1146 Falcon Ridge Dr, Elgin, IL

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$ CLICK FOR CURRENT PRICE 3 BEDROOMS 4 BATHROOMS 0.03 acres Lot

Set in the sought-after Bowes Creek Country Club community, this spacious Pentwater model townhome blends comfort, style and a prime Elgin location with access to the award-winning golf course, clubhouse and restaurant. The landscaped lot is framed by mature trees and features a welcoming front porch, backyard deck and an attached 2-car garage. Inside, the open layout includes a hardwood-floored living room with a gas log fireplace, an eat-in kitchen with stainless steel appliances and…

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A lot of buyers are stuck in “wait and see” mode right now. They’re watching rates hover a little above 6% and thinking, I’ll buy once they hit the 5s. Because who doesn’t want a better rate?

But here’s the thing: that 5.99% number might not save you as much as you think.

Affordability is still a challenge. There’s no question about that. But the market has given savvy buyers a head start. Mortgage rates have already come down over the past few months. And the drop we’ve seen saves you more than you’d think.

How Much You’ve Already Saved, Without Realizing It

Let's put some real numbers to it. Rates peaked for the year in May when they inched above 7%. But since then, they’ve been slowly declining. Now, they’re sitting in the low 6s. And while…

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Can You Really Buy a Home in the Fox Valley with Student Debt?

Absolutely. If you’ve been hesitating to step into the housing market because of student loans, you’re definitely not alone—and you're also not out of the running. Plenty of first-time buyers in Geneva, Batavia, and St. Charles are in the same boat, and guess what? They're still getting the keys to their new homes.

According to recent data, about one in three first-time buyers in the Fox Valley have student loan debt, with the average amount hovering around $30,000. That’s not exactly pocket change, but it’s also not a dealbreaker. What lenders really care about isn’t just the number—it’s how it fits into your broader financial story.

Let’s break it all down and show how you can…

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If it feels like you’re seeing new construction signs pop up everywhere, you’re not wrong. Builders have been busy. And it’s left some people wondering: Are we overbuilding like we did right before the 2008 housing crash?

No matter what you may hear in the news, there’s no reason for alarm. In reality, data shows builders aren’t racing ahead, they’re actually starting to tap the brakes.

Builders Are Pulling Back, Not Piling On

Permits (applications to start building new homes) are one of the best early indicators for what's next for home construction. And right now, building permits are trending down, not up. Here’s why that’s so important.

In the years before the housing crash of 2008, builders really ramped up their production of…

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When it comes to selling a home in St. Charles, Illinois, experience and local expertise make all the difference. The Kombrink Team at One Source Realty has built a reputation for delivering standout results through strategy, precision, and community connection. Here’s why so many St. Charles sellers trust them to handle one of life’s biggest financial moves.

1. Proven Track Record of Local Success
The Kombrink Team has sold hundreds of homes throughout St. Charles and the surrounding Fox Valley area. Their market knowledge, pricing strategies, and negotiation skills consistently lead to quicker sales and stronger returns for their clients.

2. Neighborhood-Level Market Expertise
From downtown St. Charles’ riverfront homes to neighborhoods like Fox…

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Thinking about relocating this winter? Many Fox Valley homeowners assume it’s best to wait until spring to sell, but that can actually mean missing one of the best windows of opportunity. The holiday and winter months bring fewer competing listings, which means your home stands out more—and serious buyers are still out there, ready to move quickly.

Relocation sellers have a real advantage right now. With low inventory across Geneva, St. Charles, Batavia, and surrounding communities, well-priced homes often attract strong offers in less time. Winter buyers tend to be motivated by job changes, family needs, or new-year goals, which means fewer “lookers” and more qualified offers.

Selling now also sets you up to buy your next home in the spring with…

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If you’ve served in the military (or if your spouse has), you have access to one of the most powerful homebuying tools out there. The chance to buy a home without having a down payment.

Unfortunately, 70% of Veterans (that's 7 out of every 10) don’t know about this benefit, according to Veterans United.

a group of people in circlesAnd that’s a big missed opportunity for those who’ve earned this benefit through service. So, let’s break down what you really need to know about Veterans Affairs (VA) home loans right now.

Why VA Home Loans Can Be a Great Option

For nearly 80 years, VA loans have made homeownership possible for millions of Veterans and active-duty service members. Here are just a few of the top perks according to the Department of Veteran Affairs:

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When it comes to real estate investing in Elgin, Illinois, having the right agent by your side makes all the difference. You need more than someone to open doors. You need a team that understands the local market, knows what investors are looking for, and can spot potential before anyone else does. That’s exactly what The Kombrink Team at One Source Realty brings to the table.

With years of experience across the Fox Valley, The Kombrink Team helps investors find Elgin properties with strong potential, from rental homes near downtown to fixer-uppers ready for a smart upgrade. Every recommendation is based on real numbers, neighborhood insight, and long-term value.

What really sets them apart is how they combine strategy with local expertise. They…

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There’s been a lot of talk lately about how a government shutdown impacts the housing market. You might be wondering: Is it causing everything to grind to a halt?

The short answer? No.

The housing market doesn’t stop. It keeps moving. Homes are still being bought and sold, contracts are still being signed, and closings are still happening. The difference is that a few parts of the process may slow down a little, but overall, the market continues to function.

Here’s What Typically Happens

Whenever the government shuts down, some federal agencies temporarily close or scale back their operations. That can cause a few hiccups in real estate, especially when it comes to processing certain types of government loans and insurance…

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For many first-time buyers eyeing St. Charles, Illinois, the question isn’t whether to buy—it’s when. With mortgage rates still higher than the record lows of a few years ago, it’s natural to wonder if waiting could pay off. But in a market like St. Charles, holding out might cost more than it saves.

Prices and inventory tell the real story. Entry-level homes in St. Charles remain in short supply, and steady demand keeps prices resilient. If you wait for a perfect rate, you might find yourself chasing higher prices instead.

The math isn’t always what you expect. On a $400,000 home, a small dip in interest rates might lower your payment by just a few dozen dollars each month. Meanwhile, home values across the Fox Valley continue to rise, and time out…

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