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, …

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 …

How Much House Can I Afford?

Keelin Billue Gubbels Uncategorized

Are you renting and wondering if you can buy a home?  Are you thinking of buying a bigger house?  Did your income just change? Use the form below to quickly find out the size of the loan you should qualify for.  Even better than a form, you should contact the loan officers at CFS to get an ever better idea, …

Tax Credit for Buying a Home

Keelin Billue Gubbels Mortgage News, New Home Buyer, Realtor, Uncategorized

Qualified homebuyers can get a tax credit for buying a home.  This can be claimed each year you live in your home.  Call us to apply at 312.642.7979. Here Are the Details: TaxSmart Mortgage Credit Certificate Program TaxSmart is a Mortgage Credit Certificate (MCC) program that provides a federal income tax credit to qualified homebuyers. A tax credit is a direct …

Join Darryl Evans at Money Smart Week Seminars

Keelin Billue Gubbels Uncategorized

Darryl Evans will be hosting several events as part of Money Smart Week. Money Smart Week began as a coordinated effort of the Money Smart Advisory Council, a diverse group of more than 40 Chicago-area organizations working together to promote personal financial literacy.   First Time Homebuyer APRIL 18, 2015, 1:00 PM to 2:30 PM Money Smart Week EVENT ID: …

What is the Deal with PMI?

Keelin Billue Gubbels Uncategorized

Private Mortgage insurance (PMI) is an additional insurance required by most lenders if your first mortgage loan exceeds 80% of the lower of the purchase price or appraised value of your home. The insurance fee attempts to equalize the lender’s risk with a similar loan having 20% equity. For instance, years ago when my wife and I purchased our home, …

Home Loans. That is what we do.

Keelin Billue Gubbels Uncategorized

Whether you are purchasing your first home, or second, we can help structure a home loan program that is best suited to your needs. If this is your first home, congratulations! This is one of the most important investments you will make in your lifetime. Here’s How CFS Can Help You: PRE-QUALIFY YOU FOR A HOME LOAN. Over the phone …

Refinance your Mortgage

Keelin Billue Gubbels Uncategorized

Refinancing a mortgage has become so streamlined and inexpensive, people tend to refinance their mortgage more frequently. There are various reasons to do so: Lower your monthly mortgage payment Take cash out from the equity in your home Shorten or lengthen the term of your home mortgage loan Extend the term of your Adjustable-Rate Mortgage at a similar rate (i.e. …