Welcome to our site!

Thank you for stopping by our mortgage web site.  Even though we have taken special care and consideration to pack this online resource with a wealth of knowledge about the mortgage and real estate process, we want ...

8 Questions Your Lender Should Answer About Mortgage Rates

Simply checking online for today's posted rate may not lead to your expected outcome due to the many factors that can cause each individual rate and closing cost scenario to fluctuate. We can preach communication ...

How Much Can I Afford?

How much mortgage money can I qualify to borrow? This is typically the number one question mortgage professionals are asked by new clients. Of critical importance when considering mortgage financing: There is sometimes a difference between what a client ***can*** borrow and what they ***should*** borrow. In other words, what makes for a comfortable long-term mortgage payment? The Quick Answer: If we're simply considering the financial math, lenders will calculate your Debt-to-Income ... Read More...

Four Possible Reasons To Refinance

A mortgage is generally the largest debt most homeowners have to manage.  It's a good idea to give your personal real estate finance portfolio a check-up at least once a year. Since there are many reasons a ho ...


How To Get Rid Of Your FHA Mortgage Insurance

How To Get Rid Of Your FHA Mortgage Insurance Yes , you can get rid of your FHA Mortgage Insurance that you pay monthly. It is possible but not fast . The length of time that you have to keep your FHA mortgage insurance depends on the amortization term , meaning if it is a 30 yr loan or a 15 y ...
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Are you a veteran looking to buy a house in Illinois? Get free money!

Are you a veteran looking to buy a house in Illinois? Get free money! Illinois housing authority has a wonderful program for our Veterans . It is called Welcome Home Heroes program . This program is open to all qualified Illinois veterans, active military personnel, reservists a ...
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Buying A Condo? Ask These 10 Questions Before Buying A Condo.

If you are buying a condo, ask these 10 questions before you sign on the dotted line . Condos are hard to finance these days, as I am sure you have heard that and lot of times borrowers would have spent the funds on the appraisal, inspection and made a loan application just to find out after 3-4 ...
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HARP Changes Are Coming This Spring

                                                  HARP Changes Are Coming This Spring For your underwater Home The Federal Housing Finance Agency recently announced changes to the Home Affordable Refinance Program (HARP) that will allow more borrowers to refinance and take ...
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Dow Lost 365 Points - Should I Care?

Dow Jones lost 635 points in today's trading . Should you care as a  Realtor , as a consumer or as a person who sells mortgages?  I wish the answer was simple. Everybody kept on saying if our ratings get downgraded , our short term rates would go up and borrowing costs for everybody would go  hig ...
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Someone's Buying Your Name...and You Don't Even Know It!

Your name is actually worth quite a bit. The only problem is that you aren't the one benefiting from it. Very few people realize that each time their credit is checked, the information provided to the credit bureaus (Equifax, TransUnion, Innovis) immediately becomes a commodity that is sold no ...
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  • NMLS #303815
    Illinois, Wisconsin, Tennessee, Michigan