Real Estate Agents are NOT alike! We Specialize in Home Retention, REO , Foreclosures & Short Sales."Excellence In All Things-All Things To His Glory"

Is Your Mortgage in Default?
five basic solutions you have while your property is in default.
Find Out More >
View All Offers >

"Great Advice!"
"Everyone was so responsive to whatever I called about"
The Roth's~321 Village Trail, McHenry
Read Quote >
View All Quotes >

Compare three mortgages at one time. Download TripleCalc now. It's free.

Find Out More >
Download Now >

The Rick O'Connor Group are some of The Top Selling Real Estate Experts™
Find Out More >

The Rick O'Connor Group, REALTORŽ, real estate agent and broker for McHenry County, Crystal Lake and Woodstock Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

Serving Crystal Lake, Lake In The Hills, Algonquin, Huntley, McHenry and Woodstock, Illinois for 27+ years!

Licensed in Illinois and Wisconsin

We pride ourselves on our diverse levels of experience in different facets of the real estate industry. With recent developments in the marketplace we offer you expertise in:

~ REO, Foreclosure and Short Sale properties
~ Real Estate Investing and Consulting
~ Broker Price Opinion's

CLICK HERE TO VISIT THOUSANDS OF AREA HOMES FOR SALE.

Direct Line to Rick and Larry (815) 477-3000 Ex. 103

REALTY EXECUTIVES CORNERSTONE & The Rick O'Connor Group

EXPERIENCE The Advantages of Working With An EXECUTIVE!

WE KNOW McHENRY & KANE COUNTY!
The members of The Rick O'Connor Group have lived in and around McHenry & Kane County for the last 27 Years. We have witnessed and been involved in the changes McHenry & Kane County has experienced over the years.

Want to know your property value? Want to know about the First-Time Homebuyer or Move-Up Buyer Credit? Want to know about purchasing investment property? Ready to refinance? Want to know about purchasing vacant land? Having trouble making mortgage payments? Questions about Short Sale Procedures? What does Foreclosure mean to me? The Rick O'Connor Group has your answer, our experience with McHenry & Kane County markets is unquestionable. Clients have stated time and time again that they couldn't live without our knowledge, understanding, insights and negotiating skills.

When you need expert advice...No web site, large or small, can take the place of a top Realtor. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job.

Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why?

We want to be YOUR Real Estate Team of Choice!

As your trusted, professional real estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. As top McHenry County, Crystal Lake, Algonquin, Lake In The Hills, Huntley and Woodstock Realtors, we have the experience and track record you are looking for. The Rick O'Connor Group realizes that our clients are entrusting us with the biggest investment they will own in a lifetime. With honesty and consideration we will implement our knowledge, experience and resourcefulness to provide you with unmatched professional service. Enjoy our site and we hope to see you again soon! Remember to SHARE A SMILE TODAY!

~The Rick O'Connor Group

Financing Your Home >Mortgage Terms

New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.

Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.

	See All Tips In The "Financing Your Home" Category >
	See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q	Where is the world's oldest castle located?
A	The castle at Gomdan, Yemon, dating from before A.D. 100, is considered the oldest castle; it originally had 20 stories.
See More Real Estate Trivia >

ROC Property Managment - (815) 455-1112
Our team will manage your small or large income properties.
Find Out More >
View All Affiliates >

The Rick O'Connor Group
Realty Executives Cornerstone
7115 Virginia Rd. Ste. 101
Crystal Lake
IL 60014
Rick O'Connor, SFR: 815-477-3000 Ex. 104
Larry Lang, ABR: 815-477-3000 Ex. 103
Toll Free: 866-854-1100
Fax: 815-459-1112
Cell: 815-790-7200
Email: houses@rickoconnorgroup.com
Larry: larrylang@rickoconnorgroup.com
Rick: rick@rickoconnorgroup.com

The Rick O'Connor Group has been ranked in the top 3% of REALTORSďż˝ in his area since 1990. The Rick O'Connor Group is one of America's NUMBER1EXPERTSďż˝ in all areas of Real Estate in McHenry County, and is well equipped to guide you through all your real estate needs. Our staff and Executives are qualified to assist with Short Sales, REO Properties, Foreclosures and Distressed Properties. "As designated Home Retention Consultants (HRC) and as a Short Sale, Foreclosure Resource (SFR) we are able to give you professional advice for your future." Call or email his team today! And remember Excellence In All Things, All Things to His Glory.

Equal Housing GRI MLS REALTOR

www.rickoconnorgroup.com is brought to you by The Rick O'Connor Group
NUMBER1EXPERTS™ for McHenry County real estate IL, Crystal Lake real estate and Woodstock real estate, Illinois

Read our Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge