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www.pantagraphhomemarket.com
Presented by Margie SimmonsPrudential Snyder Real Estate
January 13, 2012
1055618
Great price in Hawthorne II
Pantagraph HOME MARKET, Friday, January 13, 2012 www.PantagraphHomeMarket.com2
For products and services helpful to you in your home buy-
ing and selling, please refer to the advertisers throughout
Home Market and in our Home Market Directory.
Home Market magazine is a regular Friday publication of
The Pantagraph Advertising Department. Copyright 2012.
The Pantagraph. Publisher’s Notice: All real estate adver-
tised herein is subject to the Federal Fair Housing Act of
1968 which makes it illegal to advertise “any preference,
limitations, or discrimination based on race, color, reli-
gion, sex, or national origin, or intention to make special
preference, limitations, or discrimination.” We will not
knowingly accept any advertising for real estate which is
in violation of the law. All persons are hereby informed
that all dwellings advertised are available on an equal op-
portunity basis.
309-829-9000 ext. 359
ADVERTISER INDEX FROM THE COVER
Century 21 Aper Realty2409 E. Washington, Suite B, Bloomington, 309-664-4455
Coldwell BankerHeart of America REALTORS®, LTD802 S. Eldorado Road, Bloomington, 309-662-9333
Heartland Bank401 N. Hershey, Bloomington, 309-662-4444
Inlanta Mortgage712 IAA Drive, Bloomington, 309-664-4400
Keller Williams Realty2206 Eastland Drive, Suite 101Bloomington, IL 61704309-834-3400
Mid Illini Credit Union1811 Eastland Dr., Bloomington, (309) 661-1166 or 800-527-2205
Mortgage Services IIIBloomington, 309-664-9100
Prudential Snyder Real Estate1 Brickyard Drive, Bloomington, 309/663-7653
RE/MAX Choice2203 Eastland Dr., Suite 1, Bloomington, 309-663-8571
Schrof Companies, Inc.Commercial2303 E. Washington, Suite 5C, Bloomington, IL309-662-3200
State Farm Bank309-766-4649
892501
3601 Baywood, BL • $359,900
• This is an exceptional house in Hawthorne II. Over 3000 fi nished square
feet on main levels!
• Full basement with day-lite windows, full bath & plumbed for wet bar!
• Incredible 4 seasons room! No maintenance deck with railing
overlooking private backyard with tons of trees & landscaping!
• Tons of storage outside underneath 4 seasons room!
• Zoned heating & cooling! ( 3 separate zones)
• Over-sized and heated 3 car garage!
• Sprinkler System!
• 9’ Ceilings on main fl oor!
• New roof in 2008!
• New carpet & paint throughout home! Lots of new light fi xtures both
inside & out!
• Sharp 1st fl oor master suite with walk-in closet, whirlpool tub, large
shower & double sinks.
• Additional 4 large bedrooms upstairs with plenty of closet space!
• Walk-in (2nd furnace) room upstairs with tons of storage space!
• Dining Room & Kitchen both feature hardwood fl oors. Other kitchen
features include stainless steel appliances, plenty of cabinets, pantry &
large island.
• This home has been meticulously taken care of and best value in
Hawthorne II.
Open Saturday 10-2 or call for a private showingDirections: East on GE Road to left on Woodbine to Right on Baywood to house.
©2012 Prudential Financial, Inc. and its related entities. An independently owned and operated broker member of Prudential Real Estate Affi liates, Inc., a Prudential Financial company. Prudential, the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. Used under license. Equal Housing Opportunity.
Margie SimmonsMobile: (309) 531-2477Work: (309) 661-1971email: [email protected]: www.margiesimmons.com
www.PantagraphHomeMarket.com Pantagraph HOME MARKET, Friday, January 13, 2012 3
Because we care… We make a difference
#1 Real Estate Company in McLean County.
Vincente Adame261-9724
Jim Allen275-1241
2012 Teams
John Armstrong661-7068
JohnArmstrongHomes.com
The Jack Bataoel Home Selling TeamAllison Smith: 661-7057www.JackKnowsHomes.com
Anne Bliss: 825-ANNEabliss.cbhoa.com
Kindi Bliss: 275-3707kbliss.cbhoa.com
Jeff Hansen: [email protected]
Katrina Hansen: [email protected]
Janel Harrison: 825-1668Joe Harrison: 825-1600
HEART OF AMERICAREALTORS®, LTD www.cbhoa.com
309.664.3505
Bev Virgil: 261-4116Tiffany Nord: 261-0536
Deb Connor: 531-1912Jim Schilkoski
Don and Lorna Ray532-1624
The Lane TeamJoe Lane: 275-0743Joey Lane: [email protected]
Greg Zavitz: 275-GREGSteve Forrest: 261-0883
Jenn Blancett-Marketing/Offi ce Managergregzavitz.com
“Like Us” @ www.facebook.com/cbhoahomes
Bob Anet825-2014
www.cbhoa.com
Shirley Armstrong824-8088
www.cbhoa.com
Dan Highland287-4104
Butch Ekstam827-2521
Donna Epperson275-1248
Milt Emerson838-1810
Karen Elias827-2075
www.cbhoa.com
Erica Epperson275-2992
Matt Felumlee825-8712
Shirley Gorham242-8905
www.cbhoa.com
Georgean Fish 825-7355
Anne Fleer826-2178
John Fox275-9575
Mark Haeffele275-3039
Barry Hammer275-2516
barryhammer.com
Kacie Rodriguez-Hall826-0980
Gary Miller309-241-2926
Julie Noble826-9845
Mary Ellen O’Rourke825-8857
www.cbhoa.com
Kathleen O’Brien Boston261-1428
Terri O’Brien660-1210
Janice NorrisRelocation
Gary Rapp661-1562
Steve Sovereign309-826-4646
Marvin Sandel275-3676
www.cbhoa.com
Ginni Schori826-1425
Becky Scholl825-1227
www.cbhoa.com
Darren Sheehan838-9396
Chuck Montgomerie275-8706
Steve Rader275-4585
Joy Szmaj242-SALE
Jill Vernon829-1800
Gerry Wahlheim532-2920
Melanie Walker261-4073
Penny Willson319-4008
Amanda Wycoff 242-2647
Rick SealsSales Manager
664-3647
Larry HundmanBroker
662-9333
Karen Zook663-2177
www.cbhoa.com
Matt Zenor275-3769
Bina Todi531-9140
Liliana Taimoorazi826-5559
lilianacbhoa.com
Marty Trunk275-0964
Stacey Jewett: 275-4636Gary Jewett: 275-4634
jewetthomes.com
Jeff Baggett287-2694
Mike Bergelin275-4786
Camille Cornwell275-6713
www.cbhoa.com
Charlie Bohmer664-3520
www.cbhoa.com
Caroline Bird261-0999
Noelle Burns830-2404
Michael Campbell275-2062
Laurie Christensen275-9951
Michele Beverage825-0992
Paula Dalton 824-0885
Taylor Hoffman287-6513
Hazem Jaber217-621-4965
Hansa Jaggi310-5530
Jack Keefe826-1872
Lisa Lockenvitz287-7325
Lynn Lister287-6610
Lisa Lyle826-1419
Jimmy Mapugay275-5971
Roger Massey533-5300
Gregory Merriman275-4333
www.gregsellshouses.com
Derek Mead532-5653
Kimberly Jackson275-4214
Neil Jeffreys275-4401
Vic Armstrong275-3390
Pantagraph HOME MARKET, Friday, January 13, 2012 www.PantagraphHomeMarket.com4
Heart of AmericaREALTORS® , LTD
309-662-9333 866-775-9333cbhoa.com
802 S. Eldorado Rd. Bloomington, IL 617042011 Coldwell Banker Residential Real Estate.
Some offi ces Independently Owned and Operated.
Price Address City Agent Phone # Date Time Price Address City Agent Phone # Date Time
$899,900 10 Windsong Way BL Joy Szmaj (309) 242-7253 1/14/12 1:00-3:00 $119,900 1004 S Summit BL Steve Sovereign (309) 826-4646 1/15/12 1:00-2:30
$584,900 9695 Janel BL Liliana Taimoorazi (309) 826-5559 1/14/12 10:30-12:00 $115,000 1307 Holiday Drive BL Hansa Jaggi (309) 310-5530 1/14/12 11:00-12:30
$549,900 20138 Sterling BL Liliana Taimoorazi (309) 826-5559 1/15/12 1:30-3:00 $114,900 2312 A Rainbow BL Becky Scholl (309) 825-1227 1/14/12 10:00-11:30
$384,900 4 Knollbrook BL Becky Scholl (309) 825-1227 1/15/12 1:00-2:30 $89,900 603 S Roosevelt BL Bev Virgil (309) 261-4116 1/14/12 1:00-2:30
$349,900 1902 Wakefi eld BL Amanda Wycoff (309) 242-2647 1/14/12 10:00-11:30 $89,900 1101 E Emerson BL Vicente Adame (309) 261-9724 1/14/12 10:00-12:00
$339,900 1304 Jolene BL Joe Harrison (309) 825-1600 1/14/12 9:30-12:15 $89,900 811 W Monroe BL Becky Scholl (309) 825-1227 1/14/12 12:00-1:00
$339,900 1304 Jolene BL Joe Harrison (309) 825-1600 1/15/12 1:00-3:00 $69,900 603 N Allin BL Jack Bataoel (309) 664-0191 1/15/12 10:00-11:30
$335,000 604 Wren BL Lynn Lister (309) 287-6610 1/14/12 1:00-3:00 $69,900 806 Summit BL Jack Bataoel (309) 664-0191 1/14/12 12:00-1:30
$319,900 4 Mayapple Ct BL Liliana Taimoorazi (309) 826-5559 1/14/12 12:00-1:00 $258,900 2409 Sanford NL Michele Beverage (309) 825-0992 1/14/12 10:00-12:00
$300,000 2 Scofi eld BL Joy Szmaj (309) 242-7253 1/14/12 10:30-12:30 $256,900 3236 Blue Bird NL Mark Haeffele (309) 275-3039 1/14/12 1:00-3:00
$299,000 13649 Burr Oak Rd. BL Michael Bergelin (309) 275-4786 1/14/12 1:00-3:00 $245,000 2881 Three Eagles NL Kami Anderson (309) 275-6568 1/14/12 10:00-11:30
$297,000 3706 Gina BL Don Ray (309) 532-1624 1/14/12 1:00-3:00 $239,900 1910 Towanda NL Ginni Schori (309) 826-1425 1/15/12 1:00-2:30
$297,000 3706 Gina BL Shirley Gorham (309) 242-8905 1/15/12 12:30-2:00 $194,900 2014 Haverhill CC Park NL Kathy O'Brien Boston (309) 261-1428 1/14/12 10:00-11:30
$265,000 3305 Golden Eagle BL John Armstrong (309) 275-9333 1/14/12 10:00-11:30 $179,900 1208 Blue Bill Way NL Lynn Lister (309) 281-6610 1/14/12 10:00-12:00
$258,900 3018 E Oakland BL Anne Bliss (309) 825-2663 1/14/12 1:00-2:30 $169,900 19 Broadway Pl NL Becky Scholl (309) 825-1227 1/14/12 1:30-2:30
$254,900 3112 Eagle Crest BL Shirley Gorham (309) 242-8905 1/14/12 1:00-2:30 $168,900 1008 Porter NL Jack Bataoel (309) 664-0191 1/14/12 12:00-1:30
$221,000 2512 Blarney Stone BL Gerald Wahlheim (309) 532-2920 1/14/12 1:00-3:00 $159,900 203 Martin NL Don & Lorna Ray (309) 532-1624 1/14/12 10:00-1:00
$209,900 3 Joslin BL Jack Keefe (309) 662-9333 1/15/12 1:00-3:00 $144,900 702 Normal Ave NL Steve Forrest (309) 261-0883 1/14/12 10:00-11:30
$199,900 1519 E Grove BL Jack Bataoel (309) 664-0191 1/14/12 10:00-11:30 $129,900 1810 Jacobssen NL Steve Sovereign (309) 826-4646 1/14/12 11:00-12:30
$195,000 83 Crista Ann Ct BL Penny Wilson (309) 319-4008 1/14/12 2:30-4:00 $125,500 1107 West NL Vicente Adame (309) 261-9724 1/14/12 1:00-3:00
$169,000 14 Rock Garden #1 BL Gerald Wahlheim (309) 532-2920 1/15/12 1:00-3:00 $118,000 1014 N Oak NL Penny Wilson (309) 319-4008 1/14/12 10:00-11:30
$162,800 102 Wildfl ower BL Bob Anet (309) 825-2014 1/14/12 10:00-12:00 $106,900 911 Fairchild NL Laurie Christensen (309) 275-9951 1/14/12 1:00-3:00
$159,000 18267 US Hwy 150 BL Jack Bataoel (309) 664-0191 1/14/12 2:00-3:30 $249,900 8288 Garden Rd Carlock Liliana Taimoorazi (309) 826-5559 1/14/12 1:30-3:00
$158,500 2825 Richard Road BL Steve Sovereign (309) 826-4646 1/14/12 1:00-2:30 $41,500 405 W Owsley Chenoa Shirley Armstrong (309) 824-8088 1/14/12 10:00-12:00
$154,900 44 Ventnor BL Steve Forrest (309) 261-0883 1/14/12 12:00-1:00 $129,900 397 E Second El Paso Neil Jefferies (309) 275-4401 1/14/12 10:00-12:00
$149,000 37 Harbord Drive BL Anne Fleer (309) 826-2178 1/15/12 1:00-2:30 $179,900 14961 N 500 East Rd Flanagan Jack Bataoel (309) 664-0191 1/15/12 12:00-1:30
$135,000 8398 Surrey Circle BL Michael Bergelin (309) 275-4786 1/14/12 11:00-12:00 $179,900 608 N Washington Hudson Anne Bliss (309) 825-2663 1/14/12 10:30-12:00
$134,900 508 S Mercer Ave BL Penny Wilson (309) 319-4008 1/14/12 12:30-2:00 $174,900 101 Grove Kappa Amanda Wycoff (309) 242-2647 1/14/12 1:00-3:00
$124,900 903 E Walnut BL Amanda Wycoff (309) 242-2647 1/15/12 1:00-3:00
FOR A COMPLETE LIST OF
AREA HOMES PLEASE VISIT
CBHOA.COM1055624
www.PantagraphHomeMarket.com Pantagraph HOME MARKET, Friday, January 13, 2012 5
Our Only Business is Quality Service
Team Production LeadersIndividual Production Leaders
Because we care...We make a difference
Call 309-664-3505 for more information or visit www.cbhoa.com
Heart of AmericaREALTORS® , LTD
1056068
Production Leaders for December
Deb Connor &Jim Schilkoski
John Armstrong Team
Bev Virgil & Tiffany Nord Joe Lane &Joey Lane
Jeff Hansen & Katrina Hansen
Greg Zavitz &Steve Forrest
The Jack BataoelHome Selling Team
Anne & Kindi Bliss Greg Yount
Don & LornaRay
Joe HarrisonMichael Campbell
Mark Haeffele
Noelle Burns
Bina Todi
MattZenor
Donna Epperson
Liliana Taimoorazi
Doug Gerig
Mike Flynn
Caroline Bird
Lisa Lockenvitz
JimmyMapugay
Amanda Wycoff
PennyWilson
Lynn Lister
Lisa Lyle
BeckyScholl
ChuckMontgomerie
Anne Fleer
MarvinSandel
Matt Felumlee
JoySzmaj
JulieNoble
DanHighland
Kathy O’Brien Boston
KimJackson
BarryHammer
Ginni Schori
GaryTrembley
MiltEmerson
Mike Bergelin
Kacie Rodriguez-Hall
Georgean Fish
Gerry Wahlheim
JohnCollins
John Fox
Laurie Christensen
MelanieWalker
Pantagraph HOME MARKET, Friday, January 13, 2012 www.PantagraphHomeMarket.com6
Minier. Very nice 3 units, park-ing for 1 in drive and on street parking for others. $75,000
MULTI-FAMILY UNIT
West Bloomington. Spacious Home. Was a duplex. All utilities could be separate but is used as single family home. $47,500
Town and Country. This house is one with fantasctic po-tential! Includes a newer kitchen. $99,900
#0041
1055
628
2012 Coldwell Banker Residential Real Estate. Some offi ces Independently Owned and Operated.
Heart of AmericaREALTORS® , LTD
GeorgeanFish.realtor.com
Georgean Fish Broker/Associate,
ABR, CRB, CRP, CRS, GRI
309-825-7355
Call 1-309-661-7070for full details of each home!
Gaelic Place. Fantastic California ranch. 4 Seasons room, beautiful corner fi replace, cathedral ceilings, backs to park. $199,900
SOLDEl Paso Golf Course. Huge bedrooms. Overlooks the 14th green. 1st fl oor master suite. Oversized garage. 3 car garage. $239,900
#0048
Lakeview Condos. Great up-per unit, Huge deck, 2 sliding glass doors, Brick fi re place, LG living area. $70,000
SOLD
Country Club Place. Elegance in 5 bedroom home on an acre lot, 14 rooms, 3 fi replaces, hardwood fl oors throughout, 5 car garage. $649,900
#01725
Unitersity Park. First fl oor 4 seasons room, Large 5 bedroom with hardwood fl oors. 2 decks, patio. $144,900
#0721
SOLD
Ridgewood. Unique architec-ture/details in this 4 bedroom, 3 bathroom ranch home. Hardwood fl oors. $259,900
#0037
Rollingbrook South. Huge Master bedroom, very spacious 4 walk-in closets counters in 1/2 bath new in ‘11. $189,900
#0039
Lakeside. Lots new. High effi ciency furnace and a/c , light fi xtures, paint, all stainless appli-ances, fenced yard. $84,900
#0687
South Bloomington. Very cute home with lots of updates including a whole new bath. This one won’t let you down! $77,900
#0746
Heyworth, IL. Fantastic ranch with top of the line 4 seasons room. Looks fresh and ready to go. New water heater. $157,900
#0043
1055762
R U INTERESTED IN A $10,000 FORGIVEABLE LOAN?
• If you are a veteran, active military personnel, reservist or Illinois National Guard Member, you may qualify for this down payment and closing cost assistance
• Veterans need not be First Time Buyer • Applies to 1-2 Unit Residential Properties
FOR MORE INFORMATION, CONTACT ANNE OR DAVE TODAY! 2012 is a great time to purchase a home
Anne Fleer Broker, GRI (309) 826-2178 Cell [email protected] www.annefleer.com
David Usiak Senior Loan Officer (309) 664-7029 [email protected] www.mortgageservices3.com
Down Payment Assistance
Closing Costs
1056087
www.PantagraphHomeMarket.com Pantagraph HOME MARKET, Friday, January 13, 2012 7
DENNIS ALEXANDER ..........242-8836FLOYD APER .........................275-0996PETE BLANDFORD ...............825-4979DAN BLEVINS .......................531-3565SEAN BOZARTH ...................261-1302TERRY BRADY ......................531-0282CANDY FOSTER ...................838-1032LARRY FOSTER ....................824-2700
CAROL HINSHAW ................261-0097MARK LIPIC ..........................310-8620MIKE MANAHAN .................275-0215JIM MORISSETTE .................242-7764RICHARD NEWBERRY.........287-6424DARIN PARKER ....................287-0838 DONNA PEARSON ...............706-4429ANN ROSENFELD ................825-6438
JERRY SCHELFAUT ..............212-0828JO SHOEMAKER ...................825-3692JULIE SLAYTON ....................826-4755BEN SNYDER ........................826-1817JOE SWEENEY ......................826-4755VICKIE TUTTLE ....................825-7021 SUE WATSON ........................242-1301WAYNE WHITE .....................530-5494
1055620
2409 E. Washington, Suite A, Bloomingtonwww.C21AperRealty.com
309-664-4455
406 Blair, Normal$144,900 • MLS# 2113319Mike Manahan 275-0215
OPEN SUN. 1-3
1324 Sherman, Bloomington$133,900 • MLS# 2113938
Larry & Candy Foster 824-2700
OPEN SAT. 12-2
3515 Cornelius #206, Bloomington$87,900 • MLS# 2113971
Joe Sweeney 826-4755
8 Scofi eld, Bloomington$288,900 • MLS# 2111770
Jerry Schelfaut 212-0828
OPEN SAT. 1-3
1055621
Come see the distinguishable difference of Horizon Homes!Steve BaughPresident, MBA, REALTOR®
©2012 Prudential Financial, Inc. and its related entities. An independently owned and operated broker member of Prudential Real Estate Affi liates, Inc., a Prudential Financial company. Prudential, the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its
related entities, registered in many jurisdictions worldwide. Used under license. Equal Housing Opportunity.
2275 Chase • $227,900Directions: Northtown Rd to N on Boulder,
follow signs
OPEN SUN. 1-2:30
1819 Setter • $194,000Directions: Raab Rd, North on White
Chapel, follow signs
OPEN SAT. 10:30-12
218 Springdale • $214,900Directions: 51 S to E on Woodrig, R on
Breezewood, follow signs
OPEN SAT. 10:30-12
2907 Bardwell • $193,000Directions: 51 S to E on Woodrig, R on
Breezewood, follow signs
SOLDSOLD
Saturday: Cedar Ridge Sunday: Pheasant Ridge
Please Visit!
1006978
Legend: The rate and annual percentage rate (APR) are effective as of 1/9/12. © 2012 Bankrate, Inc. http://www.interest.com. The APR may increase after consummation and may vary. Payments do not include amounts for taxes and insurance. The fees set forth for each advertisement above may be charged to open the plan (A) Mortgage Banker, (B) Mortgage Broker, (C) Bank, (D) S & L, (E) Credit Union, (BA) indicates Licensed Mortgage Banker, NYS Banking Dept., (BR) indicates Registered Mortgage Broker, NYS Banking Dept., (loans arranged through third parties). “Call for Rates” means actual rates were not available at press time. All rates are quoted on a minimum FICO score of 700. Illinois Mortgage Licensee. Conventional loans are based on loan amounts of $165,000. Jumbo loans are based on loan amounts of $435,000. Points quoted include discount and/or origination. Lock Days: 30-60. Annual percentage rates (APRs) are based on fully indexed rates for adjustable rate mortgages (ARMs). The APR on your specific loan may differ from the sample used. Fees reflect charges relative to the APR. If your down payment is less than 20% of the home’s value, you will be subject to private mortgage insurance, or PMI. Bankrate, Inc. does not guarantee the accuracy of the information appearing above or the availability of rates and fees in this table. All rates, fees and other information are subject to change without notice. Bankrate, Inc. does not own any financial institutions. Some or all of the companies appearing in this table pay a fee to appear in this table. If you are seeking a mortgage in excess of $417,000, recent legislation may enable lenders in certain locations to provide rates that are different from those shown in the table above. Sample Repayment Terms – ex. 360 monthly payments of $5.29 per $1,000 borrowed ex. 180 monthly payments of $7.56 per $1,000 borrowed. We recommend that you contact your lender directly to determine what rates may be available to you. To appear in this table, call 800-509-4636. To report any inaccuracies, call 888-509-4636.
LENDERS, TO PARTICIPATE IN THIS FEATURE CALL BANKRATE.COM @ 800-509-4636
omCheck rates daily at http://pantagraph.interest.com
Pantagraph HOME MARKET, Friday, January 13, 2012 www.PantagraphHomeMarket.com8
WHAT IS YOUR BANK’S CREDIT RATINGIs your bank creditworthy?Banks naturally take a keen in-
terest in borrowers’ credit scores. But should bank customers be con-cerned about whether the bank has good credit?
The simple answer is most con-sumers don’t need to worry about a bank’s credit rating. But beyond that, the issue gets more compli-cated. You can check bank ratings on Bankrate.com to see where your bank stands.
A credit rating is a measure or estimate of the likelihood a cor-poration will default on its debts, according to Keith Leggett, vice president and senior economist at the American Bankers Association, a bank trade group in Washington, D.C. Ratings agencies such as Stan-dard & Poor’s, Moody’s Investors Service and Fitch Ratings issue these credit ratings for corporations and corporate debt.
Ratings agencies use letter grades or other ranking systems to indicate creditworthiness. Credit ratings aren’t an exact science. Rather, they’re an opinion based on histori-cal and forward-looking informa-
tion about a corporation and its business environment, according to the Standard & Poor’s “Guide to Credit Rating Essentials.” Ratings are relative, not absolute, and none is a guarantee.
“For example, a corporate bond that is rated ‘AA’ is viewed by the rating agency as having a higher credit quality than a corporate bond with a ‘BBB’ rating. But the ‘AA’ rat-ing isn’t a guarantee it will not de-fault, only that in the agency’s opin-ion, it is less likely to default than the ‘BBB’ bond,’” the guide states.
Ratings also can be grouped into two broader categories: investment grade and noninvestment grade, Leggett says. A bank that gets a non-investment grade rating, sometimes known as a “junk” rating, is more likely to be “really troubled,” he says.
Most bank customers don’t need to be concerned about a bank’s cred-it rating for one good reason: deposit insurance backed by the U.S. gov-
ernment through the Federal Deposit Insurance Corp., or FDIC.
“For retail bank customers, (a credit rating) should be a nonissue because they have deposit insurance, and their funds aren’t at risk,” Leg-gett says.
FDIC insurance protects all bank deposit accounts up to $250,000 per depositor, per insured bank for each account ownership category, according to the FDIC. In some situations, depositors may have ad-ditional coverage, which is subject to federal law and FDIC requirements.
Those who have a sizable open-ended loan, such as a home equity or business line of credit, might be aff ected if a bank’s creditworthiness slumps. That’s because troubled banks typically need to preserve capital and improve liquidity, two aims that don’t mesh well with big new loans, Leggett says.
“If a bank has slipped into a junk investment rating, a lot of times it isn’t going to be in a position to ex-tend credit,” he says. “An institution in that situation probably would be-gin to start to rein in its credit lines.”
A troubled bank also might be in
cost-cutting mode, aff ecting cus-tomers in less-direct ways.
“(The bank) may begin looking at closing unprofi table branches and laying off employees. Those would be responses, especially if (the bank has) fundamental credit problems,” Leggett says.
Bert Ely, a banking consultant with Ely & Co. in Alexandria, Va., also says customers who have a “substantial borrowing position” with a bank might want to keep tabs on that bank’s fi nancial condition.
But Ely also warns credit ratings are “notoriously inaccurate.” He says borrowers “shouldn’t put too much faith in them.”
“Ratings are based on historic information with some projection of trends. But sometimes the informa-tion isn’t good, and the projections are just that,” he says. “Not that rat-ings should be totally disregarded, but they’re not articles of faith and should not be treated as such.”
The Securities and Exchange Commission recently issued its fi rst-ever regulatory report about credit rating agencies. Focusing on 10 large agencies known as “nation-
ally recognized statistical rating organizations,” or “NRSROs,” the report identifi ed a number of con-cerns. Some of those included “ap-parent failures in some instances to follow ratings methodologies and procedures, to make timely and ac-curate disclosures, to establish ef-fective internal control structures of the rating process and to adequately manage confl icts of interest.”
The report also noted that “in some cases, the NRSROs have al-ready taken steps to address such concerns.”
One other limitation is credit rat-ings don’t detect bank fraud, mean-ing that can be a risk for customers, even if the bank has a high rating, Ely says.
“Fraud is a cause of failure in small banks,” Ely says. “We’ve seen a number of these situations over the years when banks looked perfectly healthy on the outside and didn’t have credit quality problems, and suddenly internal fraud was discov-ered and the bank would fail.”
892495
Marcie GeffnerBankrate.com
1055629 1055283
www.PantagraphHomeMarket.com Pantagraph HOME MARKET, Friday, January 13, 2012 13
These McLean County real estate transfers were fi led in the offi ce of the McLean County Recorder of Deeds, ending Nov. 4, 2011. Sale prices are those indicated on the real estate transfer declarations.
Bloomington 336 E. Baker St., G. Michael Bia-
nucci, d/b/a Tangent Enterprises, to Rebecca L. Berry, $57,500.
10 Yew Court, Pamela Jo Silkwood to Nichole Richards, $115,500.
3 Pembrook Circle, James L. and Danell K. Moberly to James C. Liston, $193,500.
2107 Woodbine Road, WHR Group to Nathan J. and Sara A. Taubee, $455,000.
1109 Colton Ave., JD and Jessica Dudgeon to John and Janet Couil-lard, $105,000.
1232 Townley Drive, Margaret C. Mammenga Estate, by Dennis P. Mammenga, executor, to William R. and Jill L. West, $103,000.
2505 Newport Dr., The Estate of Karen D. Kaehlert, James B. Kaehlert, executor, to Chris Evans, $160,000.
2904 Coventry, Kerrin Phillips to Dora Marcello, $152,000.
2 Rachel Court, Stephen and Michelle Ludwig to Kenneth B. Graham Jr., $188,000.
3210 Wisteria Lane, James and Kath-leen Pagana to David and Mardell Wilson, $348,000.
54 Vermont, Chelsea Yontz, n/k/a Chelsea Duke, to Terry Stevens, $127,000.
1415 W. Mulberry St., Darlene Smith to Lidia Salto Herrera, $15,000.
1417 W. Mulberry St., Gloria A. Artis and Darlene Smith to Joe Jarvis, $16,000.
107 Christian Louis Court, Norma Oberholtzer to Martin V. and Patsy J. Oman, $174,000.
1 Ethell Parkway, J. Michael Grosso, trustee, to Terry and Angela Boyd, $116,000.
1310 Staghorne Way, Doud Land
Development Inc. to James L. and Mary K. Baietto, $287,670.
12 Rock Garden, No. 2, Jenny Li, n/k/a Jenny Fowler, to John R. Farmer, $160,000.
1301 Shaunessey Drive, Franke Construction Partnership, LLC, to Brian and Shannon Aussieker, $259,000.
2108 Ridge Creek Drive, B.J. Arm-strong Inc. to Lemons Construction Co., $40,000.
2202 Gravenhurst, James R. Lindsey to Mark Judson, $171,000.
9 Reading Road, John and Elizabeth Moss to Drew Zagaroli, $148,000.
1419 Ridgeport, Jonathan D. and Megan R. Hunt to Ramon Nelson and Latoya A. Bell, $126,000.
2 Pendelton Way, Donald and Kath-erine Hubbard to Thomas M. and Lyndi J. Hundman, $299,500.
200 N. Bellemont Road, Robert H. Davis Martial Trust to City of Bloomington, $2,100.
3416 Fountain Lake Drive, Timo-thy D. Reeser to Patrick Pfi ster, $150,000.
Normal1100 N. School St., Betty Bennett
to Charles and Joann Nottingham, $120,000.
1509 Ensign, Units A and B, Patricia Sue Miller to Robert Fisher and Beverly Roberts, $143, 000.
1410 River Landing, WHR Group Inc. to Kyle A. and Joy A. Hershberger, $140,000.
708 Normal Ave., The Gilmore Family Trust to Katrin Paehler, $157,000.
1 Timberview Dr., Matthew E. Rupert
to Chris Kokotek, $140,000.
1211 Blue Bill Way, Joseph H. Liu and Yue Hua Wu to Koteswara Rao Panguluri, $154,600.
2701 N. Towanda Ave., Sam and Ruth O. Pittmon to Luke and Ashley Zeller, $320,000.
215 Arlington, Jeffrey L. and Laurie M. Swartz to John J. Bussan, $152,000.
1100 Chippewa St., Christopher Mies and Misti Walsh-Mies to John Hunt, $135,500.
30 Knollcrest Court, Donna Jo Work-man Trust to Stephen J. Stapleton, $135,000.
504 Maple Place, Martin L. O’Connor, trustee, to Daniel and Jennifer Schuetz, $131,500.
1724 Flagstone Drive, Franke Construction Partnership, LLC, to William R. and Barbara A. Morgan, $223,850.
1875 E. Raab Road, Franke Construc-tion Partnership, LLC, to David E. Le Grand, $172,000.
1762 Lockspur Way, Evergreen Vil-las, LLC, to Paul M and Sandra D. Harmon, $335,458.80.
1103 Bakewell Ave., Linda S. John-son to Kahla Crackel, $106,000.
3400 Horse Creek, Derek W. Feldman to Johnna McDonnell, $169,000.
Allin202 S. Division St., rural Stanford,
Heartland Bank and Trust Company to Tyree Campbell, $18,000.
508 W. North, rural Stanford, Roger E. Phelps II to Jorja A. Molnar Trust, $3,100.
ArrowsmithParcel Nos. 24-32-100-002, 24-
32-200-001, 24-32-100-003, rural LeRoy, Adams Land Corp. to Champaign County Farms, LLC, $1,326,750.
Chenoa603 E. Mill St., Stephen Kelleher to
Jeff Todd, $14,018.
Dawson401 N. Main St., rural Ellsworth, Lau-
ritson Family Trust to Josh Hibbard and Michelle Landa, $88,000.
Danvers18969 Tomahawk Trail, Scott G. and
Suzann M. Colthurst to Thomas B. Shrum, $215,000.
21192 North 500 East Road, rural Carlock, Russell Perry to Weich-ert Relocation Resources Inc., $408,500.
21192 North 500 East Road, rural Carlock, Weichert Relocation Resources Inc. to Jeffrey J.Mayer, $385,000.
Dry Grove31 Cloverhill Circle, rural Bloom-
ington, David M. and Mardell A. Wilson to Richard and Mariam Law, $335,000.
Parcel No. 13-34-301-016, rural Bloomington, Doris Henderson to Jeffry L. and Sandra K. Simpson, $10,000.
Empire27199 Golden Acre Drive, rural
LeRoy, Benjamin F. Whitted, trustee, to Janet and John L. Stein, $184,000.
711 N. Hemlock, rural LeRoy, John Schraufnagel to Justin Kluever and Sarah Murphy, $114,500.
Lexington109 S. Pine St., Dennis D. Ballinger
to Norman A. Hiser, $10,000.
Parcel No. 09-07-326-029, Prairie Ridge Drive, Lexington II, LLC, f/k/a Lexington Partnership, by Hundman, to Bart and Katie Flach, $38,500.
Money Creek23502 Tuttle Lane, rural Lexington,
Michael H. Tuttle to Joshua D. and Julie A. Hardt, $145,000.
Randolph202 N. Newell St., rural Heyworth,
Erik Hanks and Stacy Hanks, f/k/a Stacy Ammerman, to Evan Moss, $84,000.
207 S. Buchanan St., rural Heyworth, Estate of A. Roberta Thomas, de-ceased, George R. Flynn and Karen Osolin, co-executors, to Thomas W. Bunn, $48,000.
300 Trotter Drive, rural Heyworth, Carrol and Janet Grant to Flint and Theresa Ory, $166,000.
Parcel No. 35-03-176-003, rural Hey-worth, Sarbjit Jhattu and Talwinder K. Gill to Marvin E. and Shelley R. Finfrock, $350,000.
Towanda3615 Tahoe Court, rural Normal,
The Trails on Sunset Lake, LLC, to Mark A. and Karen L. Oostman, $160,050.
WestCounty Highway 40 and 3500 East
Road, rural Arrowsmith, Lou Ann Benson to Edward Peterson, $636,704.
County Highway 40 and 3500 East Road, rural Arrowsmith, Terry Bai-ley to Edward Peterson, $636,704.
County Highway 40 and 3500 East Road, rural Arrowsmith, Kay Bailey-McAdow to Edward Peterson, $636,704.
County Highway 40 and 3500 East Road, rural Arrowsmith, Ken-neth Bailey to Edward Peterson, $636,704.
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#1 Brickyard Drive, Bloomington, IL 309-663-7653 • 1-800-432-6971
©2012 Prudential Financial, Inc. and its related entities. An independently owned and operated broker member of Prudential Real Estate Affi liates, Inc., a Prudential Financial company.Prudential, the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. Used under license. Equal Housing Opportunity. 1055625
CindyRanney
• Congratulations to our December Sales Leaders •
MeenuBhaskar
Mark BowersREALTOR® of the Month
The Cindy Eckols TeamTeam of the Month
The Cindy Eckols TeamSales/Volume Team Leader
Will GrimsleyListing/Sales Leader
Mark BowersVolume Leader
The Larsen TeamListing Team Leader
DenaSwigart
JillWest
The Brown Team
The Albee Team
The Hutson Team
The House Hunters
TomKrieger
AnnBaugh
DanKniery
MattMoore
SarahMarshall
DottyMitchell
GinaCollings
MarianneKaisner
TroyDunker
AmandaCapodice
MikeHarmon
Sandi Arnold
Svetlana Harrell
DanitaPunke
RickJebb
MaryLove
JaniceVan Hook
SherriMasters
KarenStailey-Lander
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The Char Huff TeamMillion Dollar Producer
The Haas SistersMillion Dollar Producer
Becky HuizerMillion Dollar Producer
www.PantagraphHomeMarket.com Pantagraph HOME MARKET, Friday, January 13, 2012 15
1 Brickyard Dr., Bloomington, IL | 309-663-7653 or 1-800-432-6971 | www.prusny.com
Watch Videos & Slideshows of Homes at www.PruSny.com
12 Strawberry , Bloomington – Sat. 1:00-3:00 .............. $414,900Elegant 5 bedroom 4 1/2 bath family home in H2. Beautiful hardwood in custom kitchen and family room. Large master suite majestic stairway nice granite counters Jack and Jill bath basement “man cave” with space for pool table and theatre viewing also 5th bedroom and full bath.Hosted By Dave Musick 309-287-5075 2807 Radbourne , Bloomington – Sat. 1:00-3:00 ............ $409,900First Time Open!!! - Beautiful home that backs to trail and pond in Tipton Trails. 1st fl oor master, 3 bed up and large loft overlooks family room. Finished walk-out lower level with wet bar and theater room beautiful hardwood fl oors, gourmet kitchen with double oven.Hosted By Svetlana Harrell 309-533-3226 2801 Radbourne , Bloomington – Sat. 1:30-3:00 ............ $399,900Walkout ranch on the lake in Tipton Trails. Split master plan, 4 bedroom 3 1/2 bath. Awesome eat-in kitchen with quartz counter tops,and center island.Lower level has family room and wet bar. Amenities Galore!E on College, S on Biasi, right on Gailey, left on Radbourne Hosted By Mike Harmon 309-826-7014 3 Brookstone , Bloomington – Sat. 1:00-3:00 ................. $389,900Beautiful exterior of brick, stone & siding. Large lot. Finished basement. Distributive audio in 4 zones, Brazilian cherry fl ooring, maple cabinets & granite countertops. Ireland Grove Road to South on Don Bly, west Brookstone Circle.Hosted By Danita Punke 309-287-3593 57 Brookstone Circle , Bloomington – Sun. 1:00-2:30 .... $369,900Beautiful 1.5 story home! Open kitchen with quartz counters, all appliances remain. Large 2 story family room with fi replace. 4 bedrooms + 1st fl oor offi ce. 1st fl oor master suite. Whole house sound system with iPod dock in the master bedroom. Central Vacuum. Hosted By Mike Harmon 309-826-7014 3601 Baywood , Bloomington – Sat. 10:00-12:00/Sat. 12:00-2:00 $359,900East on GE Rd to left on Woodbine.Right on Baywood to home.Incredible 5 bedroom home in Hawthorne2. 1st Floor master suite.Oversized & heated 3 car garage.Gorgeous 4 seasons room overlooking huge backyard with lots of trees &landscaping.Full basement with daylite windows& bathHosted By Dena Swigart/Margie Simmons 309-825-2194/309-531-2477 3720 Helen , Bloomington – Sat. 10:30-12:00 ................ $314,900Reduced $15,000! A stylish unique home on large corner lot. Many updates! Must see!Hosted By Mike Harmon 309-826-7014 2907 Hendrix Dr. , Bloomington – Sat. 10:00-12:00 ....... $299,900Unique property located on 4.87 acres on the south edge of Bloomington. Beautiful place for horses 6 stalls. Barn includes heated offi ce, large heated working area. Ranch home with open fl oor plan. 51 S to Woodrig E. to Hendrix Dr. Follow to end of Hendrix. Last House Hosted By Danita Punke 309-287-3593 211 Imperial , Bloomington – Sat. 1-3/Sun. 1-3 ............. $279,900Impeccable, all brick, one owner home in beautiful Fleetwood. Lots of up-dating. Main fl oor den could be 4th bedroom. 3 Seasons Room overlooking park-like yard. Home has nicely fi nished lower level with gas fi replace and lots of storage. (North on Towanda to Left on Imperial)Hosted By Kim Filkin/Valerie Curry 309-838-5613/309-319-0565
3209 Yorkshire , Bloomington – Sat. 10:00-11:30/Sun. 1-3 .. $249,900First Time Open. Two story in desirable Oakridge with neighborhood pool and tennis courts. All appliances remain in large eat-in kitchen with granite countertops. Tiled foyer and fresh paint throughout. Updated baths. Whirl-pool in master bath. Finished lower level and screened porch.Hosted By Ed Larsen/Svetlana Harrell 309-275-3545/309-533-3226 2815 Chesapeake , Bloomington – Sat. 1:00-2:30 .......... $222,900Great 4 bedroom home in Eagle Crest. Enter into 2 story foyer and vaulted living room. Large family room with fi replace and open kitchen. Large privacy fenced back yard. Finished basement with offi ce, family room, and large storage room as well as a 1/2 bath.Hosted By Greg Lee 309-824-5011 218 Springdale , Bloomington – Sat. 10:30-12:00 .......... $214,900New, spacious 4 bedroom home! Kitchen with island, pantry. Master with big walkin closet, no backyard neighbors, $5000 credit available if quali-fi ed. South on Main, East on Woodrig, South Breezewood, to SpringdaleHosted By Steve Baugh 309-275-1171 1230 E. Washington , Bloomington – Sat. 10:00-3:00 .... $203,900Dream home french doors, all brick wood fl oors, 4 bedroms plus. Two &1/2 BATHS. Fenced yard. New radiant heat system. One of a kind.Hosted By Bev Edgerton 309-826-2101 4 Spruce Ct. , Bloomington – Sun. 1:00-2:30 .................. $199,900Nice neutral interior. All appliances remain including washer & dryer. Two bedrooms on main plus upper loft. Great master with walk-in, garden tub & separate shower. Convenient shelving in basement. Exterior maintenance,yard care & snow removal included in monthly fee. Must see.Hosted By Dotty Mitchell 309-830-1314 2907 Bardwell , Bloomington – Sat. 10:30-12:00 ........... $193,000Brand New by Horizon Homes! Sunny, open 3 bedroom ranch plan. Large kitchen, drop zone. Wood fl oor in kitchen and family room. Possible $5000 credit at closing.South on Main, Left on Woodrig, Right on Breezewood, Left on Springdale, Right on Bardwell Hosted By Ann Baugh 309-530-7148 23 Harwood Place , Bloomington – Sat. 10:00-12:00 ..... $169,900FABULOUS BRICK BUNGALOW in Founder’s Grove on a quiet street with antique street lights. Amazing charm with wonderful style, wood fl oors, arched doorways and built-ins. Beautifully updated kitchen and bath. Oversized 2-car garage. Finished family room in lower level. $179,900Hosted By Jill West 309-838-8285 209 Fairway Drive , Bloomington – Sat. 10:00-12:00 ..... $154,900Lovely all brick ranch home on large lot in Fairway Knolls with mature landscaping. Two large bedrooms and two full baths. Impressive stone fi replace with gas log. Interior has been recently painted and carpets cleaned. Newer roof. Ready to move right in.Hosted By Dave Musick 309-287-5075 1412 Inglewood , Bloomington – Sat. 10:30-12:00 ........ $153,500 Wonderful Ranch (no steps) condo in popular Crosswinds. 2 bedroom, 2 full baths, Quartz countertops, sink, faucet, garbage disposal, carpet, tile in kitchen & baths, interior paint & garage door in last 3 years, Directions: GE Road East to InglewoodHosted By Gene Agnew 309-530-0473 1105 Andover , Bloomington – Sun. 12:00-2:00 ............. $148,9003 Bedroom Ranch with 3 Season Room off of the kitchen. Large family room with fi replace. Family Room in lower level with movable bar for en-tertaining. Laundry room and workshop area and storage area in the lower level all have vinyl fl ooring. 1 block to Constituion Trail.Hosted By Jean Hutson 309-825-5707
41 Brandywine Ct. , Bloomington – Sat. 10:00-11:30 ..... $119,900Ground level unit/no stairs. Three bedrooms and two full baths. Screened porch. Updated throughout with fresh paint and new carpeting. Annual fee covers snow removal, lawn care, garbage, water, sewer, and exterior maintenance.Hosted By Vickie Larsen 309-310-5910 1010 N. Livingston , Bloomington – Sat. 12:00-1:30 ........ $95,000Charming home, hardwood fl oors, wood trim/rosettes. Remodeled kitchen and bath. Last 10 years: new vinyl siding, furnace, A/C, water heater. Bath on each fl oor. Enclosed porch, patio, full basement, fenced yard, corner lot. Great house for money.Hosted By Sherri Masters 309-530-8833 331 E. Lincoln , Bloomington – Sat. 10:30-12:00 ............. $94,500Adorable ranch in East Bloomington, completely remodeled and updated. Beautiful Cherry Cabinets in kitchen. Refrigerator, range and dishwasher remain. Nice car port and 16x12 deck. Perfect for fi rst time home buyers, retirees or folks wanting to downsize.Hosted By John Albee 309-275-5646
2445 Chaffee , Normal – Sat. 10:00-12:00 ..................... $285,900First Time Open. Beautifully maintained custom ranch on large lot. Eat-in kitchen with built-in bar, gorgeous cabinetry & stainless steel appliances. Sunroom with tiled fl ooring overlooks countryside. Daylite windows in lower level featuring family room, bedroom, & full bath.Hosted By Svetlana Harrell 309-533-3226 1311 Berkley , Normal – Sat. 12:15-1:30 ........................ $259,900Welcome to Paradise! This 4 Bed., 2.5 b immaculate home was featured in the 2010 Garden Walk due to its incredible backyard setting. Enjoy tons of perennials, a custom paver patio, covered pergola, fountain and lots of privacy. Ready to relax or entertain! This home is georgeous!Hosted By Jim Sikes 309-824-1315 1718 Liston , Normal – Sat. 1:00-2:30 ............................ $235,000Custom built 2 story on private cul-de-sac. Kitchen with granite counters & double ovens. Beautiful hardwoods on entire main. Large rooms including 5 bedrooms -3 1/2 baths. Beautiful fenced yard with sprinkler system. Finished lower was built to meet preschool requirements. Hosted By Dotty Mitchell 309-830-1314 1819 Setter , Normal – Sun. 1:00-2:30 ........................... $194,000New construction by Horizon Homes! Bright and sunny interior of split bedroom ranch. Open fl oor plan includes drop zone, kitchen with island. Come visit! Adorable! Raab to N on White Chapel, L on Covey, R on Setter.Hosted By Steve Baugh 309-275-1171 1003 Porter Lane , Normal – Sat. 12:00-1:30 ................. $168,900First Time Open. All brick ranch on a large, beautifully landscaped lot. 14x10 enclosed three season room overlooks fenced back yard. Main level family/hearth room. Two woodburning fi replaces with gas logs. Completely remodeled bathrooms. Newer carpet. Main level laundry.Hosted By Ed Larsen 309-275-3545
BLOOMINGTON OPEN HOUSES
©2012 PRUDENTIAL FINANCIAL, INC. AND ITS RELATED ENTITIES. AN INDEPENDENTLY OWNED AND OPERATED BROKER MEMBER OF PRUDENTIAL REAL ESTATE AFFILIATES, INC., A PRUDENTIAL FINANCIAL COMPANY. PRUDENTIAL, THE PRUDENTIAL LOGO AND THE ROCK SYMBOL ARE SERVICE MARKS OF PRUDENTIAL FINANCIAL, INC. AND ITS RELATED ENTITIES, REGISTERED IN MANY JURISDICTIONS WORLDWIDE. USED UNDER LICENSE. EQUAL HOUSING OPPORTUNITY. 1055928
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NORMAL OPEN HOUSES
Pantagraph HOME MARKET, Friday, January 13, 2012 www.PantagraphHomeMarket.com16
Welcomes...Welcomes...Lea Ann Waugh
Prudential Snyder Real Estate is happy to announce that Lea Ann Waugh has joined our team of Real Estate Professionals.
Rest assured, whether Buying, Selling, Relocating or New Construction, Lea Ann will employ her 12 years of real estate expertise with aggressive marketing strategies, skilled negotiating, home staging and local market comparisons to all of her clients.
Lea Ann’s clients agree, “Whether you are buying or selling your home and you desire a Realtor who exceeds your expectations, listens to your needs and possesses a creative, positive and friendly attitude, Lea Ann Waugh is the Realtor For You!”
Lea Ann Waugh (309) 531-1980
[email protected] ©2012 Prudential Financial, Inc. and its related entities. An independently owned and operated broker member of Prudential Real Estate Affi liates, Inc., a Prudential Financial company. Prudential, the
Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. Used under license. Equal Housing Opportunity.
Welcomes...Welcomes...Mary Weber
“Finding the Right Fit”Prudential Snyder Real Estate is pleased to announce that Mary Weber will be joining our team of sales professionals. As a realtor/broker, Mary offers over 8 years of professional experience in selling real estate in Bloomington, Normal and the surrounding markets.
As a veteran agent, Mary has successfully helped people achieve their real estate goals in everything from buying and selling to relocation and resizing needs. She has a proven track record of success in our community and clients appreciate not only her knowledge of the local market, but her willingness and ability to listen to their wants and needs.
Mary is confi dent that Prudential Snyder Real Estate is a leader in our community and will provide only the best in resources and technology to help her achieve results for you!
If you are considering a move and want experience, honesty and integrity, and the best resources available in the market, give Mary a call today!
Mary Weber(309)242-1375
[email protected]©2012 Prudential Financial, Inc. and its related entities. An independently owned and operated broker member of Prudential Real Estate Affi liates, Inc., a Prudential Financial company. Prudential, the
Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. Used under license. Equal Housing Opportunity. 1055931
Watch Videos & Slideshows of Homes at www.PruSny.com
1 Brickyard Dr., Bloomington, IL | 309-663-7653 or 1-800-432-6971 | www.prusny.com©2012 PRUDENTIAL FINANCIAL, INC. AND ITS RELATED ENTITIES. AN INDEPENDENTLY OWNED AND OPERATED BROKER MEMBER OF PRUDENTIAL REAL ESTATE AFFILIATES, INC., A PRUDENTIAL FINANCIAL COMPANY. PRUDENTIAL, THE PRUDENTIAL LOGO AND THE ROCK SYMBOL ARE SERVICE MARKS OF PRUDENTIAL FINANCIAL, INC. AND ITS RELATED ENTITIES, REGISTERED IN MANY JURISDICTIONS WORLDWIDE. USED UNDER LICENSE. EQUAL HOUSING OPPORTUNITY.
2005 Marina , Normal – Sat. 10:30-12:00 ...................... $145,900Super cute! This 3 bed, 2 bath, 2 car garage zero lot line home has so much to offer at such a great price! Main fl oor master, main fl oor laundry, vaulted ceilings, two story living room, and so much more. A great price!! This one won’t last long!!Hosted By Jim Sikes 309-824-1315 1200 Maplewood Dr. , Normal – Sat. 10:00-12:00 .......... $142,500Ranch with 3 bedrooms - Bath on fi rst fl oor and lower level. Wood Floors, new vinyl in kitchen. Finished family room in lower level with bar and pool table. Convenient to Constitution Trail and shopping. TheHutsonTeam.com/2120019.Hosted By Jean Hutson 309-825-5707 1403 Montgomery , Normal – Sat. 11:00-12:30 .............. $141,900Terrifi c ranch in great neighborhood, extremely well-maintained, fully fi nished basement. Attractively priced at only $141,900. Call John at 830-6097 to see.Hosted By John A. Albee 309-830-6097 6 Robinwood Dr. , Normal – Sat. 10:00-12:00 ................ $137,500Spacious ranch-4 bedrooms-2 baths. Oversized tree shaded lot with no homes directly behind. Newer roof-windows-siding.Fireplace in living room. Hardwoods under most carpet. Nicely fi nished lower level. Large
shed for storage. Parking pad for additional car. A must see!Hosted By Dotty Mitchell 309-830-1314 1216 Jersey , Normal – Sat. 10:30-12:00 ....................... $136,6003 Bedroom, 1 1/2 bath with a 2 car garage. Refi nished wood fl oors throughout. Big back yard with privacy fence. New roof 2 yrs. ago. Great location!Hosted By Greg Lee 309-824-5011
309 N. Buchanan , Heyworth – Sat. 10:00-11:30 ............ $119,900Sharp 3 bedroom 1 1/2 baths 1400 SF ranch! Large rooms, eat-in kitchen, spacious living room. Master bedroom with a half bath. 2 Garages! Interior just painted!Hosted By Greg Girdler 309-826-9223 404 E. Main , Heyworth – Sat. 1:30-3:00 ........................ $114,500Nice 3 bedroom home with a large eat-in kitchen and many cabinets. Furnace and air were new in 2008, water heat and water softener 2008, washer 2008, dryer 2010. Some hardwood fl oors. Oversized 1 car garage. This home is located 1/2 block from the Grad School!Hosted By Greg Girdler 309-826-9223 202 S. Buchanan , Heyworth – Sat. 12:00-1:30 ................ $79,900Great starter home…2 bedrooms,updated kitchen And bath. Family room,
dining room and living room. Move-in condtion. 1st fl oor laundry. 24 x 32 heated garage with an enclosed lean-to behind it. Good location, close to schools, shopping, bank and post offi ce! Hosted By Greg Girdler 309-826-9223
SUBURBAN OPEN HOUSES
NORMAL OPEN HOUSES
www.PantagraphHomeMarket.com Pantagraph HOME MARKET, Friday, January 13, 2012 17
FEDERAL HOUSING ADMINISTRATION MAY NEED COSTLY TAXPAYER BAILOUTThe venerable FHA has helped
millions of Americans purchase a home, but its financial strength has dwindled since the nation's housing market began its long decline several years ago.
DEAR MR. MYERS: I heard an alarming report on the radio that said the federal government is planning to shut down the Federal Housing Administration. Is this true? My wife and I were planning to get an FHA loan this spring in order to buy our first home!
ANSWER: Don't worry. There currently are no plans to end the government's low-down-payment FHA mortgage program, but there's growing concern among lawmakers, regulators and economists alike that the venerable agency may need a massive taxpayer bailout to stay afloat.
The FHA does not make loans directly to buyers, but instead insures private-sector lenders against default. Because banks know that some or all of their losses will be covered if a loan turns sour, they're willing to issue
FHA-backed mortgages to borrowers who make a down payment as small as 3.5 percent.
The system worked well for more than seven decades, but the wheels started coming off the cart when home prices began their long decline several years ago. The FHA's insurance payouts to lenders soared as foreclosures mounted, and has now pushed its ability to pay future claims to an all-time low.
The agency likely will need a taxpayer-funded bailout of at least $50 billion in the next three to five years, according to Joseph Gyourko, a real estate professor at the University
of Pennsylvania's Wharton School and author of a new report titled "Is FHA the Next Big Housing Bailout?" More-conservative estimates suggest it would need about $20 billion to meet federally set requirements.
FHA officials believe that no bailout will be needed unless home prices drop another 4 percent to 5 percent and defaults continue to rise. But while some economists note that prices in many areas are showing signs of stabilizing, others say values could fall 5 percent or even more than 10 percent during the next few years, before they start rising again. So, only time will tell if taxpayers will get stuck with another big bill.
DEAR MR. MYERS: We installed some energy-efficient windows last year. The contractor who did the work said the new windows would qualify us for a federal tax credit, but my brother says the tax-credit program ended in 2010. Who's right?
ANSWER: The contractor is right. Although credits for making certain types of energy-saving improvements
were scaled back in 2011 from the previous year, the work will still save you some money when you complete your upcoming income tax return.
Credits are more valuable than tax deductions because every $1 in credits directly reduces your tax bill by the same amount. Deductions merely reduce the amount of income that's subject to taxes.
Most homeowners who made certain types of energy-saving improvements last year can take a credit worth 10 percent of the cost, up to a maximum of $500. Improvements that qualify include windows and doors, nonsolar water heaters and insulation. Many new metal and asphalt roofs also qualify, as do biomass stoves and most heating, ventilation and air-conditioning systems.
There's an important catch, though: If you have claimed the credit in the past, you might not be able to claim it now. That's because that $500 limit is the maximum credit allowed on all returns from 2006 through 2011.
For example, if you claimed a $400 credit on your 2008 return for the installation of energy-efficient doors, you can only get a $100 credit for the windows you installed last year.
Homeowners who installed geothermal heat pumps, residential turbines or solar-energy systems in 2011 can get even bigger tax breaks. They may qualify for a credit equal to 30 percent of the work, and there's no maximum.
Visit the Environmental Protection Agency's Energy Star website at www.energystar.gov for additional eligibility requirements, and also consult with an accountant or other tax expert. To get the credit, complete Internal Revenue Service Form 5696, Residential Energy Credits, and attach it to your return.
Also remember that many state governments and utility companies offer incentive programs that can boost the savings of owners who make energy-saving improvements. Contact state regulators and your local utilities to see if any are available.
892496
An Illinois Residential Mortgage Licensee #MB.0006190 Inlanta Mortgage is regulared by the State of Illinois Department of Financial and Professional Regulation, Division of Banking located at 122 S. Michigan Ave, Suite 1900, Chicago IL 60603. Phone #312-793-1409. Inlanta Mortgage NMLS#1016.
w w w . c e n t r a l i l l i n o i s m o r t g a g e . c o m
Apply Online at
www.centralillinoismortgage.com
Rebecca BergquistBranch ManagerMortgage Loan SpecialistMobile: [email protected]# 244829
Patty GilmoreMortgage Loan SpecialistMobile: [email protected]# 383829
Kim CoppejansMortgage Loan [email protected]# 272288
Michael [email protected]
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Come Visit Us at712 IAA Drive, Blm.
309-664-4400
Choosing the right mortgage company is just as important as choosing the right home for your family. The professionals at Inlanta Mortgage can help you select from a broad menu of fi nancing options.•VA/FHA/Conventional• No Mortgage Insurance• USDA Rural Development• No Closing Cost Options
1055
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Cindy Eckols532-1616
CindCind553553 Greg Lee
824-5011Jim Sikes824-1315824-1315
##1 Team in BLM/NL & McLean County for 2011!1 Team in BLM/NL & McLean County for 2011!
©2012 Prudential Financial, Inc. and its related entities. An independently owned and operated broker member of Prudential Real Estate Affi liates, Inc., a Prudential Financial company. Prudential, the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. Used under license. Equal Housing Opportunity.
www.CindyEckols.comwww.CindyEckols.com
TheThe Cindy Eckols Cindy Eckols TeamTeamOPEN SAT. 10:30-12
3720 Helen, BL · MLS#2111822 · $314,900Entire interior painted Sep. ’11! Large corner lot! Must see! 5 bed 3.5 bath.
Host: Mike Harmon 826-7014GE to Norma to Helen
OPEN SAT. 10:30-12
2005 Marina, NL · MLS#2113923 · $145,900 Super cute! This 3 bed, 2 bath, 2 car garage
zero lot line home has so much to offer at such a great price! Host: Jim Sikes 824-1315
College Ave to Parkside to Marina
OPEN SAT. 10:30-12
1216 Jersey, NL · MLS#2113139 · $136,600 Larger than it looks! Beautifully maintained!
Part. Finished basement with wet bar. 4 bed 2 bath. Host: Greg Lee 824-5011
Towanda to Jersey
OPEN SAT. 1-2:30
2815 Chesapeake Ln., BL · MLS#2113473 · $222,900Great 4 bedroom 2 full and 2 half bath home in Eagle Crest with a full fi nished basement is a
must see. Host: Greg Lee 824-5011 Airport Rd. to Eagle Crest, L on Chesapeake
OPEN SAT. 12:15-1:30
1311 Berkley, NL · MLS#2111758 · $259,900Drop dead gorgeous! Beautifully decorated. At-tention to all details.Host: Jim Sikes 824-1315
N on Parkside, W on Park West, S on Berkley
OPEN SUN. 1-2:30
57 Brookstone Ct., BL · MLS#2110912 · $369,900Beautiful 1.5 story home! Open kitchen with
quartz counters, all appliances remain. Large 2 story family room with gas fi replace.
Host: Mike Harmon 826-7014 East on Ireland Grove, South on Don Bly, East
on Brookstone Circle
For more details go to www.CindyEckols.com or scan the QR
code on your smart phone.
Pantagraph HOME MARKET, Friday, January 13, 2012 www.PantagraphHomeMarket.com18
1056065
www.PantagraphHomeMarket.com Pantagraph HOME MARKET, Friday, January 13, 2012 19
1056066
Interest Rates Interest Rates
are Loware LowCall today to refi nance or purchase a home!
MORTGAGE SERVICES III, LLC
Located in First State Bank--Corner of Hershey Rd. and Eastland Dr.
Mortgage Services III, LLCA Subsidiary of First State Bank Member FDIC
309-664-9100Apply Online! www.mortgageservices3.com
Suzi Nafziger(309) 275-7899
Mark Kimmerling(309) 826-7730
Dave Usiak(309) 825-2709
Bob Siebert(309) 825-2628
Grant Bellis(309) 275-LOAN
Deeda Williams(309) 825-1782
Mark Larsen(309) 664-7037
1055627
1055267
Eric ArmstrongMortgage Loan Offi cer
COMMERCIAL INVESTMENT PROPERTIES“Committed To Serving Your Commercial Real Estate Needs”
Consulting - Site Selection - Development - Brokerage - Investments - Marketing Analysiswww.SchrofCommercial.com
CARL & GREG SCHROF SCHROF COMPANIES, INC.Commercial/Investment Division
Registered Business Brokers • Member MBBI • (309) 825-0677 • (309) 825-0101“Selling your business is our business.” 1055619
★ FOR SALE COMMERCIAL LOTS, GOLDEN CENTRE, LEROY (Agent Interest-PRICES REDUCED!) ...................................... CALL FOR SIZE AND PRICING★ FOR LEASE - 1,055-1,400 sq. ft, 1531 Ft. Jesse Plaza (Retail/Offi ce/Multi-Use-High Traffi c Area - Could combine to 3,455 sq. ft.) .............................CALL★ Offi ce/Retail - 1,200-2,400 sq. ft., 510 IAA Drive. (Empire Plaza, Excellent eastside location - 3 Units available)......................................................CALL★ FOR LEASE - 1,200 sq. ft., 2424 East Lincoln (High Visibility to Veterans Parkway - Retail or Offi ce Use) ........................................REDUCED $1,500/mo.★ FOR LEASE - 1,284 sq. ft., 1310 E. Empire, BL (Retail/Multi-use, High traffi c area, free standing building) ......................................REDUCED $1,500/mo.★ FOR LEASE - 1,403 sq. ft., 211 Landmark Drive (Newly Refreshed Professional Space - Near Veteran’s Parkway) .......................................... $14.00/sq. ft.★ For Lease - 1,440 sq. ft., 211 Landmark Drive (Excellent Professional Offi ce - Near Veteran’s Parkway) ............................................................$1,550/mo.★ For Lease - 1,464 sq. ft., 211 Landmark Drive (Professional Offi ce - Possible Retail Use) ............................................................................... $14.00/sq. ft.★ FOR SALE/LEASE - 1,760 sq. ft, 1604 Visa Drive (Former Dental Offi ce, Reception/Open Area, Private Rooms) ...........................................................CALL★ For Lease - 1,802 sq. ft., 112 Boyenkins (Professional Offi ce - Veteran’s Exposure) .......................................................................................$10.00/sq. ft.★ For Lease - 2,000 sq. ft, Rt 9 West, (Warehouse with truck dock - 2 units available - Also 1300 sq. ft. at this location) ................................ $8.00/sq. ft.★ FOR LEASE - 2,200 sq. ft., 902 IAA Drive (1 block off Veteran’s-Possible Retail-Will Refresh) ........................................................................$10.00/sq. ft.★ For Lease - 2,500 sq. ft., 3703 Ireland Grove Road, (Prime Retail - With drive up window, Presently Coffee Shop - Many Uses) ................................CALL★ For Lease - 3,025 sq. ft., 2303 E. Washington St., Prime Retail, corner of Veteran’s Parkway and Washington (Triple Net Lease) ................ $12.00/sq. ft.★ FOR SALE - 3,600 sq. ft., I-55 & PK Keller Hwy., Lexington, IL (Insulated Building on 1.16 acres - Man Cave) ...................................................... $252,000★ For Lease - 3,715 sq. ft., 2303 E. Washington (Prime Retail Space in strip center-Triple Net Lease-Veteran’s Exposure)............................... $12.00/sq. ft.★ FOR SALE - 3,990 sq. ft., 703 N. Clinton, BL (Retail/Multi-Use, Full Basement, Free Standing Building) ...............................................................$275,000★ FOR LEASE - 5,400 SQ. FT., 1319 VETERANS PARKWAY (PROFESSIONAL OFFICE SPACE - WILL DIVIDE) ........................................................ REDUCED★ FOR SALE/LEASE - 5,500 sq. ft, 208 E. Pine, NL, Zoned B-1 (Located on old Route 66 - Recently updated - Buyer Motivated!) .....................PENDING
★ FOR LEASE - 7,440 sq. ft., 902 IAA Drive (Great Retail/Offi ce Site, Veteran’s Exposure-Loading dock) ..........................................................$10.00/sq. ft.★ FOR SALE - 7,453 sq. ft., 210 Williamsburg, BL (Great east side location on 35,693 sq. ft. of land) .................................................................... REDUCED★ FOR SALE - 1.27 Acres, Rt. 51 South (Great for commercial development)...........................................................................................REDUCED $180,000★ FOR SALE - 2.75 ACRES, CORNER OF IRELAND GROVE AND TULLIMORE (WILL DIVIDE, FAST GROWING EAST SIDE LOCATION) .............$7.00/SQ. FT.★ FOR SALE OR LEASE - 12,400 SQ. FT., 2812 TRACTOR LANE, ON 5.29 ACRES, JUST OFF I-74 - EXCELLENT BUSINESS SITE - REDUCED ........... CALL★ INVESTMENT PROPERTY - 310 MCLEAN (Newly refreshed, 3 bedroom home - 1 1/2 baths - Near Downtown - Great Lease) ....................... $88,777★ FOR LEASE - 21,120 sq. ft., 1107 Croxton, Many Uses-Will Divide (3 phase-440 amp. service-Explosion proof drain) ........................$5.00/SQ. FT.★ BUSINESS FOR SALE - 102 N. Center (Illinois Brewery/Pub, leasehold, includes FF&E and Inventory-Adjacent to Arena) ....................... $150,000★ FOR SALE - PROFITABLE OPERATING RESTAURANT - PRIME LOCATION - LEASEHOLD - PURCHASE FIXTURES & EQUIPMENT ............................ CALL
Pantagraph HOME MARKET, Friday, January 13, 2012 www.PantagraphHomeMarket.com20
We’ve enhanced this beautiful home with more stunning details and can’t wait to share them with you. Please join us this Saturday, January 14 and see our new features—one detail at a time.
We’ve added the following features:• Basement bedroom with walk-in closet• Basement wet bar with refrigerator & microwave• Full bathroom in basement• Full mature landscaping with large mature pine trees in
backyard
All this - and we didn’t even raise the price.
Join us this Saturday! Or, if you would like a private tour from one of the friendly and knowledgeable custom home experts at O’Neal Builders, contact Jim O’Neal today or call him at 309-275-9292.
10 Cloverhill Circle, BL • $342,500Amazing home on 1/2 acre Lot. Featuring an in law suite & bathroom on the main level. The Master Bedroom and two additional bedrooms are upstairs. This open fl oor plan with main fl oor wet bar is ideal for entertaining. The kitchen features Corian countertops, maple cabinets & maple hardwood fl oors. This house is designed for today’s modern family!
3700 Yellowstone Drive • $749,000Come see our new model (under construction) on the lake as well as lot opportunities in the gorgeous Trails on Sunset Lake subdivision.
New Features–Same Price!Welcome To An O’neal Builders Model Home Re-Opening
Saturday, January 14, 2012, 12 To 4 P.M.
Re-Presenting 3535 Tahoe Boulevard
$469,000 | 4 Bedrooms, 4 BathsLocated In Trails On Sunset Lake
$479,000
This home brought to you by O’Neal Builders and The O’Neal Group.
3535 Tahoe Boulevard, Normal, IL | $469,000
SOLDSOLD
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For more information call Jim O’Neal 309-275-9292205 Landmark Drive, Normal, IL 61761 Offi ce: (309) 454-6700 www.oneal-builders.com
