finances: Do You Have Plans for the Weekend? Those Plans Should Include Checking Your Credit
- 06/10/19 09:59 AM
Do You Have Plans for the Weekend? Those Plans Should Include Checking Your Credit
Another weekend is just around the corner ... do you have plans?
Silly question, I know. But even if you already have a boatload of activities on your calendar, carve out enough time to add one more important activity.
Check your credit and credit scores!
It only takes a couple of minutes to request your free Credit Report on annualcreditreport.com. You fill out a simple form and "viola"! It's really pretty easy peasy.
While this one simple act is accomplished quickly and easily, it's well worth doing as it reaps you long-term benefits. So … (28 comments)
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finances: What Makes You Special When You Buy a Home? Your Financial DNA
- 05/17/18 12:15 PM
What Makes You Special When You Buy a Home?
Your Financial DNA
Parents often tell their children they're "special". They're unique. Like no other person on earth. I know I told both of my boys that ... still do.
It's a pretty heavy message for a child to hear, isn't it? One based on love certainly, but also molecular and psychological facts too.
Physically, our fingerprints ... our DNA ... is certainly ours and ours alone. And if you ask parents and grandparents, they'll tell you each child is delivered with their own distinct personality pre-programmed too.
With that in mind, I recently wrote an article regarding the personal "recipe" … (10 comments)
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finances: Credit Don'ts While in the Mortgage Process
- 11/07/14 04:28 AM
Entering or Currently Navigating
the Mortgage Process?
Don't Even THINK About it!
Follow the warnings found on my Flyer below
If hoping to Buy, Build, or Refinance a Home in the greater Chicagoland area, please contact me! I'll put my 37 years of mortgage experience and expertise hard to work on your (or your client's) behalf.
Thank you!
Gene Mundt
Mortgage Lender - NMLS #216987 - IL Lic. #0006220
American Portfolio Mortgage Corp.
NMLS #175656
Direct: 815.524.2280
Cell/Text: 708.921.6331
eFax: 815.524.2281
gmundt@goapmc.comwww.genemundt.com
Click HERE for a FREE Mortgage Quote!
Your Referrals … (21 comments)
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finances: What's YOUR Great American Novel read like? The clues revealed within your Credit Report
- 06/27/13 06:35 AM
What's YOUR Great American Novel read like? The clues revealed within your Credit Report
We've all heard books referred to as a "great American novel". Books often mentioned in that vein are "The Great Gatsby", "Adventures of Huckleberry Finn", or "To Kill a Mockingbird" ... each most likely introduced to you in a high school English class. The authors of these great books offer us riveting stories regarding the mindset and lives of their characters.
Much like the great novels referenced above, a Credit Report delivers much the same thing. It reads much like a book ... a … (40 comments)
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finances: Credit and Credit Management: Reasons to Pay Attention
- 01/14/13 03:59 AM
Credit and Credit Management: Reasons to Pay Attention
It's not hard to find advice on a full-range of credit issues today. Experts (or so called experts) are everywhere. So I find that most of my clients come to me with the understanding that credit scores are very important ... and growing more so each day.
But experience with Borrowers pertaining to credit management has made it abundantly clear to me, that way too many do not spend enough time or pay the proper attention to their finances. That simple steps needed for credit maintenance are … (26 comments)
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finances: Knowing the Financial Philosophy and Standing of a Potential Partner is Growing in Importance
- 12/27/12 03:13 AM
Knowing the Financial Philosophy and Standing of a Potential Partner is Growing in Importance
I read an unbelievably interesting article on Yahoo! Finance today. The focus of the article was credit scores, so it's no stretch to see why the topic caught my eye. But this article had a little bit of an eye-catching twist to it, especially if you are presently single, dating, or hoping to.
The article reported how credit scores are increasingly becoming a topic of conversation for those dating these days. And that those conversations regarding credit … (23 comments)
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finances: How to Best Prepare Your Credit and Financial Position BEFORE Beginning a Home Search, Part 2 ...
- 03/01/12 07:29 AM
How to Best Prepare Your Credit and Financial Position BEFORE Beginning a Home Search Part 2 Yesterday, I wrote Part 1 to this post. In that portion of this blog, I covered WHY it's important to Plan and Prepare for your home buying/mortgage financing well in advance to actually seeking your mortgage pre-approval or home search. I also explained and listed what credit/debt, financial documents, and information you will need to gather and then supply to me/your lender when you reach that stage of seeking your mortgage pre-approval. In this, Part 2 … (18 comments)
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finances: How to Best Prepare Your Credit and Financial Position BEFORE Beginning a Home Search, Part 1 ...
- 02/28/12 11:33 PM
How to Best Prepare Your
Credit and Financial Position BEFORE Beginning a Home Search Part 1 I won't lie to you. The bygone era of planning and then starting your home buying search by just looking in a newspaper are long gone. That's true in my Chicago/Chicagoland area ... or anywhere else across the U.S. Today, the planning and preparation for buying your home is far more detailed in nature than in the past. Home buyers are called upon to be much more involved in their processing and much more organized with documentation … (25 comments)
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finances: Divorce 101 for your Finances, Credit, and Outstanding Mortgage ...
- 08/28/11 02:53 AM
Divorce can be devastating. With U.S. divorce rates hovering right around 49%, it's obvious that divorce and its far-reaching consequences touch many lives.
Add the present housing crisis into the upheaval experienced during divorce and you find many Americans presently experiencing a great need for accurate financial and legal guidance. While going through a divorce is probably the worst time to expect anyone to make sound financial decisions. Yet, that is exactly when the demand for these decisions are being made.
Certain precautions and actions should be taken during and immediately after divorce proceedings to protect yourself ... … (31 comments)
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finances: Feeling Financial and Credit Stress? Return to Good Health Following These Suggestions ...
- 08/07/11 10:55 AM
Statistics told us, that prior to Christmas of last year, Americans were doing a pretty good job of decreasing their debt, especially on credit cards, plus they were in a savings mode too. But according to statistics recently released by the Federal Reserve, revolving debt (mostly credit cards) is up 5.1%. It is the biggest increase seen in this type of debt in over 3 years. That isn't completely bad news, as it signals a loosening of credit to some extent, a return to spending to some degree, and a return to marketing by retailers/businesses. More are actively … (39 comments)
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finances: Educate Yourself and Know Your "WaysHome". Fannie Mae's New WaysHome Video
- 01/11/11 04:46 AM
As a Lender at Chicago Bancorp, I can tell you ... nothing is better than working with a homebuyer that has obviously done their homework and prepared and educated themself. The connection and relationship works well on both sides right from the get-go and leads to a smooth and successful closing. It's what every lender wishes and strives for.
That's why I'm so excited about the release of Fannie Mae's new WaysHome video that can be found on their website, http://www.knowyouroptions.com.
This new video educates, assists, and motivates those hoping to purchase a home, (and those that are already homeowners), and helps them have fun while doing … (7 comments)
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finances: "Let the Sellers BEWARE" ... and Be AWARE. Playing Defense & Offense While Selling a Home
- 10/11/10 03:02 PM
"Let the Sellers Beware" ... and Be AWARE!
Playing Defense & Offense While Selling a Home ...
Huh? Beware? Thought that was the Buyer!
Not these days! Agents, buyers, and sellers must know how to play DEFENSE and OFFENSE throughout a property transaction. This "one-of-a-kind market" delivers much more for each of them to consider than ever before.
Prior to the present challenging market, sellers asked their agents, "What will I net in proceeds at the closing of my sale"? Now, more often the question is, "If I sell my home for less than I presently owe on my mortgage, what … (39 comments)
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finances: Delivering The Facts About Reverse Mortgages. Determination of an Outcome is a Personal Thing.
- 07/26/10 09:23 AM
Facts will tell you ... what is medicinal and of assistance physically to one person, is pure poison to another.
That is certainly the truth when talking of mortgage loan programs. One has to look no further than the notorious ARM programs of this last decade to verify that statement. They were a godsend to some consumers ... and lethal to others.
Currently, you need not look any further than the Reverse Mortgage Loan to view a Devil and Angel comparison either. Some financial analysts view them as a sure sign of senior abuse, while other analysts will tell … (4 comments)
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finances: Credit Scores Down! Will Prospective Buyers Be Denied?
- 04/22/10 11:49 AM
I have been in contact and working with a prospective client for well over a year while he and his wife were tackling some credit issues. This couple took it upon themselves to gear-up their home search once again and have actually found a property they are interested in purchasing. After being in the works for so long a time, I obviously had to run an updated credit report to start the purchase process again.
To my surprise ... because I had been assured that the correct measures were being taken to improve scores ... the new credit scores came in lower. A monthly mortgage payment … (18 comments)
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finances: The Fallout of the Home Mortgage Crisis ... Divorce in America Is On the Rise
- 03/30/10 04:16 AM
The home mortgage crisis in the United States has spawned problems in the mortgage, real estate and banking industries, and many consumers are now facing mortgage payment increases in the coming months that could cause the number of home foreclosures to climb even higher. And all of those financial woes may be spawning another problem as well -- an increase in divorces, experts say.
"A recent poll commissioned by divorce360.com ranked financial issues as the number two reason that Americans divorce, with abuse one of the main reasons for divorce in this country today."
(The above is from an article by: Don Moore ... "Real Estate: Home Mortgage Crisis May Boost Divorces in … (14 comments)
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finances: Taking Measures to Protect Your Online Security and Credit Health In Three Little Steps!
- 03/08/10 08:58 AM
A March 1st headline in American Banking News read:
"Big whoops! Citibank apologizes to 600,000 customers after accidentally printing their social security numbers on the outside of envelopes!"
Don't know about you ... but I agree ... that's one big whoops! This headline and its corresponding article got me wondering ...
"Are there steps I could be taking to improve my own e-security"? I started to do some digging ...
What I found was some staggering information regarding what we Americans do online and just how flippantly callous we are to protecting ourselves and our … (5 comments)
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finances: Being Prepared and Protected ...
- 06/05/09 10:32 AM
I was talking with my insurance agent and advisor just the other day and he related a sad story to me. Although he has been my personal agent (handling my auto, home and more) for almost three decades, and in the business for more years than that, I could not remember seeing him so shaken.
It seems that clients of his had recently suffered a devastating loss. A young wife and mother had lost her husband suddenly. What made this particular situation harder was that this loss occurred immediately following the birth of the couple's first child, leaving her a very young widow with a newborn infant. Thankfully, life insurance … (2 comments)
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