Selecting the Perfect Neighborhood to Farm When we are selecting a neighborhood to use as our “Farm Area”, many factors should come into play. Don’...
I really do believe that buyers think real estate's biggest lie is, 'There has been a lot of activity on this house, and it's probably going to sell wit...
A sample of the homes we have listed and/or sold: Charlemagne Int'l Properties represented the Buyers. Listed by Charlemagne Int'l Properties and sold in 3 days. Represented Rancho Palos Verdes Seller
Search Warren County OH homes for sale and learn about Warren County OH real estate. Warren County Real Estate services by local realtors The Liz Spear Team
Are Deferred Students Loans Included In A Borrower's Debt-To-Income Ratio? Student Loans are very common today among younger Borrowers. Most college s...
The Preserve of Hobe Sound August 2019 Market Report with the currently active and pending listings as well as sales for the past twelve months.
Hunters Creek Palm City August 2019 Market Report with the currently active and pending listings as well as sales for the past twelve months.
Homes for Sale in Watertown WI! 918 Carol Street, Watertown WI 553094 $104,900 Another New Listing With Laura S. Baker!!! Okay, I may be small but ...
This will take you to a look up site by zip code so you can see the participating police stations near your home. Drug disposal of unused drugs in your ...
Ingredients for SUCCESS -A Puppy, Documentation, and a Mortgage Mortgage financing is a 'people business' ... Because of that, human emotions, reactions,
Don’t Let Your Staging Be Like a Bad Comb Over.Many moons ago we had a friend who was so much fun and a mainstay of our group. However, he had a bad comb o
Stunning 1 ½ story has it all JUST LISTED in Avery Ranch~NW Austin www.15908doubleeagle.com Buyers...this won’t last long so don’t delay! 15908 Double...
Even pulling up to the house I saw a tree very near to the corner and it was large! And I thought, trees usually don't get any smaller. I don't know why..
Frederick MD | 58% of Homeowners See a Drop in Home Values Coming Frederick MD Local Market Tidbits:In order for us to provide comprehensive real-time mark
Chicago's, Rogers Park is a wonderful area which is the neighborhood most north in the city limits of Chicago. It features many vintage homes and condos...
Paradise Valley Golf Course Homes July 2015 Market Report.Anna Banana's knowledge and professionalism will add great value to your home search and purchase
Sometimes it is hard to go to check out a potential listing....as most of you know there were these tragic fires in the recent past, which lasted a long t
Oceanrise Condo Real Estate Market Report for August 2020 with the currently active and pending listings as well as sales for the past twelve months.
If you are a Los Angeles home buyer and are considering applying for a mortgage Gene Mundt provides some excellent information to help you avoid common mistakes.
Pipers Landing August 2020 Market Report Golf Homes and Condos with the currently active and pending listings as well as sales for the past twelve months.
Bringing home your newly adopted dog is always an adjustment for everyone involved. Here are 3 important tips to welcome your new family member.
Wellington Florida Relocation Guide | Learn all about Wellington The Village of Wellington is a "Great Hometown" located in the western part of Palm Beach County Florida. With roughly 61,000 residents this Winter Equestrian Capital
And the Millennial Survey Says ... While Millennials are currently reported to be buying homes at a faster pace than in the past, many of those that wish to buy are presently being stymied ... What is it that Millennials feel stand in the way of their home buying dreams? And what number feel that they are fundamentally incapable of buying? A survey conducted by LendEDU attempts to shed some light on these questions. The June 2019 survey indicates that while many Millennials long for homeownership, nearly 90% of non-homeowning Millennials hoping to buy have not done so yet. Why not? Most taking the survey indicated that their student loans were/are the biggest deterrent to taking this big financial step. This should come as no big surprise. The difficulties surrounding student loan debt have been in the spotlight (and hot-seat) for a long time now. Now it's true that some mortgage programs exist and can be of assistance to those facing student loan challenge. Unfortunately, even with this program available, many Millennials still feel that their student loan debt is insurmountable and that sentiment is keeping them from pursuing homeownership. It must be pointed out here: The LendEDU survey also indicated that student loan debt isn't the only financial hurdle that Millennials feel they are facing. Credit Card debt, building better credit scores, building savings, building an emergency account, and retirement savings ... each was reported in large measure as major concerns. There were also other "contributors" too. It's reported within the survey that: A lack of knowledge Inadequate financing education Misconceptions regarding financing requirements Misconceptions regarding the mortgage process itself ... contributed greatly to Millennials sitting on the home buying sideline. Now there is little an individual Loan Officer can do to address the type or number of loan programs available for borrowers. That is largely left to government entities and the Private Sector that makes Home Loans. However, there IS much Loan Officers can do to address the lack of knowledge, level of financing education, or misconceptions held by Millennials. And that is why I write this article. So what are those financing/credit issues pinpointed and detailed by the LendEDU survey (and other surveys) as troublesome? The issues revolve around: Credit Score requirements How Credit Scores are utilized by Lenders Checking Credit Report will hurt Credit Scores That married couples have ONE/combined credit scores Down Payment requirements and guidelines Closing Costs involved in Mortgage financing Time/Days of Average Mortgage Process Info pertaining to Debt-to-Income Ratios Gift Monies And these common misconceptions: That Pre-Qualification = Pre-Approval That Interest Rates are the only measurement of Mortgage costs That all debt is weighted equally More ... I think you get my drift. There are just way too many facets of the mortgage process and its requirements that current hopeful Millennial buyers do not understand, have wrong, or at minimum ... misunderstand. Again, addressing THAT issue is something I and other Loan Officers can do something about by offering educational opportunities and information. But to a large part, we can only do that if those hoping to buy reach out and ask questions. Why is this personal touch ... this in-depth conversation between LO and hopeful home buyer so very important? Increasingly, mortgages and mortgage approvals are tethered and tailored to the applicant's personal finances, credit scores, and needs. Comparisons cannot be made between applicants as their financial and credit backgrounds ... their needs ... are always different. Mortgage decisions made by client and LO are based on facts and figures intensely personal to the individual mortgage applicant. So the only way to receive the answers needed to make an informed financing and home buying decision is to talk to a lender. Then and only then can we provide the facts and the knowledge needed to assist ... whether that be in the infancy of their home buying journey or somewhere along its path. 52% of those Millennials surveyed by LendEDU indicated that they preferred that this type of assistance and initial conversation with a lender be held in-person. But whether it be conducted one-on-one or via another method, it is the first step and the most reliable step a hopeful home buyer/borrower should and can make. Millennials should not leave such an important decision regarding their future to chance. The opportunity to ask questions, educate themselves and gain valuable information personal to their individual finances exists and all is easily attainable. Reach out and talk to me or your local lender today ... * Hoping to Buy or Refinance a Home or Investment Property in the New Lenox - Will County - Chicagoland - IL/WI area? Contact Me! I'll get you the facts, info, and figures you need to make the best home buying and mortgage financing decisions for you and your future. I'm easily found at: Gene Mundt Mortgage Originator - NMLS #216987 - IL Lic. #031.0006220 - WI License #216987 American Portfolio Mortgage Corp. NMLS #175656 Direct: 815.524.2280 Cell/Text: 708.921.6331 eFax: 815.524.2281 [email protected] www.genemundt.com Gene Mundt, Mortgage Originator, an Originator with 40+ years of mortgage experience, will offer you exemplary mortgage service and advice when seeking: Conventional, FHA, VA, Jumbo, USDA, and Portfolio Loans in Chicago and the greater Chicagoland region, including: The Lincoln-Way Area, Will County, (New Lenox, Frankfort, Mokena, Manhattan, Joliet, Shorewood, Crest Hill, Plainfield, Bolingbrook, Channahon, Romeoville, Naperville, etc.), DuPage County, the City of Chicago, Cook County, and elsewhere within IL & WI. Your Referrals & Testimonials are Greatly Appreciated!
Colonial Williamsburg. November 28, 2011. Photograph by Dolores Kelley using a Canon PowerShot S90 camera. Roy and Dolores Kelley Photographs
How to Choose Your Will County - Chicagoland "Super" Mortgage Originator One of the questions I see crop-up often on real estate websites comes from First-time Home Buyers ... It concerns HOW they should go about looking for and choosing the Mortgage Originator for their first home's financing. Often, in response to these questions, I see others offering up the name of an Originator they know for contact. And I suppose if that name crops-up multiple times, that does provide at least a starting point from which a home buyer can work. But I think those looking for mortgage lending services, especially First-time Home Buyers, need a more specific answer to that very important question. First-time Home Buyers need absolutes ... real guidelines they can follow to help them find the strong "Super" Mortgage Originator that will ultimately prove best suited to their personal financial needs and most beneficial to securing a successful outcome when they buy their home. So, HOW do you go about finding your own "Super" Mortgage Originator? I won't try to kid you. What I'm about to suggest takes time and effort on your part. But the end result makes it worth it, because the Mortgage Originator you end up choosing will possess the important attributes: * YOU find important * YOU are comfortable with * A great reputation. They will come highly recommended by multiple people, including other real estate-related professionals * They'll have responded to your initial inquiries and questions in a timely and thorough fashion * They'll have provided information regarding what determines your Interest Rate and your mortgage program costs * That Mortgage Lender/Originator will be experienced, knowledgeable, and have a proven track record for successful Closings. They'll offer references, testimonials. * They'll have provided you real guidance, based upon facts and your personal finances ... not just generalities * You will have found by speaking with their prior clients/professionals worked with ... that they were willing to "go to bat" for those clients, if need be. That they don't give up on their clients or their transaction. That they serve as a true advocate on the behalf of their clients and referral partners. If you truly hope to find the best Mortgage Originator for your needs, there's no getting around it ... You need to do your homework. You need to ask questions You need to keep on asking questions Dig long enough and hard enough to discover the Mortgage Originator that matches the characteristics listed above. You want to work with the best. I think that's me. If you're a Home Buyer looking to buy a home within the current market, doing that homework is well worth the effort. You'll not only reap a good interest rate, but a home at an unbelievable price. And you'll be establishing a real relationship with a quality, experienced Mortgage Originator. One that will continue to work on your behalf beyond the Closing table. A "Super" Mortgage Lender/Originator with which you can always rely in the future. Get started now ... * Are you hoping to buy or refinance a home or Investment Property in New Lenox or elsewhere in the Chicagoland - IL - Wisconsin area? Let's talk! I'll put my 40+ years of mortgage experience and expertise to work answering your questions and fulfilling your financing needs. I'm easily found at: Gene Mundt Mortgage Originator - NMLS #217987 - IL Lic. #031.0006220 - WI Licensed #216987 American Portfolio Mortgage Corp. NMLS #175656 Direct: 815.524.2280 Cell/Text: 708.921.6331 eFax: 815.524.2281 [email protected] www.genemundt.com Gene Mundt, Mortgage Originator, an Originator with 40+ years of mortgage experience, will offer you exemplary mortgage service and advice when seeking: Conventional, FHA, VA, Jumbo, USDA, and Portfolio Loans in Chicago and the greater Chicagoland region, including: The Lincoln-Way Area, Will County, (New Lenox, Frankfort, Mokena, Manhattan, Joliet, Shorewood, Channahon, Crest Hill, Plainfield, Bolingbrook, Lockport, Channahon, Romeoville, Naperville, etc.), DuPage County, the City of Chicago, Cook County, and elsewhere within IL & WI. Referrals are Greatly Appreciated!
Elizabeth Market Report – APRIL 2019 About Elizabeth The Elizabeth neighborhood was home to department store magnate William Henry Belk, and the city’s...
Real Estate Lessons From Antietam We recently visited Antietam National Battlefield in Maryland. For those that don't know, Antietam was a pivotal batt...
Nestled deep within the Links of Pheasant Run's neighborhood is 1816 Wentworth Dr. Canton, MI 48188
As I make my way through day two of the new year an article on the internet catches my eye. Things that will cost more in 2014. So I clicked on the arti...
Do You Really REALLY Love that Home?
Saturday July 13, 2013 Cyclone swimmers and their families enjoyed a perfect cool, sunny morning for their community swim meet! It was held in the Junio...
Pewaukee WI Homes for Sale | Market Report for November 2021 | Pewaukee realtors | Pewaukee buyer agents | Pewaukee real estate agents | Pewaukee listings
Channeling Social Media Hopefully the title has caught your attention - yes, no, maybe? First let me be clear that this is not a slight towards Active R...
