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Welcome to The Vicki Temple Team's O'Fallon, Shiloh and Belleville Real Estate Website


	Your Source for Homes near Scott Air Force Base, Belleville, Shiloh, O'Fallon and Surrounding Communities

Welcome! Here You Can Find Great Information on Scott Air Force Base, O'Fallon, Shiloh and Belleville, Illinois Real Estate

Looking for homes? Search everything the web has to offer, right here! Don't miss our Feature Homes.

Need local real estate information? We've summarized much of what is important about the Scott Air Force Base, O'Fallon, Shiloh and Belleville real estate market in this site.

Need expert advice? No web site, large or small, can take the place of a real estate agent. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job.

Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR real estate agents. As your trusted, professional real estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. we have the experience and track record you are looking for.

- The Vicki Temple Team

School Reports in O'Fallon, Shiloh and Belleville, Illinois

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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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Q	What is the role of the U.S. Housing Authority?
A	Created in 1937 by FDR, the U.S. Housing Authority provides construction loans to small communities and states.
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The Vicki Temple Team, REALTORŽ, real estate agent and broker for O'Fallon, Shiloh and Belleville, Illinois home listings, property and land for sale

The Vicki Temple Team
RE/MAX Preferred
4 Emerald Terrace
Swansea, IL 62226
Direct: 618-257-8581
Fax: 877-200-0521
Vicki@TheVickiTempleTeam.com

My team is YOUR TEAM, and together, we are here and ready to help you with all or your real estate needs. Whether you're buying or selling (now or later), we would love the opportunity to be on your team.

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