The Modern Mortgage and Mortgage Process are Much Like a Fingerprint or Snowflake ... No Two are Alike

The Modern Mortgage and Mortgage Process 
are Much Like a Fingerprint or Snowflake ... 
No Two are Alike

     Yesterday, I received a call from a First-Time Home Buyer.  During that call, my young caller's inquisitiveness and enthusiasm ran high.  He peppered me with question after question regarding Mortgages and the Mortgage Process.  And I loved every single minute of it.

The questions he asked covered a wide range of topics and went into quite a bit of detail.  He'd obviously prepared ahead of time for the call.  Everything from Mortgage programs ... to the value of Pre-Approval ... to Interest Rate quotes seen online ... and more was touched upon during that call.  He left no stone unturned. 

     I think my young caller learned a lot during our talk.  But one thing he said made me think I'd really gotten through to him and provided him his "a-HAH" moment ...

     He said that up until his conversation with me, he hadn't realized how tailor-made and specific to HIM ... his personal finances, his needs ... a Mortgage, Mortgage service and the Mortgage Process could actually be.  In fact, he'd thought it'd all be fairly clinical.

     That may have been true years ago when all Borrowers picked from a very short menu of Mortgage options and the process of obtaining a mortgage was routine and the same for everyone.  It certainly was when I started in the lending business back in 1975.  That's no longer the case ...

     The number of mortgage products available at any given time has grown greatly over the past few years.  And these products are introduced and reintroduced on a never-ending rotation.  

     Financing options and outlets for reaping assistance are also available through a growing and varying number of resources.  At any given time, cities, counties, states, FHA, VA, USDA, unions, organizations, banks and lenders (the list goes on and on) could be offering special programs to a specific segment of Home Buyers.  That's a huge and welcome change from the past.

     But the actual Mortgage Process itself has changed greatly too.  From beginning to end, your financing, and the process you navigate is now very personal to you and very distinct in nature.  

     The modern Mortgage and Mortgage Process is much like a fingerprint or snowflake.  No two are alike.  

     The path taken is solely yours ...  

     That fact dawned quite dramatically on my young caller yesterday.  I knew exactly when it happened in the conversation.  There was a definite change in the sound of his voice. 

     You could tell the new knowledge excited him.  And it gave him hope.  It calmed many of the fears he'd had when he first made his call.  

     He now understood there was work and challenges for him ahead.  But he also knew his financing experience could be a positive one with a very positive outcome. 

     That call was a great way to end my day too.  It was like a gift.  Give me hundreds more just like it ...

     Are your a First-Time Chicagoland Home Buyer?  Dreaming of Buying a Home or Refinancing in New Lenox or elsewhere in Chicagoland - IL/WI?  Contact me today!  I'll be happy to put my 40+ years of mortgage experience and expertise hard to work on your behalf.
     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:  815.524.2280
Cell/Text:  708.921.6331
eFax:  815.524.2281


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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 Welcomed!



  1. Thanks for sharing this information. your blog is good and I got so much knowledge
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  2. Another great share, Gene. I always learn so much from your posts. Your young prospective buyer will do well in your hands.


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