Chesterfield, Wildwood and Ballwin real estate and homes for sale in Missouri - Kathy Irvine and The Irvine Team, REALTORS® Kathy Irvine and The Irvine Team REALTORS(r) for Chesterfield, Wildwood and Ballwin, Missouri real estate - NUMBER1EXPERTS™ Kathy Irvine and The Irvine Team NUMBER1EXPERTS(tm) for Chesterfield, Wildwood and Ballwin, Missouri real estate
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Kathy Irvine and The Irvine Team, REALTOR®, real estate agents and broker for Chesterfield, Wildwood and Ballwin Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)

















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Relocating?: Chesterfield, Wildwood and Ballwin Missouri home buying, real estate listings, and homes for sale in St. Louis                      County, MO
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Request Our Free Relocation Package. Don't Move To The St. Louis Area Without It!
 

Moving your family to another town or state is a major event in your life! We have helped many families and individuals relocate to and from the St. Louis & St. Charles County areas. 

If you will be moving here, we can correspond by email and phone. Together, we'll determine what type of home, price range, and neighborhoods you are interested in. We'll send you every home or property that is currently available that matches your criteria. 

When you visit, we'll be ready! We will visit neighborhoods and homes that interest you the most. 

In addition, we can talk about schools, subdivisions, local market conditions, local culture... anything that is important to you. 

Remember: As top St. Louis & St. Charles County Realtors, it's our job to know this area inside and out, and we want to make your transition as smooth as possible. 

To get started, fill out the form to request our FREE Relocation Package. We'll send it right out. It's full of useful and important information about this area. You are under no obligation, so you can't go wrong...
 

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Real Estate Tips
Financing Your Home >Mortgage Fears

It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!

Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.

Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.

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What is considered to be one of the soundest long-term investments?

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Real estate has a long-term record of strong investment return and is a driving force of the national economy.
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Kathy Irvine and The Irvine Team, REALTOR®, real estate agents and broker for Chesterfield, Wildwood and Ballwin Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)

Kathy Irvine and The Irvine Team
Coldwell Banker Gundaker

14830 Clayton Road
Chesterfield, MO 63017
Office: 636-391-2100
Voice Mail: 314-567-8620
Toll Free: 800-791-3276
Fax: 636-391-3620
Email: Kathy@theirvineteam.com

The St. Louis Association of Realtors has recognized Kathy as the top sales associate for 10 of the last 12 recent years. With nearly 70 million dollars in sales in 2004, Kathy was honored for the 17th straight year as the TOP AGENT for the largest real estate company in the St. Louis area, Coldwell Banker Gundaker. She was also #1 in the Midwest Region and 12th nationwide for Coldwell Banker. However, the most important recognition Kathy and The Irvine Team get is the steady stream of testimonials and repeat business from her clients. She and her team set the pace, provide the service you can count on, and are dedicated to achieving your real estate goals. The Irvine Team constantly leads the St. Louis real estate market with their excellence, professionalism and service. The Irvine Team . . . . Nobody does it better…. NOBODY!

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Coldwell Banker Gundaker real estate and homes for sale in Chesterfield, Wildwood and Ballwin Missouri

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