2017 - Will County 4th of July Fireworks

2017 - Will County 4th of July Fireworks

     

The skies across Will County will light up with fireworks, during the upcoming 4th of July weekend ...

 Let's Talk Today!There's a huge assortment of municipalities and groups hosting firework shows and spectaculars (sometimes as part of a community fest) throughout Will County. Below you'll find a handy list I've compiled of those shows. 

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


Will County 4th of July Fireworks

Aurora Fireworks
Date: July 4th - Start: 9:35 pm
Where: RiverEdge Park - 360 N Broadway St., Aurora
Info
(Portions of Aurora are in Will County)  

Beecher Fireworks
Date:  July 4th  -  Start:  9:30 pm
Where:  Firemen's Park - 673 Penfield Street, Beecher
Bolingbrook's 4th of July Fireworks
Date:  July 4th -  Start:  @ Dusk
Where:  Bolingbrook Golf Club
Info

Braidwood Summerfest - Fireworks
Date: July 16th - Start: Dusk
Where: Braidwood City Park - 245 W. 1st Street, Braidwood
Info


Channahon Independence Day Fireworks
Date: July 4th  -  Start: 9:15 pm
Where: Community Park 


Frankfort Fourth of July
Date: July 4th - Start: Dusk/9 pm
Where: Main Park - 400 W. Nebraska Street, Frankfort
Info

Joliet Independence Day Celebrations
Date: July 1st - Start: Dusk
Where: Bicentennial Park - 201 W. Jefferson St., Joliet

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

Lemont Park District Freedom Days Fireworks
Date: July 3 -  When: Dusk
Where: Centennial Park - 16028 127th St, Lemont
Info

(Portions of Lemont are in Will County)

Lockport 4th of July Fireworks
Date: July 3rd  -  Start: 9:10 pm
Where: Dellwood Park -
18th & Lawrence Avenue, Lockport
Info

Mokena 4th of July Fireworks
Date: July 4th  -  Start: Dusk
Where: 10925 W. LaPorte Rd., Mokena
Info

Naperville 4th of July Fireworks
Date: July 3rd  -  Start: 9:30 pm
Where: Knoch Park - 724 S. West Street, Naperville
Info

 Hoping to buy in Will County? Be PreQualified Now!

New Lenox 4th of July 
Date: July 4th 
Start: 7 pm
Where: Village Commons - 

1 Veterans Pkwy, New Lenox
Info



Park Forest Independence Day Fireworks
Date: July 4th - Start: 9:15 pm
Where: Central Park - 410 Lakewood, Park Forest

Plainfield Fireworks
Date: July 3rd - Start: Dusk/9 pm
Where: Plainfield Central HS  

Village of Romeoville Fireworks
Date: July 3rd  -  Start: 9:15 pm
Where: Village Park - 900 W. Romeo Rd., Romeoville

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

Wilmington Independence Day Fireworks
Date: July 1st - Start: Dusk
Where: North Island Park, Wilmington
Info

Enjoy a Wonderful and Safe 4th of July! 
     
    
 Let's Talk Today!
  

* Hoping to Buy or Refinance a home 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:

Gene Mundt
Mortgage Originator  -  NMLS #216987  -  IL Lic. #031.0006220  -  WI Lic. #216987

American Portfolio Mortgage Corp.

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   
      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 Appreciated and Welcomed!      
           

Will County Taxes: Escrows, New Construction, Assessments

Will County Taxes: 
Escrows, New Construction, Assessments 


In Will County, Illinois ... Property taxes are paid to the Will County Treasurer twice a year ...  

 Will County Treasurer WebsiteThe first installment of Real Estate taxes is typically due around the beginning of June and the second installment becomes due around the beginning of September.  When paid, the installments cover the previous year's taxes due. 

Example:  The payment dates for 2016 Will County taxes were June 1, 2017 for the 1st installment ... and the 2nd installment is due on September 1st, 2017.  (Will County taxes, like most IL Counties, are paid one year in arrears).

Escrow Accounts:  Many homeowners have an escrow account that includes their real estate taxes (Insurance, Mortgage Insurance, Flood Insurance, etc. may also be included in an escrow. As Borrowers make each monthly mortgage payment, they see their escrow account build.  

Will County Homeowners/Borrowers with escrow accounts are given notice by the County when taxes are due, but it's the Mortgage Lender that pays the tax bill installments out of the monies saved in their escrow account when the taxes come due.  This typically is a seamless process.


If you're a New Construction Homeowner and Borrower in Will County:  It's important that you pay close attention to the topic of real estate taxes as those taxes "evolve".  

What do I mean?

In most cases:  The first tax bill a new construction homeowner receives from the County is figured on their home site (vacant property) alone and is minimal.  

But once the Assessor acknowledges the sale of that property into a completed home, the property assessment is back-dated to the date of Closing.  This typically results in a larger tax bill in the second year of ownership.  Many new homeowners are caught off-guard and are subsequently short on tax escrow funds because of it. 

It's why I stress to Will County New Construction Buyers/Borrowers: 
  • Gain an understanding of how taxes work in Will County prior to buying your new construction home
  • Make sure you know what your projected (fully-assessed)  taxes will be on the home you're buying/building prior to signing a Contract
  • Work with a Will County Mortgage Lender that is knowledgeable and well-versed in these matters
There are no surprises and you're thoroughly prepared for receipt of that second-year's "evolved" higher tax bill when you follow this advice ...  

Will County Property Assessments:  Will County property owners receive an Assessment Notice from their Township Assessor in August of every year.  

This notice states what the Assessed Value (not the Market Value) of your property is.  This Assessed Value helps determine what your NEXT year's Tax Bill will be.

It's important to know:  Should you think your Will County property taxes too high, it is the ASSESSMENT of your property that you appeal ... not the tax bill.  Any appeal must be conducted within 30 days of the receipt of your Assessment Notice.  

Once you've received your actual tax bill:  It's already too late to protest your Property Assessment for that levied year. However, errors of fact can be corrected after you've received a tax bill.  (Examples: Missing exemptions, incorrect square footage, miscalculation of tax rate, etc.)

In Will County:  The Supervisor of Assessment provides public notice of assessments in local newspapers.  They also post the assessment appeal deadlines in papers. (They can also be found on the Supervisor of Assessment website ...   and you can also visit your county's Assessor website or contact your local Township Assessor for this information. 

Remember this:  Guidance and information is readily available to you on all these topics and more when you contact me.  So reach out, I'll be happy to be of assistance.


 Contact Me!

     * Hoping to Buy or Refinance a home in the Chicagoland area? Contact Me! I'll put my 40 years of Mortgage experience and expertise hard to work on your behalf.
I'm easily found at:


Gene Mundt
Mortgage Originator  -  NMLS #216987  -  IL Lic. #031.0006220  -  WI License 216987

American Portfolio Mortgage Corp.
NMLS #175656

Direct: 815.524.2280
Cell or Text: 708.921.6331
eFax: 815.524.2281

Get Answers .. Contact Me NOW!


  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   
        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 Greatly Appreciated and Welcomed!























Be Pre-Qualified! Sellers Demand to Know You're Serious


Be Pre-Qualified! 
Sellers Demand to Know You're Serious  


Get Pre-Qualified .. Contact Me!Be Pre-Qualified for your Mortgage before you go and view homes!

There, I've said it.  First thing.  Right out of the box.  So it can't be missed.

I place my advice right at the top of this post in bright colors so it's not overlooked.  And because it's such a very important message, especially for buyers hoping to purchase a home in a highly competitive housing market.  

Right now, homes for Sale are receiving lots of attention.  The shortage of homes currently for sale in most housing markets dictates that.  

This means that Buyers must be decisive and ready to act when they find "the home" they want.  They must have already talked to their Mortgage Lender and been Pre-Qualified for their financing PRIOR to the viewing of that home.  

Why?

Ever hear the sayings, "Time is of the essence"?  Or "You snooze, you lose"?  Both are truer now than ever before when referring to home buying.  

Sellers want to know, "Is this potential buyer qualified to buy my home"?  They want "proof" of such in hand and a Pre-Qualification Letter presented with any offer made.  (My personal practice is to Pre-Approve my buyers, providing even more "peace of mind" to my borrowers and the sellers involved.)

The Pre-Qualification process is not a sales tactic being enacted by your Agent or Mortgage Lender.  It's reality.
  
Your real estate professionals are asking that you be Pre-Qualified prior to viewing homes because:

  • It strengthens your offer
  • It will help you better compete in a multiple bid scenario  
  • The majority of Sellers won't even consider your offer if you're not Pre-Qualified for your financing (and able to produce a Pre-Qualification Letter proving it).
Yes, it's that clear cut and it's that simple ...  

In the majority of housing markets across the U.S. today, you need to be Pre-Qualified.  That's definitely been my experience in the housing markets of New Lenox - across Will County - and the Greater Chicagoland area.  

So what should hopeful home buyers do?  
 Contact Me Now!

I refer you back to Paragraph #1.  Be Pre-Qualified!  The sooner the better.

So much of today's mortgage financing ... and the receiving of the best financing option available ... relies on borrower's credit scores and credit history.  They affect the interest rate received, the number and choice of mortgage programs ... in short the options they have available to them.  

But borrowers all too often focus solely on interest rates.  I've found that typically it's the first thing they want to know when we talk.

There is no doubt that interest rates are important.  However, with some lead-in time to their home buying and a bit of preparation, many borrowers could reap better results (including better interest rates) when applying for their mortgage. 

Acting proactively regarding your financing and following the advice of your Mortgage Lender can result in monetary savings.  It can also open up more/better mortgage options at the time of purchase and help your financing process go more swiftly and smoothly. 

Most people wouldn't think of buying a car, TV, or even clothes or shoes without conducting some comparisons or preparation first.  All too often this is not the case when it comes time to buy and finance a home, yet the possibilities for savings are far greater and the savings themselves are larger and carry more impact.  

It's a fact:  In the over-riding majority of cases, you will be required to have been Pre-Qualified by a Mortgage Lender if you wish to view, put a bid on, or buy a home.  

Enter into your home buying as prepared as possible.  As ready for competition as possible.  Give yourself an edge.

Contact me now to be Pre-Qualified to buy a home in the New Lenox - Will County - Chicagoland area ...  


 Get Answers Now!




* Looking to be Pre-Qualified for your Mortgage?  In need of financing and credit answers?  Contact me!  I'll put my 40 years of Mortgage experience and expertise 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
 Get a Quote - Be Pre-Approved!

 

  Twitter - Gene Mundt, Mortgage Originator   LinkedIn Account of Gene Mundt, Mortgage Lender   Facebook Acct. of Gene Mundt, Mortgage Lender   Pinterest 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 Always Appreciated and Welcomed!



































Could a New Construction Home Be a Home Buying Option For You? (Lincoln-Way - Chicagoland Area)



Could a New Construction Home Be a
Home Buying Option For You?
(Lincoln-Way - Chicagoland Area)

These days, it's not uncommon to hear my Borrowers express frustration regarding the market's current housing inventory and the challenges it presents ... 

Many of my clients have found themselves facing multiple-offer situations on homes they've viewed and wished to buy.  They've eventually lost out to another Buyer's bid on those homes.  That's a tough situation to be in.

Because of this, I'm seeing new construction homes enter into my Borrower's consideration increasingly often ...  

Every housing market has its own prime buying/selling season.  Here in Chicagoland and the Midwest, weather can influence sales activity ... and weather dictates that spring through fall is the most active season for new construction.  

Right now, favorable weather has many contractors breaking ground on new homes within the "Lincoln-Way Area", (Manhattan, New Lenox, Mokena, Frankfort) and elsewhere across Will County.  New homes are popping up everywhere again.

This renewed construction activity has added to the current inventory of homes and broadened the housing search for many of my newest home buying clients.  That's good news. 

Besides increasing availability, other positive factors of this new construction are:

  • These homes can often be "semi-customized"
  • Spec Homes are once again included in the housing market and being offered via Builders
  • These homes offer the latest home features, floor layouts, energy efficiency, safety features, and technology
  • New homes demand fewer repairs and maintenance 
  • Warranties accompany new construction (typically one-year)
  • These homes are often located in subdivisions offering community amenities (pools, walking/biking trails, clubhouses, parks, schools, etc.)
While it's easy to get carried away when considering a new construction purchase, that excitement can be overwhelming and prove a bit dangerous for new construction Buyers.

Why?  The process of buying a new construction home is different from buying an older existing home.  

In order to secure the best home and deal for themselves, Buyers need to be aware ... and educate themselves to ... the new construction process. They need to do their homework before signing any Contract to buy.

First and foremost:  Buyers need an advocate working on their behalf when purchasing a new construction home. Choosing a Buyer's Agent.   

 Remember to Contact Me with Your Questions!Buyers should remember these 5 important facts when seeking and choosing a Buyer's Agent: 
  1. The Buyer's Agent chosen should be experienced and knowledgeable in the new construction process 
  2. The Buyer's Agent should know the local housing market in which the purchase will be made  
  3. Buyer's Agent should accompany their Buyers during any new construction home viewings and negotiations
  4. In today's construction environment:  Most building sites in the Will County - Chicagoland area, are created and owned by Developers/Builders.  They market and sell their products from Model Homes. The Sales Representative found within the builder's model works for the Builder. They assist Buyers with building choices, etc., but at the end of the day, their loyalty (and paycheck) is paid for by the Builder.
  5. A Buyer does NOT pay the commission of the Buyer's Agent.  Sellers/Builders pay commission fees.
There is great benefit to be found in working with a Buyer's Agent at this time.  They can assist their Buyers through every step of the new construction purchase.  

An experienced Buyer's Agent can guide and assist regarding:
  • Choice of Builder
  • Housing Market (Lot, location, neighborhood, etc.)
  • Down Payment - Earnest Money needed
  • Contract and negotiations with the Builder (Purchase Price, Building Options, Upgrades, Modifications to the home)
  • Educate Buyers regarding future Tax Bills
  • Financing options available/Lender comparisons
  • Securing a favorable Closing Date
  • Any disputes that may arise with the Builder
  • More
In most building scenarios in the Lincoln-Way/Will County area:  Buyers are required to provide their Builder a down payment to start their home's construction, but the Builders typically fund their own construction process (usually with their own banking relationships or cash).

The Homeowner/Buyer must secure (and provide proof of) traditional Mortgage financing, according to the agreed-upon Sales Price.  (That is where I come in and assist in the process.)  

When the home is completed, the Final Occupancy Permit is executed.  The Builder sells the home outright to the Buyer and the Closing is performed. 

New construction can be a good viable choice for Buyers looking to buy in a low inventory housing market.  It can also be a very exciting home buying option.  

But don't let excitement and emotions blind you ...

Take the time to ask questions.  Seek experienced knowledgeable professionals (agent and Lender) to assist you.  Educate yourself thoroughly.  

It is well worth it.  You'll have a great home in a great location that will bring you joy and serve you well for years to come ...

 Ask Your Questions Here!


Hoping to Buy an existing or new construction home in New Lenox or elsewhere in the Chicagoland area? Refinance?  Contact me!  I'll put my 40+ years of Mortgage experience and expertise hard to work on your behalf.
I'm easily found at:

Gene Mundt
Mortgage Originator - nmls #216987 - IL Lic. 031.0006220 - WI License #216987

American Portfolio Mortgage Corp.
nmls #175656

Direct: 815.524.2280
Cell or Text: 708.921.6331
eFax: 815.524.2281
 Get a Quote!
 

  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   
       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!




  


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