Page 46 - June2020 FOP Magazine

The Home Team
Realtors who provide expertise to their extended law enforcement family
Meet Your Lender
Camilla Papaioannou Preferred Rate
312-656-9411 camilla@giangrandeteam.com
My law enforcement connection
My husband is the commander in the 19th District. I am blessed to call every CPD member not only heroes but my family.
RETIRED CPD OFFICER-LET ME HELP YOU WITH YOUR HOME NEEDS
Contact me for more details on our
First Responder Rebate and Veteran’s Programs.
Available for new customers between July and September 2020.
Rebate Incentive sample: $500.00 per $100,000 seller’s price.
As a retired first responder, I know well the stresses of the job and how it can be compounded by life changes. Knowing this, I will give you my full attention and commitment.
John Bausch - Retired CPD Detective jbausch@StarkRE.com johnbausch@hotmail.com 224-507-4968
Now Serving My Police Family in Southwest Florida
Naples • Marco Island • Bonita Springs • Ft Myers • Cape Coral
Robert H. Povilaitis PA
Realtor-CNE (Certified Negotiations Expert) Licensed since 1975 • 32-year CPD veteran
Cell: 239-784-1744
Email: ForeSailNaples@comcast.net www.NaplesRealEstateBeat.com
What inspired you to become a lender?
I love numbers, being a problem solver and assisting/educat- ing families on their largest financial investment.
They key to being a successful lender is...
My business is truly from the heart. I am first-generation, and both my parents migrated here from Italy and instilled key com- ponents in my brother and me: faith, honesty and a hard work ethic.
What separates me from the competition...
Being available. Most police officers do not work 9-to-5, so
being available is critical, as is educating my borrowers to build their confidence in purchasing a home, investment property and/or refinancing to save money or term reduction. Lastly, de- livering on my word. My goal is to add value to each person I have the opportunity to connect with.
Why you should work with me...
Each transaction is unique to me, from credit score to down payment and closing costs. It’s important to reach out to a mort- gage advisor at least a couple months before purchasing a home. This allows for time to address any surprises we may encounter on your credit report. Credit score is critical because this factors into your interest rate. Closing costs for purchasing a home in Chicago average around $5,000. In addition, however, the City of Chicago has a transfer stamp that I always discuss with my bor- rowers (the buyer is responsible for $7.50/$1,000 of the purchase price). This can become a large cost on behalf of the borrower. There are also down payment assistance programs available, should you qualify. Our company has a program called STaR, specifically for first responders, teachers, correctional officers and firefighters.
46 CHICAGO LODGE 7 ■ JULY 2020