Don't Assume. Pick-up the Phone. Email or text. Get Mortgage Facts ..

Don't assume.  
Pick Up the Phone, Email, Text.  
Get the FACTS as they Pertain to 
YOU and YOUR personal finances.  
You may just end up a Home OWNER ...

     There are many people presently renting and dreaming of Buying a Home at some point "in the future".  

     After hearing or reading info regarding mortgage financing, they've come to the conclusion that they just can't buy a home now.  Or anytime soon.

     For some, that's true.  Their conclusion is based on fact.  Fact surrounding their finances or credit.  They know for a fact that there's repair needed and it will take a predetermined amount of time to make the improvements and corrections needed in order to buy or buy once again.  

     Examples of this?  Foreclosures, bankruptcy, extremely poor credit (FICO) scores ... they provide factual basis to arrive at their conclusion.  At least for a period of time.

     But there are many that are assuming they can't buy.  And that assumption has kept them from making any inquiries or doing any research.  

     They assume they don't have enough money for a down payment on a home.  That houses all cost too much.  Or that monthly mortgage payments will be too high for them to make.  

     They assume that renting is always cheaper.  Income is a concern for them.  They've assumed that the hardships or credit difficulties they've faced have eliminated all chances of their buying.  Again, they've assumed that the mortgage process is too hard, too complex, or too time-consuming.       

     And they would be dead wrong!

     Truth is:

     *  Down payment requirements for a home purchase can be as low as 3.5% through FHA.
     *  Down payment requirements as little as 3% via Fannie Mae's HomeReady program.
     *  A gift of money can be utilized for down payment.
     *  Credit Scores as low as 580 can qualify 
     *  Options exist to assist Veterans/Military 
     *  No Money Down Options for Veterans
     *  Local programs may exist to assist with down payment and purchase 
     *  Housing prices are still favorable in many housing markets
     *  An experienced mortgage lending professional can guide you and help you navigate your mortgage processing smoothly

     Many myths surround home buying and mortgage financing.  Sadly, because of this, many dreaming of buying believe themselves ineligible to purchase.  And it's not true.  At least not in the long term.

     Even if someone has less-than-perfect credit, it doesn't mean it's the end of someone's dream of buying their own home.  Many Mortgage Lenders work with those in this situation. (I know I do.)  

     I assist in clearing up errors, raising scores, and establishing good credit habits.  Help and sound advice is typically available to those that need it and for those that ask.

     With so many great opportunities presently available ... why not, at minimum ... inquire.  Inquire as to the options, services, mortgage programs, or down payment opportunities that may exist for you.  Inquire as to the FREE assistance and help that may be available to you should you need credit repair.

     The message I want to get across is this:

     Don't assume.  Pick-up the phone, email, text today.  Get the facts as they pertain to you and your personal finances.  You may just end up a home OWNER ... 

     *  Dreaming of Buying or Refinancing a Home in  Will County, elsewhere in Chicagoland, Illinois, or Wisconsin?  Have questions as to what options exist for you?  Need guidance?  Contact me!  I'll put my 37 years of mortgage experience and expertise hard to work on your behalf.
     I can be found at:
Direct:  815.524.2280
Cell/Text:  708.921.6331
eFax:  815.524.2281 
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   
 Trulia Acct. of Gene Mundt, Mortgage Lender   Zillow Acct. of Gene Mundt, Mortgage Lender    Gene's Chicagoland Blog/Gene Mundt, Mortgage Lender 
Gene Mundt, Mortgage Originator, an Originator with 37 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 Greatly Appreciated!




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