IL License

A & N Mortgage Services, Inc.'s mission is to provide you with high quality programs tailored to fit your unique situation at some of the most competitive rates in the nation. Our professionals are accessible around the clock, and strive to obtain the best mortgage and real estate options, no matter the situation.

Illinois Residential Mortgage Licensee #MB.0006638 FL#MLD288 IN#11122 IA#2006-0064 MA#MC19291 MI#FL0012625 WI #19291BA NMLS# 19291


Does a Property Need to have Appliances?

Credit: Michelle Meiklejohn
Habitable Condition:  Property must be in a condition that is immediately habitable and must contain:

• At least one fully functional bathroom (i.e., shower/tub, toilet, and hand sink).

• Other bathroom(s), if not functional, must be escrowed for repair.

• A fully functional kitchen with appropriate appliances (i.e., sink, cabinets, utilities to support a stove and refrigerator).

• Stove and refrigerator do not need to be present if they are not a built-in, as non-built in appliances are considered personal property. Comparables without appliances are not required.

• If stove and oven are built-in, they must be functional, or the space must be reconfigured to allow for appliance.
• Utilities (gas and/or electricity) and plumbing must be functional. If not available for testing, due to "winterization"


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