Meet Rose Toma

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Rose Toma

Broker

312.282.9616

With over 20 years in the real estate industry, Rose's experience, love and growing knoweldge of the industry deepens and fine tunes itself year over year. When you are looking for an agent who cares, pays attention to the details and knows the value of giving great customer service, go with Rose. 

First time home buyes appreciate her guidance and abilitly to be their advocate and help them understand each milestone of a contract. 

As a graduate from Indiana University with a B.A. in Sociology, she found that her interest in the culturally diverse and fascinating Chicago neighborhoods easily led her to become a REALTOR. She enjoys guiding home buyers and sellers through real estate transactions from start to finish. She has a clear understanding of both sides of the transaction, whether helping a buyer find the perfect home or a helping a seller get the most money. This skill set has set her apart as an agent who knows how to handle and respond to a myriad of issues that may arise during a transaction. 

Having first hand knowledge and experience in Chicago and the Chicago-land area helps her best represent her clients buying and selling in that market. Together with her in-depth understanding of real estate transactions, her expertise in negotiating and passion for helping people through residentail real estate transactions, there is no better agent who will be your best choice as your advocate in achieving your real estate goals! 

Let Rose help you invest in your future with Real Estate! 

 

She is a member of:

Chicago Association of Realtors

National Association of Realtors

Illinois Association of Realtors 

 

Designations: 

  • ABR (Accredited Buyer Representation)
  • GREEN 

 

Updated: August 28, 2020

 

Hi There! Thanks for visiting my page.

 

FOR SELLERS:

 

Whether you are a seasoned seller or a first time seller, I can help you sell quickly and get you the most money for your property. My listings this year were sold in an average of 8 days with some being over the asking price. 

Considering selling? Here is my 3 step initial process: 

1. Initial phone call, meeting or zoom to get the basics of why you are selling, what you are selling, time frames, desired price etc. 

2. In-person walk through of your property. I'll ask you to show me around like I am a buyer and tell me about what you LOVE about the property, what you are thinking of changing and any future potentials you indentified. I'll take detailed notes and notate any improvements done or repairs that may be needed including any recent repair estimates. This step is important to get the full picuture of condition and lay-out to be able to best make adjustments for the comparable properties as not all properties are the the same. 

3. After I have viewed your property in person, in a few days  I will conduct a thorough market analysis so I can discuss the odds of selling, and the marketing and pricing strategy. After I have prepared a CMA, we will discuss the findings and if everything looks good, we'll move forward with signing the agreement and getting your property on the market! 

 

Contact me now for a digital version of my Pre-listing Presentation that will give you an overview of my amazing marketing package! 

 

FOR BUYERS: 

Whether you are a first time homewoners, purchased many homes or it's been multiple years since you purchased property, let me help you get familiar with the basics so you can best navigate the real estate process.

 

1. Your first step is the find an agent who will best represent your interests and be your advocate. Ask questions! Does your agent have an ABR desgination?

WHY USE AN ABR® Realtor?

Buying a home is no small matter. Besides being the largest financial transaction you may ever undertake, it's probably also the most complex. There are many good reasons to work with a qualified real estate professional—especially a trained professional who has earned the Accredited Buyer's Representative (ABR®) designation, representing best-in-class buyer services.

When you look for an ABR® before you look for a home, you'll be served, not sold. Your interests become their interests. And you'll be working with someone who has gone the extra mile by completing specialized training in delivering the best in buyer-representation services. Plus, a REALTOR® who has an ABR® designation also has an established track record, with proven experience in representing the concerns of homebuyers.

The ABR® designation is awarded through the Real Estate Buyer's Agent Council, or REBAC, which was founded in 1988 to promote superior buyer-representation skills and services. REBAC is an affiliate of the National Association of REALTORS® (NAR).

 

2. Assess your finances and credit. If you require a mortgage to purchase property, you'll need to have a handle on your finances. In particular, your credit score, your monthly debt owed, your savings or liquid funds balance, and how much money you have for a down payment and closing costs. 

3. Get a pre-approval from a lender. Ask your Agent or her best referrals of tried and true loan officers who know the job and work hard for their clients to give them the best deal and excellent service! Working with a lender such as any of our Proper Rate loan officers will be sure to give you personalized service from start to finish. They will get to know you and you particular situation so you won't find yourself repeating your financial details  each time you call in as you may find with many larger banks and lenders whose loan officers are salarie employees. With a preferred lender from your agent, you won't have to worry about being tricked into paying "points" to lower your interest rate. They will save you headaches, time AND money with no hidden fees. 

4. Assess what your needs are for your new purchase. Location? min # of beds, bathrooms? What is a comfortable monthly budget including taxes and insurance? 

5. Search for your home.

6. Make an offer and negotiate terms.

7. Obtain a mortgage. 

8. Go through the process on your home purchase contract. This includes an inspection which is generally conducted within 3-5 days of a signed contract, moving through the attorney apporval process, submitting the  total earnest money, receiving a Clear to Close confirmation from your lender and the final walk through. 

9. Close.

10. Move.

11. Celebrate! 

 

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Over years, I have developed relationships with contract partners essential to residential real estate. I am happy to refer excellent closing Attorney's (Illinois is an attorney state so in most cases an attorney is recommended), Home Inspectors, contractors, handypeople and more! 

TRUST|CONFIDENCE|INTEGRITY

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