LANCE KAMMES

Lance Kammes is based in Wheaton, IL and serves the greater Chicagoland area specializing in DuPage, Kane and Will Counties

Real estate agent with over 35+ years experience. Lance’s high code of ethics, experience and tenacity has consistently won him countless awards and he has been recognized as one of the “Top Real Estate Agents in the United States”. To date, he has successfully closed 1,915 real estate transactions (over $620,000,000 in sales volume.) Lance is committed to providing the best service possible, and this dedication is validated by the vast number of past client referrals he receives. Lance brings together management and salesmanship skills that make the whole real estate experience “World Class” for you! Lance is the mastermind behind all marketing efforts for the Kammes Team.

Many loan companies will require a FICO score of 620 or higher. Obviously, higher credit scores will represent a far less risk to the lender, thus a lower the down payment and interest rate.

11% is the national average in terms of a down payments. This includes first time and repeat buyers. 

In a home buying process, getting pre-approved for a mortgage is the first step.  It is mandatory for the home buyer to get a pre-approval letter from a lender as it demonstrates to your agent and the seller that you’re a serious buyer.

A Listing Agent is the one who lists a property for sale on the Multiple Listing Service. They usually deal with the sellers.

A Selling Agent is the one who sells the MLS listed home. They mostly deal with the homebuyers.