Kathleen Linsner

Kathleen Linsner

Real Estate Agent
  • 630-642-0194
  • 630-897-8774
  • 630-897-4114
  • 1999 W Galena Blvd
    Aurora, IL 60506
Contact Me

Welcome to my Website

Searching for your next home? Try our state-of-the-art map search – with it you can quickly search the entire market. Simply type the address, city, MLS ID, or just hit the search button to get started. The large format map allows you to click and drag, zoom in and view detailed information and photos for all properties currently listed on the MLS.

Selling your home? No other website in the market will showcase your listing with up to 50 high resolution photos! In addition to advertising your property on my own website, I syndicate your listing to other real estate websites across the web.

Whether you are selling your home, searching for your next home, or have any questions about the process – I look forward to helping you!

Personal Background

I've lived in the Chicagoland area all of my life, growing up in West Chicago.  I've lived in Bartlett, Batavia, Aurora and North Aurora.  I've worked as an Office Manager/Administrator for the past 25 years and my love for Real Estate has driven me to pursue real estate as a second career.  My father was a carpenter by trade and I've learned a lot over the years from him as far as building construction.

Personal Interests

I'm an outdoorsy person and love any opportunity I can get to explore the areas forest preserves, bike paths and many wonderful festivals that take place during the spring, summer and fall.  I enjoy running, biking and swimming, triathlons and am a Beachbody coach. I enjoy adventure vacations:  hiking the Rocky Mountains, white water rafting, bike trips, etc.  

How Supply & Demand Impact the Real Estate Market

Don’t Disqualify Yourself… Over Half of All Loans Approved Have a FICO Score Under 750

Don’t Disqualify Yourself… Over Half of All Loans Approved Have a FICO Score Under 750 | Keeping Current Matters

The results of countless studies have shown that potential home buyers, and even current homeowners, have an inflated view of what is really required to qualify for a mortgage in today’s market.

One such study by the Wharton School of Business at the University of Pennsylvania, revealed that many Millennials have not yet considered purchasing a home, simply because they don’t believe they can qualify for a mortgage.

The article quoted Jessica Lautz, the National Association of Realtors’ Managing Director of Survey Research, as saying that there is a significant population that does not think they will be approved for a mortgage and doesn’t even try. The article also quoted Fannie Mae CEO Tim Mayopoulos: 

“I do think that there’s a sense out there in the marketplace among borrowers that credit may not be available, especially for people with lower credit scores.”

Ellie Mae’s Vice President, Jonas Moe recently encouraged buyers to know their options before assuming that they do not qualify for a mortgage:

“Many potential home buyers are 'disqualifying' themselves. You don't need a 750 FICO Score and a 20% down payment to buy.”

So what credit score is necessary?

Below is a breakdown of the FICO Score Distribution of all closed (approved) loans in August from Ellie Mae’s latest Origination Report.


Over 50% of all approved loans had a FICO Score under 750. Many potential home buyers believe that they need a score over 780 to qualify.

Bottom Line

If owning a home of your own has always been a dream of yours and you are ready and willing to buy, find out if you are able to! Meet with a local real estate professional who can help you determine if your dreams can become a reality sooner than you thought


4 Reasons to Buy This Fall

4 Reasons to Buy This Fall | Keeping Current Matters

It’s that time of year; the seasons are changing and with them come thoughts of the upcoming holidays, family get-togethers, and planning for a new year. Those who are on the fence about whether or not now is the right time to buy don’t have to look much further to find four great reasons to consider buying a home now, instead of waiting.

1. Prices Will Continue to Rise

CoreLogic’s latest Home Price Index reports that home prices have appreciated by 6% over the last 12 months. The same report predicts that prices will continue to increase at a rate of 5.4% over the next year. The Home Price Expectation Survey polls a distinguished panel of over 100 economists, investment strategists, and housing market analysts. Their most recent report projects home values to appreciate by more than 3.5% a year for the next 5 years.

The bottom in home prices has come and gone. Home values will continue to appreciate for years. Waiting no longer makes sense.

2. Mortgage Interest Rates Remain at Historic Lows

Freddie Mac’s Primary Mortgage Market Survey shows that interest rates for a 30-year mortgage have remained at or below 3.5% for 13 consecutive weeks. The Mortgage Bankers Association, Freddie Mac & the National Association of Realtors are in unison, projecting that rates will increase by this time next year.

Any increase in rates will impact YOUR monthly mortgage payment. A year from now, the percentage of your income that you spend on housing will increase substantially if you choose to wait.

3. Either Way You Are Paying a Mortgage

Everyone should realize that, unless you are living with your parents rent-free, you are paying a mortgage - either your mortgage or your landlord’s. As a paper from the Joint Center for Housing Studies at Harvard University explains:

“Households must consume housing whether they own or rent. Not even accounting for more favorable tax treatment of owning, homeowners pay debt service to pay down their own principal while households that rent pay down the principal of a landlord plus a rate of return. That’s yet another reason owning often does—as Americans intuit—end up making more financial sense than renting.”

4. It’s Time to Move on with Your Life

The ‘cost’ of a home is determined by two major components: the price of the home and the current mortgage rate. It appears that both are on the rise.

But what if they weren’t? Would you wait?

Look at the actual reason you are buying and decide whether it is worth waiting. Whether you want to have a great place for your children to grow up, you want your family to be safer or you just want to have control over renovations, maybe now is the time to buy.

If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings

Renting or Buying, You're still paying a Mortgage

Whether You Rent or Buy, You’re Paying a Mortgage

by  on August 22, 2016 in First Time HomebuyersFor BuyersInterest Rates


Whether You Rent or Buy, You’re Paying a Mortgage | Keeping Current Matters

There are some people that have not purchased a home because they are uncomfortable taking on the obligation of a mortgage. Everyone should realize that, unless you are living with your parents rent free, you are paying a mortgage - either yours or your landlord’s.

As The Joint Center for Housing Studies at Harvard University explains:

“Households must consume housing whether they own or rent. Not even accounting for more favorable tax treatment of owning, homeowners pay debt service to pay down their own principal while households that rent pay down the principal of a landlord plus a rate of return.  

That’s yet another reason owning often does—as Americans intuit—end up making more financial sense than renting.”

Christina Boyle, a Senior Vice President, Head of Single-Family Sales & Relationship Management at Freddie Mac, explains another benefit of securing a mortgage vs. paying rent:

“With a 30-year fixed rate mortgage, you’ll have the certainty & stability of knowing what your mortgage payment will be for the next 30 years – unlike rents which will continue to rise over the next three decades.”

As an owner, your mortgage payment is a form of ‘forced savings’ which allows you to have equity in your home that you can tap into later in life. As a renter, you guarantee the landlord is the person with that equity.

Interest rates are still at historic lows, making it one of the best times to secure a mortgage and make a move into your dream home. Freddie Mac’s latest report shows that rates across the country were 3.43% last week.

Bottom Line

Whether you are looking for a primary residence for the first time or are considering a vacation home on the shore, now may be the time to buy.

Sales at Highest Pace in 9 Years [INFOGRAPHIC] | Keeping Current Matters

Some Highlights:

  • Sales of existing homes reached the highest annual pace in over 9 years at 5.29 million.
  • Inventory remains below the 6-month norm and prices are still on the rise.
  • Interest rates are at a historic low of 3.48%.

Selling Your Home? 10 Inexpensive Staging Tips-Staging to Sell your Home Fast

Looking to Sell?

Hurry Up and List Your House TODAY!!


That headline might be a little aggressive. However, as the data on the 2016 housing market begins to roll in, we can definitely say one thing: If you are considering selling, IT IS TIME TO LIST YOUR HOME!

The May numbers are not in yet, but the April numbers were sensational. Jonathon Smoke, Chief Economist at realtor.com, explained:

“We had a triple crown of April home sales reports, so 2016 is in the pole position to earn best year of home sales in a decade.”

And Freddie Mac also expressed a tremendous optimism regarding home sales for the rest of the summer:

“Home sales typically rise in the spring and summer months, and we anticipate acceleration in home sales that will surpass 2007’s pace by late summer.”

The only challenge to the market is a severe lack of inventory. A balanced market would have a full six-month supply of homes for sale. Currently, there is less than a five-month supply of inventory. This represents a decrease in supply of 3.6% from the same time last year.

Bottom Line

With demand increasing and supply dropping, this may be the perfect time to get the best price for your home. Contact a local real estate professional today to see whether that is the case in your neighborhood.

How much will your project cost

Here's a good  resource to help you figure out approximately how much that home improvement project will cost you.  Copy and past the link below to get you to Homeadvisor








  • Realtor
  • Equal Housing Opportunity
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Thinking of For Sale By Owner? Think Again!

Thinking You Should FSBO? Think Again 

Thinking You Should FSBO? Think Again [INFOGRAPHIC] | Keeping Current Matters

Some Highlights: 

According to NAR's Profile of Home Buyers & Sellers:

  • 88% of buyers look for their new home online.
  • Using a real estate agent can net you $39,000 more than FSBO'ing.
  • There is a long list of people that you will have to negotiate with when you decide to sell your home, using an experienced professional can help ease the process


Read More