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Mortgage and Lending - First Centennial Mortgage - NMLS # 132763
Why overpay for a home by overpaying for a mortgage? My role as a loan officer is to put education at the top of the list for homebuyers & prepare them to get the most value. In 2008 I was awared the NAMP Integrity Seal (ethics & professional commitment to consumers), also received CRMS & CMC designations. Less than 1/2% of all loan officers have achieved these levels of recognition.
Any suggestions?  Any "watch out for this"? I am meeting with someone that is legally blind and wants to apply for a mortgage.  The borrower does not read Braile so this is not an option.  The borrower has the income and the assets to close.  The spouse can see and claims to have a financial powe...
As we hear the latest  layoff news, has anyone asked why we still have not seen any layoffsnotices coming from Congress?  With the internet efficiencies, I would think tht cutting back our representation to one Senator per state and half the number of Congressmen would cut significant costs from ...
As a mortgage broker, I am frustrated with all the bailouts being offered to the companies that contributed to our economic crisis.  I am frustrated because those that can are ignoring an opportunity to help homeowners.  If a homeowner had an FHA loan, they could refinance to a lower rate without...
November 18, 2008 at 12:38 PM | If you have not noticed, loan modification companies are now on almost every corner.  They are also the latest target of Illinois Attorney General Lisa Madigan. She is warning homeowners about companies that are offering to help them save their homes by negotiating...
The operative word is "insurance".  Refer to my earlier blogs for more details - Greedy Banks and Frozen Equity Lines.  In the past, having less than 20% down gave you two options.  PMIor a second/equity line of credit.  The majority of the home buyers choose the equity line of credit for the fle...
Last week I visited with the Lake County Board of Review.  It was a 15 minutes time slot that reminded me of how it felt when I was asking my father to borrow the car.  The assessor's web site identifies comparables.  They pick those that favor their positon, I pick those that support my position...
BANKS REFUSE TO HELP HOMEOWNERS! GREED again hurting the housing market   If it doesn't cost the bank and doesn't increase their risk, then why are the banks refusing to help the housing industry? Market conditions are beginning to offer many homeowners an opportunity to refinance their first mor...
  IDFPR COMPANY FINES, REVOCATIONS AND SUSPENSIONS     September 2008 1)     UAM CORPORATION, Irvine, CA, License No. MB.6759328 was fined $5000.00 for using unregistered loan officers   2)     BRINKMAN MORTGAGE GROUP, INC. , Hickory Hills, IL, License No. MB.6759195. was revoked for failure to c...
APPRAISAL NEWS - Last night I watched C-Span and Director of Federal Housing Finance Agency   James Lockhart responded to a question as follows:   "the appraisal agreement(restricting mortgage brokers from ordering appraisals) is being reviewed and implementation of the resulting policy will be d...
If you are looking for something new and exciting to do this weedind, take the kids to see the ski jumping (and more) in Fox River Grove ( September 20 and 21).  Check out for details and directions.  Get there early(1 PM Saturday, Noon Sunday) and see the top ski jumpers of ...


CRMS, CMC, Mortgage Specialist NMLS # 207204
local_phone(847) 592-2977
smartphone(847) 209-9458
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Why overpay for a home by overpaying for a mortgage? We put education at the top of the list for homebuyers & prepare them to get the right mortgage the first time and every time. Check our website at for helpful information