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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Ask Anything: Chesterfield, Wildwood and Ballwin Missouri home buying, real estate listings, and homes for sale in St. Louis                      County, MO
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Ask Us Any Question About Residential Real Estate And We Will Email You an Answer Quickly.
 

As the most successful agent in the St. Louis area with over 23 years experience, Kathy has an encyclopedic knowledge of the real estate market and the area. Take advantage of her expertise and ask her your question! 

Ask her anything about a particular home on the market, neighborhoods, local market trends, local demographics, schools and economy. Check out local real estate customs and practices. Explore the tax implications of home ownership, sale and purchase. Inquire about the ins and outs of contracts, escrow and closings. Ask anything about real estate! 

To get a quick answer, please fill out the form below. It is totally free, and without obligation...
 

Some Popular Q's & A's

Q: We are moving to a new location and are concerned about finding the right location for us -- school for the kids, routes and drive times to work, new friends -- Where do we start? Kelley
A: Kelley, You have already used one of the best resources -- the INTERNET.  You can find all sorts of answers to questions from all sorts of INTERNET sites.  The problem is there are so many!!!  First of all, through my web site you can get school and community information.  I can even forward you to friends I have throughout the U.S. and Canada who have active websites in your area for just such information.  Once you have collected some information, you should contact a Realtor in your new location.  I'd be glad to refer you to a top agent in your new location, no charge, to get you started.  She/he could help you wade through the information and distill it to a manageable size!  Once you feel confident, remember we Realtors are information sources and are there to help you.  After you have visited your new location you can trek to the schools and interview principals.  Often the is the deciding factor in school choice.  And a good Realtor will also help you locate a home within a decent commute for you!  Good Luck!  Kathy

Q: I have had my house listed for 3 months and everybody says they love my house, but I have no offers.  What's wrong?  Is it my agent?
A: Betty -- If you have been on the market for three months and "everyone" says they love ;your house, then it could be one of several problems.  First of all. if people "love" your home, they should be writing you offers. That would mean, to me, there is a problem with the home that your agent has not sleuthed out yet.  When we do feedback calls, we look for negatives.  Negatives tell us way more than vague comments about "liking it but it's just not for them".  Is the problem curable, like purple carpeting or too much wallpaper?  Or is the problem something we can't change -- like a steep back yard or busy street in front or back?   If you can find out the obstacles to getting a contract,  you can correct the correct-ables, but if it is and obstacle you can do nothing about, that's a price objection.  The only way to "cure" that defect is to adjust the price to compensate for the problem!  Your agent should be on the ball enough to give you a pretty good idea of the problem!  Ask her to be frank!  Kathy

Q:
I currently have house on the market and I have very expensive blue carpeting.  My agent insists that I need to replace the carpet in order to sell.  Not only does that make me mad, but it requires a lot of furniture moving not to mention the cost.  Won't an allowance do the trick?  Bonnie
A: Bonnie -- Carpet and paint are the two most important items to address when it comes to selling a home.  If you have a 'definite' color of carpeting, you limit your market.  Your buyer would need to have furniture that goes with your carpet, so oftentimes they will eliminate a home that needs to replace a color of carpeting.  And buyers buy what they see, not what they might imagine. Two ;things about a carpeting allowance: 1st, buyers will want the best carpeting money can buy (top of the line) so the allowance you would offer will not be enough, in their eyes.  2nd, buyers want a "move-in" house, not one that they have to paint or carpet.  So you'll  lose many more thousands of dollars and lose lots of time if you do not replace the carpeting now!  Good Luck! 
Kathy 

Q:
I've been planning on selling my house next spring, I'm i'm worried about the market.  Should I consider now or should I wait?  Fred
A:
Fred -- I guess it's "crystal ball" time!  Most people think the fall and winter are bad times to have a home on the market. Traditionally, this time period is our second best relocation time.  And relocation buyers have to pick from the homes that are on the market when they are looking. Some people take their homes off the market at this time of year.  That is foolish, as they will miss out on motivated purchasers!  It is true that local people may put off looking, as local people are interest rate sensitive, and rising interest rates will discourage them for a while.  Long story short, we know what we are dealing with in this market.  National gurus tell us interest rates are not apt to go down, but will continue to go up.  The cost of gasoline and heating fuel will further impact buyers.  This may be a good time to consider selling, now rather than in the future -- but only the future can tell us more!  Good Luck.   Kathy

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Real Estate Tips
Financing Your Home >Qualifying Guidelines

It may be difficult to qualify for a home mortgage loan. As a buyer, you may find the perfect home, but finding the perfect financing might become elusive. After you complete the application process, your lender may turn you down, which is an upsetting development for any prospective homebuyer. What can be done to remedy such a setback?

The answer depends on why you were turned down. If your income is too low to satisfy one mortgage company, there might be another company with more liberal qualifying guidelines. If you have had credit problems, some lenders may be more willing than others to help you clear them up in a manner that satisfies their underwriters. If your loan runs into problems, sit down with the loan officer and your real estate agent to investigate the possibility of using a different lender. The first company may be able to "assign" the package to a competitor, enabling you to use your same credit report and appraisal. You will need the cooperation of your sellers, too.

While loan rejections are disappointing, they can be resolved.

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Real Estate Trivia
Q 
What is the highest altitude hotel in the world?

A 
The Hotel Everest View sits at the record altitude of 13,000 ft (3,964 m) above sea level, in the rarified atmosphere of Namche, Nepal, the village closest to the Mount Everest base camp.
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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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