Brenda Ervin Realtor - Coldwell Banker Realty

04/27/2026

🇺🇸 Property Taxes & Homeownership: An Ongoing Discussion

For many people, paying off a home is a major achievement — representing years of hard work, planning, and commitment.

At the same time, some homeowners question how property taxes fit into that picture, especially after a home is fully paid off. It can raise broader questions about long-term affordability and what ownership means over time.

Others point out that property taxes help fund essential local services like schools, infrastructure, and emergency response — all of which contribute to the overall well-being of a community.

This makes it a complex issue, with different perspectives centered around fairness, shared responsibility, and maintaining strong communities.

💬 What’s your perspective on property taxes and homeownership?

04/15/2026

03/18/2026

Listen up...Short Sale

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03/18/2026

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If you know someone who is behind on their mortgage, share this:

1. You can be 3 months behind, and not be at risk of a formal foreclosure!

You MUST be 120 days or “4” months behind before they can file!

2. The lender will THREATEN you w foreclosure BEFORE you are 4. months behind!

THEY ARE BLUFFING/misleading you!

3. PAY ONE payment even if you can’t pay the others to catch up!

YOUR LENDER MUST ACCEPT ONE PAYMENT EVEN IF YOU OWE 2 or 3 MONTHS!

4. They will “lie” and say you MUST make both or all 3 payments (3rd coming due), to avoid foreclosures!!!

NOT TRUE!

5. Before you fall behind, call and ask if you can SKIP ONE PAYMENT!

6. If you fall 3 payments behind, TRY SENDING 1 payment if that’s all you have! COMFIRM IT HAS BEEN APPLIED TOWARD YOUR MORTGAGE.

7. If you can’t make a payment because of an increase in your PROPERTY TAXES or INSURANCE!

Your lender MUST give you a 6 month payment plan to bring your escrow current!

8. If you know a formal foreclosure BEFORE losses has been filed. NO ONE CAN FORCE YOU TO OPEN THE DOOR FOR A STRANGER.

They’re trying to serve you!

9. Seek wise counsel!

What’s the moral of this story?

The most important invasion, is against the wealth you’ve worked a lifetime to acquire!

STAY FOCUSED!

Fenton LIFE!

03/18/2026

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03/15/2026

Be aware..
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03/10/2026

Even relatively minor issues during a showing could turn buyers off and prevent an offer. Here are 10 things that real estate pros say are some of the worst offenses they see during home showings. https://bit.ly/4rc1iaI

03/06/2026

🏡 NEW MOVE-IN READY LISTING 🏡
1856 E. Notre Dame St., Kankakee, IL 60901

Charming 3 bed | 1.5 bath all-brick ranch with modern updates, open living room & kitchen, deck, fully fenced backyard, extended garage, and spacious storage shed.

📲 Schedule your showing today.
Know someone looking for a home like this? Feel free to share this post with them.
Brenda Ervin, REALTOR®
Coldwell Banker Realty
815-685-0106
[email protected]

Brenda Ervin | 815.685.01061856 E Notre Dame Street, Kankakee, ILMap it at https://www.google.com/maps/place/1856+E+Notre+Dame+Street,+Kankakee,+ILColdwell B...

03/03/2026

Start where you're planted. You can make a difference!

02/18/2026

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02/11/2026

🔥 JUST LISTED | Fully Renovated 2-Unit (2025) 🔥

Not a cosmetic update — a full reset.

✔ Two 3BR / 1BA units
✔ Open-concept living in both
✔ Spacious, updated baths
✔ New electrical, plumbing, drywall & flooring (2025)
✔ Partially replaced roof + new rear foundation section

Full basement. Detached garage. Strong layout. Real upgrades.

📍 Kankakee, IL
📩 Message me to schedule your showing TODAY!

Listed for sale at $191000. KANKAKEE MOVE-IN-READY 2 UNIT! Fully renovated in 2025, this two-unit property offers two ample sized 3-bedroom, 1-bath ...