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By Gene Mundt, Mortgage Lender - Chicago/Chicagoland Mortgages
(www.genemundt.com)
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, Mortgage Lender - Chicago/Chicagoland Mortgages
(www.genemundt.com)
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, Mortgage Lender - Chicago/Chicagoland Mortgages
(www.genemundt.com)
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, Mortgage Lender - Chicago/Chicagoland Mortgages
(www.genemundt.com)
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, Mortgage Lender - Chicago/Chicagoland Mortgages
(www.genemundt.com)
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, Mortgage Lender - Chicago/Chicagoland Mortgages
(www.genemundt.com)
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, Mortgage Lender - Chicago/Chicagoland Mortgages
(www.genemundt.com)
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, Mortgage Lender - Chicago/Chicagoland Mortgages
(www.genemundt.com)
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, Mortgage Lender - Chicago/Chicagoland Mortgages
(www.genemundt.com)
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, Mortgage Lender - Chicago/Chicagoland Mortgages
(www.genemundt.com)
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, Mortgage Lender - Chicago/Chicagoland Mortgages
(www.genemundt.com)
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, Mortgage Lender - Chicago/Chicagoland Mortgages
(www.genemundt.com)
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, Mortgage Lender - Chicago/Chicagoland Mortgages
(www.genemundt.com)
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...
By Gene Mundt, Mortgage Lender - Chicago/Chicagoland Mortgages
(www.genemundt.com)
Comments 31
I've Applied for a Mortgage:  What is Automated Underwriting?         If you've read much about Mortgage financing ... or talked to a Mortgage Lender lately, you've probably heard the term "Automated Underwriting" ...       This form of Underwriting, performed electronically by a computer, has be...
By Gene Mundt, Mortgage Lender - Chicago/Chicagoland Mortgages
(www.genemundt.com)
Comments 14
  A Recipe for Disaster: Entering your Mortgage Transaction "Flying by the Seat of your Pants"           Have you ever heard the old saying "flying by the seat of your pants"?       I sense that's exactly what some of my potential clients are doing when they first talk to me about buying and fina...
By Gene Mundt, Mortgage Lender - Chicago/Chicagoland Mortgages
(www.genemundt.com)
Comments 9
  Credit Card Security Breaches:   How to Find if YOU Have Been Effected.  How to Protect Yourself Moving Forward              The recent breach in security at multiple well-known retail stores has Credit Card holders more than a little nervous and concerned.  Rightly so ...     These breaches ha...
By Gene Mundt, Mortgage Lender - Chicago/Chicagoland Mortgages
(www.genemundt.com)
Comments 12
  The Effect Real Estate Taxes and Insurance have on Mortgage Loan Approvals and Monthly Mortgage Payments          There is an acronym in the Mortgage Loan Industry known as PITI.  This stands for: Principal Interest Taxes Insurance(s)   (Insurance for Homeowners Premium and Monthly Mortgage Ins...
By Gene Mundt, Mortgage Lender - Chicago/Chicagoland Mortgages
(www.genemundt.com)
Comments 11
  Boomerang Buyers: What to do if you see a  Short Sale in your Rearview Mirror           You've probably seen me mention the term "Boomerang Buyer" in a few of my posts before.  This is a classification of potential Home Buyer that is contacting me more and more often for info, as of late.  As t...
By Cheryl Bowers, Plainfield, Naperville, IL. Real Estate
(Bowers Realty Group LLC)
Comments 0
Waterford Pointe, Homes for Sale in Joliet, Illinois Waterford Pointe Real Estate Statistics Average Home Size: 1604 Average Property Taxes: 4283 Homes Listed: 14 Homes Sold: 8 Average Number of Days To Sell: 124 The above Joliet real estate statistics were compiled by Team Bowers Realtors based...
By Gene Mundt, Mortgage Lender - Chicago/Chicagoland Mortgages
(www.genemundt.com)
Comments 13
  Have YOU Been Hacked? Online Security Issues Raised Again      Once again, the news is filled with reports of a widespread hacking of social media sites, usernames, and passwords, etc. having taken place over the last month or so (Oct., Nov., 2013).  And once again, the matter of internet secur...

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