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All agents are NOT alike! Find out why we are real estate experts. Call us: 618-789-5863.

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Contact Kelly Jansen for all your mortgage needs.
Real Estate - Homes - NUMBER1EXPERTS Sell More!
The Hardas Team are some of The Top Selling Real Estate Experts™
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Pre-Qualify For Your Mortgage
Welcome > For Buyers > Pre-Approved Mortgages ...

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

Mortgage Makers
Kelly Jansen

Hello, my name is Kelly Jansen and I am a loan officer with Mortgage Makers. I work hand in hand with The Hardas Team to make the home buying process as easy and stress free as possible. It would be my pleasure to help get you pre-approved for a mortgage and start you down the right track in purchasing your new home…  

In the pre-approval 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. 

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

Remember: we will respect your privacy! We know this is your personal information, and we will not distribute it to anyone, other than to our preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of our job as top Highland, Edwardsville and Troy real estate agents to offer services such as these. 

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

We can help you get pre-approval for your mortgage. It's our job! This is free and without obligation... 

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School Reports in Highland, Edwardsville and Troy, Illinois
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Real Estate Tips
Making An Offer >Keeping Your Earnest Money Safe

When you make an offer on a house, it is accompanied by an earnest money check. Earnest money is intended to demonstrate that you are "in earnest" about purchasing the property. The earnest money check is made out to the listing company. What happens to this check?

The party holding the check acts as an escrow agent until you go into closing. At that time you will receive credit for the amount of your check against the down payment and closing costs. Real estate brokers are required by law to keep escrow funds in a special account. These funds cannot be used to pay any other expenses associated with the sale. If you don't complete the transaction, the purchase contract determines the disposition of your earnest money funds. Be sure to review this part of your contract with the real estate agent.

If you are in default on your agreement, the funds may go to the sellers, so be sure that you understand the deadlines in order to avoid breach of contract and forfeiture of your deposit. If you have any questions, be sure to ask your real estate agent for advice.

See All Tips In The "Making An Offer" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
Which famous home designed by Thomas Jefferson showed forms of Greek and Roman architecture?

A 
Monticello, begun in 1769, was later enlarged in keeping with its classical forms.
See More Real Estate Trivia >


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The Hardas Team, REALTOR®, real estate agents and broker for Highland, Edwardsville and Troy Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

The Hardas Team
Coldwell Banker Brown Realtors

2621 Plaza Drive
Highland, IL 62249
Phil Hardas: 618-789-5863
Jason Hardas: 618-670-8009
Kristin Hunsche: 618-410-5091
Lori Bishop: 618-301-0103
Fax : 618-654-4360
Email: hardasrealtor@charter.net

As always thank you for choosing The Hardas Team and we look foward to serving all your real estate needs.

ABRCRSEqual HousingGRIMLSREALTOR


(Check The Hardas Team member’s biographies for specific earned designations.)


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