Gene Mundt, Mortgage Lender's "Mortgage, Real Estate, & Credit News!" - November 5, 2014

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



Did you have snow at your house this last weekend?  Don't know about you, but I'm not ready for it, at least mentally.  But yet, clocks were turned back, we ushered in the month of November, and dragged our winter coats out of the closet over the last week.  So ready or not, here comes winter and the upcoming Holidays!
Below you will find some activities, suggestions, tips, projects, and a recipe to help you prepare and manage the cold weather months to come.  
All The Important Things You Need To Know About Fire Safety In Your Home ...
It's that time of the year when the temperatures start to drop and you find yourself turning on your stove and cranking up the heat.
With all the fireplaces, heaters and stoves on full blast, it's especially important to be up-to-date on how to safely keep your home protected when it comes to fires.  (MORE ...)
Planning some winter remodeling projects?  Read on ...
The 7 Most Common Code Violations Remodelers Make ...
A good DIYer knows a lot about tools and techniques, but the best DIYers know about building codes, too. Completing home improvement projects that are code-compliant — and can pass inspections from your local building authority — are the route to a safe and happy home, and well-done
Although few homeowners can claim an encyclopedic knowledge of their local building codes, here’s a heads up on seven of the most common code violations that DIYers are guilty of:
Here's an article that helps you find  organizations and charities that can put your older, no-longer-needed items to good use.  Many will even arrange to pick-up your donations ...
You Decluttered Your Chicagoland Home.  What Now? ...
I'm just guessing, but I'm betting there are thousands of videos and real estate articles about the importance and wisdom of "decluttering" your home prior to putting it up for sale ... 
Magazines, blogs, and social media are all filled with tips, suggestions, and ideas to help you accomplish this task. There are even handy checklists available to help you kick-start your decluttering.  (Click HERE for one of those checklists.)
But after you've cleaned, winnowed-out, sorted, recycled, thrown-away, and decluttered your home's drawers, closets, garages, basement, and attic ... what in the world do you do with all that stuff?  How do you get rid of it all?  (MORE ...)
And if you found old electronics, cell phones, gift cards  ... or don't know what to do with all your old CD's ... below is some info that will help you get organized!
Recycling Center for Gift Cards, CDs, and Electronics at Best Buy ...
I've been remiss for not writing about Best Buy’s recycling options.  For years, there were limited places that would accept CDs, their plastic covers, gift cards or plugs for electronics.  My only option was to pay to recycle the CDs  and electronic cords with GreenDisk.  I sent my gift cards to Earthworks. But not anymore.  Best Buy takes back gift cards, electronics, CDs, and more.
Much to my surprise, I discovered a year ago, I could recycle the following at Best Buy at their recycling center :   (MORE ...)
Gooey Apple Pull-Apart Bread ...
The cinnamon pull-apart bread recipe below is all about shortcuts. It only
takes 5 basic ingredients to make Gooey Apple Pull-Apart Bread
Nothing's better than an apple bread recipe that uses frozen dinner rolls
to cut down on time and effort. Plus, this bread is great for entertaining since it can easily be shared.
If you love apple desserts as much as I do, you have to try this super simple pull-apart bread. 
Click on the pic to the right for this great recipe!
Fall Gardening Tip:   Use Those Autumn Leaves!
Adding new flowering bulbs for next year’s garden?   When leaves drop in the fall, rake or scatter a layer of them over the newly-planted bulbs. They'll love the extra bedding!
It's never too early to plan for the Holidays ... 
Below is a Holiday activity that will delight all ages.  Consider visiting the Morton Arboretum in Lisle, IL with family or friends during the upcoming winter Holiday season ...
Hope you enjoyed this week's news and information.  If you have a topic that you'd like to see covered in a future newsletter, please let me know.  I'm always appreciative of your suggestions.
Should you, or someone you know, have Mortgage questions or be in need of assistance, please contact me.  I'm always glad to hear from you and help in whatever way I can.
Gene Mundt
Mortgage Lender  -  NMLS #216987  -  IL Lic. #0006220
American Portfolio Mortgage Corp.
NMLS #175656
Your Referrals are Always Greatly Appreciated!
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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! 




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Kathy Streib
Room Service Home Staging - Delray Beach, FL
Home Stager - Palm Beach County,FL -561-914-6224

Gene - what I love about your newsletter is that it is chock full of information. And, since I love all things apple, I am going to look at your recipe for apple pull-apart bread.  

Nov 05, 2014 04:05 AM #1
John Meussner
Mason-McDuffie Mortgage, Conventional Loans, Jumbo Loans, FHA, 203(k), USDA, VA, - Walnut Creek, CA
#MortgageMadeEasy Walnut Creek, CA 484-680-4852

Gene - even down here in SoCal we had some chilly weather this past week (relatively, at least) but thankfully the sun came back today.  I'm hoping for a warm winter, although I'd welcome some of the wet stuff to chase this drought away.  I didn't know Best Buy had electronic recycling, that's something I'll have to take advantage of.

Nov 05, 2014 07:11 AM #2
Dick Greenberg
New Paradigm Partners LLC - Fort Collins, CO
Northern Colorado Residential Real Estate

Hi Gene - Good newsletter, full of interesting stuff. I particularly liked the code violation piece, as I've seen them all many times.

Nov 05, 2014 08:11 AM #3
Nick T Pappas
Assoc. Broker/Broker ABR, CRS, SFR, e-Pro, @Homes Realty Group, @HomesBirmingham & Providence Property Mgmnt, LLC Hun... - Huntsville, AL
Madison & Huntsville Alabama Real Estate Resource

Gene, I loved the video about the Morton Arboretum...been there many times.

Nov 05, 2014 08:37 AM #4
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

Got to admit, I can't wait for my wife to make that Apple Bread for us, Kathy Streib ... let me know how you like it!

I had no idea that Best Buy offered that service either, John Meussner ... will definitely be using it in the future.  Hoping for a kinder winter than last year in many ways over the entire U.S. ...


Nov 05, 2014 11:42 AM #5
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

Thought that was really helpful info too, Dick Greenberg ... glad you agreed!

I'm hoping that we can take our grandbabies to see the lights this year at the Arboretum, Nick T Pappas ... sure looks like a wonderful event.  Can't wait to see their faces!



Nov 05, 2014 11:44 AM #6
Joe Petrowsky
Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 - Manchester, CT
Your Mortgage Consultant for Life

Good morning Gene. Fortunately no snow as yet, but it will show up soon enough. Your news letter is amazing, something for everyone, for sure.

Nov 05, 2014 07:17 PM #7
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

Thanks, Joe Petrowsky ... exactly what I hope to hear when someone reads it!


Nov 06, 2014 12:16 AM #8
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Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi

708.921.6331 - 40+ yrs experience
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