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

Get Free Presentation On My Home Marketing.
Before signing a contract with any REALTORŽ, make sure you know EXACTLY how your home will be marketed.
Find Out More >
View All Offers >

"Ray was an extraordinary advisor."
"He was a wealth of information on how to negotiate deals and in suggesting financial possibilities."
Marissa and Dan Hopkins
Read Quote >
View All Quotes >

Compare three mortgages at one time. Download TripleCalc now. It's free.

Find Out More >
Download Now >

Ray Miller is one of The Top Selling Real Estate Experts™
Find Out More >

Culture: Lincoln Park, Lakeview and Andersonville Illinois home buying, real estate listings, and homes for sale in Cook County, IL

Welcome > Local Info > Things To Do ...

Things To Do In Lincoln Park, Lakeview and Andersonville!

Guides to Local Dining

Shopping Centers/Malls

Special Local Attractions

Request my Free Lincoln Park, Lakeview and Andersonville Relocation Package. It's packed full of useful and important information about the Lincoln Park, Lakeview and Andersonville, Illinois area. Don't move here without it! Remember: I'll send it to you for free and without obligation.

There's so much to do in Lincoln Park, Lakeview and Andersonville! Let me send you my FREE relocation package about this great area. There's NO obligation, and I promise to respond quickly...

	About You
* Your Name:
* Your Email Address:
Your Street Address:
City:
State:
Country:
Zip/Postal Code:
Phone:
	About Your Move
When Are You Moving?
Where Are You Moving?
	About Your Home Search
Your Price Range?
Number Of Bedrooms?
Number Of Bathrooms?
Home Size In Square Feet?
	About Your Home
Your Preferred Selling Price?
Number Of Bedrooms?
Number Of Bathrooms?
Home Size In Square Feet?
	Additional Info
Please Enter More Details, Along With Any Comments, Concerns, Or Questions:
Send Latest Listings:
Send Latest News:

*Please note that fields marked with an asterisk are required.

Quick Response Guarantee >
I Guarantee Your Privacy >
Free & Without Obligation >

About Appraisals >Three Caballeros

When you buy a house or refinance your present home, your lender will ask you to pay for an appraisal to help ensure that the sales price and mortgage amount is consistent with the property's market value. The appraiser will look for "three caballeros" or three "comparables" -- homes that are very similar to the one you are buying -- and will make adjustments to reflect the differences between the properties.

Housing patterns tend to be homogenous, meaning that homes worth $300,000 are usually located in $300,000 neighborhoods. It is important for properties to be within the general pricing patterns of their neighborhoods because over-valued homes, even if they are exceptional, are sometimes difficult to sell at full market price.

This is not the only factor considered in determining the worth of a property, but it is an important one. The buyer or seller may view the property as a home or an investment, but lenders view it in a completely different way. To a lender, property means security in the event a borrower fails to repay a mortgage. Therefore, lenders must know real estate values in order to limit their risks.

	See All Tips In The "About Appraisals" Category >
	See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q	What mortgage transactions between borrowers and lending institutions operate in the private sector of the economy?
A	Conventional mortgages are private sector transactions that are not insured or guaranteed by the government.
See More Real Estate Trivia >

See the nation's top rated reports for Schools in Lincoln Park, Lakeview and Andersonville >

Mortgage Banker/Broker
Speak with Joe and learn about the differnt programs now available in the market.
Find Out More >
View All Affiliates >

Ray Miller, REALTORŽ, real estate agent and broker for Lincoln Park, Lakeview and Andersonville 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.

www.RayMillerRealty.com is brought to you by Ray Miller
NUMBER1EXPERT™ in real estate for Lincoln Park, Lakeview and Andersonville, Illinois, condos, town homes

Read My Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge