All agents are NOT alike! Find out why I am a top real estate expert. Call me: 773-330-1519.

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Before signing a contract with any REALTORŽ, make sure you know EXACTLY how your home will be marketed.
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"Ray was an extraordinary advisor."
"He was a wealth of information on how to negotiate deals and in suggesting financial possibilities."
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Ray Miller is one of The Top Selling Real Estate Experts™
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National Listings Databases: Lincoln Park, Rogers Park and Evanston Illinois home buying, real estate listings, and homes for sale in Cook County, IL

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Don't Forget To Request A Quick Status Report On Any Homes Or Properties That Interest You!

It can take days, weeks, or longer for changes to appear on web sites. Don't waste your time with less than current information. Request my free Status Report and find out if the homes you are interested in are still on the market, under contract, in escrow, or if the price has been reduced.

The Status Report that you'll receive by email will also include other important information that has been left out or that is available to me through my professional resources, such as how long the property has been on the market, when it was last sold, what it sold for, and more.

When you click on any link above, you'll see your chosen site, along with a form at the bottom of your screen. Use this form to request my quick Status Report on any homes or other real estate that interests you. It's free and without obligation.

Remember: As a top Lincoln Park, Rogers Park and Evanston area REALTORŽ, it's my job to know more about a property than any web site. Make sure you have the most current information!

Financing Your Home >If You Are Self Employed

There's no question that it could be more difficult for you to get a mortgage loan if you are a free lance viola player than if you are a government accountant. Traditionally, lenders have been more cautious when evaluating loan applications of buyers who are self-employed than people who work for a regular salary.

However, if you are self-employed, there is no reason for you to shy away from applying for a home mortgage loan, especially if your earnings have been in the same field for at least two years. It is a good idea to meet with one or more loan officers before you begin your search. They will probably want to analyze your tax returns for the past 2 or 3 years, keeping in mind that many self employed people can look impoverished on paper, since you can write off some expenses that salaried individuals can not. Try to get pre-approval from the lender, and ask for a letter stating that you have pre-qualified for a loan which your real estate agent can attach to any offer you submit on a home. This will make you more attractive to the sellers.

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Q	Who received the largest land grant ever given to an English subject for only two beaver skins per year?
A	William Penn, the Quaker leader, received Pennsylvania and Delaware to settle a debt owed his father by King Charles II.
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Ray Miller, REALTORŽ, real estate agent and broker for Lincoln Park, Rogers Park and Evanston Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

Ray Miller
Rubloff Residential Properties
1620 Sherman Avenue
Evanston, Illinois 60201
Phone: 773-330-1519
Fax: 773-262-1810
Email: RayMiller@RayMillerRealEstate.com
Email: RayMillerRealty@aol.com
Superior attention to detail and outstanding personal service for all your Real Estate needs. As a Real Estate Broker for over 15 years, Ray understands that his success comes from putting the needs of his client first and effectively marketing properties. Ray is one of the top brokers in the Keller Williams Mid-America Region and the top broker at the Keller Williams Lincoln Park office in Chicago. While specializing in listing and selling single-family homes and condominiums, Ray's expertise also includes commercial/industrial and multiunit properties. Ray excels at: ˇ Assisting seasoned and first time homebuyers achieve their dreams of finding the perfect home. ˇ Working with sellers in marketing their property in order to sell in the appropriate time frame for the highest dollar value. ˇ Searching with investors and locating the ideal property for their needs. With a background that includes retail management and sales training on a national level, Ray is able to prepare buying strategies and implement marketing plans for your property that deliver results. Ray teaches property marketing techniques to colleges in his office and is a mentor to many. Buying or selling, Ray can guide and educate you through each transaction. It is through this type of personally tailored service that Ray has exceeded his clients expectations.

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