2018 seems to be the busiest December in Townstone Financial's history, but why is this year different from previous years? Watch On Facebook

Rates have been increasing throughout 2018 but took a dip this month, does this explain the increase in mortgage inquiries?

Barry and Zach don't agree on a lot, but they are 100% on the same page when it comes to your pre-2019 mortgage/financial check-in.

Remember, visit Townstone.com to put in your own inquiry and speak to an expert Loan Officer for your next home purchase or refinance. 2019 is almost here, are you ready?

With 2018 winding down, we've been getting calls from perspective buyers asking if we "can close a loan in 30 days". The Answer is "OF COURSE, we are consistently closing our purchases 30 days or faster." Watch On Facebook

This means that Townstone could get your purchase contract this week and STILL let you close your loan before the new year.

And while it's been a rough year for rates, these last two weeks have been a GREAT time to get your mortgage rate locked-in. 10 year treasury is trading below 3% for the first time since September!

So for any of you looking to close on a purchase in 2018, time isn't on your side but call 312-896-2114 today to see where you stand.

Also a great time for a mortgage and financial check-in whether you plan to buy next year, 2020, 2021, or even never! Doesn't hurt to review the numbers.

Fill out a Free Consultation at Townstone.com or simply call Zach at 312-896-2114

It's the last episode of the Townstone Financial Show for 2018! Watch On Facebook

Zach Schwartz of Townstone Financial is joined by Randy Barcella Host of Real Estate Revealed for the final episode of the Townstone Financial Show of 2018 before we join forces to bring you the most exciting partnership since peanut butter met jelly.

Frank "Campo" Campobasso joins us to discuss his prediction for a market correction in Real Estate and what your Realtor needs to be doing in this changing marketplace.

Director of Economic Development for McHenry, Douglas Martin, joins us to discuss how changing demographics and a younger/less-experience workforce is impacting cities across America.

Finally, it wouldn't be the Townstone Financial Show without Frank Pellegrini of Prairie Title joining our final segment. Probably the best mind in real estate law right now, unquestionably the best real estate attorney in the state of IL.

Remember, you can get in touch with Townstone or ANY of our expert guests by visiting Townstone.com and filling out a Free consultation. You can also pick up the phone and call 312-896-2114.

 

Happy Holidays!

We've heard disturbing news recently: one of our main competitors is telling their Loan Officers to place people in FHA loans with the promise of a refinance 6 months later. Not only is this unethical, it may be illegal loan churning! Watch On Facebook

Why the housing market is slumping despite a booming economy?

Barry and Zach were live with their thoughts and analysis.

Remember, if you want your mortgage done the "Townstone Way", you need to call Townstone. 312-896-2100 or fill out a free consultation at Townstone.com

The clocks are pushed back an hour for some much-needed extra sleep! Watch On Facebook

But your daylight savings is NOTHING compared to the savings we're achieving for our new and returning mortgage customers.

We had a great show  with Realtor Extraordinaire Frank "Campo" Campobasso who was LIVE from an open house right at 3049 N. Oak Park Ave.

Returning Favorite, Craig Frendling, our resident Northwest Indiana Real Estate Expert, gives us an update on the market on the Hoosier side of the border.

1% down payment purchase loans are back and available to qualifying borrowers along with rehab loans for borrowers wanting to fix-up their current house.

Remember, Visit TOWNSTONE.COM to get in touch with any of our experts.

Enjoy that extra hour of sleep!

Can I buy a home with 1% down? Even less? Watch On Facebook

You asked for it, Townstone delivers! New down-payment assistance programs available through Townstone are making it EASIER to buy your first or hundredth home for qualifying borrowers.

Last week it was rehab loans and our wide range of products is only expanding.

Want to speak with a loan officer about your home-buying or mortgage refinancing plans? Call 312-896-2100 or fill out a FREE consultation at Townstone.com

We hear the phrase "downsizing" all the time, but what about the reverse? "Upsizing"? Watch On Facebook

We've always had people selling their homes in order to buy "bigger", but it's been trickier to get financing for your current home in order to renovate to make your current home "bigger". After a long hibernation, renovation loans are back at Townstone and we couldn't be more excited!

We've got a great show lined up! Linda Pilmer, President and Managing Broker of Pilmer Real Estate, Inc. brings her 35+ years of experience as a business owner and realtor to the conversation. She knows Aurora better than anyone. Great resource for anyone looking to buy/sell there.

Later, Tom Rasmussen, Broker with REMAX has an exciting listing to talk about at 41w035 Brown Rd. in Campton Hills. Check the comments for a link to the listing.

Finally, the one and only Frank Pellegrini of Prairie Title joins us which is always both informative and entertaining. Frank also happens to be the best real estate attorney in the state of IL, but he's too modest to say it himself.

Remember to visit Townstone.com to get in touch with ANY of the experts from the show or to fill out a FREE consultation for your next home purchase, refinance, or renovation.

Millennial Home Ownership Continues to Lag Watch on Facebook

As sung in the classic musical Bye Bye Birdie, "Whats a matter with kids these days?"

Millennials are trailing the boomers in home-ownership rates. Is it economics, societal change, or a little of both? They are getting married later and having fewer kids. Is their transformation from non-owner to homeowner simply delayed or is this truly a generational shift?

Renovation loans are BACK at Townstone! Call 312-896-2114 if you're looking to fix-up your current home or want to discussing purchasing a property to fix-up.

Remember, visit Townstone.com to fill out a FREE consultation to get matched with an expert loan officer for your next home purchase or refinance. Have a great week!

We had a great show Saturday! Stocks and Bonds were up/down/sideways/all ways the past week which has caused anxiety for smaller/individual investors. But many are seeing opportunity in others’ panic. Watch On Facebook

October is STILL Cybersecurity Awareness month. We're talking with Bart Barcewicz of B Suite Cyber Security on the latest data breaches and what you need to be doing to protect yourself online.

One of our favorite guests is BACK! Douglas Martin, director of Economic Development for Mchenry is talking how communities are attracting business with trade area analysis and how the process has vastly improved with new technology.

Frank "Campo" Campobasso brings his 15 years of Real Estate experience to the fold talking how he's utilizing technology and social media to help his clients sell their homes FAST and for MORE.

We finish up with the best real estate Attorney in IL if not the Country: Frank Pellegrini of Prairie Title

Don't hesitate to fill out a free consultation at Townstone.com for your next home purchase, refinance, or to get in touch with ANY of our show experts. Have a great week!