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Showing posts from October, 2015

Halloween Treats for Your Business - 10/29/2015

October 29, 2015
Friend,
The winds, rains, and overcast skies we've been experiencing over the last few days set the stage perfectly for this coming weekend's Halloween celebrations.   Spooky things could await ...
But with the information I've included within this week's newsletter, you don't need to fear. Only "Treats" are sent your way.
Please pay special attention to the articles entitled, "NEW Guidelines for Keeping Your Current Home While Buying Another"  and"Educate Yourself About the New Standards Regarding Real Estate Marketing Service Agreements".  
I believe they contain timely info that will prove especially beneficial to you ... and ward off ghostly occurrences.
Enjoy!
Gene
PS:  Feel free to pass this newsletter and my contact info on to anyone you think would find them of interest and benefit.  
Thank you!

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How Much Can I Borrow? Keys to Affordability

How Much Can I Borrow? Keys to Affordability

"How much can I borrow?"

Sounds like a simple question, doesn't it? But like many things, it's not quite as simple as it seems ...

     Being a Chicagoland Mortgage Lender, I obviously get asked this question a lot.  Most times people expect an answer will be provided fairly quickly and easily.  

     But to answer this question, I must first ask and then receive answers to a series of key questions. That series of questions typically include this important one ... 

"Have you narrowed your search to one specific home?"

     Wonder why that question's so important?

Real Estate Taxes and HOA Fees. 

     Real Estate Taxes greatly influence the monthly escrow payment attached to any property.  Same thing goes for those homes that have HOA Fees (Home Owner Association Fees) that accompany the property. 

It's a simple fact:  Raise Taxes and HOA Fees  (when  applicable) and a Borrower's borrowing power drops.  In reve…

NEW Guidelines for Keeping Your Current Home While Buying Another

NEW Guidelines for Keeping Your Current 
Home While Buying Another

In recent weeks, there has been some very good news in home financing for homeowners that choose to retain their primary home (or can't sell because they're underwater) while pursuing the purchase and financing of a new home ...
Underwriting Guidelines that play a predominant role in the financing of these types of purchases have now been relaxed.  New Guidelines now allow a more manageable level of funds (less than before) be required to buy and close on these new homes.
The housing decline that took place between 2008 to recent times resulted in a tightening of lending standards.  However, Market Values have now recovered and rebounded in many (if not most) of the country.  
Recognizing this, plus the fact that there is now more stability in the economy, Fannie Mae and Freddie Mac have lowered the "Reserve" Requirements made upon Buyers choosing to retain/rent their current residence, but buying and movi…

No Tricks ... Just Treats During October! Gene's 10/14/2015 Newsletter

Friend:

Witches!  Zombies!  Ghosts! Haunted Houses! October is the time when spirits lurk at each and every corner ...

October's the time for playing in fall leaves, chillin' in front of bonfires, and bundling-up with warmer jackets for football games played in crisp fall weather. October's also a great time to bundle-up your home for the cold winter months ahead too.

To help you accomplish all these things and more, I've included some great articles I found for your enjoyment and use.

Hope you get all the treats you deserve and enjoy every minute of your October ...


Gene


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Colder weather means you'll be  wanting to use your fireplace soon ...

Using Your Fireplace Safely ...

One of the joys of the fall and winter season is curling up in front of a warm fireplace. Proper fireplace use and maintenance, along with a commitment to safety, will keep the enjoyment from turning into tragedy.   (MORE ...)


How to Add Curb Appeal to Your Hom…

2015 Fall Festivals, Pumpkin Farms, Hayrides & Halloween Venues in Will County

2015 Fall Festivals, Pumpkin Farms, Hayrides & Halloween Venues in Will County 

Cooler temperatures and falling leaves mean that Fall has arrived and Halloween is just around the corner.  And that means pumpkin farms, corn mazes, haunted houses, scarecrows, spooky ghosts, witches, and goblins of all shapes and sizes have cropped up everywhere.     
     For those living in/near Will County, in Illinois ... that means families and friends will be looking to get out and enjoy all that Fall has to offer.  
    To help do that, I've compiled a list of Pumpkin Farms, Patches, Corn Mazes, Hayrides, Halloween Venues, Fun Fall Festivals and more that can be found within the boundaries of Will County, IL ... along with info, links, and directions for each venue.
     I hope the list proves beneficial to you, your family, and friends ... and helps you find a Fall seasonal event to visit and enjoy!

2015 Fall/Halloween Venues – Will County

Johansen Farms Petting Zoo Sept. 12th - October 31st, 20…