Lincoln-Way Community High School, District #210 2016 Varsity Football Schedules


Lincoln-Way Community High School, District #210
2016 Varsity Football Schedules

"There's two times of year for me: 
Football season, and waiting for football season." 

Darius Rucker

     
     Nothing says it's Fall like football ...

     And Lincoln-Way Community High School, District #210, serving the New Lenox, Frankfort, Mokena, and Manhattan communities, provides plenty of great opportunities to watch top-notch gridiron action.

 
     Consisting of 3 schools and campuses, Lincoln-Way Community High School, District #210 will offer a full 2016 schedule of exciting football games and superb half-time entertainment for area residents' and visitors' enjoyment.

     Below you'll find the 2016 Varsity Football Schedules for each of the 3 Lincoln-Way High Schools. 





Lincoln-Way Community High School, District #210






           2016 Central Football Schedule

 Printable 2016 LWHS Central Football Schedule

2016 West Football Schedule

Printable LWHS West 2016 Football Schedule

2016 East Football Schedule

 Printable LWHS East 2016 Football Schedule

     
     Remember:  Lincoln-Way Community High School, District #210 football games can be heard on WJOL 1340 AM throughout the entire 2015 football season ... 
     
 LWHS Combined Marching Band - 300+ Strong!     Both my wife and I are proud LWHS alumni ... and we hope that you take the opportunity to attend LWHS events and support Lincoln-Way High School District #210 students, athletes, and musicians this Fall and throughout the entire year.    

     Best of luck to all the Lincoln-Way Community High School, District #210 athletes, students, musicians, coaches, directors, teachers, and parents ...

     
     
    *   If you're hoping to buy a home, or are in need of credit info and/or mortgage services in one of the Lincoln-Way Community High School District, 210 communities ... Will County, or elsewhere in the greater Chicagoland area, please contact me. I'll put my 40+ years of expertise and experience to work on your behalf.
     You can easily find me at:
     
Gene Mundt

Mortgage Originator - nmls #216987 - IL Lic. 031.0006220 - WI Licensed

American Portfolio Mortgage Corp.
nmls #175656


Direct: 815.524.2280
Cell or 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
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!
      
   

NOW May Not Be the Perfect Time to Buy, but It IS the Perfect Time to Start Your Preparation


NOW May Not Be the Perfect Time to Buy, 
but It IS the Perfect Time 
to Start Your Preparation 


     A recent survey performed by Fannie Mae reported that a majority of Millennials feel that owning a home makes more sense that renting does.  And a full 49% said that their next move would be to a home of their own ...
Millennials: How to Establish Credit Quickly and Easily

     Add that info and statistic to the statistics reported below and you quickly see what a great impact these actions could have on our economy, lifestyles, communities, etc., not to mention the real estate industry itself, should they become reality:

  • U.S. Millennials number 66 million individuals 
  • The median age for First-Time Homebuyers during 2015 was 31 years of age
  • Two-thirds of millennials haven’t reached that homebuying age of 31 
  • 22% are under 25 years old
  • Millennials are expected to form 20 million new households by the year of 2025

     What this means of course, is that the Chicagoland real estate market (and others) could experience a large influx of young Millennial - First-Time Home Buyers entering the market within the next decade.

     Do these statistics represent your hopes or intentions?  A family member's?  A friend's?  If they do ...

     Whether a First-Time Buyer, a Millennial, or anyone else planning on buying a home in Chicagoland at some point in the future, I recommend that you start planning for your purchase NOW.  The more prepared you are for a home purchase, the better.

     So where and how do you start your planning and preparation?

     My first suggested step is always:  Talk to a Mortgage professional.  

     If hoping to buy in Chicagoland (IL/WI), reach out to me.  We'll go over your finances and credit together, talk about your plans and goals, then get you on the best path for buying a home smoothly and successfully.

     But then what?   


     During this interim waiting period:  With your plan for building upon your finances and maximizing your credit scores on-track ... you can move your home buying preparation and focus on to some fun activities and helpful research.  

     
When it comes time to work with a Realtor, you'll be asked many questions. Be better prepared to answer those questions.  Do some preliminary homework regarding the following:

  • What style/design of home do you prefer?
  • Condominium, Townhome, Single-Family?
  • Established home or New Construction?
  • Move-in Ready .. or Home with Projects?
  • Which town?
  • Which Neighborhoods?
  • Downtowns
  • Transportation?  (Highways, airports, streets, transit, cabs, commute time, etc.)
  • Walking-or-Biking Friendly?
  • Quality Schools?
  • Park Districts?  Entertainment?  Restaurants? 
  • Crime Statistics?
  • Shopping nearby?
  • HOA or no?  Rules/Regulations/Laws?
  • Internet Services?  Connectivity?  Etc.
  • Property Tax Rates?
  • Friends/Family Nearby?
  • Noise levels Day and Night?
  • More ...

     There is lots to know and consider, isn't there?  So when starting your research and quest to buy/ finance a home, read and learn as much as possible regarding the process in its entirety, start to finish.  Also get to know the real estate market in which you hope to buy or build.

     Also ask yourself:  What are my tastes and lifestyle needs? Then construct a list of the items and concerns most important to you. 

     A great resource that will help you during this time of discovery can be the Pinterest social media website. There'is a myriad of topic Boards available there for browsing and learning from a full array of real estate-related professionals. 

     Pinterest will help you discover your personal likes/ dislikes as it pertains to architectural styles, housing features, and decor.  Helpful info regarding the process of buying/selling/financing, mortgage options, housing/ mortgage terminology, new construction, landscaping, home maintenance, and much more can also be found there.  

     For those hoping to buy in the Chicagoland area,  please consider viewing my Pinterest site and boards.  I offer a full variety of real estate-related topics and local info that can prove of value, interest, and entertainment to you or anyone considering a move to the Chicago - Chicagoland area.
     
Pinterest Boards - Gene Mundt, Mortgage Originator
     My Pinterest Boards  offer info on:


     I recommend you check-out the Boards of other Pinterest members too ...   

     If you're a Millennial (or other hopeful future Home Buyer) dreaming of buying at some point "down the road" ... 

     NOW May Not Be the Perfect Time to Buy, but It IS the Perfect Time to Start Your Preparation.  

     NOW is a great time to start your home buying journey.  NOW, while there is no real estate contract or time-related deadline facing you.  

     NOW is the perfect time to educate and familiarize yourself with the process of home buying.  NOW, when you have the time to polish and maximize the potential of your Credit Scores. 

     NOW is the time to get a good head start ... 




    

     * Hoping to Buy or Refinance a Home in New Lenox or elsewhere in the Chicagoland area? Contact me! I'll put my 40+ 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 or 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!
      


       

     

      

      

     
      
           


   

Waiting Periods and Extenuating Circumstances After a Short Sale, Foreclosure, Bankruptcy

Waiting Periods and Extenuating 
Circumstances After a Short Sale, 
Foreclosure, Bankruptcy 



I wrote a while back about the Fannie Mae announcement regarding the extension of the waiting period for Buyers hoping to become Homeowners once again after having experienced a Short Sales (Pre-Foreclosures).


 
The waiting period is extended to 4 years ... regardless of Loan-to-Value considerations (or Down Payment percentages).

Naturally, there was a wide range of reaction to Fannie Mae's announcement. There were also many questions asked in regards to the change and to my post. I'm addressing some those questions here.

I'm also featuring info regarding those exceptions seen as viable hardships/options for Short Sales ... and the financing options that remain available for new potential Home Buyers having faced this situation.

Quite a few questions were raised regarding FHA and VA waiting periods. Both FHA and VA have shorter waiting periods.

As a general rule:
VA allows financing two (2) years after a Short Sale
FHA requires a three (3) year waiting period

Exceptions to the rules include:
Shorter waiting periods for VA and FHA loans are possible if the Mortgage Payment History is perfect (NO late payments. But this rarely occurs.)
Conventional Loans can be achieved two (2) years out AFTER an Extenuating Circumstance.

An Extenuating Circumstance is defined by Fannie Mae as:

B3-5.3-08: Extenuating Circumstances for Derogatory Credit (04/01/2009)

Extenuating circumstances are nonrecurring events that are beyond the borrower’s control that result in a sudden, significant, and prolonged reduction in income or a catastrophic increase in financial obligations.

If a borrower claims that derogatory information is the result of extenuating circumstances, the lender must substantiate the borrower’s claim.


Examples of documentation that can be used to support extenuating circumstances include documents that confirm the event (such as a copy of a divorce decree, medical reports or bills,notice of job layoff, job severance papers, etc.) and documents that illustrate factors that contributed to the borrower’s inability to resolve the problems that resulted from the event (such as a copy of insurance papers or claim settlements, property listing agreements, lease agreements, tax returns) covering the periods prior to, during, and after a loss of employment), etc..

The lender must obtain a letter from the borrower explaining the relevance of the documentation. The letter must support the claims of extenuating circumstances, confirm the nature of the event that led to the bankruptcy or foreclosure-related action, and illustrate the borrower had no reasonable options other than to default on their financial obligations.

 

FHA also has a 1-Year "Back to Work" Program ...
(See my post "Good News for Many Hopeful 2014 Home Buyers: FHA's "Back to Work - Extenuating
Circumstances" Program").


The FHA program allows financing after a significant economic event. Think job loss, company shut-down, significant pay cuts.

I obviously can't address all the many and different possibilities and individual scenarios that customers might face within this post. But I do want to stress this important fact: Each situation is unique. Each situation is subject to review. And that's good news!

Why?

Because that means there's no blanket, ready-made decision regarding a customer's individual financial situation. Each potential Buyer has the opportunity to fully explain their personal "Extenuating Circumstances" and prove that moving forward, they'll be a responsible Mortgage holder that meets their monthly Mortgage Payment obligations.

Waiting Periods and Extenuating Circumstances After a Short Sale, Foreclosure, Bankruptcy ...

Bottomline: Ever-changing guidelines make it vitally important that Buyers/Borrowers find and work with an experienced, knowledgeable, and resourceful Loan Officer when considering a Mortgage.

This is especially true when they've previously faced the challenges of a Short Sale, Foreclosure, Deed-in-Lieu of, Bankruptcy, or any other significant credit challenge.

In the Chicagoland area, that Mortgage Originator is Gene Mundt. Experience counts greatly at this time ...



* Hoping to become a Homeowner again after experiencing a Short Sale, Foreclosure, Deed-in-Lieu of, Bankruptcy, or other financial/credit upheaval?
Contact Me today! I'll put my 40+ years of Mortgage experience hard to work on your behalf.
I'm 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



  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 and Appreciated!



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