their biggest problem – an underwater mortgage.  The Keller Group has faithfully worked side by side with struggling home owners this year, to help them secure a brighter future and a fresh start for 2016! We are dedicating this post to all the hard working folks we helped, to let them tell you in their own words, what their year was like working through a difficult financial crisis like a short sale. &ldq...

Skip the Resolutions, Give Yourself a Financial Makeover Instead!

“I’m stuck in this house,” the caller said. The first call of the morning often starts out this way.  It’s a call for help, and even though it’s December, they’re not talking about being snow-bound.  It’s that most wonderful time of the year, when folks see a big turning point ahead with a fresh new year about to start, and the calls start coming in. “I lost my job, and for the first time in my life, I’m behind on my mortgage payments,” the caller went on, “I’ve...

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