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Letter from Outreach Director 
Teresa Lambarry 
 
  
Good Day! 
 
  
Well, you have been in your home for some time now and you are really getting tired of coming home to the same old thing every day! The trouble is that you really still cannot afford a total makeover of your living space.   
  
We are not having the Extreme Room Makeover this year, but we still wanted to give you some creative tips from our Designer partners:  Eunissa Ramirez of Designs by Eunissa, Ed Shephard of Mitchell Gold & Bob Williams, and Kim and Scott Vargo of YellowBrickHome.  All of them were judges for the CCLT's Extreme Room Makeover 2014.  This month they are taking time from their busy schedules to answer Ed Finkel's questions and contribute ideas on how to go about redesigning your home on a budget. 
  
I hope that you find this feature article not only interesting, but helpful as well. 
  
See you next month! 
  
  
Teresa Lambarry 
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 Bruce Gottschall  President
   Patricia Abrams  Vice-President
   Ofelia Navarro  Secretary
   Lawrence Grisham   Ex-officio Director
   Calvin Holmes  Treasurer
   Joy Aruguete  Joel Bookman  Pamela Gecan 
Cornelius Griggs 
Timothy Hughes  Edward H. Jacob  Rosanna Marquez  Robert McGhee  Guacolda Reyes  William W. Towns  Marva Williams 
Jeffrey Wright
   Staff  Kara Breems,  Executive Director
   Teresa Lambarry,  Outreach Director 
  
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 CCLT'S Homeowner Tip of the Month 
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 Updating your home? 
You do not have to inform the CCLT if you do not have to take out a permit to conduct the updates you want on your home. Click here to see the steps construction guidelines as well as a list of updates that need permits from the City.   
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 Next Month's Homeowner's Corner: Share your tips or stories about your credit 
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 Credit
 
  
Remember that it is always good to keep up with what is going on with your credit.  It is not only important at the time that you buy your property but your good credit speaks a lot about your habits and your responsibility.  
  
Some employers before they hire you will run your credit report, insurance companies before giving you a quote will often run your credit report and you pay a heavy price if your credit report is bad. 
  
In August we would like to share your stories of good things that happened with your credit as well as if my some chance something happened that was a nightmare and how you were able to clear it up. 
  
Send me your tips and stories to share no later than Monday, August 10, 2015 - 4:30 p.m. 
 Next month will be the last month in 2015 that you will be able to send in your tips and recommendations and participate in the raffle of a $25 Home Depot gift card. 
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Find our the 10 top volunteering opportunities in Chicago  click here.  
 
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FIND OUT WHAT IS HAPPENING IN YOUR WARD: 
  
Below are links to all the wards were CCLT homeowners are living in. 
  
If you don't see your Ward or if your ward has changed please bring it to my attention.  Use the link to access your Ward newsletter and find out how to engage in your own community. 
  
 
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 | Featured Article:  
 Home Designs on a Dime  
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'Extreme Room Makeover' judges give tips on sprucing up your space on a budget. 
  
Are you looking to give your house an extreme makeover? Or just to make some subtler changes that will make your old rooms feel fresh and new again? 
  
A few judges from last year's "Extreme Room Makeover" contest put on by the Chicago Community Land Trust shared their affordable tips on everything from reupholstering furniture, to painting patterns, to adding accessories. 
There are countless directions a homeowner could go, even on a budget, so here are just a handful of ideas: 
- Start by tidying up. Eunissa Ramirez of Designs by Eunissa suggests reading the book, "the life-changing magic of tidying up,by marie kondo[EJF1] . "Starting off with a clean space will help in deciding what is actually needed and what can fit in the room," she says. "Does it have too much furniture in it? Are there items that could be donated, disposed of, or recycled?" Adds Ed Shepard, design associate with Mitchell Gold + Bob Williams, "That costs no money, to edit our lives, simplify our lives, take away things that are not adding to the comfort and beauty of our home. Look at your house with new eyes and extract-only have what you need."
  
- Paint. "This is truly the easiest way to transform your space," Ramirez says. "You can get fancy designs by using stencils, or hire an art student to add a fun design on a focal wall."
  
- Do-it-yourself projects. Shepard mentions reupholstering single-seat chairs with fabric and a staple gun. Or you can repaint pieces of furniture to give them new life, he says. Old cabinetry can be redecorated with new knobs from the local hardware store.
  
- Mix old furniture with new. Buying a whole dining room or living room set will set you back, not to mention that this "will ultimately lend an impersonal feel to your home," says Kim Vargo, interior design blogger with her husband, Scott, at www.yellowbrickhome.com. "If you find the perfect dining room table at your favorite retail store, consider searching online classifieds, flea markets and thrift stores for vintage chairs."
  
- Mix high and low end. "A luxurious set of sheets paired with throw pillows from your local HomeGoods or a well made couch surrounded with affordable poufs will keep change in your pocket," Vargo says
  
- Consider adding accessories. Just a few throw pillows, framed mirrors or pictures, or a trio of favorite collectibles on a shelf or table can spruce up a room, Ramirez says. You can recover old pillows with minimal sewing, using discount fabrics from any fabric store, a craft store like Michael's, or a super-store like Walmart, she says.
  
- Buy only what grabs you. "Don't feel the need to fill every corner of your room right away," Vargo says. "Resist the urge to outfit every room in your home from head to toe. Laying over time will not only create a more intentional home, but a more characteristically 'you' home as well."
  
- Don't be ashamed of your budget. "Let's say your child is leaving for college and you want to repurpose that room for yourself," Shepard says. "You have to identify that budget. ... If I have $100 to fix my child's room, what can I do?"
  
- Consider spending an hour with a design professional. They can give you specific ideas for your home, Shepard says. "They can say, 'You can change these chairs. You can paint this.' You can cut down on making mistakes and get directions." And, you can get a ballpark figure, he says.
  
 
 
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 This month I was very pleased to hear from one of our CCLT homeowners (Jon McNeely) and another newly participating affordable homeowner (Selena Armstrong).  Below you will find their tips and recommendations of how to make changes to your home economically.  The winner of the Home Depot gift card is Selena Armstrong.  Thank you both for your contributions. 
   
Jon McNeely states: 
Most of the things I've done to my unit were only cheaper because they were "do-it-yourself" projects.  My dad's a big DIY guy and he's been nice enough to come up to help me when I wanted to change the look of my unit.  Of course some of the projects are still in progress. 
  
We switched out the carpet in our living space that extended all the way to our front entry for hardwood.  We found a store with a grand opening and special deals on wood flooring.  So instead of costing $5/sq.ft. it ended up being $.75/sq.ft.  See attached photo.   
I also changed out the light fixture at the front door to something a little more decorative.  I would also talk about painting, but my wife doesn't like my original choice of colors. 
  
  
Selena Armstrong states: 
When I moved into my home I painted every room except my master bathroom.  I left the off white paint color in my bathroom.  I did that on purpose.  I wanted to be able to change the look using accessories and adding pops of color.  Recently I decided to paint my bathroom a bright and vivid white.  I change the color of my bathroom twice a year.  In the Fall I change to a deep blue color.  I change the curtains, rugs, towels and candles around my tub and on the vanity.  In the spring I change to a light green or you might call it jade.  It's light and airy and I feel as though I've changed the look and feel of my bath without spending any money.  I just change my personal scent and decorate my bath with bath gels, lotions and other potions, in colors that complement the color change. 
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 Current CCLT Property Listings 
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 Loop Area 
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 Andersonville Resale - Under Contract
  
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 Logan Square 
Under Contract 
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1345 South Wabash, 60605  
Condos - 1 Bd 1 Bath
  
ONLY 1 UNIT LEFT! HURRY! 
Special Home Sales Program 
- One-bedroom condominiums for $133,000
 - Beautifully  finished with elegant cabinetry and stainless steel  appliances
 - Affordable property taxes
 - Premier downtown location close to lakefront, parks restaurants and  public transportation
  
Deliveries in Spring 2015 
  
  
 
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4814 North Clark Street, Unit 411 - 60640 - Condo  
2 Bd 2 Bath 
 
Priced at $147,750. Buyers must earn 100% AMI or below to purchase the unit. 
 
 
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 Household   Size 
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Maximum   income 
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  1 person 
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 $53,200 
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 2   persons 
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 $60,800 
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 3   persons 
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 $68,400 
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 4   persons 
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 $76,000 
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 5   persons 
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 $82,100 
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 6   persons 
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 $83,790 
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 7   persons 
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 $94,300 
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 8   persons 
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 $100,400 
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1756 North Kedzie, Unit F - Large Townhome  
4 Bd 1 1/2 Bath Unfinished Basement - Under Contract 
Open floor plan with room on second floor to put your office.  
 Must be at or below 80% AMI in order to purchase: 
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 Household   Size 
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 Maximum   income 
80%   AMI  
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  1 person 
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 $42,600 
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 2   persons 
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 $48,650 
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 3   persons 
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 $54,750 
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 4   persons 
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 $60,800 
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 5   persons 
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 $65,700 
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 6   persons 
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 $70,550 
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 7   persons 
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 $75,400 
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 8   persons 
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 $80,300 
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Near West Side - Resale Unit
  
659 West Randolph, Unit 504 - Studio 
 Priced at $143,500 
A Studio  in the HOT West Loop neighborhood. This north facing unit features hardwood flooring throughout, stainless steel appliances, 42"   There is a generous walk-in closet and high contemporary cabinetry and granite counters.
 efficiency front load washer and dryer in the unit.  
The building features a fitness center, 24 hour doorman, dog run, party room, bike storage and pool@  Assessments include everything except electric. 
Walk to work in the loop or walk to CTA or Metra!   
Also walk to Whole Foods, Mariano's Jewel,and Walmart.  Steps to bars and fine dining  
along Restaurant Row. Divvy station located directly across the street. 
Plenty of parking is available for rent in the area. 
  
                                                                                      
To view call Tara Scott at 312.261.2415                     
 
 Income and other restrictions apply: 
 
 
 *  Mortgage pre-approval by one of CCLT participating lenders 
*  Homebuyer, Condo & CCLT raining required 
  
Buyer must be income qualified at or below 100% AMI 
 
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 Household   Size 
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 Maximum   income 
100% 
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 1 person 
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 $53,200 
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 2   persons 
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 $60,800 
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                                        For more information email Teresa Lambarry                       at teresa.lambarry@cityofchicago.org or call her at 312.744.5086  | 
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 Near North Side 
438/454 West Oak 
Condos 4 - 1 Bd 1 Bath $123,000 - Parking Indoor $25,000 Outdoor $15,000
  
            2 - 3 Bd 1 bath $178,000 - Parking Indoor $25,000 Outdoor $15,000 
Specification:   
 
Wood Flooring, 9" ceiling height, over-sized casement and picture windows, maple finish kitchen cabinets, refrigerator, stove, dishwasher hood fan/microwave, food disposal, bedrooms carpeted, closets bi=fold doors, bathroom porcelain tile, 5' tub, 
 medicine cabinet, high efficiency Energy Star furnace with air conditioning and humidifier. Yard professionally landscaped.  Fire protection sprinklers.
  To View Units Please call: Heather Gustafson - 312.399.9816 or
 heather@atproperties.com
  
 
 
Income and other restrictions apply: 
  
Mortgage pre-approval by one of CCLT participating lender.  Homebuyer, Condo & CCLT training required. 
  
For more information regarding requirements:
  
Teresa Lambarry 312.744.5086 or email 
teresa.lambarry@cityofchicago.org 
 
 
 
 
Buyers must earn 100% AMI or below to purchase the unit.                                                                                 
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 Household Size 
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Maximum income 
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  1 person 
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 $53,200 
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 2 persons 
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 $60,800 
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 3 persons 
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 $68,400 
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 4 persons 
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 $76,000 
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 5 persons 
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 $82,100 
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 6 persons 
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 $83,790 
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 7 persons 
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 $94,300 
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 8 persons 
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 $100,400 
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