Gene's Chicagoland Mortgage Blog: September 2022

Will County Pumpkin Patches & Farms - 2022

Will County Pumpkin Patches & Farms - 2022

Fall 2022 has arrived! How do I know?

Pumpkin farms and patches are opening all across Will County and are ready to host a wide variety of fall activities, fun, and pumpkins for their visitors.

Whether you're hoping to visit a pumpkin farm, or pumpkin patch, take in a fall festival, a corn maze, a haunted house, a petting zoo, or see an army of scarecrows, spooky ghosts, witches, or goblins ... Will County has the perfect venue and activities for you.

Our area is lucky to have a large variety of fantastic working farms, venues, and pumpkin patches offering spectacular opportunities to enjoy all those things.

Below I've listed the names of Will County's pumpkin farms and pumpkin patches open this Fall 2022. I hope the information proves to be beneficial for you, your family, and friends ... and that you have a chance to get out and enjoy nature and Fall all across our County.

2022 Will County
Pumpkin Farms & Patches

Puckerville Farms

Opens Now through October 31st

13332 Bell Road, Lemont, IL

No Admission Fee - Accepts All Major Credit Cards

Pumpkins, haybales, cornstalks, more

More Info: puckervillefarms.webs.com

Johansen Farms Petting Zoo
Open Now through October 31st

Admission Charged

710 Boughton Rd., Bolingbrook, IL

More Info: www.johansenfarms.com

Konow's Corn Maze

Open Now to October October 30th

Admission Charged

16849 So. Cedar Rd., Homer Glen, IL
More Info: www.konowscornmaze.com

Siegel's Cottonwood/Pumpkin Farm
Opening Day September 24th thru October 31st
Admission Charged
17250 So. Weber Rd., Crest Hill, IL
More Info: ourpumpkinfarm.com

Bengston's Pumpkin Farm
Open Now thru October 30th
Cashless venue!
Hours/Calendar/Cost
13341 W. 151st St., Homer Glen, IL
www.pumpkinfarm.com

Heap's Giant Pumpkin Farm

Open Now thru October 31st

Map: 8 Miles West of I-55 on US Rte. 52, Minooka, IL

Admission Charged for activities, maze, etc.

(Admission is NOT Required for the following: Pre-picked Pumpkins, Gourds & Squash
Mums & Plants, Indian Corn, Corn Stalks, Straw, General Store, Concession Stand)

More Info: (815) 475-7373 or heapsgiantpumpkinfarm.com

Dollinger's Pumpkin Farm

Open Now thru Oct. 30th

Tickets Needed for Corn Maze, Face Painting, Train, etc.

7420 E. Hansel Rd., Channahon, IL

More Info: 815.467.6766 or

dollingerfarms.com/pumpkin-farm

Windmill Acres
Opening September 24th thru

Admission Charged for Wristband Activities

3361 E. Brunswick Rd., Beecher, IL

Info: 708.278.2870 or www.windmillacres.com

Settlers Pond Pumpkin Patch
Opens October 1st thru Halloween

Admission Charged: $10/Kids Wristband, $10/Adults

1301 E. Offner Road, Beecher, IL

More Info: (708) 663-8103 or settlerspondshelter.com

Bronkberry Farms

Open Now for the Season

Fall Fest: OCTOBER 8th & 9th (Admission Free)

18061 S Bronk Rd., Plainfield, IL

More Info: 815.436.6967 or Bronkberry Farms

Crosswind Farms

Open: Thursdays - Fridays - Saturdays - Sundays

Accepted Payment: Cash - Credit - Debit

Pumpkins are pre-picked & priced for your convenience

Other Products Sold: Here

14435 W. Manhattan-Monee Rd., Manhattan, IL

More Info: crosswindfarms.net

Tom & Zach's Pumpkin Patch

1575 W. Bruce Rd., Lockport, IL

Open Now thru Halloween

No Admission Fee

Pumpkins are $1 to $7. Orange & white pumpkins available. Small straw bales $5, large $8, Corn stalks $4

Cash only for purchases

Info: 815.838.6816 - tomandzachspumpkinpatch.tripod.com

Remember: Verify dates, hours, and info prior to visiting these Will County Pumpkin Farms and Patches, just in case of last-minute changes or inclement weather.

Enjoy!

Are you hoping to Construct, Buy, Refinance or Purchase a home or investment property in Chicagoland or somewhere else in Illinois or Wisconsin?

Looking for mortgage financing answers, options, solutions, and experienced assistance?
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/Text: 708.921.6331

eFax: 815.524.2281

www.genemundt.com

gmundt@goapmc.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, Frankfort Square, Joliet, Shorewood, Elwood, Lockport, Wilmington, Crest Hill, Symerton, Braidwood, Channahon, University Park, Beecher, Plainfield, Bolingbrook, Romeoville, Tinley Park, Homer Glen, Crete, Peotone, Naperville, etc.), DuPage County, Kane County, Grundy County, the City of Chicago, Cook County, and elsewhere within IL & WI.

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Gene Mundt, Mortgage Originator - NMLS #216987, IL Lic. #0006220, WI Licensed. American Portfolio Mortgage Corp. - NMLS #175656 - IL Lic. #031.0006220

I am a 40+ year veteran of the mortgage/banking industry with extensive expertise and education in mortgages, appraising, management, and financial planning. My assistance is ongoing, as I provide info, advice, and service leading up to, during, and following my clients' mortgage financing process. I aim to develop trust-based relationships that encourages asking questions freely.

Financing for Condominiums VS Single-Family Residences

Financing for Condominiums

VS Single-Family Residences

Everyone can agree ...

Condominiums are "different" from single-family residences (detached, or an attached duplex) in many ways.

But they share commonalities as well, such as:

Both Condominiums and single-family residences can be owned, not just rented or leased
Financing options are similar for both types of property:

VA Loan: 0% Down (Has an "Approved List" of Condo Associations)
FHA Loan: 3.5% Down (Like VA, has its own "Approved List", but also allows for "Single-Unit Approvals)
Conventional: 3% Down or more (Are available on a case-by-case basis)

VA and FHA Condominium interest rates are essentially the same as those for a single-family home
Conventional Loans' interest rates could be slightly higher ... when putting down less than 25% of the purchase price
Credit Score requirements to buy or finance a Condominium remain the same as those for a single-family residential borrower

But there are some real differences between the two when buying and financing. Differences that can matter ... and Borrowers are often caught off-guard when they learn of them.

Some of those differences are:

Lenders typically require more documentation for Condominium financing
The financial status of the Condominium Homeowner Association (HOA) must be verified via a Condominium Association Questionnaire. The Condominium Association budget and HOA dues/fees must also be verified
Lenders typically require a copy of the Condominium Declaration and By-Laws (the Association's internal rules)
Borrowers, whether resident or investor, must pay a fee normally charged by the Association or management company to provide this required information (prior to closing).
The one time upfront fee, set by the Association or management company, is typically in the $100 to $250 range
If the borrower will not be living in the Condomnium (buying as an investment to rent) the Association's Declarations and By-Laws must allow for Rental Occupancy
Interest rates are higher for Condominium investors, as are down payment requirements (20% down possible, but ideally 25% down payment for Condominiums)

The bottomline is this: If buying a Condominium (or refinancing) and seeking a Loan Approval for it, the financial "health" of the Condominium Association and the information and answers provided by them or their designated management company will determine much.

Ask questions! And make sure to choose and work with a lender (and agent) that is informed and experienced conducting Condominium financing and well-versed in the differences between property types and how to get them closed efficiently and successfully.