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The Hardas Team is a uniquely developed team set-up to give incredible customer service. The Hardas Team is focused not only in being your Realtor but being your one stop place for all your real estate needs. We strive for lifelong customers each and every time.

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    3 Bedroom ranch with full basement $99,000  SOLD!  
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Front View : Mature Trees

Address:   1018 Villa Ridge    City/ST:   Collinsville, IL   Zip Code:   62234  
Location:   1018 Villa Ridge, Collinsville IL 62234   Property Type:   Single Family Home   New or Resale:   Resale   
Square Footage:   1053   Bedrooms:   3   Bathrooms:   1  
MLS#   2816595   Property Tax:   1495  

3 Bedroom ranch with full basement, dry locked in 2005.Gutter drains, electric panel & breakers, water heater, kitchen sink, counter top, ceiling fans in bedrooms, double hung vinyl windows and carpeting all in 2005. Elem Sch:COLLINSVILLE DIST 10 Mid Sch: COLLINSVILLE DIST 10 High Sch: Collinsville

Last Updated: 11/11/2009 12:36:20 AM
Listing Agent and Office:  Deborah Schiber, Coldwell Banker Brown Realtors-Troy

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Appliances: ELECTRIC RANGE , REFRIGERATOR Features: PORCH:COVERED , WHOLE HOUSE ATTIC FAN , WNDW:DBL HUNG; Lot Size: 50 x 200
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Real Estate Tips
Financing Your Home >Mortgage Terms

New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.

Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.

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Real Estate Trivia
Q 
What unique contribution did the town of Flushing, New York make to the American home?

A 
The flush toilet was invented in Flushing.
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The Hardas Team, REALTOR®, real estate agent and broker for Highland, Edwardsville, Troy and Greenville, Illinois home listings, property and land for sale - NUMBER1EXPERT

The Hardas Team
Coldwell Banker Brown Realtors

2621 Plaza Drive
Highland, IL 62249
Phil Hardas: 618-789-5863
Jason Hardas: 618-670-8009
Lori Novosel: 618-301-0103
Fax : 618-654-4360
Email: CustomerCare@TheHardasTeam.com

The Hardas Team is a uniquely developed team set-up to give incredible customer service. The Hardas Team is focused not only in being your Realtor but being your one stop place for all your real estate needs. We strive for lifelong customers each and every time.

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