Phone: 618-698-4059
Email: sschindler@bankguardian.com
Guardian Savings Bank / Scott Schindler
Guardian Savings Bank Expands. Scott Schindler to Join the Business Development team
[Granite City, , Thursday, January 05, 2023] Granite City, IL - Guardian Savings is pleased to announce the hiring of Scott Schindler as the newest member of their team. Scott brings over 19 years of banking experience to the company, and has a specialty in home loans.
Phone: 618-698-4059
Email: sschindler@bankguardian.com
Guardian Savings Bank / Scott Schindler
Guardian Savings Bank Expands. Scott Schindler to Join the Business Development team
[Granite City, , Thursday, January 05, 2023] Granite City, IL - Guardian Savings is pleased to announce the hiring of Scott Schindler as the newest member of their team. Scott brings over 19 years of banking experience to the company, and has a specialty in home loans.
Three Things Buyers Can Do in Today’s Housing Market
posted by: George Sykes, Broker, Worth Clark Realty on Friday September 23, 2022
Three Things Buyers Can Do in Today’s Housing Market
It’s clear the 2022 housing market has been defined by rising mortgage rates. With rates on the rise, it’s also become more costly to purchase a home. According to the National Association of Realtors (NAR):
“Compared to one year ago, the monthly mortgage payment rose to $1,944 from $1,265, an increase of 53.7%.”
If you’re thinking of buying a home or have been trying to recently, that’s a big increase in a monthly mortgage payment – and it may be causing you to press pause on your plans. This jump is making homes less affordable, especially compared to the last two years when mortgage rates were at historic lows.
The good news is you can navigate today’s housing market and this rising rate environment with a few simple tips. Here are three things you may want to consider to help make your homeownership goals a reality.
Read on for the 3 things.
Three Things Buyers Can Do in Today’s Housing Market
posted by: George Sykes, Broker, Worth Clark Realty on Friday September 23, 2022
Three Things Buyers Can Do in Today’s Housing Market
It’s clear the 2022 housing market has been defined by rising mortgage rates. With rates on the rise, it’s also become more costly to purchase a home. According to the National Association of Realtors (NAR):
“Compared to one year ago, the monthly mortgage payment rose to $1,944 from $1,265, an increase of 53.7%.”
If you’re thinking of buying a home or have been trying to recently, that’s a big increase in a monthly mortgage payment – and it may be causing you to press pause on your plans. This jump is making homes less affordable, especially compared to the last two years when mortgage rates were at historic lows.
The good news is you can navigate today’s housing market and this rising rate environment with a few simple tips. Here are three things you may want to consider to help make your homeownership goals a reality.
Read on for the 3 things.
Wildfire Celebrates 27 Years
posted by: Wildfire Internet on Tuesday March 1, 2022
Wildfire Internet established as one of the early Internet application development companies in 1995 today celebrates its 27th year anniversary. Wildfire Internet is the home of the CityPages, a local city directory designed to help local businesses take advantage of Wildfire's 27 years of experience.
Read Full Article ...Wildfire Celebrates 27 Years
posted by: Wildfire Internet on Tuesday March 1, 2022
Wildfire Internet established as one of the early Internet application development companies in 1995 today celebrates its 27th year anniversary. Wildfire Internet is the home of the CityPages, a local city directory designed to help local businesses take advantage of Wildfire's 27 years of experience.
Read Full Article ...Seeing is Believing.
posted by: Unity Baptist Church on Monday December 6, 2021
As we approach Christmas time there are many opportunities to remember what this season is all about. I had one of those reminders about 15 minutes ago, and I'd like to share it with you.
Read Full Article ...Seeing is Believing.
posted by: Unity Baptist Church on Monday December 6, 2021
As we approach Christmas time there are many opportunities to remember what this season is all about. I had one of those reminders about 15 minutes ago, and I'd like to share it with you.
Read Full Article ...Follow the Housing Market without lots of clicks and picks
posted by: George Sykes, Broker, Worth Clark Realty on Monday February 15, 2021
New home listings are now posted in near real time to the main home page of local CityPage sites like collinsville.com, edwardsville.com, collinsville.com, ofallon365.com and 40+ more.
Read Full Article ...Follow the Housing Market without lots of clicks and picks
posted by: George Sykes, Broker, Worth Clark Realty on Monday February 15, 2021
New home listings are now posted in near real time to the main home page of local CityPage sites like collinsville.com, edwardsville.com, collinsville.com, ofallon365.com and 40+ more.
Read Full Article ...47 Percent of New Buyers Surprised by How Affordable Homes Are Today
posted by: George Sykes, Broker, Worth Clark Realty on Saturday February 13, 2021
Headlines matter. Right now, it’s hard to read about real estate without seeing a headline that suggests homes have become unaffordable for most Americans. In reality, there’s hard evidence that shows how owning a home is more affordable than renting in most parts of the country, as record-low interest rates are keeping monthly mortgage payments about 23% lower than the typical payment of 20 years ago. Despite the facts, misleading headlines persist, and they impact how hopeful homebuyers perceive the market.
In a recent survey by realtor.com, home shoppers indicated they were surprised by what they could actually afford when buying their first home. In fact, 47% discovered their budget was larger than they expected. George Ratiu, Senior Economist at realtor.com, explains:
47 Percent of New Buyers Surprised by How Affordable Homes Are Today
posted by: George Sykes, Broker, Worth Clark Realty on Saturday February 13, 2021
Headlines matter. Right now, it’s hard to read about real estate without seeing a headline that suggests homes have become unaffordable for most Americans. In reality, there’s hard evidence that shows how owning a home is more affordable than renting in most parts of the country, as record-low interest rates are keeping monthly mortgage payments about 23% lower than the typical payment of 20 years ago. Despite the facts, misleading headlines persist, and they impact how hopeful homebuyers perceive the market.
In a recent survey by realtor.com, home shoppers indicated they were surprised by what they could actually afford when buying their first home. In fact, 47% discovered their budget was larger than they expected. George Ratiu, Senior Economist at realtor.com, explains:
What Happens When Homeowners Leave Their Forbearance Plans?
posted by: George Sykes, Broker, Worth Clark Realty on Friday January 29, 2021
According to the latest report from Black Knight, Inc., a well-respected provider of data and analytics for mortgage companies, 6.48 million households have entered a forbearance plan as a result of financial concerns brought on by the COVID-19 pandemic. Here’s where these homeowners stand right now:
2,543,000 (39%) are current on their payments and have left the program
625,000 (9%) have paid off their mortgages
434,000 (7%) have negotiated a repayment plan and have left the program
2,254,000 (35%) have extended their original forbearance plan
512,000 (8%) are still in their original forbearance plan
116,000 (2%) have left the program and are still behind on payments
What Happens When Homeowners Leave Their Forbearance Plans?
posted by: George Sykes, Broker, Worth Clark Realty on Friday January 29, 2021
According to the latest report from Black Knight, Inc., a well-respected provider of data and analytics for mortgage companies, 6.48 million households have entered a forbearance plan as a result of financial concerns brought on by the COVID-19 pandemic. Here’s where these homeowners stand right now:
2,543,000 (39%) are current on their payments and have left the program
625,000 (9%) have paid off their mortgages
434,000 (7%) have negotiated a repayment plan and have left the program
2,254,000 (35%) have extended their original forbearance plan
512,000 (8%) are still in their original forbearance plan
116,000 (2%) have left the program and are still behind on payments
Beginning Our Journey in John's Gospel
posted by: Unity Baptist Church on Monday January 11, 2021
Read Full Article ...
Beginning Our Journey in John's Gospel
posted by: Unity Baptist Church on Monday January 11, 2021
Read Full Article ...
Smart Buyers and Smart Sellers: Class #3 "The Contract"
posted by: George Sykes, Broker, Worth Clark Realty on Friday January 1, 2021
George Sykes, Real Estate Broker with Worth Clark Realty details what every real estate buyer and seller should know about the "Contract To Purchase Real Estate". Buyers and Sellers owe it to themselves to watch this video before they sign their next real estate contract. Understand what you are signing. George Sykes is a licensed Real Estate Broker in Southern Illinois and represents clients in edwardsville, glen carbon, collinsville, granite city, maryville, troy, ofallon, swansea, shiloh and belleville.
Read Full Article ...Smart Buyers and Smart Sellers: Class #3 "The Contract"
posted by: George Sykes, Broker, Worth Clark Realty on Friday January 1, 2021
George Sykes, Real Estate Broker with Worth Clark Realty details what every real estate buyer and seller should know about the "Contract To Purchase Real Estate". Buyers and Sellers owe it to themselves to watch this video before they sign their next real estate contract. Understand what you are signing. George Sykes is a licensed Real Estate Broker in Southern Illinois and represents clients in edwardsville, glen carbon, collinsville, granite city, maryville, troy, ofallon, swansea, shiloh and belleville.
Read Full Article ...Smart Buyers and Smart Sellers: Class #2
posted by: George Sykes, Broker, Worth Clark Realty on Friday December 18, 2020
Class #2: The Listing Agreement
In Smart Buyer and Smart Seller Class #2, George explains what exactly goes into a Listing agreement. This document details key elements of a real estate sale like Price, Commissions, Timing, what stays with the house and Disclosures. If you are selling a property in the Southern Illinois area (edwardsville, glen carbon, collinsville, granite city, maryville, troy, ofallon, swansea, shiloh, belleville) this course is a must see before you list.
Smart Buyers and Smart Sellers: Class #2
posted by: George Sykes, Broker, Worth Clark Realty on Friday December 18, 2020
Class #2: The Listing Agreement
In Smart Buyer and Smart Seller Class #2, George explains what exactly goes into a Listing agreement. This document details key elements of a real estate sale like Price, Commissions, Timing, what stays with the house and Disclosures. If you are selling a property in the Southern Illinois area (edwardsville, glen carbon, collinsville, granite city, maryville, troy, ofallon, swansea, shiloh, belleville) this course is a must see before you list.
