Welcome! A touch stone for things related to real estate...or whatever happens to float through the mind of the Realtor on point. Here you will find important information, irrelevant information, tidbits intended to ease the way for greater joy, well, you just never know what you will find on this Blog. Just scroll through all the little bits that have been shared over time and see if anything at all grabs your interest. If don't see just what you're looking for right this minute, I hope you will stop back by because you just never know what the next post will be!

Whether you are in Austin, Texas, the surrounding areas, any of the Far Western Suburbs of Chicago in Illinois, or maybe even far-reaching places all over the globe, please come back and visit this real estate centered Blog. Now, after checking out the updates, go have a great day! You deserve it.

Sunday, March 20, 2016

Kay Russell's Blog


Why should you care who represents you in the sale or purchase of one of the biggest investments in your life? Well, at least it's the biggest investment most people make. You should care who helps you, who gives you guidance, who is willing to share their time and experience to help you achieve your goals in home ownership. There are ten bazillion real estate agents around the globe. OK so I'm not really sure how many a bazillion is however my guess is it's a bunch. 

How do you find the one that is a good fit for you? Now that's a question worth pondering.

Real estate is a big deal. So is the person you choose as your conduit in helping you achieve your goals. They are a big deal from the perspective of being that person with whom you feel comfortable. It needs to be someone you trust, or at least you feel you can develop trust in the relationship. Once you cross that bridge into the land of mutual trust, it is essential that person have experience to help you negotiate the tricky waters of selling and acquiring real estate. These days it's different than in years past. Today it is essential to work with an experienced agent who has the ability to help smooth the way through from beginning to end. 

If you are selling property, the process begins way before the listing starts. At least if you are smart and have accepted the benefit of expert guidance you will soon see that the moment of selling your property begins way before anyone else on the planet knows this big thing is about to happen.
Done properly, to position you in the best possible place for success, the first contact with your agent needs to happen before you even clean out the first closet. Seriously. I find sellers all the time who spend too many days and dollars doing things around the property "getting it ready" when with expert guidance they could have accomplished the process in a much more gentle fashion. Any of my clients will tell you there are times I've come in for the advance meeting and said they really need to do very little to be ready. In those cases it's more about making sure their understanding of the market and on dollars is correctly focused. 

There are plenty of other times where I'll come in and gently advise that the first thing we need to do is get the guys from Junk Remedy or College Hunks Hauling Junk over to reclaim the place that once was great. Hey, no judging, we all collect lots of "treasures" however when it's time to sell, time to move, it's time to de-clutter. If you've had "it", whatever "it" is, and have not used it nor looked at it for over 2 years then I might question how essential it is and do you really need to move it....just a thought.

Well, I'm running out of time this morning to write any more as I'm out the door in a flash meeting with past clients whom I've helped in 13 transactions over time. I'm serious - I get to work with the most awesome people anywhere. Total truth!

Have a great day, whatever you are doing, and please check in later. I'll be spouting off about some other subject, or may actually continue on this one if the mood strikes me. And remember
What You Focus On Expands!
What does that mean? More on this subject later. It's an important one!
Kay Russell,  Realtor
Keller Williams Realty
Austin, Texas and Chicago, Illinois

Friday, April 19, 2013

Meet Kay Russell, Real Estate Broker

Sunday, February 17, 2013

Enjoy The Sun Room! at

This is a wonderful home located in St. Charles convenient to both downtown and also everything along Randall Road. Great price, too. Several nice surprises in this property including a sun room, paver sidewalk and patio, large storage room and laundry area. In super nice condition, too. You can check it out by shooting me an email at

Friday, August 17, 2012

Mortgage Time

When is the right time to talk to a mortgage lender? when you have the first thought of wanting to buy a home. It is a great time to buy rather than rent. with such low interest rates & property prices where they are, you can usually own with a monthly mortgage payment lower than rent you'd pay on a similar piece of property. Your real estate broker can offer names of reputable lenders so you can be properly pre-qualified so you know the top purchase price to keep you in your comfort zone. Short sale, foreclosure, traditional non-distress sales...all options in today 's real estate market. For more info on short sales & debt forgiveness, contact the author of this Blog; Kay Russell, Broker, Keller Williams Fox Valley Realty.

Friday, July 6, 2012

Finished Basement, Fenced Yard! at

If you seek a home with room to breathe, that offers 5 true bedrooms, or 4 bedrooms with a really large bonus room, a finished basement, a big fenced in yard, a deck, a patio, located on a cul-de-sac, in Batavia School District 101 in IL, that is also near to I-88 and the Metra commuter train for hops downtown Chicago, then you are "HOME". Check this out. Let me know if you want to know more. Oh, and yes, the yard really is a nice and big as it looks! No photo optic tricks here!

Sunday, May 13, 2012

Mother's Day

It occurs to me today, Mother's Day, this is an important time to acknowledge all those who have nurtured or protected us over the years. Though not everyone has given birth, there are mothers of choice, mothers of family pets, caretakers of the well being of others, or maybe a mother of invention. whatever role you or a loved one has filled, feel honored for your contribution to elevating the life of another. Today's real estate market brings out the motherly love in many ways, a true real estate professional who is experienced can make an enormous difference in the life of a family about to lose their home, can help them move beyond the crisis, re-settle and find the way to heal their credit. I have had the chance to help many people avoid foreclosure, as well as simply get their home sold in these tricky times. Know a homeowner who needs to sell their real estate though does not know how to proceed? Let me help. The light at the end of the tunnel is not a train!

Friday, February 24, 2012

30 Year Fixed Rate Inches Up

After Hitting Record Low, 30-Year Fixed Rate Inches Up
02/23/2012 BY: ESTHER CHO   
After hitting near record lows last week, the 30-year fixed-rate mortgage moved up for the first time in three weeks, according to the Primary Mortgage Market Survey from Freddie Mac.

The 30-year rate averaged 3.95 percent (0.8 point) for the week ending February 23, up from last week’s average at 3.87. The rate is still lower than the average of 4.95 percent from a year ago at this time.
Amid the slight hike after continuing declines for the 30-year rate were reports that the housing market is on a slow road to recovery.
“New data releases this week suggest the housing market is continuing to gradually improve,” said Frank Nothaft, VP and chief economist for Freddie Mac, in a statement. “Loans that were seriously delinquent (90 days or more past due plus the foreclosure inventory) fell to 5.3 percent of prime mortgages at the end of 2011, representing the lowest quarterly share since the start of 2009, according to the Mortgage Bankers Association.”
Northaft also mentioned data from the National Association of Realtors that showed existing-home sales were at the strongest pace in January since May 2010.
The 15-year fixed rate mortgage averaged 3.19 percent (0.8 point), up from 3.16 percent. At this time last year, the 15-year rate was 4.22 percent.
The 5-year adjustable rate mortgage (ARM) saw a slight decrease at 2.80 percent (0.7 point) this week compared to 2.82 percent last week. A year ago this time, the 5-year ARM was at 3.80 percent.
The 1-year ARM also continued to drop at 2.73 percent (0.6 point), down from 2.84 percent last week. During this time last year, the average was 3.40 percent.

Recent Articles

New Technology for Asset Disposition

Point2Homes Includes Foreclosure Feature for Buyers

Market Report Shows Positive Trend but Weak Market Conditions

Overdue Mortgages Number 6,082,000

Author: Esther Cho • Date: 02/23/2012 • Tags: Mortgage Rates, Freddie Mac • Category: Market Studies     • Users: Agents & Brokers, Attorneys & Title Companies, Investors, Lenders & Servicers, Service Providers