Where should first-time buyers in the Chicago suburbs start?

What should Lake in the Hills buyers check?

Start with the parcel record and actual tax information for the property you are considering. The McHenry County Office of Assessments provides assessment and exemption contacts. Ask how your eligibility differs from the seller’s; an existing exemption is not proof of your future tax bill.

What should Plainfield buyers check?

Confirm the property’s county and parcel before using a tax estimate. If the parcel is in Will County, use the Will County Supervisor of Assessments property search. Use the correct county’s records for any other parcel. Ask your agent and closing team about taxes, association dues, and any assessments affecting the property.

Which loan programs should a first-time buyer compare?

Discuss conventional, FHA, and, when eligible, VA or USDA financing. Down payment assistance / Chenoa has its own limits, availability, and possible repayment terms; first-time buyer status alone does not establish eligibility.

How do I prepare for pre-approval and compare offers?

Gather income and asset records, existing debt details, and available funds. Self-employed buyers should discuss the documents needed before house shopping. Follow the pre-approval checklist and first-home roadmap.

Compare written offers using consistent assumptions. The CFPB’s Loan Estimate comparison guide explains why differing tax and insurance estimates do not establish a better loan offer.

Do I need to change my real estate agent?

No. We are happy to work with your existing agent on financing. If you do not have an agent, you can request an optional local introduction. You choose your own agent and mortgage provider.