Ray Beyer, Jr - Beyer Real Estate Solutions, LTD

07/08/2024

https://www.amazon.com/Harold-Cranky-Bear-Fishy-Sunday/dp/B0D8YXGM1X/ref=mp_s_a_1_1?crid=3QVUDMNGNR4HG&dib=eyJ2IjoiMSJ9.n_3qTopL70qGUIKRhh5qPlAMLs-wW7oH6fQWhBh5E-DGjHj071QN20LucGBJIEps.22yGqY7VGgn8MnYAf7Hf_KGIccwDLOQxCwuRHubLeYc&dib_tag=se&keywords=harold+the+cranky+bear&qid=1720444941&sprefix=%2Caps%2C144&sr=8-1

Hello all,
As you know my daughter recently graduated from U of I and she didn’t waste any time!

Amazon just published her first children’s book that she wrote and drew all the illustrations for.
Check it out, especially if you have kids or grandkids.

Thanks for reading,
Ray

Harold is a cranky bear who lives alone in the woods. He spends most days enjoying numerous of his favorite activities alone. One day while out fishing for his dinner on Hawk Lake, Harold meets a fish named Beau. Harold's original plan to turn Beau into a meal quickly changes when Beau is not fri...

06/17/2022

COPING WITH NEW RATES
1. Pay "discount points" to reduce your rate. In this case, a one time .75% of loan amount will reduce your .5% to .75%. For a $500K house this translates into a $150-$200/mo drop in monthly payment for a one time payment of $4000. For the life of the loan. Worth it if you plan on living there a long time as you can recoup this cost within only 18-24 months. Many lenders will allow you also roll this payment into your loan
2. Get an "Adjustable Rate Mortgage" (ARM). This is a gamble and can go either way. Your payment starts lower than market. If rates go up, your payment goes up. If rates go down, your payment goes down. Lenders will normally only guarantee this for 3,5 or 7 years and then require a refinance. This could go wither way. You could win or lose. For various reasons. These were extremely popular for a decade or longer BEFORE the 2008 crash. Your payments start lower, you can borrow more money to buy a house. It helps on the front end. Sometimes it helps o the back end, too. Sometimes it blows up.
3. Pay discount points AND get an ARM

03/18/2021

I work with a lot of great people that have helped me earn this!!!

03/02/2020

✨Sundays are for OPEN HOUSES! 🌻 Come check out this beautiful rehabbed home in Mount Prospect from 2-4pm on March 8th! 🌸 Take a tour, fall in love 💕 and write an offer! 🏠

02/26/2020

❄️Sundays are for OPEN HOUSES! ❄️ Come check out this beautiful brand new listing from 2-4pm on March 1st! ☃️ Take a tour, fall in love 💕 and write an offer! 🏠

12/30/2019

Who do you know that we should connect with looking to buy, sell or invest in real estate?