- Beaver Creek
- Bee Dee Highlands
- Bevan Acres
- Black Road Estates
- Bridalwreath
- Burr Oaks
- Camelot
- Cathedral Area
- Cherry Hill
- Chovan Estates
- College Park
- Courtyards Of Woodside
- Crystal Lawns
- Cumberland South
- Fall Creek
- Glenwood Manor
- Greywall Club
- Hawthorn Hills
- Ingalls Park
- Kearney Glen
- Lakewood Prairie
- Marquette Gardens
- Murphy Acres
- Neufairfield
- Old Renwick Trail
- Pleasant Knoll
- Preston Heights
- Reedswood
- Rooney Heights
- Sable Ridge
- Springwood South
- Sugar Creek
- Theodore S Ridge
- Timberline
- Twin Oaks
- Twin Oaks West
- Waterford Pointe
- Wooded Creek
How to Decide: Is Refinancing the Right Decision for You?
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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How to Decide: Is Refinancing the Right Decision for You? Because of ongoing events and the current low-interest rates being seen, many homeowners are contacting me and asking ... "Would a Refinance of my present mortgage be a smart move?" My answer to them is typically, "Well, it depends."It...
FHA Changes to Condo Guidelines ... Why They Matter
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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FHA Changes to Condo Guidelines ... Why They Matter FHA (Federal Housing Administration) has announced that it is issuing new guidelines for Condominiums and Condominiums projects. The new guidelines will take effect as of October 15, 2019. While the new rules extend the time period for FHA Ce...
Establishing Legal Ownership: Condos, Dwelling Parcels, PUDs
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Establishing Legal Ownership: Condos, Dwelling Parcels, PUDs I've "been around" ... Around the mortgage business, that is. For over 40 years. And during those 40 years, besides being a Mortgage Originator, I also held an IL Real Estate Appraiser license for around 2 decades. Plus I was hono...
Reduced Costs Seen for Private Mortgage Insurance
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Reduced Costs Seen for Private Mortgage Insurance In a period of rising mortgage interest rates, some good news has recently arrived from the Private Mortgage Insurance (PMI) industry ... Most of the predominant PMI companies have reduced rates charged to borrowers that finance a home and have ...
Do You Own Real Estate Property? Are You an IL Disabled Military Veteran?
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Do You Own Real Estate Property? Are You an IL Disabled Military Veteran? Last week, I had another opportunity to provide financing services for a home purchase made by one of America's most cherished assets ... a military veteran. It's always a huge honor and distinct pleasure to assist one of...
Myth-Busting Mortgage Credit Scoring
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Myth-Busting Mortgage Credit Scoring Over the years, Mortgage Credit Scoring has evolved. It continues to do so at a fairly constant and rapid rate ... As a result, a large supply and wide variety of updated articles and reports regarding the topic of Credit Scores (Fair Isaac Corporation (F...
2018 Forest Preserve District of Will County "Food Truck Fridays"
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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2018 Forest Preserve District of Will County "Food Truck Fridays" Visit the Forest Preserve District of Will County, either in person or online, and you'll quickly find out that the benefits and services offered by the Forest Preserve District go way beyond the trails, animals, preserves, and b...
Avoid "Mortgage Approval-Ivy". Don't Make These Mortgage Mistakes
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Avoid "Mortgage Approval-Ivy". Don't Make These Mortgage Mistakes When our boys were little, we decided to construct a home in the Lincoln-Way Area of the Chicago Southland. When choosing a lot to build on, we visited subdivision after subdivision in the area. After deciding on the subdivisi...
No Need to Fear the Topic of Private Mortgage Insurance if you Know the Facts
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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No Need to Fear the Topic of Private Mortgage Insurance if you Know the Facts If you've done much research regarding mortgage financing, you've probably heard the term "Private Mortgage Insurance" ... You may have also heard that Private Mortgage Insurance is scary or should be avoided. But in...
Home Buying & Financing: Taking the Steps to Reap BIG Change
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Home Buying & Financing: Taking the Steps to Reap BIG Change Have you set yourself a goal of buying a home in the Chicagoland area? If serious about buying, I'm betting you've tried to grow your savings, improve your credit standing, and raise your credit scores ... and chosen to work with a Mo...
Is a New Chicagoland Home on Your Wish List?
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Is a New Chicagoland Home on Your Wish List? If I had one wish ... Remember as a kid how you made wishes all the time? You made "wishes" over your birthday cake. On coins you tossed in a fountain. You "wishes" on the twinkling stars at night ... or the leftover turkey "wishbones" on Thanksgi...
Mortgage Transactions Need Game Plans & Options Too
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Mortgage Transactions Need Game Plans & Options Too If you watch sports much (and admittedly, I do. Just ask my wife), you've probably seen clipboards and playbooks in the hands of coaches on the sidelines. Those clipboards and playbooks hold the "game plan" for their team and their path to (h...
EMBRACE and LOVE Mortgage and Home Buying Education
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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EMBRACE and LOVE Mortgage and Home Buying Education During a recent face-to-face mortgage application with first-time home buyers, it soon became abundantly clear to me that ... The couple simply Had. No. Clue. As we talked together further,this also became obvious ... Beyond the time we'd spen...
Thinking of "Flipping" a Chicagoland Home?
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Thinking of "Flipping" a Chicagoland Home? "Flipping" shows are increasingly popular on TV these days ..."Flip or Flop", "Masters of Flip", "Flip this House" represent just a small sampling of the shows currently on air featuring the buying, renovating and selling of homes within a short timef...
Applying for a Mortgage? When "Plan A" Doesn't Work ..
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Applying for a Mortgage? When "Plan A" Doesn't Work ... One of the social media sites I find most helpful (and enjoyable) is Pinterest. And I don't mean just business-wise either ... Need ideas for your home? Want to know how to repair something? Ideas for your landscaping, gardening? Love ...
What's Your Motivation to Buy and Finance a Home?
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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What's Your Motivation to Buy and Finance a Home? During conversations with my new mortgage applicants, I try to discern what their "motivation" is for purchasing a home ... Is the motivating factor ... the stimulus to buy and finance ... obvious or unclear? Is the motivation based...
Mortgage Reviews Provide Real Opportunity
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Mortgage Reviews Provide Real Opportunity Reviews, sometimes referred to as "testimonials", deliver a unique opportunity ... They provide you a chance to educate yourself regarding the services delivered by a service provider, company, or professional. They also offer insight into ...
Interest Rate "Indifference" ... it Can Cost You
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Interest Rate "Indifference" ... it Can Cost You Interest Rates are talked about endlessly ... Will interest rates rise ... or won't they? How big will the rate hike be? How soon will the Federal Reserve Board raise its benchmark interest rate? What indicators could influence a decisi...
Turning the IMpossible into the Possible via HomeReady Loans
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Turning the IMpossible into the Possible via HomeReady Loans Today's home financing is all about having options available to you as a Borrower. The wider the selection of financing options you have at your disposal, the better ... Fannie Mae's HomeReady Program is a recent addition to...
Knowing the ABC's of FHA Loans
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Knowing the ABC's of FHA Loans Did you know that the FHA has been around since it was established as part of the National Housing Act of 1934? Yet, there is a mystique that still surrounds the FHA (and FHA loans), even after its many decades of existence. The letters FHA ar...