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Starck Report Newsletter Fun Stuff to do in October! Arlington Heights Harmony Fest

A Fall-Color Tree Walk

From beats to bites -- we're turning up the music and the flavor at Harmony Fest featuring the Taste of Arlington Heights on Friday, Oct. 3rd, 5-11 p.m., and Saturday, Oct. 4th, 3 - 11 p.m.! Join the Village of Arlington Heights and the Arlington Heights Chamber of Commerce for free concerts in Harmony Park, and amazing food and drinks from Arlington Heights restaurants! Kiddos can enjoy fun games in the Nak4 Kids' Zone, 5-7 on Friday and 4-7 on Saturday.

Check out the fall colors at the Chicago Botanic Garden. Take a fall-color tree walk from the Visitor Center to the Daniel F. and Ada L. Rice Plant Conservation Science Center. While it is true that prime fall color occurs at the Garden during the first two weeks of October, it is also true that there is a nonstop fall show that spans a much longer period of time, late summer to late autumn, achieving a crescendo of color in those peak weeks of October. Cook County residents: Adults $23.95, Children 3-12 $15.95. Non-Cook County Residents: Adults $25.95, Children 3-12 $17.95

Date & Time: October 3–4 (all day) Address: Harmony Park, Downtown Arlington Heights

Algonquin Harvest Market Kick off autumn at the annual Algonquin Harvest Market. Head to historic downtown Algonquin for fresh produce, art, crafts, good food, great entertainment, giveaways, and family fun! Brought to you by the Rotary Club of Algonquin. Date & Time: Oct 4, 2025, 10:00 am – 4:00 pm Address: S Main St & Washington St, Algonquin, IL 60102

Jumptoberfest Annual Ski Jump Tournament in Fox River Grove. Ski jumpers from around the world compete on our 70-meter hill. Great Food and Beverages, Children 12 and Under Free. Free Parking. No Carry-Ins Allowed. No Dogs Allowed. Norge Ski Jump is held rain or shine. Purchase buttons at the gate $25.00 Date & Time: Oct 4-5, 2025, Saturday 10:30 PM – 6:00 PM, Sunday 11:00 AM – 6:00 PM Address: 100 Ski Hill Rd, Fox River Grove, IL 60021

Stick of Butter Mississippi Chicken Spaghetti This Mississippi chicken spaghetti is a slow cooker dinner that is buttery and cheesy to the max, with a tangy pop from pepperoncini peppers. Courtesy of Allrecipes.com, By Nicole McLaughlin Prep Time: 15 mins, Cook Time: 2 hrs 30 mins, Servings: 8 INGREDIENTS

DIRECTIONS

• 2 pounds skinless, boneless chicken

1. Place chicken breasts in the bottom of a slow cooker. Sprinkle evenly with au jus and ranch seasonings. Place 6 peppers on top and pour in 1/4 cup pepper brine. Place a stick of butter on top, cover, and cook on High for 2 hours and 15 minutes.

breasts • 1 (1-ounce packet) au jus mix • 1 (1 ounce) packet ranch seasoning mix • 12 jarred pepperoncini peppers, divided, or more to taste

Date & Time: October, 10:00 AM-6:00 PM

• 1/4 cup pepperoncini brine from the jar

Address: 1000 Lake Cook Road, Glencoe, IL 60022, (847) 835-6801

• 1 stick of butter

Home Office

835 N. Sterling Ave, Suite 200 Palatine, IL 60067 BOO-mingdale Halloween Party 847.934.1153

• 8 ounces cream cheese • 1 pound spaghetti • 8 ounces Monterey Jack cheese, shredded

Join us for a day of Halloween fun on Saturday, October 18! • 1/4 cup sliced green onions From 9:00 a.m. to StarckRE.com 1:00 p.m., enjoy hayrides, games, crafts, trunk-or-treating, and more in the Village Complex lots with the Police, Fire, and Park District. Then head to the Library lot from 11:00 a.m. to 2:00 p.m. for a hay maze, moonwalk, stilt walkers, and refreshments. Costumes encouraged! Children under 10 must be with an adult. Parking is prohibited in event lots; please use nearby residential streets. is always changing, and local sales The real estate market

2. Uncover and add cream cheese. Replace the lid and continue to cook while the pasta cooks, about 10 minutes. 3. Meanwhile, bring a large pot of salted water to a boil. Add pasta and cook for 9 minutes. Reserve 1/2 cup of pasta water and drain pasta. 4. Remove chicken from slow cooker and shred into bite-sized pieces. Remove peppers and chop into smaller pieces. Chop remaining peppers and add chicken and chopped peppers back to the slow cooker. Stir until well combined and creamy.

What’s Trending in Chicagoland

5. Add in pasta and pasta water, along with 1 cup of cheese. Stir until well combined. sales in the Chicago5area by -4.3% since July 2024, largely due to the Top with remaining cheese and coverHome until cheese is melted, to 10declined minutes. continued shortage of inventory. Prices rose on average by +6.6% annually as the 6. Serve topped with green onions. inventory of available homes fell by -5.7%. Chicagoland remains a seller’s market. The forecast by the Institute for Housing Studies at DePaul University calls for a seasonal

decline in sales in the remaining months of 2025 by -18.7% with prices dropping -2.2%. Contact us mefor forallallyour yourreal realestate estateneeds! needs! That would still leave prices up +8.7% on an annual basis at year’s end. the inventory of homes for sale rose +15.7% to 1.55 million homes, the How the 10-year Treasury Note YieldNationally, Affects highest inventory since the 2020 lockdown. The national average home price is $422,400, up 0.2% since 2024. US housing wealth is at a record high of $55.1 trillion, trends vary widely! Before you buy or sell a home, Mortgage it pays Rates up $20 trillion since 2020. Foreclosures rose 18% year over year in a sign that some

to know theRd. market conditions in your neighborhood. Address: 201 S. Bloomingdale and library lot

If you’ve ever wondered why consumer mortgage interest rates don’t move

IWe provide provide personal personal real real estate estate consultations consultations without without any in lockstep with the Federal Reserve’s federal funds rate for banks, there’s a costcost any or obligation! or obligation! clear explanation.

McHenry County Brews & Barrel Festival

Interest rates are tied to benchmarks that reflect the duration of the debt. The your consultation, we’ll I’lland explain explain the the sales sales activity activity in in Come join us for aDuring day filled with delicious brews spirits. federal funds rate governs short-term, overnight lending between banks, while yourwill area, andathelp you findFactory, opportunities in the market. This in-person event be held the Starline consumer mortgages are long-term loans, often spanning up to 30 years. where you can sample variety of craft spirits You’llaget answers tobeers all ofand your real estate questions, from local breweries distilleries. to enjoy live too!and Call metoday us todayGet for forready your yourpersonal personal consultation. consultation.As a result, mortgage rates are more closely tied to the 10-year Treasury note music and great food while sipping on your favorite drinks. yield. This yield represents the interest the government pays to investors such HomeServices does not endorse any of the products or vendors referenced on this material. Any as mortgages. Because most homeowners don’t stay in their homes

for the full 30 years, with an average tenure of about eight years, the 10-year

LLC. An independently owned and operated franchisee of BHH Affiliates, LLC. Berkshire Hathaway is seen as the most accurate guide for mortgage rates. HomeServices and the Berkshire Hathaway HomeServices symbol are registered service Treasury marks of Columbia Insurance Company, a Berkshire Hathaway affiliate. Equal Housing Opportunity.

OCTOBER 2025 Broken Ice Maker?

Home Office

Date & Time: October 18, 9:00 am–2:00 pm

over a decade, making it a more accurate benchmark for long-term loans, Date and time: Saturday, October 18 · 1:00 PM – 5:00 PM If your home is currently listed with a Broker, this is not intended as a solicitation. Berkshire Hathaway

Good to Know!

Seasonal eCard

Lenders determine mortgage rates by adding a “spread”, or the difference between the two rates, to the 10-year Treasury yield. This spread accounts for factors like the difference between mortgage-backed securities (MBS) and Treasury yields, as well as risks, inflation expectations, and market demand. For example, you may remember that in September 2024, the Fed lowered the overnight rate by 0.5%, yet mortgage rates went up from 6.09% to as high as 6.84%. That’s because the bond market was influenced by other factors, such as inflation expectations and what the new Trump administration was expected to do with monetary and fiscal policy. Therefore, the Federal funds rate influences expectations of investors, but it is not the only variable affecting mortgage interest rates.

The Starck Report

Most failures come from a bad inlet valve. To fix: pull the fridge out, shut off the water, unplug it, and remove the back panel. Swap the old valve for a new one ($60–$80), reconnect the water lines, and replace the panel. Let the fridge make a batch of ice before sliding it back in place.

OFFICIAL MONTHLY REAL ES TATE NEWS LET TER

According to the Wall Street Journal, mortgage rates now average 6.35% on a conforming 30-year, fixed-rate loan, down from 7% in January. The Bureau of Labor Statistics issued one of the largest revisions in its history, reducing the number of jobs created in the last year by 911,000 jobs. This indicates that the economy has been much weaker than previously thought. Consequently, the Federal Reserve Open Market Committee lowered overnight banking rates by .25% on September 17. Core inflation remains at 3%, higher than the Fed’s target rate of 2%, but the obvious weakness in the job market outweighs those concerns. Jerome Powell, Chairman of the Federal Reserve, indicated that more cuts will come before the end of the year. Once the Fed starts lowering rates, it will take time for that to influence mortgage rates. But if mortgage interest rates fall below 6%, experts project that the real estate market will improve. Sellers who are sitting on mortgages with pandemic low rates will have an incentive to sell. Lower rates will also make it easier for buyers to qualify. The economy is hard to gauge as the usual indicators are mixed. In Q2, the Gross Domestic Product grew by 3.3%. Unemployment rose slightly to 4.3% with low job creation but limited job losses. Consumer sentiment is falling, and spending on durable goods has fallen. Economists predict that the full effect of tariffs have not yet been felt, and prices on imports and goods requiring imported raw materials for their manufacture will eventually add to inflation. Meanwhile, the stock market is making record gains.

MISSISSIPPI CHICKEN SPAGHETTI RECIPE

TREASURY NOTE YIELD AFFECTS MORTGAGE RATES

Prosperity is within reach, we'll help you get there.*

630.430.1048 www.phmloans.com/Starck

me. If you’re having a tough time figuring out the real estate market, contact us. I willwill dodo a free, no-obligation real estate review to show you where you stand We a free, no-obligation real estate review to show you where you stand and help you navigate the market.

In This Issue FUN STUFF TO DO IN OCTOBER!

835 N. Sterling Ave, Suite 200 Palatine, IL 60067 847.934.1153 StarckRE.com

households may be under strain.

CURRENT INVENTORY

MONTHS OF SUPPLY

AVERAGE DAYS ON MARKET

TOTAL HOMES SOLD

AVERAGE SALES PRICE

MEDIAN SALES PRICE

12,269

2.0

7,367

$472,926

$370,000

Prior Month

2.2%

-3.8%

Year Over Yearv

5.7%

8.1%

4.3%

6.6%

5.7%

*©2025 Prosperity Home Mortgage LLC. (877) 275-1762. 3060 Williams Drive, Suite 600, Fairfax, VA 22031. All first mortgage products are provided by Prosperity Home Mortgage, LLC. Not all mortgage products may be available in all areas. Not all borrowers will qualify. NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/) Arizona Mortgage Bankers License 1001252. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Licensed by the Delaware State Bank Commissioner. Georgia Residential Mortgage Licensee. Massachusetts Mortgage Lender and Mortgage Broker MC75164. Licensed by the NJ Department of Banking and Insurance. Licensed Mortgage Banker-NYS Department of Financial Services. Rhode Island Licensed Lender. Rhode Island Licensed Loan Broker. Rhode Island Licensed Third-Party Loan Servicer. Also licensed in AK, AL, AR,AZ, CO, CT, DC, FL, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, ND,NE, NH, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV and WY.

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Set It and Forget It! Sign up today on Inside Starck and let AutoFlow work for you! Updated 10-2025. Designs and offers subject to change without notice. ©2025 BHH Affiliates, LLC. An independently owned and operated franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of Columbia Insurance Company, a Berkshire Hathaway affiliate. Equal Housing Opportunity.