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Welcome! Here You Can Find Great Information on Grayslake, Libertyville and Northern Illinois, Illinois Real Estate  
Welcome to Northern Illinois and all it has to offer! With a convenient location, strong economy, numerous recreation facilities, excellent schools, and traditional small town settings, communities in this region appeal to a diverse group of lifestyles that leave a lasting impression on all those who live and visit here.
Grayslake and Libertyville are two villages in Lake County that provide a pleasant, small town feel located conveniently close to Chicago. Stroll through the streets of these historic downtown areas to browse unique stores and dine at restaurants, each with its own distinct cuisine. For active residents, the area’s lakes and parks provide ample opportunities for activities such as boating, fishing, swimming, hiking, biking, cross-country skiing, and just enjoying the surrounding natural landscape.
 For those people looking to explore Northern Illinois at 70 miles per hour, Six Flags Great America offers more than 30 rides and coasters as well as a water park. Shoppers looking for thrills and deals can go to Gurnee Mills Mall, which has more than 200 retailers including Saks Fifth Avenue Outlet, Nike Factory Outlet, Bass Pro Shops and more. Amateur historians will enjoy the Ansel B. Cook Victorian House & Museum, the David Adler Cultural Center, and the local Civil War reenactment. No matter your interests, Northern Illinois offers something for everyone.
 Looking for Northern Illinois real estate? Elizabeth Splitt will work hard to find your dream home or sell your current home. As your Grayslake, Libertyville, and Northern Illinois real estate expert, Elizabeth Splitt can provide you with access to the local listings database and offer you her experience and knowledge to make the home buying or selling process easier for you and your family. Contact Elizabeth Splitt today to get your home search started!
I look forward to helping you buy or sell your home!
-- Elizabeth Splitt
Buyers Remorse >First Time Loans
Most first-time buyers can qualify for a mortgage loan, but they may need help from parents to make the down payment or closing costs on their home. There are loan programs that minimize the down payment and closing costs for first-time buyers. These programs usually require that 3 to 5 percent of the purchase price come from the buyers' funds, not from a loan or gift. Most lenders ask for the last three months' bank records. The borrower will be asked to reveal the origin of any large deposits. If the money comes from the homebuyer's parents, the lender may not consider those funds when qualifying the buyers.
Parents who are planning to help their children finance a home should transfer any funds several months before the house-hunting process begins. If it is a loan rather than a gift, a formal re-payment agreement should be drawn up between parents and children to eliminate potential misunderstandings or future complications with either estate.
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