Contract Provisions, Housing Supply, Mortgage Volume: Learning Juggling 101
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Contract Provisions, Housing Supply, Mortgage Volume: Learning Juggling 101 Are you actively pursuing homeownership and out looking at homes with a realtor? If so, I'm sure your realtor has broached many topics with you already. There's a lot to know and stay informed of when buying and financi...
The Year 2020 - Changes Affect Mortgages
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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The Year 2020 - Changes Affect Mortgages The year 2020 has been like no other ... In many ways, because of all the challenges and upheaval, time has felt like it was moving at a snail-like pace. Frustratingly slow and perhaps at times, seemingly standing still. Yet, here we. It's September a...
I Need a Mortgage. What Interest Rate Can I Get?
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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I Need a Mortgage. What Interest Rate Can I Get? Multiple times a day, I hear the question ... "What are the current interest rates" if I want to buy or refinance a home? Oh boy ... Sounds like an easy question to ask a lender, doesn't it? But in reality, it's not. And that's a good and bad...
Mortgage Application During COVID-19: The Need for Information and Documentation is Amplified
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Mortgage Application During COVID-19:The Need for Information and Documentation is Amplified The weekend is often our family's opportunity to tackle errands. That was true again this weekend.My wife had to stop at a store to pick up just one item. The task was supposed to be a short one, so ...
My Partner Has Poor Credit ... Is It Still Possible to Get a Mortgage?
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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My Partner Has Poor Credit ... Is It Still Possible to Get a Mortgage? The topic of credit is an important one when it comes time to prepare and apply for a mortgage. Questions surrounding every facet of credit arise during my initial conversations with prospective borrowers. The following is j...
Self-Employed? What You Need to Know if Financing a Home
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Self-Employed? What You Need to Know if Financing a Home As of June 11, 2020, changes in the processing of SELF-EMPLOYED borrowers have been implemented by Fannie Mae and Freddie Mac ...Why?The financial impact meted out by the COVID-19 pandemic. Uncertainty has befallen many businesses and re...
Navigating a COVID-19-Era Mortgage Transaction Successfully
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Navigating a COVID-19-Era Mortgage Transaction Successfully A few weeks back, I wrote an article regarding the need for homebuyers to adopt the right mindset and being ready to "go to work" when approaching, preparing, and entering the home buying process ... Over the last few weeks that advic...
Summertime is Finally Here! Do You Have an Emergency Disaster Kit for Your Pet?
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Summertime is Finally Here! Do You Have an Emergency Disaster Kit for Your Pet? Summertime ... It elicits memories and thoughts of great backyard barbeques and family and friends enjoying warm nights on decks and patios. You can almost feel the mist and cool water of lawn sprinklers and swimmi...
Protect Your Financial Health & Credit During COVID-19 ... Take These Steps Now
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Protect Your Financial Health & Credit During COVID-19 ... Take These Steps Now Your physical health and mental well-being must always be an important focus. The grave challenges posed by the current COVID-19 crisis, make that even more true ...But it's not only your physical and mental healt...
Appraisal Waivers: What are They? Who's Eligible?
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Appraisal Waivers: What are They? Who's Eligible? Many changes surrounding residential appraisals have occurred recently. Some have come as a response to the challenges presented by Covid-19. Others were put into place prior to our facing current viral challenges. In this article, I address o...
Mortgage Forbearance: The Who, What, When, Where & How
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Mortgage Forbearance: The Who, What, When, Where & How No one knowingly buys a home envisioning that financial hardships lie ahead ... Yet hardships and challenges come even when planning and preparations have been made. Those are the circumstances that many American homeowners now find thems...
This is the Perfect Year to Start Your Container Vegetable & Fruit Garden
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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This is the Perfect Year to Start YourContainer Vegetable & Fruit Garden This Spring of 2020 seems like the perfect time to plan and start a vegetable or fruit garden ... Providing yourself a ready-source of fresh vegetables and fruits meets the challenges currently found upon entering grocery s...
Adopt a Winning Mindset If Preparing for Mortgage Financing
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Adopt a Winning Mindset If Preparing for Mortgage Financing Springtime means just one thing to countless millions of people like myself ... The Masters Golf Tournament ... The delay of this year's 2020 tournament left golf fans with a void to fill until fall. But thankfully, last year's Mast...
How to Declutter & Donate in the Age of COVID-19
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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How to Declutter & Donate in the Age of COVID-19 Millions of Americans have been ordered to stay at home during the COVID-19 crisis. Many have taken advantage of some of their time while at home to clean, declutter, and organize their homes. The process of doing so obviously minimizes the ...
Chicagoland & Surrounding Northern Illinois County Offices: Update on Services
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Chicagoland & Surrounding Northern Illinois County Offices:Update on Services The COVID-19 outbreak has presented many challenges for all real estate professionals on many fronts ... One of those challenges has surrounded just WHO is still functioning and providing supportive services for tran...
Addressing the Chicago-Area Housing Shortage: Can New Construction Be an Answer?
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Addressing the Chicago-Area Housing Shortage: Can New Construction Be an Answer? There's a home inventory shortage currently being experienced in the Chicagoland area, just as there is all across the U.S. A recent report shared in Crain's Chicago Business proves that to be true, as it states ...
Sheltering-in-Home? All Stocked Up? What You Can Do Next
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Sheltering-in-Home? All Stocked Up?What You Can Do Next The current coronavirus scare has many cities, states, and our entire nation declaring a "shelter-in-place" or lockdown of many businesses and services. We're all having to learn how to navigate the stresses and challenges the virus has ...
Your Savings & Down Payment Secret Weapon: Your Tax Refund
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Your Savings & Down Payment Secret Weapon:Your Tax Refund Socking away money for any reason is no small fete these days ... But when the savings are for the purchase of a home, especially if your first home, the act of saving money can seem even more challenging ... and take on an even hig...
What You Need to Know About Financial Markets and the Mortgage Process
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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What You Need to Know About Financial Markets and the Mortgage Process The speed and ferocity with which the financial markets have been moving as of late have been mind-boggling ... Even consumers that are typically only casual observers of the financial markets, not participants in them, ar...
Arriving Summer of 2020: The New FICO 10 Scoring Model. Here's What to Expect ...
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Arriving Summer of 2020: The New FICO 10 Scoring ModelHere's What to Expect ... Hotter temperatures aren't the only thing that will soon be rolling in. A hot new FICO Scoring model will also make its entrance at some point during the upcoming summer months ... A new credit scoring model isn'...
Refinancing ... is it right for me? How to find out ...
(NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656)
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Refinancing ... is it right for me? How to find out ... There are many factors that influence the rise and fall of mortgage interest rates ...Case in point, right now the fear of a global coronavirus outbreak has the markets in a tither and that anxiety has resulted in lower and fluctuating...
