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By Gene Mundt, Chicago-area Mortgage Lender - www.genemundt.com, 708.921.6331 - 37 yrs experience
(NMLS #216987)
Comments 35
  School is in Session! The Benefits of Conventional Lending vs FHA         Mortgage Insurance is required on loans where a 20% down payment is not available from the Buyer/Borrower.        Since most all Conventional Loans in the traditional marketplace require a minimum of 5% down, (Note: I sai...
By Gene Mundt, Chicago-area Mortgage Lender - www.genemundt.com, 708.921.6331 - 37 yrs experience
(NMLS #216987)
Comments 18
         Below you'll find this week's news and info I thought you'd find of interest and use.         Please remember to keep your questions and suggestions for future email blasts coming!  I love hearing from you and your input is always greatly appreciated!     12 things you absolutely must do...
By LaNita Cates
(REMAX of Joliet)
Comments 1
          BEAUTIFUL CONDO READY FOR A NEW HOMEOWNER! 3 BEDROOMS, HUGE LUXURY MASTER BATH AND A LARGE WALK-IN CLOSET. 1ST FLOOR OFFICE (COULD BE BEDROOM, PLAYROOM, DINING ROOM). NEW HARDWOOD FLOORING ENTIRE FIRST FLOOR, STAIRS AND UPSTAIRS HALLWAY. ALL APPLIANCES STAY. BEAUTIFUL WATER VIEW IN BACK...
By Gene Mundt, Chicago-area Mortgage Lender - www.genemundt.com, 708.921.6331 - 37 yrs experience
(NMLS #216987)
Comments 33
  I Received a New Property Assessment.   What Do I Do?        As a Chicago-area Mortgage Lender, I've always been asked a lot of questions regarding Taxes and Property Assessments.  Property Taxes, and subsequently monthly tax escrow contributions, play a very important role in loan approvals/de...
By Gene Mundt, Chicago-area Mortgage Lender - www.genemundt.com, 708.921.6331 - 37 yrs experience
(NMLS #216987)
Comments 55
  Don't Assume You Know the Outcome of a Mortgage Consultation You've Never Had           As often happens, another's writings motivate me to write a post of my own.  That was the case with a post written by fellow-lender (CT) and ActiveRain member, Joe Petrowsky.  Joe's recent post entitled, "Go...
By Gene Mundt, Chicago-area Mortgage Lender - www.genemundt.com, 708.921.6331 - 37 yrs experience
(NMLS #216987)
Comments 27
  "To Condo or Not to Condo" That Should Be the Question ...        As a Chicago-area Mortgage Lender, I never try to influence a Buyer as to the type of property they should or should not buy.  That's their personal choice ... and not my place.      But as their Mortgage Lender and Advisor, I DO...
By Gene Mundt, Chicago-area Mortgage Lender - www.genemundt.com, 708.921.6331 - 37 yrs experience
(NMLS #216987)
Comments 14
   The Many Ways Poor Credit Scores Cost You      A large percentage of the potential home-buyers I speak to have a basic knowledge of how credit scores influence the interest rate received when they finance their home purchase.  Most understand the basic principal:  The higher their credit score...
By Gene Mundt, Chicago-area Mortgage Lender - www.genemundt.com, 708.921.6331 - 37 yrs experience
(NMLS #216987)
Comments 35
    Waiting Periods and Extenuating Circumstances After a Short Sale, Foreclosure, Bankruptcy       I wrote recently about Fannie Mae's announcement regarding the extension of the waiting period for those Buyers hoping to become Homeowners once again after having experienced a Short Sales (Pre-Fo...
By Gene Mundt, Chicago-area Mortgage Lender - www.genemundt.com, 708.921.6331 - 37 yrs experience
(NMLS #216987)
Comments 10
Here's this week's news, info, and timely articles I thought you'd find of interest and benefit.   Should you have specific topics or questions you'd like covered or addressed in future blasts, please let me know.  Your suggestions and input are always appreciated ...     Mobile Apps are availab...
By Gene Mundt, Chicago-area Mortgage Lender - www.genemundt.com, 708.921.6331 - 37 yrs experience
(NMLS #216987)
Comments 44
         Coulda ...  Woulda...  Shoulda! That's What You're Going to Say, if You Don't Buy Now!          Missed Opportunities!    Regrets!    Lost Potential!         Coulda ... Woulda ...    Shoulda!              That's what you're going to be hearing yourself say ... if you don't buy a home whil...
By Gene Mundt, Chicago-area Mortgage Lender - www.genemundt.com, 708.921.6331 - 37 yrs experience
(NMLS #216987)
Comments 29
  My Wide & Vast Mortgage Background Sets Me Apart & Provides Value-Added Benefits to Borrowers      I've been reading many of the post submissions to the  "What Sets You Apart:  Your Value Added Benefit?  An ActiveRain Contest"  over the last few days.  It's obvious that ActiveRain has many tale...
By Gene Mundt, Chicago-area Mortgage Lender - www.genemundt.com, 708.921.6331 - 37 yrs experience
(NMLS #216987)
Comments 8
  How to Avoid Unwelcome Surprises When Buying a Chicago-Area Condominium or Townhome        One issue that has cropped-up often throughout the time I've been a Mortgage Lender (and continues to do so routinely) surrounds the question ...     Is the property I'm purchasing really a Condominium .....
By Gene Mundt, Chicago-area Mortgage Lender - www.genemundt.com, 708.921.6331 - 37 yrs experience
(NMLS #216987)
Comments 31
  FHA Announces New Blueprint for Home Buying Success: "Homeowners Armed with Knowledge"            It probably comes to you as no surprise ...       Hopeful home buyers are struggling to save the funds and down payments needed to purchase homes. Many are also finding that securing their mortgage...
By Gene Mundt, Chicago-area Mortgage Lender - www.genemundt.com, 708.921.6331 - 37 yrs experience
(NMLS #216987)
Comments 8
   How to Dispute Credit Report Errors While in the Mortgage Process      Veterans of the Mortgage Industry can remember a time when clients suffering errors or inaccuracies within their Credit Report, were typically advised to "dispute"  those errors ...       But because of recent changes that ...
By Gene Mundt, Chicago-area Mortgage Lender - www.genemundt.com, 708.921.6331 - 37 yrs experience
(NMLS #216987)
Comments 24
   AFTER Your Mortgage Closing: Keeping the Lines of Communication Flowing          This post, although specifically aimed at my mortgage clients, contains a message that can pertain to other service provider's customers too ...         The topic?  Communication!       Specifically, the lines of ...
By Gene Mundt, Chicago-area Mortgage Lender - www.genemundt.com, 708.921.6331 - 37 yrs experience
(NMLS #216987)
Comments 70
   "Because" ...   The Mortgage Underwriter is Requesting it!           As parents, we often find ourselves trying to explain things or reason with our children.  And when we do, it's almost inevitable that we hear a "Why?" after each attempt.  I know each of my boys did this.  Sometimes relentle...
By Gene Mundt, Chicago-area Mortgage Lender - www.genemundt.com, 708.921.6331 - 37 yrs experience
(NMLS #216987)
Comments 56
Creating a Paper Trail to Document Funds for Your Mortgage Closing            It used to be years ago, that couples .. husbands, wives, and even the kids, kept their financial accounts together in one bank, one savings account, and typically just one checking account.  I know my parents and my w...
By Gene Mundt, Chicago-area Mortgage Lender - www.genemundt.com, 708.921.6331 - 37 yrs experience
(NMLS #216987)
Comments 8
  Buying Homes Owned by Banks and Government Agencies: What Benefits Might Exist             Property Sellers are often showing up on real estate contracts these days as Entities or Companies, not as human beings.  Government Agencies including Fannie Mae, Freddie Mac, HUD, VA,  and banks are as ...
By Gene Mundt, Chicago-area Mortgage Lender - www.genemundt.com, 708.921.6331 - 37 yrs experience
(NMLS #216987)
Comments 52
    Taking the Mystery Out of Credit Scores       Were you recently denied approval on a loan application?  Do you suffer from lower Credit Scores?  Did you receive an Interest Rate higher than someone else with higher Credit Scores?        If so, there's a chance one of the following issues was ...
By Gene Mundt, Chicago-area Mortgage Lender - www.genemundt.com, 708.921.6331 - 37 yrs experience
(NMLS #216987)
Comments 18
  In Today's Real Estate Appraisals: Info is King, Data is Available          In this automated day and age, a huge amount of real estate sales data is readily available to professionals ...         With a few clicks and the entry of a few parameters, a Real Estate Appraiser can create an instant...

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