Let's take a step back and analyze the chain of events:

1. Coronavirus scares the market

2. Stocks and Mortgage Rates down

3. Market forgets about coronavirus

4. "Buy the dip"?

It's probably a bit more complicated than that, but it's pretty confusing from where we're sitting.

The good thing, mortgage rates are still LOW! Make sure you're not overpaying on your mortgage by filling out a FREE consultation at Townstone.com

And we can't forget about you purchasers out there! There might be a weather advisory warning today, but spring is around the corner and it's time to get prequalified.

Where, you ask? Townstone.com of course!

Have a great rest of your week. Stay Warm!

Coronavirus health scare also spooks the markets and Halloween isn't for another 10 months!

Refinance activity slowed the past few weeks, but anyone with a mortgage dated before September 2019 should contact us to see if they're eligible for a refinance to a lower rate. Townstone.com to fill out a free consultation.

MAKE SURE TO CHECK ON YOU HOME EQUITY LINE/LOAN! Many are getting a nasty surprise in the mail when their mortgage company is demanding the entire balance of the loan in 30 days. This is called a "balloon payment" and you don't want it to catch you unprepared.

It's cold outside, but the purchase market is heating up! Don't be left in the cold this spring, get pre-qualified TODAY by filling out a free consultation at Townstone.com

Jim has a new phone and is really missing his old "home" button.

Economic data is still looking good but doesn't the party have to end at SOME point?

Along with a huge influx of purchase activity, we're still seeing even more refinances to lower rates, payments, or debt consolidation.

Don't pay higher rates or closing costs with WORSE customer service somewhere else, make sure your next refinance is through Townstone.

Let It Snow! Let It Snow!

Does your mortgage company teach you how to shop for the best possible deal on your purchase or refinance? Townstone does!

It shouldn't be a secret at this point since we have been beating the banks since 2002. Maybe they don't want you to shop around because they're scared that they'll get beat? Make sure to ask them next time, or better yet: CALL TOWNSTONE!

Free consultations available by filling out a request at Townstone.com or just call 312-896-2100.

Don't pay more for worse. You wouldn't do it at the grocery store, you shouldn't do it on your mortgage.

Designed by clowns who in turn are supervised by monkeys". Not a great look for Boeing unfortunately.

Possible escalation with Iran dominated the headlines at the start of the week pushing mortgage rates lower. They came back up by the end of the week once it looked like things were calming down.

A lucky few locked-in Friday-Tuesday but those that missed out are still in a great mortgage market with plenty of opportunity for qualifying, saving money, debt consolidation, and more.

Don't be left out of the spring purchase market! Go to Townstone.com to fill out a free consultation for your next purchase, refinance, or reverse mortgage to speak with an expert.

New Year, New You? Time for the annual rush to the nation's gyms as new member's make good on their resolutions before canceling their membership in March.... oh well, looks are fleeting anyways.

You know what isn't fleeting? A fixed-rate 30 year mortgage! One day into the New Year and we're already seeing a huge up-tick in clients looking to qualify for a home purchase. The spring buying season seems to start earlier and earlier every year and it's never too early to see what you could qualify for on a new home purchase.

Refinances, too many of you are still groggy from the holidays, but there is money to be saved for MANY via a mortgage refinance. Maybe you simply have a rate or payment that's too high. For others, we're consolidating credit cards, student loans, you name it!

Reverse mortgages fall into their own unique category, but every scenario is unique so you need to make sure you or your loved one fills out a FREE consultation at Townstone.com to make sure your family is making the best financial decision possible.

Wishing you all a happy, healthy, and profitable 2020!

Get out of that eggnog slog!

Christmas 2019 is over and by the time we're sitting down to do the podcast next week, 2019 will be over too! Time sure does fly when you're having fun.

Do you want to make sure you and your family start the new year off right? Can't imagine anyone answering "no" to that question, but you can close out of this video by clicking the "x" in the top right of your screen.

For everyone else, a few points as we head into the new decade:

1. Renters! Have you done the math? How much extra is it costing you to line your landlord's pockets each month?

2. Homeowners! Do you have a mortgage? Are you SURE that you aren't overpaying each month?

3. Everyone Else! Thinking about buying a home? Refinancing your current mortgage? Taking cash-out for home improvements? Consolidating credit cards? Reverse Mortgage questions? HAVE YOU SPOKEN TO AN EXPERT?

The answer is easy: www.townstone.com

Why? You fill out a FREE consultation taking no more than 30 seconds of your time. Next, an expert Loan Officer will reach out to you for a personalized, hands-on mortgage experience where we make sure that you're happy when your loan closes and that it puts you on better financial footing as we head into 2020.

Too busy to fill out a free consultation until after the new year? We'll still be here and are looking forward to helping.

Wishing you all a happy and healthy New Year!

Back in 2015, we started streaming the Townstone Financial Show LIVE over Facebook. Many have tried to copy, but none have a claim to being the original live Mortgage, Real Estate, and Finance Podcast. Thank you for 4 incredible years! Here's to another 40!

They say everything old is new again. Another Star Wars film hits theaters this weekend, is there any franchise left that Disney doesn't own?

The President has been impeached by the house, but today's markets don't seem to care.

Mixed opinions on where rates are heading, but one thing is certain: fill out a free consultation at Townstone.com to see if we can save you money on your mortgage.

Purchases, refinances, reverse mortgages? Stop searching the internet and speak with an expert TODAY!

s we sprint to the end of 2019, rates are heading upwards.

But we are still around the 4-year lows for rates, so make sure you visit Townstone.com to fill out a FREE consultation to see if you can save money!

Uber users in Chicago are in for a surprise next year if the $3 surcharge is actually implemented. The city needs money, but is this the way to do it?

Our eyes are on the possible trade deal with China as we head into next week. Not expecting much movement on mortgage rates for the next week unless the deal falls through completely, and even then we might not see a significant drop if any.

Home-buyers are opting for "move-in ready", smarter home-buyers are listening to Barry's advice from today on buying a "fixer upper".

Purchases, refinances to lower rates, lower payments, debt consolidation, reverse mortgages, the list goes on.... Check out Townstone.com to see what we can do for you.

Final Call! Last chance to close your mortgage before 2020!

With rates slowly creeping up this week, there is still just enough time to refinance or purchase before we ring in the new year. Make sure you fill out your FREE consultation at Townstone.com TODAY to maximize your odds of closing in 2019.

After the best year for stocks on record, have we hit a ceiling or will the good times continue up to infinity?

We're doing a ton of year-end mortgage and financial check-ups, but we would love to help you too. Fill out the consultation request at Townstone.com to speak with an expert.