Shane E Mowery - Attorney at Law, PC

Shane E Mowery - Attorney at Law, PC Shane E. Mowery - Attorney at Law, PC is a residential real estate attorney located on Chicago's nor

Mowery attended Illinois State University in Normal, Illinois, obtaining a Bachelor of Science degree in Finance in 1998. While studying at Illinois State, Shane was employed by Kaisner Realty, now known as Re/Max Twin City Realtors. At Kaisner Realty, Shane served as the company’s marketing coordinator, where he supervised the production of a television program for the promotion of in-house real

estate sales, supervised and maintained the company’s website and assisted realtors with general advertising avenues. In 1997, Shane obtained his real estate salesperson license to further his knowledge and understanding of real estate principles. In 1998, Shane moved to Chicago to begin his study at The John Marshall Law School in Chicago, focusing on real estate transactions. In 1999, Shane joined a general practice law firm in Chicago, Upon graduating from John Marshall in 2001 and obtaining his license, Shane was immediately given the responsibility of handling residential real estate transactions within the firm. The scope of his responsibility extended to new construction sales and purchases, multi-million dollar sales and purchases, condominium development and landlord and tenant issues. With an understanding of both brokerage and legal concerns surrounding real estate law, Shane’s mission as an attorney is to provide professional, dedicated and affordable legal services to those in need of real estate assistance.

08/11/2026

You found the perfect unit: great light, walkable location, solid amenities, but before you fall in love, make sure you understand what you’re really buying into.

Condo purchases come with an added layer of legal documents that buyers often overlook:

✔️ Declaration
✔️ Bylaws
✔️ Rules & Regulations
✔️ Recent meeting minutes
✔️ Budget & reserves
✔️ Special assessments

These aren’t just paperwork, they tell you how the building is run, what you can’t do in your own unit, and whether there’s a major expense (like a roof or elevator) coming your way soon.

As a Chicago real estate attorney, I’ve seen buyers walk away from deals after reviewing the fine print, and others thank themselves for having an attorney who caught something they didn’t.

Always review these documents during the attorney review period.

Got questions about condo docs? I’d be happy to walk you through what to look for.

08/06/2026

From charming bungalows to vintage condos and classic two-flats, Chicago’s older homes have a lot of character. They can also come with unique legal and financial considerations that are worth understanding before you close.

Here are a few things to keep in mind:
• Review the seller’s disclosures carefully. They can provide valuable information about the property’s condition and any known issues.

• Take time to read the inspection report thoroughly. Older homes may have aging systems or deferred maintenance that could lead to future repairs.

• Ask whether renovations or additions were completed with the appropriate permits, if required.

• Be aware of any zoning or code issues, especially if you’re purchasing a multi-unit property or a home that has been modified over the years.

• If concerns come up during the inspection, your options will depend on your contract and the agreements reached during the inspection period.

Every older home has its own story. Taking the time to understand the property’s history, review the documents, and work with experienced professionals, including a real estate attorney, can help you move forward with confidence and avoid unexpected surprises after closing.

08/04/2026

You’ve negotiated repairs, the closing date is approaching, and you find out the work hasn’t been completed. What happens next?

The answer depends on the terms of your contract and the agreement between the buyer and seller.

In some cases, the parties may agree to delay closing until the repairs are finished. In others, they may negotiate a credit, place funds in escrow until the work is completed, or reach another solution that works for everyone involved.

This is one reason the final walk-through is so important. It gives buyers an opportunity to confirm that agreed-upon repairs have been completed and that the property is in the expected condition before closing.

If repairs have not been completed as agreed, it’s important to discuss your options with your real estate attorney before moving forward with closing. Closing before the issue is resolved could affect your ability to require the seller to complete the work later.

Every transaction is different, so the best path forward will depend on your contract and the specific circumstances.

07/31/2026

If you’re buying a home with a mortgage, you’ll receive a Closing Disclosure (CD) before closing.

The Closing Disclosure outlines the final terms of your loan and the costs associated with your purchase. It shows what you’ll pay at closing and helps you understand the financial details before you sign.

It includes information such as:
✔️ Your loan amount and interest rate
✔️ Your monthly principal and interest payment
✔️ Estimated taxes, insurance, and escrow payments
✔️ Closing costs and lender fees
✔️ The amount of cash you’ll need to bring to closing

It’s a good idea to compare your Closing Disclosure with your Loan Estimate. While some changes are expected as the transaction moves forward, reviewing both documents can help you understand any differences before closing day.

For most purchase transactions, federal law generally requires borrowers to receive the Closing Disclosure at least three business days before closing. This gives you time to review the numbers and ask questions if anything is unclear.

Reviewing your Closing Disclosure before closing is an important step, and having a real estate attorney can help you understand the terms, identify any unexpected changes, and answer questions before you sign. The goal is to make sure you know what to expect so you can head to the closing table with confidence.

07/29/2026

Many buyers assume that because they’re purchasing directly from a builder, the process is simpler. In reality, new construction contracts are often written by the builder and can be very different from the standard residential contracts used in Illinois.

An attorney can help you understand important provisions such as:

• Construction timelines and potential delays
• Deposit and earnest money terms
• Change order procedures
• Builder warranties and what’s actually covered
• Default provisions and cancellation rights
• Closing requirements and additional fees

It’s also important to remember that model homes and sales brochures aren’t the contract. If a feature or upgrade is important to you, make sure it’s reflected in the written agreement.

Buying a brand-new home is exciting, but it’s still a significant legal and financial commitment. Understanding the contract before signing can help you avoid surprises later in the process.

Have you ever purchased a new construction home? What surprised you most about the process?

07/22/2026

It can be stressful, but it doesn’t always mean the deal is over.

If a buyer’s loan is denied before closing, what happens next depends on the terms of the contract. In many Illinois real estate transactions, a financing contingency gives buyers the opportunity to cancel the contract if they are unable to obtain financing despite making a good-faith effort.

Sometimes the issue can be resolved by:
• Extending the closing date
• Switching loan programs or lenders
• Providing additional documentation requested by the lender
• Renegotiating certain terms of the transaction

If financing ultimately falls through, whether the buyer receives their earnest money back will depend on the contract language and the specific circumstances.

Every transaction is different, which is why it’s important to understand your rights and obligations before making any decisions.

Have questions about financing contingencies or the home buying process? Drop them in the comments.

07/21/2026

As we head into the second half of the year, the Chicago housing market is expected to become a bit more balanced, but don’t expect a dramatic shift.

Here’s what’s on the horizon:\

More homes are hitting the market, giving buyers more options than they had earlier this year.

Well-priced homes are still expected to sell quickly, especially in desirable neighborhoods.

Buyers may gain a little more negotiating power, particularly on homes that have been sitting on the market.

Pricing will matter more than ever. Sellers who price realistically are likely to see the best results, while overpriced listings may linger.

Mortgage rates remain the biggest factor influencing affordability and buyer activity heading into the fall.

Whether you’re buying, selling, or simply keeping an eye on the market, understanding these trends can help you make informed decisions. And before you sign a contract, make sure you understand the legal terms and protections that come with one of the biggest financial decisions you’ll make!

07/16/2026

Offer accepted? There’s still work to be done.

Having your offer accepted is an exciting milestone, but it’s not the finish line. Between contract acceptance and closing, several important steps can still shape how the transaction moves forward.

Some things that may still change include:
✨ Inspection findings and repair requests
✨ Credits or concessions negotiated between the buyer and seller
✨ Financing approval and final underwriting
✨ The closing date, if additional time is needed
✨ Title issues that need to be resolved
✨ Final prorations, closing costs, or other settlement figures

An accepted offer marks the beginning of the contract process—not the end of it.

This is why attorney review, inspections, financing, and title work are all important parts of the transaction. Each step helps ensure that both parties can move toward closing with a clear understanding of their rights and responsibilities.

While not every transaction requires changes after an offer is accepted, it’s common for details to evolve before closing day.

Understanding what happens between “accepted” and “closed” can help buyers and sellers feel more confident throughout the process.

07/14/2026

A delayed closing doesn’t always mean the deal is falling apart.

Closing dates are important, but they’re not always set in stone. Sometimes, unexpected issues come up in the final days before closing, and in many cases, they’re resolved with a little extra time and communication.

Some common reasons for a closing delay include:

✨ Financing documents that need additional review
✨ Title issues that need to be cleared
✨ Delays in appraisal or lender approval
✨ Repairs that haven’t been completed
✨ Scheduling or logistical conflicts

While delays can be frustrating, they don’t automatically mean the transaction is at risk. Many closings are successfully completed after the parties work together to address the issue.

The key is understanding what caused the delay, communicating early, and knowing what options are available under the contract.

A delayed closing isn’t always the end of the story, often, it’s just another step in getting to the closing table.

07/09/2026

Buying a condo? Don’t overlook the association documents.

When applying for a mortgage, most buyers focus on their income, credit, and down payment. But if you’re purchasing a condo, the lender may also review the condominium association’s documents as part of the financing process.

Some of the factors they may consider include:
✨ The association’s financial health
✨ Reserve funding for future repairs and maintenance
✨ Pending litigation involving the association
✨ Insurance coverage
✨ The percentage of owner-occupied units
✨ Delinquent assessment payments

These factors can influence a lender’s decision and, in some cases, affect financing options or the closing timeline.

That doesn’t necessarily mean there’s an issue with the property, but it does highlight why reviewing condominium documents is an important part of the due diligence process.

When you buy a condo, you’re purchasing more than just the unit, you’re also becoming part of the association that manages the building.

Taking the time to understand those documents can help you make a more informed decision before closing.

Address

15833 S. LaGrange Road
Chicago, IL
60462

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+17732799900

Website

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