It's Not About "Having" Time. It's About Making Time



It's Not About "Having" Time.  
It's About Making Time 

Quote by: Rachael Bermingham

   
     Mortgage Lenders often catch a lot of grief (and bad press) for Closings that don't take place on time ...

     As a Mortgage Lender, I think some times that's a bad rap. But I can't speak to others' actions or the level of service they provide.  

     I can only address my own professional actions and experiences, my own service level, my own transactions, and what I see take place within them.  

     And what I'm seeing more and more often is a very slow and lackadaisical response time in regards to requests for information and documentation.  People just aren't making their response a priority.  This happened again recently.

     An email I received within my inbox contained no written message.  It wasn't signed with a name or provide any other clues as to the sender.  

     It did however, contain over 20 pages of attached info.    The majority of those pages contained no names, addresses, or references to any specific transaction I presently had in process.  

     But finally:  On the last few pages of the documents received, came a name.  It initially drew a blank, but a light bulb eventually went off fitting the name and a home buying scenario together.

     I'd received a phone call late on a Sunday evening almost 5 weeks earlier.  After a rather lengthy conversation, I'd asked the caller to send me copies of some monthly billing, accounts, and documentation.  I thought that info would outline the debt they had, provide some insight into the property they hoped to buy, and also explain why a previous mortgage application they'd made had been declined.
     
     No documentation arrived.  No further calls or contact of any kind were received.  Even after several attempts to contact them.

     Fast forward almost a full 5 weeks to the email I received today ... 

     I'm happy that this caller is once again pursuing my mortgage services.  But as it turns out, the original home and contract referred to in the original conversation is still in play.  

     And of course, everyone wants to close on the transaction according to the Contract date.  It's urgent they do so.

     Uh-huh.  I'm not kidding ...

     It's vitally important for everyone within a transaction to understand:  For a transaction and its mortgage financing to move quickly and fluidly, clients ... and each professional that represents them ... must reply, comply, and communicate in a timely fashion.  

     Currently, that's proving more and more challenging in too many cases.  And it's interfering with the processing of files.

     I believe that I can and will successfully close the transaction for this client.  But it will not be without a Contract Extension in play. 

     If you're hoping to buy in Chicagoland, Illinois or Wisconsin ... and are in need of mortgage answers and financing, please contact me.  I'll be happy to assist you.  

     We'll all work together towards a successful home Closing with thorough communication and consistent and persistent attention and care ... all carried out in a timely fashion ...



     *  Hoping to Buy or Refinance a home in New LenoxWill County, or elsewhere in the greater Chicagoland area?  Contact Me today!  I'll be happy to hear from you and put my 37 years of mortgage experience and expertise hard to work on your behalf.

     I can be easily found at:



Gene Mundt
Mortgage Lender  -  NMLS #216987  -  IL Lic. #0006220  -  WI Licensed
American Portfolio Mortgage Corp.
NMLS #175656

Direct:  815.524.2280
Cell/Text:  708.921.6331
eFax:  815.524.2281



You're Invited to Follow Me at:

 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 Lender, a Lender 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.  

Your Referrals are Greatly Appreciated!





     

        
       



     

      

     


     

     

      

8th Annual Baker/Koren Round Barn Farm Wine Festival, September 26, 2015

   
8th Annual Baker/Koren Round Barn Farm 
Wine Festival, September 26, 2015

   
     
     The 8th Annual Baker/Koren Round Barn Wine Festival is once again being held in my hometown of Manhattan, IL on September 26, 2015 ... 

     This Wine Festival is being held at the historic Baker/Koren Round Barn Farm, located at 24115 S. US Rt. 52 in Manhattan, IL ... and found conveniently close to major interstates I-355, I-57 and I-80.

     
     The 8th Annual Baker/Koren Round Barn Wine Festival, is being held between the hours of 5 pm to 10 pm, and is open to adults 21 years of age and up.

     A Pre-Sale Ticket price of $20 is available to this Festival until Noon on September 25th, 2015.  On the day of the event the ticket price is $25.00.  To purchase your tickets, click HERE.

     Entry into the Festival includes: 8 Free wine tastings and a souvenir wine glass.  Food vendors, musical entertainment, a wine seminar, a silent auction, and more add to the day's festivities.
          
     Sponsored by:  The Manhattan Park District Foundation, the monies raised by the 8th Annual Baker/Koren Round Barn Farm Wine Festival go to further the preservation and restoration of the wonderful and historic Baker/Koren Round Barn Farm, which is now being utilized, along with the land around it, by the Manhattan Park District

     I hope you consider a scenic drive to Manhattan, during this Fall's 8th Annual Wine Festival.

     For additional information regarding the Festival, go to:  www.manhattanparkdistrict.com/winefest




     *  Hoping to Buy or Refinance a home in Manhattan, Will County, or elsewhere in the greater Chicagoland area?  Contact Me now!  I'll put my 37 years of Mortgage experience and expertise hard to work on your behalf.
     I can be easily found at:

Gene Mundt
Mortgage Lender  -  NMLS #216987  -  IL Lic. #0006220  -  WI Licensed 
American Portfolio Mortgage Corp.
NMLS #175656

Direct:  815.524.2280
Cell/Text:  708.921.6331
eFax:  815.524.2281


You're Invited to Follow Me at:

 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 Lender, a Lender 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.  

Your Referrals are Greatly Appreciated!







Mortgages: Why All Those Questions Are Important


Mortgages: Why All Those Questions 
Are Important    


     My 5-year-old grandson, Henry, is the most inquisitive kid I've ever run across.  At times, Henry's little mind comes up with questions faster than his lips can spit 'em out.  

     Henry constantly peppers me with questions when we're together.  And let me tell you, his "Pop Pop" loves every minute of it.  Asking questions is a great way for him to learn.


     Many of my mortgage clients are much the same.  Especially when they're first-time home buyers.


     Most borrowers want to know:  

  • Can I get approved for a loan?
  • What info will you need from me? 
  • How much home can I buy?
  • How much money can I borrow?
  • What kind of down payment do I need?
  • How soon can I buy?
  • What will my monthly mortgage payment be?
  • and more ...

     I think asking questions is good and it's a great way for them to learn ... just as it is with my grandson.


     Today's Mortgage Process ... should start with a conversation and should include your thoughts, plans, and hopes as you enter your home buying process.  And that conversation should also include LOTS and LOTS of questions.  A real exchange and volley of them.  

   
     During that initial conversation (often to the dismay of many potential buyers), questioning should go both ways.  

     Fact is, I'll probably end-up asking you just as many questions as you ask me.  


      Why?  First, it's the nature of home lending today.  Lenders are required to have a lot of info, backed-up by proof in the form of documentation.  As a result, I must know you and your complete financial/credit position inside out.  


     And how do I accomplish that?  By asking questions!  


     It's a Fact:  These days, buyers (or those refinancing) must expect and be prepared for questions from their Loan Officer and their Underwriters.  And be willing to answer them fully.  

  
     It's also True:  The more questions I ask you upfront or early in the process, the more clearly and thoroughly I know and understand your needs, personal background, credit, and finances.

     That means I can help and guide you better throughout your entire mortgage process.  It also means I can proactively address many issues that might come up during underwriting.


     So all those questions?  I know often they're not portrayed as such ... but they actually are a positive thing.  


     Preparation is key ... to the success you'll find when applying for your mortgage.  Preparing for the questions ahead of time helps you move through them more quickly and easily.  


     To prepare yourself and get a jump-start on your mortgage Pre-Approval and/or application, click HERE.  You'll find my handy list of the info/documentation typically needed at that time.  If you start gathering the info now it'll prove very beneficial when we speak. 


     Bottomline:  Don't fear hearing or asking questions. Bring 'em on!  





     *  Hoping to Buy or Refinance a home in New Lenox, Will County, or elsewhere in the greater Chicagoland area?  Contact Me today!  I'll be happy to hear from you and put my 40+ years of mortgage experience and expertise hard to work on your behalf.

     I'm easily found at:


Gene Mundt
Mortgage Lender  -  NMLS #216987  -  IL Lic. #0006220  -  WI Licensed

American Portfolio Mortgage Corp.
NMLS #175656

Direct:  815.524.2280
Cell/Text:  708.921.6331
eFax:  815.524.2281


You're Invited to Follow Me at:

 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    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 Greatly Appreciated!





     

       

     
     

     
     

     

     

Are You Ready for Fall?

Gene Mundt, Mortgage Lender - Are You Ready for FALL?


Friends ...

The Fall season offers us cooler days and nights to enjoy our homes.  Golden hues of sunlight and colorful falling leaves. The celebration of friendship around warm outdoor fires.  

Fall also provides us time to prepare our homes for the colder winter months ahead.  To button-up and secure.

For these reasons and more, I've found and included some timely Fall tips for you below.  I hope they help you utilize the coming Fall days to maximum potential ... around your home, with your family, and in your life. 

Always remember ... throughout the Fall and entire year, I'm at your disposal for mortgage info, answers, and service ... and for anyone you know and refer that may be in need. 


Gene

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Bob Vila's 10 "Must Do" September Projects ...

With summer winding down and autumn on the horizon, September is the perfect month to perform crucial maintenance tasks, keep the yard in order, and kick clutter to the curb. 
Read on for my favorite jobs for this month.  (MORE...)

Fall Mums: Your Ultimate Care Guide ...

For the perfect late-season bloomer, you can't go wrong with fall mums. Get tips to selecting the right variety, planting, growing and enjoying this fall favorite.  (MORE...)

Fall Recipe:  Caramel Apple Bars ... 

These Caramel Apple Bars are an easy cake bar filled with apples, walnuts, and caramel.  Drizzle the bars with a quick sugar glaze before enjoying this delicious fall dessert.

For this delicious Fall recipe, click HERE!

Printable Chicago Bear 2015 Football Schedule  ...

This Sunday, September 13th, the Bears kick-off their official 2015 season when they play their arch-rivals, the Green Bay Packers.  

Easily follow the Bears all year-long.  Just "click" on the pic of their schedule to the right  ...   ~~~~~>

Safety Tips For Outdoor Bonfires And Fire Pits ...

It takes nothing more than the crackling of burning logs and the glimmer of playful flames to summon joyful spirits and good humor to your backyard gathering with family or friends on a crisp peaceful evening.  

In order to reduce fire hazards and avoid fire damage to your property, you should be prudent and take proper precautionary measures as detailed in the following essential summer safety tips for outdoor fires.   (MORE ...) 


Hope you enjoyed the articles and tips above ... and enjoy the beautiful Fall ahead!

I’d appreciate your Review of my services  on Yelp, Trulia, or Google+:


Thank you!



Email:   gmundt@goapmc.com


2017 Will County Fall Festivals, Pumpkin Farms, Corn Mazes, Hayrides

2017 Will County Fall Festivals,  Pumpkin  Farms,  Corn Mazes, Hayrides       The look of Fall has begun to arrive in Will County and...