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Showing posts from March, 2016

"How Long Will My Chicagoland Mortgage Closing Take?"

"How Long Will My Chicagoland  Mortgage Closing take?"

     You've found the home of your dreams ...

 The documentation and underwriting requirements for your mortgage have been met.  You've finally heard the sweet words "Clear to Close" from your Lender.  The big day, Closing Day, has been set ...

Once all these things have taken place, I hear the following question from Borrowers fairly often: 

"How long will my Closing take?"

     Truth is, that can depend.  Many factors contribute to the length of time a Borrower is at the Closing table on their Closing Day.  

Some of the things that impact the time needed for Closing are:

Is your transaction a Refinance or Purchase?Day of the Month in which your transaction is scheduled (Tip: Avoid the last day of the monthClosing taking place around a Holiday?  (Holiday-time Closings can be more stressful & shortages in Closing personnel can come into play)Quality of Title Company, Closer, & technology use…

There's No 'I' in Mortgage

There's No 'I' in Mortgage

I have a confession ...

     I am a "Sportsaholic".  Anyone that knows me knows that to be true.  Especially my wife.

Name the sport.  I probably watch it or follow the outcome of its competition/games.  Football, golf, baseball, basketball, hockey, bull riding, tennis, more ... all of them pretty much at all levels.  Local kids teams to professional.

It probably comes as no surprisethen, that I've caught a few of the "March Madness" college basketball games played over the last couple of weeks.  Okay .. admittedly more than a few ..

While I've watched those games, it's become obvious to me that the old saying, "There's no 'I' in Team" is true. The teams that have played the most cohesively as a group have won their games. 

It's also hit me that much the same could be said of mortgages ... "There's no 'I' in Mortgage".  Because in today's mortgage lending, there's s…

The New Mortgage Process: It's Unsung Advantages

The New Mortgage Process:  It's Unsung Advantages 

“Fear not the unknown. It is a sea of possibilities.” 
Tom Althouse

Inaction breeds doubt and fear. Action breeds confidence and courage. If you want to conquer fear, do not sit home and think about it. Go out and get busy.
Dale Carnegie

“How can you know what you're capable of if you don't embrace the unknown?”
Esmeralda Santiago, Conquistadora

Never be afraid to try something new. Remember, amateurs built the ark, professionals built the Titanic.

“The big, bad unknown is only that until it is known. Then you look back and wonder what all the fuss and worry was about.” 
S.A. TawksThe Spirit of Pessimism

I’m sure you see a pattern in the quotes above.  They all address the topic of fear
Fear.  Whether I’m talking on the phone with them, or they’re sitting in front of me, many of my new clients reveal some level or form of it. 
I’m seeing this far more often than I used to.  And I suppose it’s not too hard to understand w…

4 Tips for Spring ... it's Just Around the Corner!

We've had a fairly mild winter, but that shouldn't stop us from getting excited about the arrival of Spring ... 

The weather's been beautiful in Chicagoland the last few days, so this last weekend I walked the perimeter of my home assessing what home maintenance needs to be tackled as improving weather permits. Unfortunately, one bit of maintenance just couldn't wait for Spring to officially arrive.  
My garage door opener had been acting up.  Then went completely kaput. I made a call for repair. 
Happily, I can report the problem wasn't as bad as I feared. A fairly simple fix was all it needed. But as a result of my experience, and the fact that Spring is just around the corner, I decided to include 4 tips for Spring within this week's email. 
I hope the tips here prove timely and beneficial. But remember:If you have plans for your home in mind this Spring (selling, improvements, or expansion), contact me
Together we'll discover what financial options are…