Do You Really REALLY Love that Home??

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


Do You Really REALLY Love that Home?


A statement I often hear from my new mortgage clients is ... 


"I found a house!  I just love it!"

I think that's exactly what you should hear from clients searching for a home.  A home that will house their life ... and probably represents the single-most expensive expenditure they've made in their lives.  And as their Loan Officer, it's certainly something I want them to feel and experience.  


But I also know moving forward, that the intense emotional connection they have towards the home they love and want typically serves as a positive motivating factor during their mortgage process.  Clients "in love" with the home they want to buy are simply much more eager and willing to respond to my requests.  They take action more quickly to facilitate their financing.  

Unfortunately, however, I sometimes find some clients show a big disconnect between the "love" they feel for the home they want ... and the eagerness and willingness they display towards taking part in their mortgage process.  

And at that point, I'm left wondering ... 


"How much do you REALLY want that house?"

It's my opinion that once you enter your mortgage process, it's no longer enough to just love a house and the features it offers.  You have to want it enough to make a productive effort.  

That home you love?  It must provide you constant and consistent motivation.  It must serve as your carrot.  

As an active mortgage applicant, you must do whatever is required ...  when  it's required ... to reach Closing, your successful goal, and outcome.  In other words, you must make a real commitment.


That commitment must include a willingness to: 

  • Work to reach your goal
  • Be Available
  • Listen and Learn
  • Answer questions
  • Make Decisions
  • Follow instructions  
  • Provide documentation 
  • Fulfill obligations
  • Set-aside or Save money
  • Be disciplined
  • More


Clients that enter their mortgage process with this positive "will do" mindset find the process flows more easily and quickly for them.  And their Mortgage Closing ... the culmination of their efforts ... is a far more satisfying and rewarding celebration.

Found the home you want to buy?  LOVE it?

Then you must prove it.  Be a committed mortgage applicant and home buyer and you will enjoy the home you love sooner ...


* 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
American Portfolio Mortgage Corp.
nmls #175656


Direct: 815.524.2280
Cell or Text: 708.921.6331
eFax: 815.524.2281


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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! 


Email Me .. to be added to my Mortgage & Real Estate Newsletter


Re-Blogged 4 times:

Re-Blogged By Re-Blogged At
  1. Nick & Trudy Vandekar, 610-203-4543 03/14/2018 10:44 AM
  2. Debbie Reynolds 03/14/2018 07:09 PM
  3. Ricardo Romero 03/15/2018 02:29 PM
  4. Gabe Sanders 03/25/2018 11:00 PM
Lending / Financial
Illinois Will County New Lenox
1st Time Buyers
Buyer Information - What Buyers Need to Know in Today's Market
home search
buying a home
decision making
financing tips
homebuying advice
mortgage process advice
choosing a home to buy

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Michael Jacobs
Coldwell Banker Residential Brokerage - Pasadena, CA
Los Angeles Pasadena Area Real Estate 818.516.4393

Hello Gene. Especially when if concerns something as large and/or as important ad a home purchase, actions speak louder than any words(including love). S very good and thought-provoking post.


Mar 14, 2018 08:40 AM #16
Stephen Turner
TriCorner Homes (TriCorner Realty) - York, PA

great point. People work harder for that which they truly want. Yet sometimes life happens during the purchase process and buyers need to be 'reminded' of the next step and or deadlines.

Mar 14, 2018 09:17 AM #17
Mary Hutchison, SRES, ABR
Better Homes and Gardens Real Estate-Kansas City Homes - Kansas City, MO
Specializing in Brookside, Waldo, Prairie Village

I've heard people use that phrase based on online viewing only!  And you are correct--the really motivated buyers are the ones that take the time to get the financing figured out first!

Mar 14, 2018 09:49 AM #18
Nick & Trudy Vandekar, 610-203-4543
Long & Foster Real Estate Inc 610-225-7400 - Devon, PA
Tredyffrin Easttown Realtors, Philly Main Line

Another wonderful post, as our in house mortgage provider said this morning speed of getting the mortgage completed is all on the buyer how quickly they repsond providing the required information.

Mar 14, 2018 10:25 AM #19
George Souto
George Souto NMLS #65149 FHA, CHFA, VA Mortgages - Middletown, CT
Your Connecticut Mortgage Expert

Gene amen to:

"Clients that enter their mortgage process with this positive "will do" mindset find the process flows more easily and quickly for them."

Mar 14, 2018 10:46 AM #20
Grant Schneider
Performance Development Strategies - Armonk, NY
Your Coach Helping You Create Successful Outcomes

Good afternoon Gene - you made a great case for setting goals.  In this case it is getting a house.  If you want it you will do everyone you must to obtain it.

Mar 14, 2018 12:33 PM #21
Corey Martin
Martin Presence Group - Ruston, LA
Real Estate and Management Solutions

While I advise caution when making large purchases, you are completely correct. The client needs to know their goals; they need to buckle down and be determined to get through the process. Thank you for sharing. 

Mar 14, 2018 02:12 PM #22
Debbie Reynolds
Platinum Properties - Clarksville, TN
Your Dedicated Clarksville TN Real Estate Agent

It is hard work getting a mortgage and have heard many buyers say if they knew it was going to be that intensive they would have never bought. Great post, Gene.

Mar 14, 2018 07:07 PM #23
Mary Jo Quay
Remax Results - Edina, MN

I've had to ask lenders to step out of their world for a hot minute to understand that most buyers don't' know what is expected of them, why it's important to them, and what they should keep top of mind.  Since we hear it daily, we get it. They don't. On one occasion underwriting sent a document late in the morning for the buyers to sign. (Before we had digital signatures) Two hours later I got a snarky message about not having it returned yet. In the same snarly tone, I reminded them that not all buyers sit in a cubical with a printer/scanner all day. They are at work and underwriting will not get it back until I can reach them after work. Several times I've reminded lenders to speak English, we speak jargon. Clients feel left out, and tune out. 

Mar 14, 2018 07:31 PM #24
Barbara Todaro
RE/MAX Executive Realty - Franklin, MA
"Franklin MA Homes"

Good morning, Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi powerful post from a true professional.... love the home? be committed to following the lead of your loan officer.... 

Mar 15, 2018 05:45 AM #25
Sheila Anderson
Referral Group Incorporated - East Brunswick, NJ
The Real Estate Whisperer Who Listens 732-715-1133

Good morning Gene. Love is seldom enough in life or in a mortgage situation. Great post.

Mar 15, 2018 06:13 AM #26
John Wiley
Right Move Real Estate Group- EXP Realty - Fort Myers, FL
Lee County, FL Real Estate GRI, SRES,GREEN,PSA

I think it can be hard on all parties if the buyer is not fully engaged in the process.

If they have a take it or leave it attitude about a property, I often wonder what we are really doing.

Thanks for a great post.

Mar 15, 2018 09:21 AM #27
Chris Ann Cleland
Long and Foster REALTORS®, Gainesville, VA - Bristow, VA
Associate Broker, Bristow, VA

The least motivated buyer I had was one that I thought would end up in default of his financing contingency just because he couldn't/wouldn't take the time to find his tax returns for the lender.  Yet, I would call and ask if he still wanted the house.  "Of course!"  He never made the connection between the tasks the mortgage lender was asking and getting the home until I laid out the simple fact that if he didn't get off his butt, he would not only lose the home, but his earnest money deposit too.  That did the trick.

Mar 15, 2018 09:56 AM #28
Yolanda Cordova-Gilbert
Sitterle Homes - Richmond, TX
Sitterle Homes


It's funny how people love a home but then some are not willing to make the sacrifices and others are so far out of their league so nice when all the small pegs fit in.

Mar 15, 2018 12:39 PM #29
Dörte Engel
RE/MAX Leading Edge - Bowie, MD
ABC - Annapolis, Bowie, Crofton & rest of Maryland

Dear Gene,

That is what separates the successful home buyers from the lookiloos. In our dreams, we are all millionaire action heros, who have made it to the moon & back.

Mar 15, 2018 08:40 PM #30
Jan Green
Value Added Service, 602-620-2699 - Scottsdale, AZ
HomeSmart Elite Group, REALTOR®, EcoBroker, GREEN

Very good point, as always, Gene.  A client motivated enough to find a home they love must follow through and be motivated enough to complete the loan process.  Sometimes buyers second guess themselves and their decision.  Going through that today, but my buyer is seeing a home for the first time as I found it for her and we are already under contract. I've helped them that way before so it wasn't an entirely foreign process.  Plus they are cash buyers.  We'll see!  

Mar 18, 2018 08:37 PM #31
Lawrence "Larry" & Sheila Agranoff. Cell: 631-805-4400
The Top Team @ Charles Rutenberg Realty 255 Executive Dr, Plainview NY 11803 - Plainview, NY
Long Island Condo & Home Sale Specialists

Yes, be committed in all aspects of the transaction...then they can really love their home!

Mar 19, 2018 12:53 PM #32
Roy Kelley
Realty Group Referrals - Gaithersburg, MD
Roy and Dolores Kelley Photographs

Congratulations on your feature recognition. This is excellent advice to share.

Mar 20, 2018 08:33 AM #33
Joan Cox
Metro Brokers - House to Home, Inc. - Denver Real Estate - 720-231-6373 - Denver, CO
Denver Real Estate - Selling One Home at a Time

Gene, great post, and we do see some slacking at times with buyers not that interested in follow-through and need some prodding to continue through to closing.

Mar 21, 2018 06:00 AM #34
Sally K. & David L. Hanson
Keller Williams 414-525-0563 - Brookfield, WI
WI Realtors - Luxury - Divorce

Preparing about to homeowners for the process is HUGE ....when first timers don't understand all the steps...there is likely to be a resistance that will lead that love to wain...sigh.

May 01, 2018 02:53 AM #35
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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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