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You Go to the Gym. You Workout Daily. But How is Your FINANCIAL Fitness??

You Go to the Gym.  You Workout Daily. 
But How is Your FINANCIAL Fitness??

     During a mortgage pre-qualification, I ask many questions.  Among those questions are those pertaining to the applicant's credit and credit scores.  This shouldn't be surprising, given the enormous importance credit plays in mortgage lending.

 Your Mortgage Menu: Your Financial Health Dictates What Choices You Have      What's surprising to me though, is NOT the number of those applicants that don't know their credit scores.  Nope.  

     It's the sheer number of those that think they DO ... and then are totally, utterly, completely wrong.  They truly have no clue just how "financially fit" they are.  

     Now I'm not talking people trying to misrepresent the reality of their credit scores.  That happens, although I don't understand why someone would try this, as I'm obviously going to uncover the truth when their credit report is run.   

     No, I'm talking those that honestly do not know.  And being in the dark about credit and credit scores?  It's just not financially healthy.

     Credit and credit scores, are written about and talked about endlessly and in great detail.  And there's a good reason for that.  

     Now more than ever, your credit scores play a huge part in what you are charged when buying items.  Or whether you successfully obtain those things you want or need to live or work. 

     Credit scores can be:  

  • The bottom-line determinate as to whether landlords will rent to you  
  • Whether you'll get a utility company to supply service in your home, apartment, or business when you apply for it  
  • Whether you can get a cell phone or cable provider to put you under contract for service  
  • More ...

     In today's world, all very important things ... 

     It's mandatory that you carry car insurance when driving.  What you pay for that auto insurance will be dictated by your credit scores.  Other insurance premiums will be affected, as well.   

    Those credit cards with the low-interest rates seen advertised all the time (especially around the holidays)?  You won't be eligible, if your credit scores are too low. 

     Credit scores ... they can't just matter to you when you're hoping to buy a home ... 

      Everything related above is why it's so important for you to get aware ... and stay aware ... of your credit scores and credit standing.  You have to pay attention on an ongoing basis. 

     Look at it this way ... 
 Contact Me!
     Your financial health needs must be addressed much like your physical health needs do. 

     You need a yearly financial checkup, just like you do your physical checkups.  Your financial checkup is the act of running your credit report at least once per year.

      Again, you can't wait to become financially "fit" just when hoping to buy a home.  Being knowledgeable about your credit and your financial health should be a lifelong and ongoing regimen.  

     So get knowledgeable about your financial fitness NOW.  Find out your credit scores and then stay educated about maintaining or improving them.  

     I can help you accomplish that.  And there will never be a better time than right now to get started.  Pick-up the phone. Email ... text ... contact me ... or stop by and talk to me today.

Have credit questions or needs?  Want to know your credit scores?  Get on track to buy a home?  Contact me now.  With over 40+ years of credit and mortgage experience and expertise, I can help you accomplish your goals.   
     I can be easily found at:  

Gene Mundt
Mortgage Originator  -  NMLS #216987  -  IL Lic. #031.0006220  -  WI Licensed

American Portfolio Mortgage Corp.
NMLS #175656

Direct:  815.277.4036      
Cell/Text:   708.921.6331    


Twitter Account of Gene Mundt, Mortgage Lender   LinkedIn Account of Gene Mundt, Mortgage Lender   Facebook Acct. of Gene Mundt, Mortgage Lender   Pinterest Acct. of Gene Mundt, Mortgage Lender   
  Gene's Chicagoland Blog/Gene Mundt, Mortgage Lender

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, Romeoville, Naperville, etc.), DuPage County, the City of Chicago, Cook County, and elsewhere within IL & WI.  

Your Referrals are Always Greatly Appreciated!



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