Take Advantage of the FREE Safe Ride Home Program in New Lenox, Tinley Park, Mokena, Palos Heights or Orland Park, IL on New Year's Eve 2014!

    

Take Advantage of the FREE Safe Ride Home Program in New Lenox, Tinley Park, 
Mokena, Palos Heights or Orland Park, IL 
on New Year's Eve 2014!

     Do you live (or hope to celebrate) New Years Eve 2014 within the Villages of:

• New Lenox, IL
• Tinley Park, IL
• Mokena, IL
• Palos Heights, IL
• Orland Park, IL

 
      If so, and those celebrations include alcoholic beverages ... please consider taking advantage of the FREE Safe Ride Home Program.  

     The FREE Safe Ride Home Program, funded by the participating municipalities above and the Michael P. Gordon Foundation, will be offering FREE rides home from business establishments located within the participating Villages between the hours of 11 p.m. on Tuesday evening, December 31st and 4 a.m. on Wednesday, January 1st, 2014.

     Residents of the Villages named above can also contact Stretch Limousine at the toll free number: 844.230.1637 ahead of time to arrange for their FREE ride home on New Year's Eve 2014 during the hours above.    

    

     Take Advantage of the FREE Safe Ride Home Program in New Lenox, Tinley Park, Mokena, Palos Heights or Orland Park, IL on New Year's Eve 2014!    

     The Police Departments of these Villages urge their residents and those hoping to celebrate within Village borders ... to not drink and drive ... and establish a Designated Driver for your New Year's Eve 2014 festivities.  

     A Happy and Safe New Year to all!   


     *  The FREE Safe Ride Home Program is just one of the many benefits to be found for residents with the Villages of New Lenox, Tinley Park, Mokena, Palos Heights, and Orland Park.  Should you be thinking of Buying or Refinancing a Home within these communities or elsewhere in Chicagoland during the coming year, and are in need of expert, experienced Mortgage Lending services and guidance, please contact me.  I'll put my 36+ years of Mortgage Lending experience and expertise hard to work on your behalf.
    I can be easily found at:

Direct:  815.524.2280

eFax:  815.524.2281

Cell or Text:  708.921.6331

gmundt@goapmc.com

www.genemundt.com

Click HERE for a FREE Mortgage Consultation!

Ready to Apply for your Mortgage?

             

               

Gene Mundt, Mortgage Lender, a Lender with 36 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.  

Gene Mundt, Mortgage Lender can be contacted at:

 815.524.2280   or   708.921.6331  ... 

or via his email:  gmundt@goapmc.com.

Contact Gene Mundt, Mortgage Lender soon!

 

     

Sending Holiday Wishes To You and Yours!

Sending Holiday Wishes To You and Yours!

     

     The Mundt family has been celebrating Christmas and the Holidays early this year.  

     Our family is growing once again. We're eagerly awaiting the birth of another grandbaby any day now.  Celebrations and get-togethers were bumped-up to accommodate our greatly-anticipated new arrival ... and one very tired expectant mommy.

     I know that my family and I are not alone in our busy schedules, our joys, and many celebrations ... so I'm  sending my holiday message and a small "gift" a bit early.  

     Below you will find a music video.  I think it provides testament to what beauty we humans can accomplish and share when we join together.  I share it with you now ...      

    
      May you be surrounded by those people that you care most about during your special festivities, no matter what day and in what manner you celebrate.  And that you find Peace, Joy, Good Health, Prosperity, Family, Friends, and Love in huge measure throughout the coming New Year! 

     Gene

Gene Mundt

Regional Mortgage Lender  -  Mortgage Lender  -  NMLS 216987

American Portfolio Mortgage Corp. 

Direct:  815.524.2280     Cell/Text:  708.921.6331

eFax:  815.524.2281

gmundt@goapmc.com

www.genemundt.com

 

When a "NO" Doesn't Mean "NO" ... or at Least Not Forever

When "NO" Doesn't Mean "NO" ... 

or at Least Not Forever

     Do I have you thoroughly confused with my title?  If so, let me explain ...

      So many of my potential Mortgage Applicants mention the statistics reported regarding their chances of successfully obtaining financing for a home purchase.  Add what's heard regarding today's actual Mortgage process (which is portrayed as pretty bad too) ... and I can find myself in front of some pretty scared people.  Especially true, if they're First-Time Home Buyers.

     It's hard to deny that the current process for obtaining Mortgage financing can be challenging.  I've addressed this fact many times in prior posts.  In those post I've firmly stated what I also believe to be a fact ... that WHO you choose to work with while pursuing your financing makes a world of difference in the outcome you find.  

     Simply:  If you, as a hopeful Home Buyer don't take the time to do your homework ... or make the effort to find and work with an experienced and knowledgeable Mortgage Lender, you do yourself a huge disservice and severely lower the chances of your finding success.  At minimum, you end-up having fewer financing options and higher financing costs.

     But let's say that you did what I recommend above and you still received a "NO" on your Mortgage Application.  What then?

     This is where I say "NO" doesn't have to mean "NO" .. or at least mean "NO" forever ...  

     I've referred to the Mortgage process as a "recipe" of sorts in the past.  It's definitely true.  Specific Mortgage programs often have specific requirements.  That means as your Lender, I must supply specific information or "ingredients" to Underwriters to secure the perfect "recipe" for Mortgage Approval regarding that Mortgage program.  

     Should we receive a "NO" regarding that specific Mortgage program, it doesn't mean that we can't try another financing option for you.  A "NO" doesn't have to mean "NO" for every option you have at your disposal.  

    Again, this is where your choice of Mortgage Lender comes into play.  If you've chosen your Mortgage Lender wisely, you are more likely to have a menu of financing options available to you ... and their experience and exposure to challenging scenarios will greatly expand your opportunities and chances for success.   

      
     But okay, let's talk worst-case scenario.  You and I worked

through every option you have available to you to this point  and we're still receiving that "NO".  It can happen.  And yes, it can mean that for the time-being you've hit a dead-end.  

     As your Mortgage Lender, I'll assess and then relate to you my advice as to how to best proceed.  If I'm aware of other  opportunities and options that exist for you elsewhere, I'll tell you that.  If credit issues are the problem and we need to work on them, we'll tackle that together.  If there are appraisal or home inspection issues, we'll tackle that too when and where we can.  In other words, we'll leave no stone unturned in order to turn that "NO" of today into a "YES" as quickly as possible.

     So it's true.  Not every "NO" is created equal.  There are those times When a "NO" Doesn't Mean "NO" ... or at Least Not Forever ...

     Much of that is dictated by the choices you make as the future Home Buyer and Mortgage Applicant.  So take control.  Make wise choices.  And don't take "NO" for an answer!  Explore, discuss, and review all your options ...

     *  Hoping to Buy a Home or Refinance in a Lincoln-Way Community, Will County, or elsewhere in Chicagoland?  Contact me today!  I'll put my 36 years of Mortgage experience and expertise hard to work on your behalf.

     I can be easily found at:

Direct:  815.524.2280

Cell or Text:  708.921.6331

eFax:  815.524.2281

gmundt@goapmc.com

www.genemundt.com

Click HERE for a FREE Mortgage Consultation!

Ready to Apply for your Mortgage?

             

               

Gene Mundt, Mortgage Lender, a Lender with 36 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.  

Gene Mundt, Mortgage Lender can be contacted at:  

 815.524.2280   or   708.921.6331  ... 

or via his email:  gmundt@goapmc.com.

Contact Gene Mundt, Mortgage Lender soon!

 

    

    

    

    

Construction Terms & Definitions You Need to Know While Building a Home in Will County & Chicagoland

Construction Terms & Definitions

You Need to Know While Building a Home

in Will County & Chicagoland    

     I've written regarding new home construction in the

Chicagoland and Will County area before ...   

    Examples:

• Is New Construction a Possibility?  Here's How to Find Out ... 
• Could a New Construction Home Be a 
  Home Buying Option For You?
• Love Your New Construction ... But Educate Yourself About Future Tax Bills

    
     Within these posts and others I provide a "blueprint" for the pursuit of a New Construction Mortgage and what is vitally important should you hope to find success in securing construction financing.  

     Construction financing is a process ... one that takes place in an ongoing fashion throughout the planning, building, and ultimately ... at the completion of your home.  Given that fact, it's wise to be fully educated and familiar with the language and construction terms heard through the financing and building processes.  

     Now is the perfect time to kick-start that education and get your New Construction questions answered.  I'm happy to assist you in that.  For financing information and answers, contact me.  


     To help you during the planning and construction of your home, I went in search of glossaries and dictionaries for New Construction.  And I found some great resources to pass on to you ... 

     
For new Construction terminology, I found a handy glossary provided by Home Building Manual at: 

                        www.HomeBuildingManual.com  

     From A to Z, this glossary provides 100's of words and their definitions heard and used while you, your General Contractor, and sub-contractors plan and build your home.

    Another great source of info was available in a  BigRentz article entitled, "Understanding the Construction Terms and Lingo Used During Home Remodeling Projects".  It covered everything from general terminology used during a new construction project ... to Concrete, Doors and Windows, Electrical, Masonry, and more. 

    Some additional sources of info:

• 10 Questions to Ask When Buying New Home Construction

• Questions to Ask When Buying New Construction

• Ask the Builder
• Gene Mundt - New Construction Board - Pinterest (contains general construction info, floor plans, "how-tos, videos, tutorials, ideas, more)

    For those hoping to include "green" features in their new home, I've also included a few resources that will help explain and define what makes a home or product "green".  (There are many more available if you google "green construction".)

     Many contractors are now touting their knowledge and abilities to supply green sustainable homes to buyers.  This is a very timely topic as this form of construction is growing in popularity as well as importance. 

     Those resources are:

• Green Builder Magazine
• EPA.GOV Green Building 
• Jan Green - HomeSmart  (An agent in Scottsdale, AZ. Jan is a recognized expert, advocate, and resource for green construction - living) 
• BuildingGreen
• HUD Exchange - GreenBuildingAdvisor Glossary 

     The good news is:  A large menu of features and options exist for you to learn and choose from ... beginning with lot search ... to the decision of building plan and construction ... through Construction financing.  

     To secure the most advantageous options for every step of the new construction process, you'll need to be fully educated and familiar with all you'll hear and be expected to make decisions on.  These resources provided above will assist you in achieving that important goal.

  

   
     *  To receive the answers and assistance you need prior to building a new home in the New Lenox, Will County, or elsewhere in Chicagoland, receive the info on new Construction financing you'll need, or referrals to real estate professionals in the area, contact me.  
      I'm easily found at:

Gene Mundt

Mortgage Originator  -  NMLS #216987  -  IL Lic. #031.0006220  -  WI #216987

American Portfolio Mortgage Corp.

NMLS #175656

Direct:  815.524.2280

Cell or Text:  708.921.6331

eFax:  1.815.524.2281

gmundt@goapmc.com

www.genemundt.com

          

     

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

Your Referrals & Testimonials are Greatly Appreciated! 

 



     

           

     

Food Pantry Programs and Assistance in Village of New Lenox & New Lenox Township, IL

Food Pantry Programs and Assistance in 

Village of New Lenox & New Lenox Township, IL

     It would never be easy to struggle or know that you might have a hard time putting food on your family's table.  But during the winter Holidays, that struggle seems especially cruel. 


          In the Village of New Lenox and the surrounding New Lenox Township area, residents can find multiple resources that will aid them in their struggle ... via timely assistance and food supplies.  

     The New Lenox Township, in accordance with State of Illinois guidelines, assists its qualified residents with food staples and supplies.  It also provides help during emergency situations.
  

New Lenox Township Food Pantry hours are:

Monday through Friday:  8 am to 4 pm

Township Pantry Location:

1100 So. Cedar Rd., New Lenox, IL

No Appointment Necessary

Proof of Residency is required

For Info:  815.485.6431

or to Email:  www.newlenox.org/contact.asp 

     Township residents can receive one bag of groceries per week of need.  An application (required by law) for assistance must be filled-out by those in need.

     Two  New Lenox area churches also offer a food pantry.

They are:

New Life Church -  New Lenox

Pantry Hours:  4 pm to 5 pm

Every 3rd Wednesday of the month

Church Address:  500 So. Gougar Rd., New Lenox

For more info:  815.462.0202

or Email:  m_huizinga@comcast.net

Crossroads Community Church

Pantry Hours:  9 am to 10:30 am

4th Saturday of each month

Church Address:  1501 S. Gougar Rd., New Lenox

For more info, call the church office at:

Office:  815.462.7700

or Email:  blackfire43@gmail.com 

     It's recommended that you always call ahead to make sure pantries are open and running during normal pantry hours.  

     Please remember too, that these pantries run on the kindness and generosity of New Lenox area residents and businesses, as no tax dollars are received to help stock the pantries with supplies.  Area residents and business wanting to help with the provision of food items are always needed.  Should you be able and willing to help, please inquire at the numbers and contact info above.  Thank you ...

     *  The food pantry and assistance written of above is just one example of the many beneficial services, kindness, and assistance extended to those in need and living within the Village of New Lenox and New Lenox Township, IL.  It speaks highly of the community, its residents, and the quality of life found within its borders.  

     Should you be looking to Buy a Home in the New Lenox area, a surrounding Lincoln-Way Community, Will County, or elsewhere in Chicagoland ... contact me.  I'll be happy to hear from you and put my 36 years of mortgage experience and expertise hard to work on your behalf.

     I can be easily found at:

Direct:  815.524.2280

Cell or Text:  708.921.6331

gmundt@goapmc.com

www.genemundt.com

 eFax:  815.524.2281

Click HERE for your FREE Mortgage Consultation!

Ready to Apply for your Mortgage?

             

               

Gene Mundt, Mortgage Lender, a Lender with 36 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.  

Gene Mundt, Mortgage Lender can be contacted at:  

815.524.2280, 708.921.6331 ... or via his email:  gmundt@goapmc.com.

Contact Gene Mundt, Mortgage Lender soon!