The New Year is Upon Us. Make '2012' the Year of YOU!

Mortgage and Lending with NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656 IL Lic 031.0006220/WI

The New Year is Upon Us.  Make '2012' the Year of YOU!

The headline reads ...

Gene Mundt Chicago Bancorp blog "Make '2012' the Year of You



Average 30-year mortgage rate a record 3.91 pct.

Average rate on 30-year fixed mortgage falls to record         3.91 pct., 15-year flat at 3.21 pct.

    And yes ... this means if you're one of those that have earned good credit scores, you could receive this record low interest rate for your mortgage. 

    Remarkable, isn't it??  And to just prove how very remarkable it is ... I tell you, I've been in the mortgage business for 35 years and when I started out back in the mid-1970's, the average mortgage rate was in the 6% range.  Again I say, remarkable!

    But this post isn't really meant for those that have good credit scores.  (Although I hope you read it and take action to contact me too!)  No, it's message is meant especially for those that DO NOT have stellar credit or credit scores ...

    Why?  Because perhaps even MORE remarkable than this much-broadcasted historical low rate ... is the prediction by many top financial analysts that these rates (or something close to them) are projected to last well into the New Year of 2012.  And THAT means that even those without good credit scores presently may have time to improve their scores and still take advantage of good rates in the near future.

    I call THAT extremely remarkable too!  Perhaps even more so.

    So here are my questions for you:  Does that sound like YOU???  And if it does describe your present credit scores ... and you hope to buy a home someday ... what are you going to do about it??  Are you going to remain on the sidelines and let this unbelievably good opportunity slip through your fingers?? 

    The New Year is upon us.  Does YOUR New Year resolution for 2012 include improving your credit habits and credit scores?  Does your resolution include the possibility of a new home?  Home OWNERSHIP to fulfill your dreams??  If so, NOW is the time to act. 

    Gene Mundt Chicago Bancorp blog "Make '2012' the Year of YouAs the old saying goes, "A journey of a thousand miles begins with a single step".  Improving your credit is a journey. Take that single step by contacting me now ... or your mortgage lender ... to get started on your personal journey to credit improvement or repair for 2012.  And I say that whether your future holds the wish for a new home, home ownership, or just better opportunities for employment, better insurance rates, improved cell phone costs, or any of a hundred different ways your life can improve with better credit scores. 

    When you can save money ... When you can improve your life ... When you can make life easier for yourself by taking this important step ...  When you can fulfill your dreams ... WHY wouldn't you?  WHY aren't you??

    It's so easy to do.  So very easy to get started.  ONE phone call, or email, or text ... I'm that close and that easy to contact.  Reach out.  Send me your request.  Call.  Text.   Click this button.  Make 2012 the year you ACT.  Reach out to me however is most easy or convenient for you and get started.  Credit improvement does take time to accomplish.  And although they say these fantastic interest rates are going to hang around awhile, that amount of time may be needed to make the improvements required.

    Don't lose out and be sorry later!  You owe it to yourself to inquire, to ask questions, to take action.  Let's get started together on those credit improvements today.  I'll be glad to hear from you ...


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Gene Mundt

 Mortgage Originator  -  NMLS #216987    

                                 IL Lic. #031.0006220  -  WI License #216987                                                                                                    

NMLS #175656


Gene Mundt, Mortgage Originator,  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, #Wilmington, #Peotone, etc.), #DuPage County, the City of Chicago, #Cook County, and elsewhere within IL and Wisconsin. 


Your Referrals & Testimonials are Always Greatly Appreciated! 




Re-Blogged 2 times:

Re-Blogged By Re-Blogged At
  1. Heather Littrell 12/24/2011 01:40 AM
  2. Dorie Dillard CRS GRI ABR 12/24/2011 06:43 AM
Lending / Financial
Illinois Will County Plainfield
1st Time Buyers
Chicago And Illinois - A great Place to Live
Local Expert
Realtors Converting Leads with Credit Repair
Buyer Information - What Buyers Need to Know in Today's Market
low interest rates
credit scores
take action
new year resolution
credit repair and improvement
advantages of good credit

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Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi
NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656 - New Lenox, IL
708.921.6331 - 40+ yrs experience

Yvonne:  Thank you!  I think it helped get the point across ... glad you agreed!


Dec 23, 2011 02:43 PM #17
Chandler Real Estate Liz Harris, MBA
Liz Harris Realty - Chandler, AZ
Gene, Amazing post... I love to see those who are ready, willing and able to work on their credit scores!
Dec 23, 2011 03:10 PM #18
John Novak
Keller Williams Realty The Marketplace - Las Vegas, NV
Henderson, Las Vegas and Summerlin Real Estate

Very motivational post for potential 2012 homebuyers. This educates and offers hope to those looking to improve their credit and purchasing power.

Dec 23, 2011 03:28 PM #19
Kristi DeFazio
RE/MAX Advantage - Colorado Springs, CO
Colorado Springs Rea lEstate 719-459-5468

Excellent point. There still may be time to raise the credit score if these rates stay so low.

Dec 23, 2011 03:56 PM #20
Chuck Carstensen
RE/MAX Results - Elk River, MN
Minnesota Real Estate Expert

Your right if your credit is not good now, sometimes just a few months of great effort can get you to the point of being able to buy. Buyers need to do this now!

Dec 23, 2011 04:31 PM #21
Phil Leng
Retired - Kirkland, WA
Phil Leng - Retired

Low prices...

Low interest rates,..

Abundant inventory..

Sounds like buyer heaven to me...


Dec 23, 2011 10:03 PM #22
Gina Nugent
Donohue RE - Palm Beach, FL
Real Estate Agent - Palm Beach, FL

In my market I hear home buyers still say all the time: naah, I wait...prices will still go down....

it makes me want to strangle them!

Dec 23, 2011 11:23 PM #23
Dennis Swartz
Full Circle Property Management - Columbus, OH
MBA, GRI...experience counts!

Let's hope 2012 is great!

Dec 24, 2011 12:04 AM #24
Michael Setunsky
Woodbridge, VA
Your Commercial Real Estate Link to Northern VA

Gene, a very good point! The time to improve those credit scores is now and not when someone decides to purchase a home. Good goal for home buyers in the coming year.

Dec 24, 2011 12:48 AM #25
Sally K. & David L. Hanson
EXP Realty 414-525-0563 - Brookfield, WI
WI Realtors - Luxury - Divorce

Good resolution....and 2012 will be the year we see YOU live and in person...all the best of the holidays to you and yours.

Hansons Both

Dec 24, 2011 12:54 AM #26
Shay Campbell
Universal American Mortgage Company - Raleigh, NC
Raleigh, NC

Gene, good credit scores not only help you get better mortgage rates, lower credit card rates and maybe even lower insurance rates, it also helps sleeping at night.

Dec 24, 2011 12:56 AM #27
Rosalie Evans
Meritus Group Real Estate - Sioux Falls, SD
The Evans Group, Sioux Falls, SD Homes For Sale

Wow I never thought of that aspect of it! Being that people with poor scores have the opportunity to work on it in time to take advantage! Hopefully this year will be even a little better then last with the low rates being a good selling point! Merry Christmas Gene! Kiss that adorbale grandbaby for me! 

Dec 24, 2011 03:14 AM #28
Dorie Dillard CRS GRI ABR
Coldwell Banker United Realtors® ~ 512.750.6899 - Austin, TX
Serving Buyers & Sellers in NW Austin Real Estate

Hi Gene,

Congrats on the feature..well deserved. What I loved was how you asked for the business! Merry Christmas and a Happy New Year to you and your family!!

Dec 24, 2011 06:40 AM #29
Larry Bettag
Cherry Creek Mortgage Illinois Residential Mortgage License LMB #0005759 Cherry Creek Mortgage NMLS #: 3001 - Saint Charles, IL
Vice-President of National Production

Gene....who knows where it will go?  I feel as if I have a direction, and for that....I'm thrilled!  I think next year will be so prosperous for us.  I'm planning a major, major income, and for many of the reasons you and I have spoken about, as well as some of the points you put in this post...I think that we'll hit it.  Blessings and Merry Christmas!

Dec 24, 2011 03:33 PM #30
Tim Lorenz
TIM LORENZ - Elite Home Sales Team - Mission Viejo, CA
949 874-2247

I am looking for a new year and a great start to the year. 

Dec 24, 2011 04:59 PM #31
Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi
NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656 - New Lenox, IL
708.921.6331 - 40+ yrs experience

Liz:  Right now, there are so many that could benefit from this type of assistance.  And typically, most lending professionals provide this assistance and guidance free of charge ... so why not ask for that help?  Now is the perfect time ...

John:  Thank you ... I"m glad that you found the post provided some inspiration.  It was exactly what I was hoping for ...

Kristi:  From most of everything I am reading, it is very hopeful that the rates will stick around for well into the New Year ... providing many the time they need to be successful in raising their scores.  All good news, I think!!

Chuck:  Totally agree!  Let's hope that many of those reading this agree too ...

Phil:  Well put! 

Gina:  I was hearing much the same for quite awhile, but as of late ... not quite as much.  Maybe that means they are slowly catching on???  We can hope ...

Dennis:  I am in total agreement!  With the New Year ... new hopes and re-gained confidence!

Michael:  You said it!  Preparations are needed, even for those with good credit.  Especially so for those need improvement ...

Hansons Both!   I would like that too ... and the sooner the better!  Hoping your Day was a very good one ...

Shay:  And perhaps THAT good nite's sleep is the best reason of all .... great point!

Rosalie:  I got to kiss and hug both grandkids most of the day on Christmas Eve ... and will see them again tomorrow.  Just can't get enough of them!!  They certainly make this grandpa happy ...  thanks for remembering them ...

Dorie:  Thank you.  I want to help ... it's pretty much that simple.  I'm glad you thought that came across in my message ...

Larry:  I'm excited about all the prospects that lie before me in the upcoming New Year.  I believe all sorts of opportunities exist ...

Tim:  I like you attitude!  With an outlook like that, it will happen for you ... best of luck ...


Dec 25, 2011 02:24 PM #32
Not a real person
San Diego, CA

Time to get back to work!

Dec 26, 2011 11:13 PM #33
Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi
NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656 - New Lenox, IL
708.921.6331 - 40+ yrs experience

lol Russel!  GREAT pic and message!  And yep, just what I'm doing today, as a matter of fact ...

Have a great New Year!


Dec 27, 2011 03:26 AM #34
Maureen Bray Portland OR Home Stager ~ Room Solutions Staging
Room Solutions Staging, Portland OR - Portland, OR
"Staging that Sells Portland Homes"

Hi Gene ~ I'm joining the discussion late, but wanted to congratulate you on the Feature -- well deserved!  Buyers who are on the fence should be rushing to make an appointment with you to make sure they've done everything possible to quality for those fantastic low mortgage rates. 

Hope that you and your family have a very Happy New Year and much success in 2012!

Dec 27, 2011 01:47 PM #35
Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi
NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656 - New Lenox, IL
708.921.6331 - 40+ yrs experience

Good to hear from you, Maureen!  And I agree ... getting pre-qualified, or at minimum running your credit to start credit improvement and/or repair is crucial ... LONG before starting the pursuit or viewing of homes. 

I appreciate your kind sentiments.  I hope that you and yours had a Happy Holiday and celebrate a joyous and prosperous New Year!


Dec 28, 2011 01:01 AM #36
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708.921.6331 - 40+ yrs experience
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