34 posts on this topic from the Apex Realty team.
Writing an offer on a house in Illinois isn't the same as anywhere else. We use a standardized ~10-page contract called the Multi-Board 7.0, every accepted offer triggers an automa…
If you bought your home between 2018 and 2022 with less than 20% down, there's a very real chance you're still paying private mortgage insurance — and an equally real chance you …
Almost every first-time buyer who walks into our Jacksonville office (1515 W. Walnut) starts with the same sentence: "I don't have 20% saved yet." Our answer, almost every time: yo…
Most national guides will tell you a house purchase takes 30 to 45 days . That number is technically true — and also misleading. It only describes the stretch from accepted offer…
Most Central Illinois buyers walk into the home-buying process believing they need 20% down — or at least 5% — and they shape their whole timeline around that number. What they…
Walk a property line with a seller in Pike, Brown, Schuyler, or Greene County, and three letters come up almost every time: CRP . The Conservation Reserve Program is a USDA contrac…
Most "cost of living" articles either oversell a small town as a paradise or bury the unflattering line items in a footnote. We work this market every day and we'd rather be straig…
Chatham keeps showing up at the top of the list whenever a Springfield-area family asks us where to buy. The reason is rarely a mystery: Ball-Chatham CUSD 5 is one of the highest-r…
The down payment isn't the only cash you bring to the closing table. Closing costs — the bundle of lender fees, attorney charges, title insurance, transfer stamps, recording fees…
Ask ten Central Illinois homeowners when they should list, and nine of them will say "the spring." They're not wrong — five years of Sangamon and Morgan County MLS data show May …
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