Buyers Guide

The Doyle Team

Buyer’s Guide


Especially For



The Doyle Team

Judy and Chad Doyle 

Over 50 Years Combined Experience in Real Estate


Serving St. Clair, Madison, Clinton and Monroe County


Full-Time Real Estate Agents with an

Administrative Assistant


Named Top Real Estate Agents in 2013,

“Best in Client Satisfaction”

As Published in St Louis Business Journal, April 2012


 Steps In the Home Buying Process


  1. Working with The Doyle Team to Find the Right Home


  1. Getting Pre-Approved for Your Mortgage


  1. Making the Offer


  1. An Accepted Contract


  1. Closing on Your Home


Home Buying Process – Step 1


Working With The Doyle Team

To Find the Right Home


As your realtors, The Doyle Team will work hard to find you the right home and protect your best interests!


Did You Know?





The Advantages of Working With One Full Time Realtor






How We Can Help You Find the Right Home?





 How Long Will It Take to Find the Right Home?




Common Questions


What If I Drive By a Home and I Want to Know the Price and Home Information?

Call us right away! We will pull up the address on the Multiple Listing Service Program and provide you with all the details on the home.


What If I See an Ad in the Newspaper or a Homes Magazine?

Call us right away! We will get all the information you need on the house.


What If I Go Into an Open House Hosted by Another Realtor?

Please tell them you are working with The Doyle team and give them our business card.   The real professionals in the business protect each other’s customers – remember that realtor is representing the seller of that home – not you! If you like the house, we will go back with you and take a look at it together.   Call us right away!


It is in your best interest to talk to a loan representative prior to looking at homes.


Gettin Pre-Qualified for your loan - Step 2


How Do I Get Pre-Qualified?


You should call a Loan Officer and tell them you are starting your home search and that you would like to get pre-qualified. If you don’t know the name of a lender to call, we can provide you with a list of names and numbers that The Doyle Team ahs worked with.


Advantages of Getting Pre-Qualified





What To Expect When You Meet With a Lender








Information You Will Need at Loan Application









 Home Buying Process – Step 3


Making the Offer


You have found the right home! Now it is time to make an offer.


How Do I Make an Offer?





Why Do I Need to Make an Earnest Money Deposit?




What Happens to My Earnest Money Deposit?





What Happens After I Make an Offer?






Home Buying Process – Step 4


An Accepted Contract


Congratulations! You are now well on your way to being a home owner! After you have an accepted contract, here are the next couple of steps in the process. As a reminder, you will receive a letter from our Administrative Assistant, Karen, outlining the process.


The Home Inspection

You now have 20 days to have an inspection performed on the home you are purchasing.   We went over the Inspection Addendum on the contract with you, when we wrote the offer. A Home Inspection is a thorough visual explanation of the structure and operating components.


Who Should Have a Home Inspection?



How Do I Set Up a Home Inspection?




What Happens After the Home Inspection?






The Appraisal

An appraisal will be required by your lender to determine the value of your home. The appraisal will be ordered by your lender.


What is the Appraisal For?



The Final Mortgage Process


Termite Inspection


Homeowner’s Insurance


If Any Repairs Were Required


An Accepted Contract


Final Walk Through





Service Providers

Mortgage Companies

Bankers Home Lending, Patti Dieu                                618-222-7119

Bank of Edwardsville, Dave Demond                618-781-0664

FCB Swansea, Jeff Burgner                                          618-239-9000

FCB Collinsville, Bruce Cope                           618-346-9000

Gershman Mortgage, Jason Stauffer                              618-792-4597

Midwest Capital Mortgage, Jody Talick                        618-539-5968

Midwest Capital Mortgage, Ryan Luchtefeld                 618-624-0066

Pulaski Home Mortage, Jeff Birger



Home Inspection Companies


AHIS, Mark Perry                                                       618-570-8045

Mark Oldfield Inspection Service                                  618-628-2369

Sure Home Inspections                                     618-344-9220

Dan Mansmith                                                              618-223-0247



Termite/Pest Inspection Companies


A-1 Bush Termite and Pest Control                              618-233-5424

Allied Termite and Pest Control                                    618-235-1400

All-State Termite and Pest Control                                618-235-4500

Bi State Termite and Pest Control                                 866-646-7378

Brad’s Termite and Pest Control                                   618-344-3835





Additional Services




Home Repairs, Handyman

The House Helper, John Hibbard                                  618-660-6393


Siding, Roofing, Windows & Home Remodeling

F-M Contracting LLC, DJ Ficken                                 618-540-4072



Certa Pro Painters                                                        618-239-9300


Business Cards, Stationery, Rubber Stamps & More

Pearson’s Printing, Margaret Pearson                            618-537-9505


Financial Advisor

Paul Baeske, Morgan Stanley                                       618-628-2244


Digitizing, Embroidery, Quilting and Custom Gifts

Creating Stitched Memories, Candy Alford                   618-248-1230


Credit Fraud

MCS - The Benefits Company, Robert Stewart            618-632-2656


DSL, Internet Dial Up and PCS Wireless Phones

HTC Technologies, Craig Brown                                  618-939-9321


Business Cards, Stationery, Rubber Stamps & More

Pearson’s Printing, Margaret Pearson                            618-537-9505


Chiropractic Physician and Acupuncture

Stock Chiropractic, Dr. Ann Stock                               618-236-0028

Title & Escrow Agency

Benchmark Title Company, John Howe                        618-239-3750


Insurance – Auto, Home, Life, Long-Term Care, Annuities

Farmers Insurance Group, Dee Schweill                        618-277-5048



AJD Landscaping, Derek Johnson                                618-530-7135


Water Purification Systems and Gift Books

Reynolds Marketing, Robert E Reynolds                       866-631-8008


Computer Repair and Networking

SBA Computers, Inc, Rick Scaiefe                               618-628-9590



O’Fallon Progress, Judy Weatherly                               618-632-3643                                    


Home Buying Process – Step 5


Closing On Your Home





The Closing






You Are Now a

Home Owner!



The Doyle Team!

Judy, Chad and Karen




Contact Information
The Doyle Team

Judy Doyle



Chad Doyle



Karen Doyle Reilly

Unlicensed Assistant




Remax Preferred

4 Emerald Terrace

Swansea IL 62226


Fax 1-866-798-0205