VA Loans: Excellent Rates for Veterans’ Service

Keelin Billue Gubbels Chicago Real Estate, Interest Rates, Mortgage, Refinancing, Uncategorized

In order to get a VA Loan, you must first get a Certificate of Eligibility. We can usually help you obtain your COE through the Automated Certificate of Eligibility (ACE) system. Your periods of Service and other factors also determine your eligibility…we can help you with that. You will need to get us a copy of your DD Form 214, …

It’s Worth it to Refinance

Mike Rzadzki Interest Rates, Mortgage, New Home Buyer, Refinancing

I am a Residential Mortgage Loan Officer and want to give you some reasons for refinancing your current mortgage. Here’s the first one… YOU CAN SAVE A BUNCH OF MONEY! Even 1% Makes a Difference Here are some examples of the potential savings for a mortgage with a balance of $200,000 and a difference in rate of only 1%… $983.88 …

Staging My Home to Sell

Keelin Billue Gubbels Chicago Real Estate, Realtor, Refinancing

Ok, so you need to sell your home.  You figure you just need to tidy up and let potential buyers see your house.  WRONG. Once you decide to sell your house, you need to let the buyer see it as their home, not yours.  Staging a home highlights its strengths, downplays its weaknesses, and gets the buyer picturing themselves living in the home. All …

The Biggest No-Brainer in the History of Mankind: A Smart and Easy Way to Save THOUSANDS

Keelin Billue Gubbels Interest Rates, Mortgage, Refinancing, Uncategorized

With today’s low interest rates, the average homeowner may save hundreds a month or tens of thousands of dollars over the lifetime of a loan just by refinancing.  It sounds too good to be true, but it’s totally true.  In fact, refinancing your mortgage to a lower rate is a NO-BRAINER.   “Households that fail to refinance when interest rates …

Cash-Out Refinance

Keelin Billue Gubbels Mortgage, Refinancing

What Is a Cash-Out Refinance? Homeowners do cash-out refinances so they can turn some of the equity they’ve built up in their home into cash.  A cash-out refinance is refinancing an existing mortgage, but the new mortgage loan is for a larger amount than the amount still owed, and you get the difference. Here’s an example.  Let’s say you own …

The Value of Experienced Loan Officers to the “Digital Mortgage”

Keelin Billue Gubbels Chicago Real Estate, Mortgage, New Home Buyer, Refinancing

There is a trend in the mortgage industry towards “Digital Mortgages”.  Basically, the idea is for the entire process to be handled through a website.  You upload your documents, fill out forms, and digitally sign documents. This is not really all that new and all that unique.  At CFS, we can process docments and forms online as well.  Utilizing technology to streamline the …

Interest Rates – Hanging on Every Word

Keelin Billue Gubbels Chicago Real Estate, Interest Rates, Mortgage, Mortgage News, News, Refinancing

CNBC looked at every word Fed Chair Janet Yellen has released in press statements and ever said at policy meetings.  They have analyzed every word to predict what the Fed will do regarding interest rates in September’s press conference. The full article can be found on the CNBC website. Here is a sample: and also look at this: The stakes …

Free Home Ownership Consultation and Mortgage Benefits. No Cost. No Commitments. Everyone Wins.

Keelin Billue Gubbels Employee Mortgage Benefit, Interest Rates, Mortgage News, New Home Buyer, Refinancing

Our new Employee Mortgage Benefit Program aims to help employees at strong companies like yours. We’re excited to visit your company to provide you and your co-workers with the proper home buying and financing information. There’s no charge and no commitments. First time homebuyers may find the task daunting, but CFS has all the information and expertise to make this …

How Long Does it Take to get a Mortgage?

Keelin Billue Gubbels Chicago Real Estate, Interest Rates, New Home Buyer, Refinancing

The usual time frame is 2 to 4 weeks. Here are the steps: 1. Mortgage Application Your mortgage application can be made over the phone, in person, or online. Be sure to provide detailed information about your annual income, current assets and liabilities, and property value. Your CFS mortgage consultant will help pick the loan product that best suits you …