Chad Klein, Realtor - Real Broker LLC

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Chad Klein, Realtor - Real Broker LLC Realtor and Auctioneer based in Southern Illinois, but most importantly a husband, dad, and storyteller. Check us out at https://southernilhomes.com/

I believe every home has a story worth telling, which is why I created the Memories to Market® system. I’m Chad Klein, a Realtor and Auctioneer based in Southern Illinois, but most importantly a husband, dad, and storyteller. By blending lifestyle-focused storytelling with powerful marketing tools, I help families showcase the life behind the walls — not just the square footage — so their next chapter begins with confidence and success. With popular features such as Choose Your Own Commission, Fire Me Anytime, Sell Yourself & Pay Nothing, & our Maximum Marketing Guarantee, we bring a cutting-edge marketing approach that achieves over 25,000 views on listings outside of the MLS. Want to find out what's possible? Contact me for a no-hassle, fun, and informative consultation. Call or text my personal cell at 618-979-5271

📊 Tuesday Market Pulse | October 6, 2026Everyone's talking about rates. Almost nobody's explaining what to do about them...
06/10/2026

📊 Tuesday Market Pulse | October 6, 2026

Everyone's talking about rates. Almost nobody's explaining what to do about them.

Mortgage Rates (Freddie Mac weekly survey)
🏠 30-yr fixed: 7.56%
🏠 15-yr fixed: 6.60%
🏠 Jumbo 30-yr: 7.53%

What's driving it
📈 The 10-yr Treasury climbed to 5.28%, and mortgage rates follow the 10-yr, not the Fed.
🏦 The Fed Funds Rate held steady at 4.00%.

What it means for your wallet
The 30-yr is 0.62% higher than a month ago. On a $300K loan, that's about $125 more per month in principal and interest.

The opportunity most buyers miss
The 15-yr is sitting 0.68% below the 30-yr. If your income supports the higher payment, it can save you a serious amount of interest over the life of the loan. It's worth running the numbers both ways before you lock.

Sellers: rising rates squeeze buyer budgets. Pricing it right from day one matters more now than it did 30 days ago.

🏡 Featured: 7 N 11th St, New Baden | $240,000
Curious what this one would cost you at today's rates? Listing details in the comments 👇

Thinking about a move in Southern Illinois or the Metro East? Let's talk strategy before rates move again.
📞 Call or text (618) 979-5271

Listed by: Real Broker LLC

🌳 3 acres. One blank page. Your dream home. 🌳Just outside New Baden on Haselhorst Road:✅ Open ground ready for your home...
29/09/2026

🌳 3 acres. One blank page. Your dream home. 🌳

Just outside New Baden on Haselhorst Road:
✅ Open ground ready for your homesite
✅ Mature timber with room for trails
🐴 Bring the horses, livestock or chickens
✅ Farm-field views in every direction
✅ Ameren electric available, existing well

The house you've been sketching for years needs a place to go. This is it.

View the listing in the comments below.

📲 Text Chad at 618-979-5271 to walk the land.

Listed by: Real Broker LLC

Some houses are near the fun. This one IS the fun. 🎉📍 Across the street from the New Baden pool and park🎺 On the parade ...
29/09/2026

Some houses are near the fun. This one IS the fun. 🎉

📍 Across the street from the New Baden pool and park
🎺 On the parade route: June Jamboree/Homecoming, pre and post chili cook-off
🏡 This is the house that has hosted the pre-party AND the after-party for years

Inside is a wide-open kitchen, dining and living room under a vaulted ceiling, 2 bed / 2 bath, a finished basement with a bonus rooms, and an oversized 2-car garage.

First home or downsizing, the memories come to you here.

View the actually listing in the comments below!

📲 Text Chad at 618-979-5271 before the next parade.

Listed by: Real Broker LLC

17/09/2026

🚨🏡 REALTORS & LENDERS — BIG APPRAISAL CHANGES ARE COMING IN NOVEMBER 🏡🚨

I’ve had a lot of agents asking me about the new appraisal requirements and what these changes could mean for their transactions.

Fannie Mae and Freddie Mac are moving to UAD 3.6, which represents a major change in how residential appraisals are completed and reported.

But there’s something I think Realtors and lenders need to be prepared for:

EXPECT DELAYS.

Especially during the beginning of this rollout.

There are two major reasons why:

1️⃣ These new appraisal assignments are going to take considerably longer to complete.

There is significantly more data entry and reporting involved, and particularly during the transition period, I expect many assignments to take roughly twice as long to complete.

2️⃣ Some appraisers simply aren’t going to do them.

The appraisal industry already has an aging workforce, and I expect a percentage of appraisers will choose to focus on other types of appraisal work rather than transition to the new system. Others may decide this is the right time to retire.

Combine fewer appraisers accepting these assignments with each assignment taking longer to complete, and delays are almost inevitable.

BIG NOTE TO REALTOR FRIENDS AND LENDERS:

I would be very careful about automatically setting 30-day closings and assuming the appraisal will fit comfortably inside that window.

Prepare your buyers and sellers ahead of time for the possibility of appraisal delays.

It’s much easier to have that conversation at the beginning of the transaction than to explain at the end why everyone suddenly needs to sign an extension.

I’ve been appraising residential real estate for more than 20 years, and in my opinion, this is one of the biggest changes to residential appraisal reporting we’ve seen during that time.

There will undoubtedly be a learning curve for appraisers, lenders, AMCs and everyone else involved in the process.

My biggest advice:

PLAN AHEAD. ORDER APPRAISALS EARLY. AND GIVE YOUR TRANSACTIONS SOME BREATHING ROOM.

The first several months could be bumpy.

🏡 New on the market in New Baden, IL 🏡403 Leisure St. 1,454 square feet, three bedrooms, two full baths, all on one leve...
14/09/2026

🏡 New on the market in New Baden, IL 🏡

403 Leisure St. 1,454 square feet, three bedrooms, two full baths, all on one level. No stairs anywhere in this house.

Vaulted ceilings over the main living area. Brick fireplace. Sight lines that run clean from the front window to the kitchen, nobody cooks alone in this house.

Out back: paver patio, wood deck, string lights already hung, privacy fence, big shade tree in the corner. The kind of backyard where an ordinary Friday runs two hours long.

True primary suite. Main floor laundry right off the kitchen with a utility sink and cabinet storage, same level as the bedrooms, no hauling a basket up and down stairs. Ever. Finished two car garage with pull down attic access. Storage shed. At this size storage is usually the problem, here it isn't.

Clean, updated ranches in New Baden don't linger.

Showings start 9/18/26. Call or text (618) 979-5271

Listed by: Real Broker LLC

$53,000. Four lots in a subdivision that's already built.Most "new developments" sell you a dream and a dirt road. Look ...
07/09/2026

$53,000. Four lots in a subdivision that's already built.

Most "new developments" sell you a dream and a dirt road. Look at the plat — Northtowne isn't waiting to happen. Streets poured. Sidewalks in. Streetlights on. Houses finished and people living in them.

Village water, sewer, and utilities are already at the street. You build, you move in. No pioneering.

🔹 800 N Roosevelt — 17,860 sq ft — corner, biggest lot out there
🔹 801 N Roosevelt — 16,988 sq ft — corner
🔹 805 N Roosevelt — 16,117 sq ft
🔹 809 N Roosevelt — 15,682 sq ft

Same price on every one. 801 and 805 sit side by side if you want a double.

Wesclin Schools. Easy shot to Highway 50 and Scott AFB.

📞 Listed by: Chad Klein — 618-979-5271 | Real Broker LLC

Buy two lots. Build the house AND the shop.Every guy reading this has the same problem. You find a lot in town, you buil...
21/08/2026

Buy two lots. Build the house AND the shop.

Every guy reading this has the same problem. You find a lot in town, you build the house, and then you find out there's nowhere to put the 30x40. No room for the boat. No room for the camper. No room for the shop you've been drawing up in your head since you were twenty.

Northtowne Estates in New Baden fixes that — because 801, 805, and 809 N Roosevelt sit side by side by side on the same run of street. Buy two. Buy all three. Combine them.

Two of them puts you over 33,000 square feet. All three puts you at 48,787 — more than a full acre. Inside the village limits, with sidewalks and streetlights already in.

That's the house you want, the detached garage you actually need, and a backyard with room left for a fire pit, a swing set, and a dog that likes to run.

Behind it all? Open Clinton County farm ground. The kind of view that doesn't get built out overnight.

Four homesites — $53,000 each:
🔹 801 N Roosevelt — 16,988 sq ft — corner, cul-de-sac
🔹 805 N Roosevelt — 16,117 sq ft — cleared, cul-de-sac
🔹 809 N Roosevelt — 15,682 sq ft — cul-de-sac bulb
(those three are neighbors — combine any two or all three)

🔹 800 N Roosevelt — 17,860 sq ft — the biggest single lot on the street, corner, extra frontage and depth to set the house exactly where you want it instead of where the setbacks force it

Same price on every one of them. Biggest lot costs the same as the smallest. That math doesn't last.

And here's the part most "new developments" can't say — this one is done. Concrete streets poured. Village water, sewer, and utilities at the street. Neighbors already living in finished homes. No pioneering a dirt field for three years waiting on infrastructure.

The covenants protect what you put in the ground: minimum square footage, masonry fronts, architectural shingles, two-car garage minimum, no modular homes, no above-ground pools, no chain link. Everybody building out there is held to the same standard you are.

Wesclin Schools. Straight shot to Highway 50 and Scott AFB. HOA is $100 a year.

Somebody's going to buy two of these and build the setup everybody else drives by and wishes they had. Might as well be you.

Link in the comments

📞 Chad Klein — 618-979-5271- Real Broker

🚨JUST LISTED CAR/TRUCK LOVERS, THIS ONE IS FOR YOU 🚨302 S Main Street, Trenton, IL | $300,000If your garage matters as m...
10/08/2026

🚨JUST LISTED CAR/TRUCK LOVERS, THIS ONE IS FOR YOU 🚨

302 S Main Street, Trenton, IL | $300,000

If your garage matters as much as your living room… stop scrolling.

Picture your Saturdays: the truck up on the lift, buddies pulled up around the vintage gas pump, music going, and that center-bay power door rolled open to the breeze. This 27x45 detached shop is heated AND cooled year-round with a mini-split, 5" concrete floors, 110 & 220 power, and its own parking pad. It's a car-and-truck lover's clubhouse as much as a workspace — the kind of setup guys spend years trying to build. (Lift is negotiable! 👀)

And the home behind it lives just as big:
🏠 3 bed / 3 full bath — 3,226 sq ft
✨ Soaring high ceilings & rich hardwood floors
🛏️ Oversized bedrooms that actually feel like rooms
🔨 Newer windows ('25), fresh roof ('26), updated systems- move in and get to work on the fun stuff
🅿️ Attached garage PLUS 8 off-street parking spots

Big rooms. Tall ceilings. A dream shop right in the heart of Trenton. Homes with THIS kind of garage don't come around twice. 🔧🛻

📲 Call or text me, Chad Klein, at (618) 979-5271 to see it before someone else pulls in first!

Check the comments for direct link to the listing

Listed by: Chad Klein, Real Broker LLC

🚨 COMING SOON | Trenton, IL | $445,000 🚨Some houses you walk through. This one welcomes you home.520 N Tyler St is the k...
20/07/2026

🚨 COMING SOON | Trenton, IL | $445,000 🚨

Some houses you walk through. This one welcomes you home.
520 N Tyler St is the kind of listing Trenton waits for- 3,697 square feet of finished living space where the great room steals the show and the space just keeps going.

✨ 3 Bedrooms | 3.5 Baths | 3,697 Sq Ft
✨ Showstopping great room
✨ Sunroom made for slow mornings
✨ Finished basement with built-in bar
✨ Finished bonus room above the garage
✨ 3-car garage
✨ Wesclin School District | Minutes to Scott AFB

Homes with this much finished, flexible space don't wait around in Trenton.

Listed by Chad Klein, Real Broker

There are streets you drive down and just know. Melinda Court is one of them.Quiet cul-de-sac. Covered front porch big e...
19/05/2026

There are streets you drive down and just know. Melinda Court is one of them.

Quiet cul-de-sac. Covered front porch big enough to actually use. Pond views out the back. And inside — rooms that don't just look big, they feel it. High ceilings, an open kitchen and living room that flow together the way you always wanted them to, and space that finally matches the life you're trying to build.

263 Melinda Ct is a 4 bed / 5 bath Colonial in Swansea's Castle Heights neighborhood, and it's built for the family that needs room to grow — not just square footage to fill. Two master suites means no one's compromising. The finished basement adds a potential 5th bedroom with a full bathroom — ideal for in-laws, guests, or the college kid who keeps coming back. A detached storage shed keeps everything organized outside. And when the day slows down, that covered front porch and pond view out back are the reset button you didn't know you needed.

9 miles from Scott Air Force Base. Move-in ready.

At $380,000 in Castle Heights, this is the move-up home that checks every box — and then adds a few you didn't think to ask for.

Check the full listing in the comments.

📍 Swansea, IL · $380,000 · 4 bed / 5 bath · 3,490 sqft
🛏️ Two master suites · Potential 5th bed + full bath in basement
🌅 Pond views · Covered front porch · Detached storage shed
✈️ 9 miles to Scott AFB

📲 618-979-5271 | SouthernILHomes.com

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