Townstone Financial

Untapped home equity is higher today than any time in the last decade! What are the best ways to tap that? And when should you do a cash-out refinance vs. a home equity line of credit? Watch On Facebook Zach and Alec are later joined by Realtor Linda Schwartz discussing market expectations for Chicago and the surrounding suburbs. Finally, special guest Frank Pellegrini explains how earnest money works during home purchases. Remember to visit Townstone.com to fill out a FREE consultation for your next home purchase or refinance. And tune-in every week to the Townstone Financial Show on AM560 or streaming live on Townstone's Facebook page.

What a wild week and this episode Townstone Financial show on AM 560 had it all! Watch On Facebook Outlets like CNBC are pushing inflammatory headlines like "70% of millennials regret buying their homes" but is that true? The President says the FED should slow-up on rate hikes and the 30% gains in the market since inauguration gives him the opportunity to wage trade war "playing with the bank's money", but should the fed listen on the rate hikes? And how would a trade war impact the housing market? Alec and Zach were LIVE to separate fact from fiction. Realtor extraordinaire Sherri Crawford of Coldwell Banker joined the conversation to share her insight on the local market. Insurance expert Michael Schwartz of NFP gave his thoughts on the National Flood Insurance Program. Remember, Townstone.com is where you can download EVERY previous episode of the show. That's also where you can fill out a FREE consultation to get in touch with a mortgage expert.

Time for your weekly dose of reality: Townstone Financial was LIVE! Watch On Facebook Mary from nbriding.com talks about how horses are helping to treat war veterans. The President of A-Plus, Rick Moskovitz talks natural products to kill your pets issues. Frank Pellegrini from Prairie Title talks the CFPB with Zach and Barry. Sally calls in with a foreclosure issue on her house that Zach, Barry and Frank try to help her with. Remember, for 16 years Townstone has cared about you and we will continue to help anyway we can. Visit Townstone.com to fill out a FREE consultation for your next home purchase or refinance. Thank you to our listeners and sponsors for making the Townstone Financial Show the #1 mortgage and real estate show in Chicago!

Townstone Talks Insurance! With Mortgage Insurance, Title Insurance, Home Insurance, Flood, Condo, Renter's... it's almost impossible to keep track! Zach of Townstone Financial is joined by Special Guest Attorney Frank Pellegrini of Prairie Title as they discuss the differences between the variety of products labeled as "insurance" and why it's important for you to know! They're later joined by Michael Schwartz of NFP who explains why condo owners need to be proactive in making sure their project has adequate coverage! Remember to visit Townstone.com to fill out a FREE consultation. And catch us EVERY Saturday from 1-2 on AM560 and live-streaming on Facebook.

The Townstone Financial Show : Your #1 Mortgage and Real Estate Program was LIVE! (Watch On Facebook) Aging Housing Stock; Problem and Opportunity! The median for owner-occupied homes was 31 years in 2005. Today, it's 37 years! Even with the strong economy, millennial's are still staying with their parents instead of starting their own households, but are they the smart ones? Ready to rent a new home? Beware of these new scams. Remember to visit Townstone.com to catch-up on previous episodes of the show or podcast. You can also fill out a FREE mortgage consultation to get set-up with an expert on your next home-purchase or refinance.

Low rates and inventory have created a "seller's market" in real estate for the last several years, but is that finally coming to an end? Watch On Facebook Home-builder sentiment hits lowest point in almost a year as affordability becomes a bigger worry. Zillow appears to be entering the mortgage business as other smaller lenders drop out, why the industry consolidation will ultimately increase prices and limit choices for future mortgage borrowers. Barry and Zach were LIVE with their thoughts and analysis. Later, joined by Attorney Frank Pellegrini, one of the finest legal minds today. Remember to visit Townstone.com to fill out a FREE consultation for your next home purchase or mortgage refinance.

With record property appreciation over the last decade and signs pointing to it slowing, you need to be SMARTER than the crowd! Don't be fooled or scared by inflammatory and misleading headlines! Watch On Facebook Whether buying a new property or refinancing your current one, you need to make sure you're working with a team that has your back! Think back to the last mortgage loan you completed, would you recommend them to you family or friends? If the answer is "NO", that's a big problem! Townstone purchase and refinance clients have been happily closing on-time since 2002 with the best rates and lowest costs in the industry. Visit Townstone.com to fill out a FREE consultation, you'll thank us after.

And we were LIVE Saturday on Facebook and radio on AM 560 The Answer! Another day, yet another Wells Fargo scandal. This time dealing with denied mortgage modification applications. Will the bad news ever end for them? Next, with LIBOR set to disappear in 2021, what does that mean for the financial products currently tied to it? Most adjustable-rate mortgages are based on LIBOR so what happens when it goes away? Finally, why is communication with your lender during the purchase or refinance process vital? Frank and Zach are in the studio discussing some common mistakes borrowers make while in the loan process and how you can avoid them. Remember, all previous episodes of the show and podcast are available at Townstone.com. You can also fill out a FREE consultation there so you can get in touch with a mortgage expert for your next home purchase or refinance.

With the end of 2018 just around the corner, what are YOU doing to set yourself up for success in 2019? Watch On Facebook Lots of special guests and experts on this week's episode: The guys are joined by Mary Hensley from New Beginnings Therapeutic Riding Foundation discussing their upcoming "Barn Raiser" fundraiser on October 13th and their Soldiers' Clinic on November 4th. Nick Libert of Exit Strategy Realty talks about buying, maintaining, and managing investment and income-generating properties. John Harty brings his 40+ years of construction and real estate expertise to the table discussing custom home projects and why you "get what you pay for" when it comes to contractors and construction. Finally, we're joined by the best Real Estate Attorney in the state of IL, Frank Pellegrini of Prairie Title. Remember to visit Townstone.com or call 312-896-2100 to get in touch with any of our experts. Have a great week!

Happy September! With only 25% of 2018 remaining, the year has flown by! Watch On Facebook Why do American households have so much credit card debt? Secrets to saving money, lowering your credit card debt and having enough money for that first house or a bigger house, we talk budgeting and common sense. Megan R. Abraham, Executive Director of the Goldie Initiative talks about how her group is helping Women succeed in commercial real estate and many other endovors. Want to get leads for your company, we talk to lead guru Charles about the do's and don'ts of social media and how to be get started in promoting your company on the web. Remember, visit Townstone.com to fill out a FREE consultation for your next home purchase or refinance.