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Thank you for visiting today. If this is your first visit, take your time and look around. We have plenty of information and resources available to you. If you are a return visitor, thank you. We would love to hear from you and tell you how we can serve all your real estate needs. Call Concept Real Estate today at
(618) 281-7100

If you need direct contact for any of our agents here is their contact info.

Deb Campbell
(314) 956-0080
dcampbell@conceptrealtors.com

Angie Causey
(618) 781-9092
angie@conceptrealtors.com

Gregg Crawford
(618) 977-5318
gcrawford@conceptrealtors.com 

Jane Crawford
(618) 977-7065
jcrawford@conceptrealtors.com

Rob Davis
(618) 558-5710
rdavis@conceptrealtors.com

Nick Gibson
(314) 666-4318
ngibson@conceptrealtors.com

Tari Jacobs
(618) 974-8899
tjacobs@conceptrealtors.com

Kelly Rompel
(618) 334-1214
krompel@conceptrealtors.com

Stephen Rothermich
(636) 734-3774
srothermich@conceptrealtors.com

Kathy Sainz
(314) 605-0755
ksainz@conceptrealtors.com

Blake Salger
(618) 791-0210
bsalger@conceptrealtors.com

Katie Stumpf
(618) 504-0788
kstumpf@conceptrealtors.com

Inger Varel
(618) 920-7799
ivarel@conceptrealtors.com

Jim VonDerHaar
(314) 494-8874 
jimv@conceptrealtors.com

You can always call our office and we will get a message to any of our agents (618) 281-7100.

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Avoiding Financial Stress

By asking the right questions, and knowing exactly what your needs are, you can find the right loan for you. There are certain approaches that you can take while mortgage shopping that can cost or save you money.

It is still true that the better qualifications you have, the lower your interest rate will be. However, there are mortgages available for almost everyone; it's the interest rates or the down payments that vary.

Before speaking with a lender, know what monthly dollar amount you feel comfortable committing to. Then when you discuss mortgage pre-approval with your lender, it is easier for you to determine the monthly amount and what value of home the monthly amount translates into. Do not put yourself in the position where you will be paying more each month than you intended simply because the dream home requires it.

Do your research on the types of mortgages available to you and find the one that best suits your needs. There are a number of considerations to be made in terms of finding the best mortgage for each individual:

  • What type of market are you in? Are the interest rates falling or rising?
  • Do you want a fixed mortgage rate, where you will always know what your payment is going to be?
  • What are your long-term goals? Do you intend to resell the property? Do you only need the mortgage for a short time?
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agent photo


Jane Crawford, SFR
Managing Broker
111 N. Main St.
Columbia, IL 62236
Phone: 618-281-7100

jcrawford@conceptrealtors.com

Testimonials

Thanks for all your help in making our "dream home" a reality. We really appreciated that you went the extra mile to get us the best price for our home. You are truly a professional. John and Mary Blosum
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ABR - Accredited Buyer RepresentativeCRS - Certified Residential Specialiste-PROEqual Housing OpportunityGRI - Graduate, REALTOR® InstituteMLS membershipREALTOR® certificationNAR Green

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