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Searching for homes in Southwestern Illinois has never been this easy. Start with the Search "widget" on the cover page -- a quick tool for seeing all the properties listed in the Southwestern and Metro East areas in Illinois. If you fill out the boxes to your specific requirements, it will yield the homes for sale in your area of interest.

The Search the MLS is an Internet Data Exchange (IDX) tool that shows all the properties listed by cooperating brokers and real estate companies in the Metro East Illinois region. It searches for homes for sale, and it drills down the search to your preferred county, city, school district, and other criteria. Your O'Fallon, Belleville, Shiloh, Swansea, Fairview Heights, Lebanon, Mascoutah, home search results will also be mapped for you! No more guessing games on where the property is located. Start and search for your new home now!  These are the newest and current listings as they are offered in the market. If you can't find a property, Contact me and I'll find it for you.

For Home Buyers: Home inventory is not as high as it used to be, and mortgage rates are still low. Set up your automatic home search by clicking on the Find Me a Home link on top of the page, fill out the form, and Send. You will receive an E-mail notification as properties come up that meet your requirements. If you'd like to find out the current mortgage rate and mortgage payment calculator, point your mouse over the Find Me a Home link and click on the choices. Click on Mortgage Rates to see the current rates and to calculate your monthly house payment (for Principal and Interest.)

For Home Sellers: It's trending positively for home sellers. With a well-thought out marketing plan, realistic pricing, and maximum exposure through the Internet, advertising, networking, and social media, sellers can be on their way to move on. Request a free Comparative Marketing Analysis (CMA) to find out what your home is worth currently. Just fill out the relevant information about your property, as fully as possible, and Send. I'll respond as soon as I can.

Try all the navigation link above including Yolanda's Blog to learn about the communities, local events and real estate. For listings in towns and cities, check out the For Sale link above for listings in O'Fallon, Belleville, Shiloh, Swansea, Fairview Heights, Lebanon, Mascoutah, Scott Air Force Base, and the surrounding area. Find out about local events, and let me know if you want your events advertised.

You're welcome to registerJust click on Register on the top right corner of the page, fill out the form with your name, E-mail address, phone number, and other pertinent info. Your information will be kept confidential and will not be shared with anyone.

Contact me with any questions, comments, or requests: just E-Mail, text, or call me at 618-407-9195Bookmark this site, have fun, and visit often!

~ Yolanda

 Finding Homes and Building Dreams.

Copyright ©2017 YOLANDA HOVERSTEN. All rights reserved.

Yolanda's Blog

February 2017 Home News




Whether you are looking to buy or sell, I can offer the highest levels in real estate expertise and professionalism. Don’t hesitate to contact me and allow me to help guide you through that process!

YolandaHoversten@gmail.com   |   618-407-9195

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Should You Pay Discount Points?

The low mortgage interest rates that you find online or in the newspaper aren’t necessarily what you’ll pay when you apply for a loan. Why? Because banks will charge you “discount” points to get the best rate, which adds to the cost of the loan.

Points, or discount points, are expressed as a percentage of the loan amount. The point "discounts" the interest rate, that's why it's referred to as a discount point. If your mortgage is $300,000, then one "point" is $3,000. For each point you pay, your interest rate should be reduced by about ¼ percent.

On a 30-year mortgage loan at $300,000 and 5.00%, the monthly payment works to $1,610 without any points.Paying one point ($3,000) would reduce the rate to 4.75%, making your discounted payment $1,564 per month.

That's a reduction of $46.00 per month. Now weigh the cost of $3,000. To get that, divide $46 into $3000. The result is 65. It will take you 65 payments to break even, nearly 5 ½ years. It’s worth it if you’re planning to stay in your home for 5 to 10 years or longer. If not, you’re far better off using the $3,000 to pay down your loan principal or buying furniture for your home.

There’s another way to get the best mortgage interest rate – that’s to have the best credit scores possible. Those with near or perfect credit are considered low risk by banks. As always, consult your financial adviser for more information about home loans.


Three New Year’s Home Buyer Resolutions

This is the year you become a homeowner! To make the most of this most important step in your life, make these three New Year’s home buying resolutions now.

The three credit reporting bureaus, Experian, Transunion and Equifax, don’t share data, nor do they correct errors without evidence. Order a full credit report from all three bureaus here. If you find an error, contact the appropriate bureau and mail copies of your payment, release of lien or other proof.

Pre-approval also means a lot to sellers. It show’s that you’re serious about buying a home and that the closing process will be quicker and smoother because you already have a lender.

  1. I will check and repair my credit. Before you start shopping for homes, make sure you have no errors or unresolved credit issues that could prevent you from getting a good loan.
  2. I will get pre-approved for a mortgage loan. Take two to four months of bank statements, pay stubs, and an account of your monthly debts and expenses to your lender. The lender calculates how much money you can safely borrow and at what interest rate.
  3. I will buy within my means. It’s sensible to buy the most home you can afford, and your lender will help you get there, but it’s not wise to get a risky adjustable rate mortgage so you can buy more house. Being “house poor” means having no money available for other things in life, so stick to conforming loan guidelines to be safer financially.



Clutter-free Countertops

Today's kitchens are filled with all kinds of gastronomical gadgets, but if you want to show your kitchen to its fullest advantage, here are five ways to keep clutter down:

  1. Store unused equipment. Which appliances do you use the most? Chances are they’re not vegetable curlers or pasta makers. Store those appliances somewhere else, such as a butler’s pantry, food pantry or the garage.
  2. Build an appliance garage. Many cabinetmakers offer an appliance garage that can be closed when not in use. You can also customize an appliance garage to extend the length of the counter.
  3. Update appliances. If you need a microwave, get one that’s also a convection oven. Commercial-grade mixers have attachments that can make pasta and knead bread. The newest coffee machines can make tea, hot chocolate and all kinds of coffee shop specialty brews.
  4. Mount what you can. Under cabinet mounting is easy to install. Paper towel racks, electric can openers, and task lighting can all be mounted under the cabinets to free up counter space. Throw out smelly dishrags and sponges, and store fresh cleaning aids in caddies under the sink.
  5. Invest in organizers. Corner cabinets can be better utilized with swing out organizers. Drawers on rollers allow better access to all your storage. One charging station should serve multiple devices. Try installing one in the hall or utility room.

Once your kitchen is better organized, you’ll find it easier to prepare for showings and buyers will have an easier time seeing the kitchen’s best features.

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1941 Frank Scott Pkwy., Ste. C O'Fallon, IL 62269
©2017 BHH Affiliates, LLC. Real Estate Brokerage Services are offered through the network member franchisees of BHH Affiliates, LLC. Most franchisees are independently owned and operated. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of HomeServices of America, Inc.® Information not verified or guaranteed. If your property is currently listed with a Broker, this is not intended as a solicitation. Equal Housing Opportunity. 
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Yolanda Hoversten - Broker
Berkshire Hathaway HomeServices
Elite Properties

1941 Frank Scott Parkway, Suite C
O'Fallon, IL 62269
Phone: 618-407-9195
Voice: 618-589-2349
Email: YolandaHoversten@gmail.com
Web: YolandaRealtor.com

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Client Reviews

"Yolanda kept us updated on what was going on and always returned my calls in a timely manner. She also gave us insight into the mortgage process and was extremely professional at all times. Yolanda Hoversten is just terrific!!! Thank you Prudential! Thank you Yolanda!" Loen Graceson-Martin
"Yolanda was very professional and couldn't have been any better. She was A-One." Mr. & Mrs. Lawler
"Yolanda is a dream realtor! We found a perfect home all the way from Alaska - she's fantastic!" Melanie Neely
"It is my sincere pleasure to recommend Yolanda. My wife, Nancy, and I bought our home in 2008, after Yoli. tirelessly. showed us countless homes, researched candidate homes and provided valuable advisement to help us in our home search and escrow related decisions. This in itself, was valuable to Nancy's and my successful acquisition of the best home for us. I believe that the most important quality of Yoli is her personal attention and caring approach. This not only applied to our search and purchase, but, has continued, to this day. Yoli have "been there" for Nancy and me, in a multitude of ways, ever since our 2008 introduction. Thank you for being there for Yoli." Bill and Nancy Foster
"Yolanda Hoversten...you are awesome. If anyone needs an honest Realtor that cares about their CLIENTS needs and best interest, call Yolanda! Sold our house in O'Fallon in 1 day!!!" Brenda Bullock
"Yolanda (and Scott) did a great job on our sale from beginning to end. From helping with minor upgrades, to staging, to covering appointments with service providers and inspectors she was there with a smile and positive approach. I would not hesitate to work with her again if the need arises, and we'll definitely recommend her to anyone needing assistance with a sale or purchase. Thanks Yoli !!!!" Bob and Helen Greynolds
"I needed someone not only to sell my house but to help me find and arrange good contractors to fix up the house and to stage it. And since I lived a 1000 miles away I needed a lot of feedback. I actually found Yolanda by using Yelp. It was definitely my day because Yolanda far exceeded all my expectations. She treated my property as though it were her own. I needed a lot of help and she was right there for me every step of the way. Yolanda negotiated lower contractor costs and shopped around for good deals on materials. And she always forwarded detailed receipts without me having to ask for them. I relied on Yolanda like a close friend and she always showed the highest integrity. The house sold when others were unable to sell their similar properties. I highly recommend her as a realtor!" Tony Crenshaw
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©2017 BHH Affiliates, LLC. An independently owned and operated franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of HomeServices of America, Inc.® Equal Housing Opportunity.

Berkshire Hathaway HomeServices Elite Properties
O'Fallon, IL Real Estate and Homes for Sale