2018 - Will County Communities 4th of July Fireworks

2018 - Will County Communities
 4th of July Fireworks

The skies across Will County will light up with fireworks, during the upcoming 2018 -  4th of July holiday ...

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 ...

2018 - Communities of Will County 
4th of July Fireworks

Aurora Fireworks

Date: July 4th - Start: 9:35 pm
Where: RiverEdge Park - 360 N Broadway St., Aurora
(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/9:45 pm

Where:  Bolingbrook Golf Club - 2001 Rodeo Drive, Bolingbrook

Braidwood Summerfest - Fireworks

Date: July 22nd - Start: Dusk/9:30 pm
Where: Braidwood City Park - 245 W. 1st Street, Braidwood

Channahon Independence Day Fireworks
Date: July 4th  -  Start: 9:15 pm
Where: Community Park - 23200 W. McClintock Rd., Channahon

Frankfort Fourth of July 
Date: July 4th - Start: Dusk/9 pm
Where: Main Park - 200 S. Locust Street, Frankfort

Joliet Independence Day Celebrations
Date: July 3rd - Start: Dusk
Where: Bicentennial Park - 201 W. Jefferson St., Joliet

Date: July 4th
Start: Dusk/9:20 pm
Where: Joliet Memorial Stadium - 3000 W. Jefferson St., Joliet

*  Lakewood Falls Fireworks

Date:  June 30th  -  Start:  Dusk

Where:  Bruce Ponti Park - 13909 S. Budler Rd., Plainfield

Lemont Park District Freedom Days Fireworks
Date: July 3 -  When: Dusk/9:30 pm
Where: Centennial Park - 16028 127th St, Lemont

(Portions of Lemont are in Will County)

Lockport 4th of July Fireworks 
Date: July 3rd  - Runs: 8 to 10 pm
Where: Dellwood Park - 18th & Lawrence Avenue, Lockport

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

Naperville 4th of July Fireworks (Part of Ribfest Celebration)
Date: July 4th  -  Start: 9:30 pm
Where: Knoch Park - 724 S. West Street, Naperville

New Lenox 4th of July (Celebration)

Date:  July 4th

Start:  7 pm  (Fireworks at Dusk)

Where:  Village Commons - 1 Veterans Pkwy, New Lenox

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
Where: Plainfield Central HS  -  24120 W. Fort Beggs Drive, Plainfield

Village of Romeoville Fireworks
Date: July 3rd  -  Start: 9:30 pm
Where: Village Park - 900 W. Romeo Rd., Romeoville

Tinley Park Fireworks
Date: July 4th  -  Start: 9:15 pm
Where: McCarthy Park - 16801 W. 80th Avenue, Tinley Park

Wilmington Independence Day Fireworks
Date: July 4th - Start: Dusk
Where: North Island Park, Wilmington

Enjoy a Wonderful and Safe 4th of July! 

     

    

* 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.

NMLS #175656

Direct: 815.524.2280

Cell/Text: 708.921.6331

eFax: 815.524.2281 

gmundt@goapmc.com

www.genemundt.com

             

       

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!      

Why and How to Avoid Lender Remorse

Why and How to Avoid Lender Remorse

No matter the size of the business, businesses today typically choose to incorporate some type of social media into their marketing efforts ...  

That's certainly true for me.  As a Mortgage Originator, I participate in many of the major social media outlets.  

Recently, I checked-in on one of the online groups I take part in.  To participate as a business in this particular group, a business must be located and conducting business within its specific business boundaries.  

"Bonafides" must be proven too.  A business must provide group administrators with proof of their business for verification ... meaning business info, licenses, etc.   

A large array of businesses are represented within the group.  As this group is related to "home" services, you'll find everything from plumbers to landscapers ... appliance repair to home organizers ... and much more.

A string of consumer requests for business recommendations steadily appears in the feed.  The referrals and feedback provided to the group are timely and based on past personal experiences with contractors/businesses. That makes the information exchanged there very valuable to consumer and business alike.  

But while the work (and professionals) sought in the majority of online requests and feedback represent a future expenditure of money, few of the jobs/work discussed are equal in expenditure to those costs associated with the act of buying, selling, or financing a home.  Regardless of that fact, few requests for recommendations and referrals for a Mortgage Originator or mortgage advice are ever found. 

That's not good for many reasons ... and here are some facts and figures that prove why:

• 18% of Americans spend an hour or less searching for a home loan.  (per Inman article)
• Few consumers obtain information from outside sources, such as websites, financial and housing counselors, or personal acquaintances (such as friends, relatives, or coworkers) (Consumers Financial Protection Bureau)
• One in four first-time homebuyers report being completely unfamiliar with the mortgage process from the start
• The Consumer Financial Protection Bureau (CFPB) surveyed 5,000 recent home purchasers in a national study.  It found 47% of buyers didn’t “seriously consider” more than one lender
• According to a J.D. Power 2016 U.S. Primary Mortgage Origination Satisfaction Study, almost 1 in 5 homebuyers (21%) regretted their choice of lender
• A comparison of buyers' expenditure time/research:

Plus:  Consider these cost comparisons regarding interest rates provided by LiveFrugalLee:

And:

• Nearly half — or 46% — of Americans say they are unfamiliar with alternative down payment options, according to a recent survey conducted by national online lender Laurel Road

All of these stats and info prove ...  

Not conducting a thorough search for an Originator ... not taking the time to ask questions and seek answers ... not asking for referrals and recommendations?  It costs you money.  Big money.  It also has great potential to cost you in stress and frustration.  

So, how can you avoid becoming just another of the stats above?  

Invest in yourself, your financial success, your future ...  

Take every opportunity and use every resource at your disposal to conduct research.  Start that research early ... well in advance of the time you hope to actually use it.  Even a year ahead of when you hope to finance and buy is not too much time.

An online group such as the one I describe above is just one of the many resources available that offer such opportunity, insights, and assistance.  Friends, relatives, co-workers, real estate professionals (of all ilk) are also reliable resources.

The bottom line if you hope to avoid Lender Remorse is this ...  

Don't fear asking for testimonials and reviews from those you know and trust.  Take the time needed to do a thorough check of those Originators you are considering.  Use online resources such as YELP, Facebook, etc. to find feedback for local lenders/Originators serving your area.

You'll be far better prepared when you finance your home purchase (or refinance) ... and far happier with the end results. 

Should you wish to start a search for mortgage information or assistance in the New Lenox - Will County - Chicagoland area - IL & WI, please consider viewing my testimonials and recommendations ... and website ... 

* Hoping to Buy or Refinance a Home in New Lenox or elsewhere in the Chicagoland area, IL or WI?

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 #216987

American Portfolio Mortgage Corp.

nmls #175656

Direct: 815.524.2280

Cell or Text: 708.921.6331

eFax: 815.524.2281

www.genemundt.com

gmundt@goapmc.com

  

             

      

    

Gene Mundt, Mortgage Originator, a Mortgage Originator with 40+ years of #mortgage experience, that 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, #Wilmington, #Peotone, etc.), #DuPage County, the City of #Chicago, #Cook County, and elsewhere within IL and Wisconsin.

Your Referrals & Testimonials are Always Greatly Appreciated! 

Options and Opportunity for Singles Hoping to Buy a Home

Options and Opportunity for 

Singles Hoping to Buy a Home

Here's a statistic I find fascinating ...

According to a recent survey released by the National Association of Realtors (NAR):  

Single-female homebuyers outpace single-male homebuyers by a margin of over        2-to-1.  The percentages reported were 18% single-female to 7% single-male. 

These stats certainly back-up what I personally experience as a Loan Officer in New Lenox - Chicagoland.  The number of contacts and requests I receive for information and Pre-Approvals from single females far outweighs the number received from single males.

While not a statistic reported in this survey, here's something I also encounter when working with single home buyers ...  

Whether female or male, single buyers often have a support person at their side assisting them through their home buying and financing process.  This is especially true when the buyer is young or purchasing a home for the first time.  

The support provided them often comes via a friend or family member serving in the capacity of confidante ... someone accompanying the home buyer during mortgage discussions or home viewings.  In these instances, the support person serves as a sounding board for ideas and opinions only.

Some fulfilling this capacity provide a more substantial form of support.  The support and assistance they offer are derived from their own past experiences in the buying of a home or the financing of it.  

Still, others provide monetary support.  That monetary support is delivered in a variety of ways.  

Monetary support can come in the form of:

• Gift Monies:

 a.  Gift Monies typically come from parents or other family members, but others may "gift" as well.  

  b.  There must be no expectation of repayment tied to the receipt of Gift Monies.  

       c.  A "Gift Letter" stating that fact must accompany the transferring of any Gifted Monies.

• Serving as a Co-Buyer/Co-Borrower:

       a.  Co-Buyer(s)/Co-Borrower(s) can be on a Mortgage/Sign a Real Estate Contract in order to help a Buyer(s)/Borrower(s) that will occupy the home purchased.

       b.  Co-Buyer(s)/Co-Borrower(s) can provide the Income and Funds to Close on a Mortgage. In these scenarios, as long as the Borrower(s) credit qualifies, the Borrower(s) can be indicated on the Mortgage as the Primary Borrower(s) and occupy the property while depending on the Co-Borrower's Assets and Incomes for Loan Qualification.

       c.  This type of loan is often seen used by parents with children/students attending an out-of-state college.  The parents provide the Down Payment Funds and the Income (or majority of it) required to qualify for a specific loan amount.  These purchases are typically completed with a 20% Down Payment or more.

• Serving as a Co-Signor/Co-Mortgagor: 

          Co-Signor(s)/Co-Mortgagor(s) are not uncommon in purchases utilizing FHA loans. 

       
        In these instances:  The Primary Borrower(s) typically doesn't qualify for a Mortgage on their own, but a family member, parent, or boyfriend/girlfriend can provide credit history, employment history, income, Down Payment Funds, that are treated equally to the Primary Borrower(s).

       In other words, the combined incomes, combined debt, combined funds for Down Payment/Closing Costs can be considered collectively ... even though the Co-Signor(s)/Co-Mortgagor(s) is not intending to live in the home being purchased. 

An extremely important message lies within the info provided above ...  

What is that?

There are many mortgage scenarios available for consideration, should you hope to buy or finance a home ...  

Those mentioned here barely scratch the surface of the myriad of options and lending scenarios currently available to single home buyers, as well as others financing.  Depending on YOUR personal finances, there could well be other lending options that could prove beneficial and assist you in buying a home.  

But the fact remains, whether a single female or single male dreaming of buying a home ... if you don't inquire or don't investigate your options, you'll never know if and what possibilities exist.  So my question for you is ...  

Why continue to wonder??

Reach out.  Ask your questions now.  Discover the facts surrounding your ability to buy, whether now or at some point in the future ...

* 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'm easily found at:

Gene Mundt

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

American Portfolio Mortgage Corp.

nmls #175656

Direct: 815.524.2280

Cell or Text: 708.921.6331

eFax: 815.524.2281

www.genemundt.com

gmundt@goapmc.com

  

             

      

    

Gene Mundt, Mortgage Originator, a Mortgage Originator with 40+ years of #mortgage experience, that 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, #Wilmington, #Peotone, etc.), #DuPage County, the City of #Chicago, #Cook County, and elsewhere within IL and Wisconsin.

Your Referrals & Testimonials are Always Greatly Appreciated!