REMODELED OAK KITCHEN CABINETS, MAINTENANCE FREE EXTERIOR PELLA WINDOWS ON 1ST FLOOR. COZY FAMILY ROOM, SPACIOUS MSTR BR. CLOSE TO SCHOOL AND SHOPPING. “1 YEAR AHS HOME WARRANTY TO BE PAID BY SELLER AT CLOSING”

GREAT AND HUGE WELL MAINTAINED HOME, SUN ROOM, BONUS ROOM, SOME HARDWOOD FLOORS IN BRS, BOOSTER ON FURNACE FOR AIR, LOTS OF STORAGE, ALL PELLA WINDOWS INSERT MINI BLINDS. LARGE 5X3.6 WALK IN CLOSET, WHIRLPOOL BATH AND ENCLOSED PORCH. 1 YEAR AHS HOME WARRANTY TO BE PAID BY SELLERS AT CLOSING.

MANY UPDATES, INCLUDED FRESHLY PAINTED - UPDATED APPLIANCES

NEW ENERGY EFFICIENT WINDOWS 2009, NEWER KITCHEN APPS, FRESHLY PAINTED 2009, CLOSE TO PARK

DOUBLE LOT YARD WITH PARK LIKE SETTING. VAULTED CEILING IN LIV. ROOM, FIREPLACE AND FAMILY ROOM OFF KITCHEN. HARDWOOD FLOORS IN OPEN KITCHEN. MASTER BR HAS FULL BATH. LOW MONTHLY UTILITIES, RECENTLY REPLACED ROOF AND WINDOW, SPACIOUS STORAGE IN 2 CAR GARAGE. QUIET NEIGHBORHOOD CONVENIENTLY LOCATED RIGHT OFF 74. GARDEN SHED WITH LOFT FOR STORAGE.

ALL NEW DBLE.PANE WINDOWS IN 2003 - NEW ROOF 2005 - NEW SIDING AND GAR. DOOR 07 - SPACIOUS KITCHEN W/LOTS OF CABINETS AND COUNTERSPACE - LARGE ISLAND, BREAKFAST BAR. HDWD. FLRS IN HALL AND 3 BRS. (UNDER CARPET IN MIDDLE BR.) SPACIOUS CIRCULAR FLR PLAN. FRESHLY PAINTED LIV. RM., DIN RM, HALL, AND CEILINGS IN THOSE RMS. 2 CAR GAR WITH WORK BENCH AND EXTRA RM BLT. IN BACK OF GAR. FOR STORAGE OR WORK SHOP. FENCED BACK YARD.

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PERGOLA BUILT ON BACK PATIO 2 YEARS - STOCK POND IN BACKYARD FOR YOUR ENJOYMENT. EXTENSIVELY LANDSCAPED - 2 GARAGE DOORS OPENERS

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Tom Cain 217-352-5700

tom@soltec.net

For the 3rd year in a row through the generosity of the Masonic lodge of Tolono they opened there building to Friends of Santa so that the parents and guardians of the children could stop by to pick up the gifts for thier families. The Masonic Lodge of Tolono is no stranger to Friends of Santa for the past 9 years they have donated the profits of there Sunday morning breakfast which was held in October to us. This single event averages over $2200 each year.

This years miracle which I watched unfold started when a married mom of three children which works 2 jobs came in to pick up her children's gifts. As she entered she was brought into the large room full of tables that had stacked piles of clothes, shoes, food and (miscellaneous toys which were donated by the Tolono Casey's). She filled 3 bags full of clothes for her children and then proceeded to to get ready to leave. Sonna said wait a minute we have toys for your children we went and got 2 sacks of gifts then we brought out a Turkey dinner and all the trimmings which were donated by my mom Tiana Cain. As the mom looked at the pile of gifts food and clothes she was overwhelmed and said " is this really all mine, I get this for my family " we said yes. So we helped her out to her car with her gifts and she then came back in to Thank everyone. As she walked back to her car she got half way there when she stopped and hung her head down and just started to cry. After a few minutes she was able to walk to her car, she opened the door and as soon as she sat in the drivers seat her forehead laid down on the steering wheel and began to cry for about 5 minutes. But after she was done crying she did as any woman would she pulled down her mirror of her visor fixed her make up and drove off.

When the day was over because of the generousity of many we had a third of my moving truck full of left over clothes and gifts which the next day were taken to Salt and Light so that others in need could benifit. Thank you to everyone who donated there time, clothes and money.

Merry Christmas and may you have a Blessed New Year!

Tom and Sonna Cain

Have a joyful and peaceful holiday season.

I am a Certified Distressed Property Expert (CDPE) which means I have been specifically trained in the process of negotiating a short sale agreement.  I would be happy to answer any questions you may have.

Here are the videos:

http://www.youtube.com/watch?v=BcY2aIG2nSg&feature=channel

http://www.youtube.com/watch?v=fkuXvFBYXVU&feature=channel

A short sale will have much less impact on your credit, so feel free to call me for more information.  

And if you know someone who may benefit from this information, I would appreciate it if you would forward it on.

Wishing you a successful 2010,

Tom Cain RE/MAX Realty Associate

217-373-4859 or tom@soltec.net

Foreclosure is one of the most devastating financial challenges that a family can face and one that many times can be avoided. The options available to residents for foreclosure are many, including but not limited to short sales. Following is a brief explanation of these solutions:

Reinstatement


A reinstatement is the simplest solution for a foreclosure, however it is often the most difficult. The homeowner simply requests the total amount owed to the mortgage company to date and pays it. This solution does not require the lender's approval and will 'reinstate' a mortgage up to the day before the final foreclosure sale.

Forbearance or Repayment Plan


A forbearance or repayment plan involves the homeowner negotiating with the mortgage company to allow them to repay back payments over a period of time. The homeowner typically makes their current mortgage payment in addition to a portion of the back payments they owe.

Mortgage Modification


A mortgage modification involves the reduction of one of the following: the interest rate on the loan, the principal balance of the loan, the term of the loan, or any combination of these. These typically result in a lower payment to the homeowner and a more affordable mortgage.

Rent the Property


A homeowner who has a mortgage payment low enough that market rent will allow it to be paid, can convert their property to a rental and use the rental income to pay the mortgage.

Deed in Lieu of Foreclosure


Also known as a 'friendly foreclosure,' a deed in lieu allows the homeowner to return the property to the lender rather than go through the foreclosure process. Lender approval is required for this option, and the homeowner must also vacate the property.

Bankruptcy


Many have considered and marketed bankruptcy as a 'foreclosure solution,' but this is only true in some states and situations. If the homeowner has non-mortgage debts that cause a shortfall of paying their mortgage payments and a personal bankruptcy will eliminate these debts, this may be a viable solution.

Refinance


If a homeowner has sufficient equity in their property and their credit is still in good standing, they may be able to refinance their mortgage.

Servicemembers Civil Relief Act (military personnel only)


If a member of the military is experiencing financial distress due to deployment, and that person can show that their debt was entered into prior to deployment, they may qualify for relief under the Servicemembers Civil Relief Act. The American Bar Association has a network of attorneys that will work with servicemembers in relation to qualifying for this relief.

Sell the Property


Homeowners with sufficient equity can list their property with a qualified agent that understands the foreclosure process in their area.

Short Sale


If a homeowner owes more on their property than it is currently worth, then they can hire a qualified real estate agent to market and sell their property through the negotiation of a short sale with their lender. This typically requires the property to be on the market and the homeowner must have a financial hardship to qualify. Hardship can be simply defined as a material change in the financial stability of the homeowner between the date of the home purchase and the date of the short sale negotiation. Acceptable hardships include but are not limited to: mortgage payment increase, job loss, divorce, excessive debt, forced or unplanned relocation, and more.

If you are interested in a real-estate agent or broker I would like to recommend Tom Cain. He is not only a nice guy, but will work to get you what  you want. He is not pushy and was genuinely sincere about helping us in anyway.

He gives great advice when it comes to the Bid process, home warranties and general contract stuff. He pulls out the stops to save you money and when you need references for Home Inspections of any sort and lawyers etc., he will hook you up with qualified professional people at a reasonable rate. Let's say you can tell he's been around the block.

Bottom line if you want someone who is down to earth and will work for you, Tom is your guy.

Letter submitted by recent homebuyer.

AHS and Sears Commercial are pleased to offer the AHS Home Rewards Discount.

AND THE BEST NEWS - YOU DO NOT NEED TO HAVE AN AHS WARRANTY TO USE THE DISCOUNT. Call the 800 number below for information on how to take advantage of the discounts.

How the discount works:

•           Log onto www.sears.com

•           Find the products you’d like from these categories

Appliances, Televisions, Fitness Equipment, Mattresses, Lawn- Garden Equipment and Craftsman Tools

•           Jot down the model number you would like to purchase

•           Call 1-800-570-9047 and mention promo code AHSHome for your special pricing

•           A friendly phone consultant will provide pricing, process your order, arrange for delivery and assist with payment terms

•           Enjoy the savings!

Sincerely,

Tom Cain

http://illinihomes.com/chm/maildoc/a005lG8697.html

For more information on this home or if you would like to view it contact me at tom@soltec.net or text me at 217-202-3136

http://illinihomes.com/chm/maildoc/a002vm2603.html

For more information on this home or if you would like to view it contact me at tom@soltec.net or text me at 217-202-3136

http://illinihomes.com/chm/maildoc/a000HY7629.html

For more information on this home or if you would like to view it contact me at tom@soltec.net or text me at 217-202-3136