Declare Yourself a Great 4th!



Friend!

Our country will be celebrating its independence over the upcoming weekend. Monday is the 4th of July!

Where will you enjoy fireworks?  If in the Will County area, I hope you'll consider viewing from one of the county's many communities hosting this year.  Click HERE to view a list of options available to you.

If you're enjoying a 4th get-together:  My wife has been pouring through magazines/internet to find some fun foods and ideas to add to our family's celebration. I thought I'd share some of the great ideas she's found.  Ideas and links are included below.  

Fireworks of a different nature:  Last week's BREXIT vote.  As I write this, interest rates have adjusted downward as a result of its outcome.

If you've been thinking of Refinancing .. or selling and buying again ... now is a good time to investigate your options and to see if you could save some money. Reach out to me if I can answer any questions or be of service.  

And Remember:  Practice firework safety while enjoying your firework festivities. 

Hope to talk soon!  

Gene  


Your Referrals are Greatly Appreciated


******************************************************


As promised above, great ideas to add to your 4th of July celebration: 

Decorations:


 
Kids Activities:


  
Picnics and Food:



Hope you enjoyed receiving this newsletter and found benefit in reading it. Please feel free to pass it on to others that you think will gain from its content.



   



NMLS #175656






2016 Will County 4th of July Celebrations & Fireworks

2016 Will County 4th of July 
Celebrations & Fireworks


     
     The skies across Will County will be lit-up with fireworks, the streets will be filled with marching bands and floats, and exciting celebrations of all kinds will be taking place during the upcoming 4th of July weekend ...

     There's a huge assortment of ways to celebrate our nation's independence throughout our County.  Below you'll find a list of the many celebrations taking place in towns across Will County, IL.  

     Take this opportunity along with family and friends to celebrate our freedom, our Country's rich history, its people, and many wonderful accomplishments ...

 
2016 Will County 4th of July 
Celebrations & Fireworks


Beecher Fireworks
Date:  July 4th
Start:  9:30 pm
Firemen's Park

 
Bolingbrook's 4th of July Fireworks
Date:  July 4th  
Start:  9:15 pm
Where:  Bolingbrook Golf Club


Braidwood Summerfest - Fireworks
Date:  July 17th
Start:  Dusk
Where:  Braidwood City Park


Channahon Independence Day Celebration
Date:  July 4th
Start:  5:30 pm to 10:30 pm
Where:  Community Park

Frankfort Fourth of July 
Date:  July 4th
Start:  Dusk
Where:  Main Park


Joliet Independence Day Celebrations
Date:  July 2nd
Start:  9:30 pm

Date:  July 4th
When:  Dusk
Where:  Joliet Memorial Stadium


Lemont Park District Freedom Days Fireworks
Date:  July 3 
When:  Dusk
Where:  Centennial Park


Lockport 4th of July Fireworks 
Date:  July 3rd
Start:  9:10 pm
Where:  Dellwood Park


Mokena 4th of July Parade
Date:  July 4th
Start:  10 am

Mokena  -  July 4th Celebrations
Date:  July 4th
Start:  
6:30 pm  -  2nd Kentucky Cavalry Re-Enactment
7:30 pm  -  Encore Concert Band
Dusk      -  Fireworks
Where:  Main Park


Naperville 4th of July Fireworks 
Date:  July 4th
Start:  9:30 pm
Where:  Knoch Park

New Lenox 4th of July 
Date:  July 4th
Start:  9:30 pm
Where:  Village Commons


Plainfield Fireworks
Date:  July 3rd
Start:  Dusk
Where:  Plainfield Central HS


Village of Romeoville Fireworks
Date:  July 3rd
Start:  9:15 pm
Where:  Village Park


Steger Fireworks - Days of Music
Date:  July 10th
Start:  9:30 pm
Where:  Veterans Park


Tinley Park Fireworks
Date:  July 4th
Start:  9:15 pm
Where:  McCarthy Park


Wilmington Independence Day Fireworks
Date:  July 2nd
Start:   9:30 pm
Where:  North Island Park, Wilmington



Enjoy a very Safe and Wonderful 4th of July! 

     
    
  

      Hoping to Buy or Refinance a home somewhere within Will County, IL?  Contact me today!  I'll put my 40+ years of mortgage experience and expertise hard to work on your behalf.  
     I can be easily found at:
Direct:  815.524.2280
Cell/Text:  708.921.6331
 eFax:  815.524.2281   

 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 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. 

Referrals are Welcomed!      
           

Lockport's New Magazine: "Lockport Neighbors"

Lockport's New Magazine:
"Lockport Neighbors"



     If you live in the City of Lockport, IL (Chicagoland) as I do, you probably received an inaugural copy of a new local magazine called, "Lockport Neighbors" in the mail recently ...

     Filled with all sorts of local information, "Lockport Neighbors" magazine hope to provide a great and entertaining way for its readers to get to know the City, its many services, its residents, and businesses.  

     I found a handy directory for important local numbers (emergency and non-emergency) within the first couple of pages of the magazine.  I also discovered businesses within our community that I didn't know existed.

     And that is exactly what the magazine's publication team hopes to accomplish with each issue.  They'll serve as an outlet for those within the Lockport community to share info, updates, activities, and more.  
     
     Some of the topics and items of interest to be included in upcoming editions of the publication include:  

  • Local Schools' activities
  • Resident photos
  • Local Social Organizations' postings
  • Highlights of local families
  • Youth Classifieds (opportunities for young entrepreneurs to showcase their services and businesses)
     And perhaps (being a local Mortgage Originator) what I found to be of great interest and very beneficial to Lockport homeowners ...

  • Neighborhood HOA Association updates (HOA Board Members can contact the magazine for more info on how to submit their information.  There is NO cost to the HOA for posting)
     What a fantastic opportunity for local HOAs to inform their Association Members of recent changes, upcoming plans, news, and more!

     If interested in contributing to upcoming issues of "Lockport Neighbors" magazine, email to:


     The magazine can also be found and followed online on Facebook by clicking HERE.    

     I look forward to learning even more about my community and its residents in the coming months' issues of "Lockport Neighbors" ... hope you do too ...



 *    Hoping to Buy or Refinance a home in Chicago or elsewhere in the Chicagoland area? Contact me! 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 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


https://1609956119.secure-loancenter.com/FreeConsult.aspx
  
 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 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. 

Referrals are Welcomed!      

     

       

     

The Rule of Thumb For Rate Locks and Refinancing? There IS No Rule of Thumb


The Rule of Thumb For 
Rate Locks and Refinancing? 
There IS No Rule of Thumb


     Currently, I'm working with a young couple obtaining financing for a newly constructed home (started the process in February this year).  Last week, we reached the important step in their financing of "locking-in" their loan interest rate, as the home is nearing completion.

     At the time their mortgage application was taken, I quoted what that day's going rate was for their financing.  Because the markets had been moving up and down somewhat erratically at that time, I'd advised that we monitor them for a while and bide our time regarding a rate lock-in.  

     Why?  I felt the likelihood of catching a lower rate during a downturn was good ... especially since we "had time" while the house was being built.  My clients agreed.  We decided to remain patient.  

     Our patience paid off, as I was able to lock-in my client's interest rate at 1/2% lower than the rate they had originally reported as a goal.  That 1/2% represented real savings for them and they were thrilled.

     Now this couple can happily relate the benefits they'll receive from locking-in their mortgage rate.  They'll reap savings with each monthly payment.  Not bad!

     Old "rules of thumb" no longer exist for Refinancing either.  Low or dropping interest rates don't ensure a Refinance is right for you.  No, these days, finding benefit (or not) is to be found in a "recipe" of nuanced items.

     Years ago, the "rule of thumb" regarding Refinancing was very simple.  It completely revolved around interest rates.  

     What was the old "rule of thumb"?  If you'd realize a 1% (or more) drop in your interest rate, it was smart to Refinance. 

     Today?  You need to gather and analyze many more things prior to making a decision regarding Refinancing.  

     What are some of those things you should take into consideration?
  • What is your present interest rate?
  • How many years are left on your present mortgage?  
  • How long do you plan on staying in your present home?
  • What other debt(s) do you have?
  • What type of mortgage do you presently have?
  • What would be your "break even point" for a new Refinance?
  • What are you present Credit Scores?
  • More ...     


     Each of the questions
above will contribute to the overall analysis. Each will help define a final answer or solution.  Each will help reveal a path of action. 


     The answers are specific only to the individual asking them.  The answers are found within their overall financial scenario.  The answers are also dependent on the future plans they hold.  

     Because Truth is:  A "rule of thumb" for Refinancing and locking-in rates just doesn't exist any longer.  Each homeowner must avoid making comparisons to anyone else.  Each homeowner must seek and find the answers ... solutions ... and subsequent course of action specific to them.

     What's the best way to accomplish this?  Talk with a Lender. In Chicagoland (Illinois and Wisconsin), that's me.  

     Together, we'll analyze your present financial scenario and all options available to you.  We'll discover if Refinancing is the best financial course of action for you at this time. Then  we'll initiate a plan of action to help and assist you in successfully completing your goals, no matter what they are.

     Consider that plan of action your personal "rule of thumb", tailor-made to fit you and only you ...



 *    Hoping to Buy or Refinance a home in Chicago or elsewhere in the Chicagoland area? Contact me! 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 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


https://1609956119.secure-loancenter.com/FreeConsult.aspx
  
 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 Originator, an Originator 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 & WI. 

Referrals are Welcomed!      
           

      
      

     
     
     

     

      

      
     


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...