Buyers

Visit Natalie Estates to see just how lovely these homes are. Here, we offer luxurious yet affordable lifestyle options for everyone. We take pride in infusing innovation, quality, and style into our work to give you the best value for your investment.

The Jenny Floor Plan

Looking for a premium floor plan that suits your style and makes a statement? Look no further than The Jenny by D&F Home Builders, Inc. We offer various stunning floor plans, but one stands out.
The Jenny Floor Plan is both practical and stylish. It has an open concept design, allowing natural light to flow freely, and split bedrooms. It boasts a spacious living and dining area, along with a well-equipped kitchen, perfect for entertaining. It includes three bedrooms, including a master suite with an en-suite bathroom and soaking tub.
Pricing for The Jenny Floor Plan is affordable, considering the quality and amenities. With ample inventory, now is the time to secure your dream home. Don’t wait; act now.
Investing in Natalie Estates and The Jenny Floor Plan is a smart choice. You’ll get quality construction, practical amenities, and style in one package. Contact our sales representatives today to learn more about making it yours.
Explore The Jenny Floor Plan Listing, take a Virtual Tour, watch the REPLAY of our LIVE Virtual Open House or Visit Our Listing on Century 21 for details.

Why Choose Natalie Estates?

Location is vital when choosing a new home. Natalie Estates is in a peaceful, family-friendly neighborhood with easy access to main roads, schools, shopping as well as parks and golf courses for your convenience.
Quality of construction is also a top priority, and D&F Home Builders, Inc. excels in this regard. The Jenny Floor Plan includes modern amenities, solid construction, and meticulous attention to detail.
Customer satisfaction is key, and D&F Home Builders, Inc. always prioritize their clients. They offer flexibility in design and exceptional customer service.

How to Get Started

Interested in Natalie Estates? Getting started is easy:

1. Schedule a Site Visit: Explore the community and The Jenny Floor Plan.
2. Talk to Raquel 618.978.0519 or Cindy (618) 791-6333 : They can provide pricing and availability information.
3. Submit Your Lot Hold: Secure your spot in this incredible community. These homes are in high demand, so don’t wait too long!

To Sum It Up…

Natalie Estates offers a prime location, quality construction by D&F Home Builders, Inc., and a commitment to customer satisfaction. Don’t miss out on owning a beautiful home. Sign up for a tour or call us to submit your lot hold today. Experience the lifestyle you deserve at Natalie Estates.

Discover the brilliance of Quantum Homes, Inc.’s latest creation – the Dakota floor plan. This modern marvel captures contemporary living while radiating a cozy ambiance. With over 2,000 square feet on one level, this plan is a testament to style and functionality.

Contemporary and Practical Design

Step inside the Dakota floor plan to experience its perfect blend of aesthetics and practicality. The layout keeps bedrooms private while enhancing overall flow. At its heart, the expansive great room features a captivating gas fireplace, ideal for snug gatherings.

Custom Kitchen and Flexibility

The custom kitchen with a spacious island merging seamlessly with a walk-in pantry and a breakfast dining area. The formal dining room can transform into a den or bedroom as per your wishes, adding flexibility to the design.

Master Retreat and Convenience

The master bedroom is a sanctuary, offering tranquility and space. The master bath boasts a tub and a separate shower, two vanities, and a water closet. A walk-in closet completes this luxurious space. Convenience is paramount, with a roomy main floor laundry and a closed staircase leading to an unfinished basement.

Turning Dreams into Reality

Quantum Homes, Inc. understands homes reflect lifestyles. Personalized home building consultations bring your vision to life. Ready to explore the Dakota floor plan in Natalie Estates, Waterloo, IL? Contact us to learn more about this exceptional design and begin your journey toward your dream home. For details, visit The Dakota Floor Plan at Natalie Estates. Your dream home awaits.

Because of the crash of the housing bubble and the economic slump, many Americans find themselves with a home that costs way less than what they paid for. It’s worse for families who are troubled financially on top of this. Foreclosure seems to be the most logical option. Let’s discuss details and other options.

During the housing bubble, many people were compelled to join the bandwagon and purchased a house. But now they find that their houses are worth far less than what they paid for. There are many reasons why this happened. During the bubble, constructions companies built massive housing projects and a lot of them stayed vacant. Neighborhoods stayed empty. Some neighborhoods that were populated evetually became empty as homeowners turne/d to sub-prime mortgages, causing the entire neighborhood to fall in value. Houses in neighborhoods like this are hard to sell even at low rates. They are even hard to put up for rent.

On top of the crash of the housing bubble, a lot of Americans find themselves out of work or they have reduced work hours. Both cause families to lose part of their income. This makes bills harder to pay.

At that time, buying a house with low interest rates was so appealing. Despite their financial capacity, many American families turned to lenders to purchase a home. But now keeping a job has become tough and paying for mortgage has become such a challenge. The value of the house has depreciated so much that even if you sell the house, it won’t be enough to pay for the mortgage.

The first thing that people think about when faced with a situation like this is foreclosure. However, you must first think hard about it because they come with consequences. Having a record of foreclosure will give you a negative credit rating. and it will stay that way for years. When you need to apply for a loan, you might not be approved because of it. Even renting a house might be difficult if the landowner requires a credit report. Credit options is expected to be lower and there can be tax implications. If payment for mortgage has been continuously late, the homeowner may already feel the consequences mentioned above.

One of the advantage of being foreclosed is  that you can continue living in the house without having to pay for rent. Depending on your state, it could be a year or longer. You can also talk to the bank to ask for new terms. Especially if the property is in a difficult market. Be careful and be sure to know what you’re getting yourself into. There are some lenders who foreclosed homes illegally. 

If you’re not quite sure about foreclosure, you can also consider a short sale. A short sale is an agreement with the bank that they can sell the house at an amount much less than what was borrowed. Through this, the homeowner can get off the hook with minimal costs or be given terms that are easier financially. However, going into a short sale can also put you in a bad light in terms of your credit score.

Usually, families who are facing this difficult situation are advised to find a more affordable housing set-up; like living with relatives or having the house rented. But keep in mind that having your place rented can present problems of its own. You might find yourself with troublesome tenants that might lead you to more costs on repairs. 

If you are convinced that having your house rented out is the best option for you, research on what you need to know before putting up that sign. You need to first establish if your house can be rented out. Some homeowner associations do not allow rental. There could also be restrictions you should be aware of. Like in many college towns for example, laws have been passed to prohibit no more than two non-related adults to live in one single-family house.

The best thing to do is to seek legal advice from a lawyer. Each homeowner’s situation is unique. And different conditions apply so there is no one-fit solution to the problem. Just be open to various options and seek professional help so you can make informed decisions.

According to HouseMaster, a major home inspection company with offices in more than 390 cities in the United States and Canada, 40 percent of previously-owned homes have atleast one damage. Kathleen Kuhn, CEO and president of HouseMaster says, “Virtually every ‘used’ home needs some repair or improvement.” “That’s to be expected. But with today’s high prices, you want to make sure that you are aware of any major problems in a house you are considering purchasing, and what it will take to remedy the situation.”

From over one million home inspections, they’ve concluded that these are the most serious home defects to look out for:

• 1. Cracked heater exchange
• 2. Failing air-conditioning compressor
• 3. Environmental hazards including radon, water contamination, asbestos, lead paint, and underground storage tanks
• 4. Moisture in the basement
• 5. Defective roofing and/or flashings
• 6. Insect infestation — termites or carpenter ants
• 7. Mixed plumbing
• 8. Aluminum wiring
• 9. Horizontal foundation cracks
• 10. Major house settlement
• 11. Undersized electrical system
• 12. Chimney settling or separation

As per Kuhn, most of these damage can be repaired. But, depending on the gravity of the problem, it might cost you a lot especially if the problem is part of a major system. This is something that needs to be thought of before buying a house.

Roof repairs or a new roof could cost you at least thousands of dollars. A new air conditioning compressor could cost up to $1,200. To repair a basement will cost about $5,000. If you are already in the negotiating process, your agent should advise you to present a provision for renegotiating or backing out of the contract in the event that the inspector finds serious problems.

“If the property inspectors find that little or no corrective work is required, you have little or nothing to negotiate,” say Eric Tyson and Ray Brown in their book, Homebuying for Dummies. “Suppose, however, that your inspectors discover the $200,000 house you want to buy needs $20,000 of corrective work for termite and dry-rot damage, foundation repairs, and a new roof. Big corrective work bills can be deal killers.”

If however you are really bent on buying the house despite the problems, they offer these advises:

• The sellers can leave enough money in escrow to cover the cost of repairs, with instructions for the escrow officer to pay the contractors as the work is completed.
• The lender can withhold part of the full loan amount in a passbook savings account until the work has been done.
• The sellers may give a credit for the work. Lenders may disapprove of this last alternative because there aren’t assurances that the repairs will be made.

Get a qualified inspector. Their service costs between $250 and $400. If you want to ensure his credibility, ask for referrals from groups like organizations like the American Society of Home Inspectors or the American Association of Home Inspectors. New members are certified before they could join the group. You can also ask referrals from friends who has had to go through the same experience. But don’t leave everything to the home inspector. Invest a few hours with them asking them to explain the problem (if there are), what to look out for, how to keep your house well-maintained.

As Kuhn of HouseMasters say, “A pre-purchase inspection is your best protection against buying a home based more on emotions, rather than as a sound investment.”