Townstone Financial

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

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 Loa

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.

Millions of Americans will fight their Turkey hangovers this Friday to wait in line for a chance at a discounted TV or other consumer product. Isn't getting a great deal on Black Friday what the American Dream is all about? Joking aside, while it IS nice to get a discount on anything you're buying this season, please don't miss the forest for the trees. A mortgage refinance could save you hundreds monthly and tens of thousands over the life of the loan. While everyone else is busy elbowing each other for position in line, you can sit comfortably at home knowing you've saved more on your mortgage than you ever will on holiday purchases. Speaking of holiday shopping, a recent survey shows that nearly 3 in 5 (59%) holiday shoppers incurred some credit card debt during the 2018 holiday season, and 35% of those who did say they’re still working to get it paid off. If you haven't looked at a debt-consolidation mortgage yet, do yourself a favor and fill out a free consultation at Townstone.com because credit card

Heading into the New Year on a high note and a low rate! Abridged show today, Barry had to leave and Zach had to get back to his files. Are you working with Townstone right now on a refinance or new home purchase? Why not? All it takes is a quick visit to Townstone.com to fill out a FREE consultation. We'll see if we can save you money! Don't spend an hour waiting in line next Friday for a discounted TV when you can spend 5 minutes at home and potentially save WAY MORE than any Black Friday deal.

A Special and SPOOKY edition of the Townstone Financial Show! Wishing our clients and listeners a happy Halloween. First day of snow in Chicago seems like it's coming earlier and earlier every year. Walking or driving, just go slowly and get readjusted to the slippery roads and sidewalks. Remember, there is STILL time to purchase a home or refinance your current loan before the end of 2019, so fill out your FREE consultation at Townstone.com today. Have a great rest of your week.

Oh the weather outside is frightful, but inside you can go to Townstone.com, fill out a FREE consultation, and save money by refinancing before the year is out! Let it snow savings! Strangely enough, home buyers do not seem to be letting the frigid weather slow them down. Looking to buy a home? FREE consultation at Townstone.com It's time for your year-end financial check-up! Spending too much on rent? Let us help you become a homeowner. Too much each month on the mortgage payment? Let us see if a refinance would benefit you. Pocket listings? National Association of Realtors says "No More!" but what does that even mean? WeWork doesn't seem to be working with their 1.25 BILLION (with a B) loss last quarter. Don't be like WeWork and spend more money than you make, Townstone can help you save on your mortgage whether you're refinancing or purchasing. Where can you request your FREE consultation? That's right, Townstone.com

The FED lowers their rate, but mortgage rates creep higher! We've said it for years, but the FED does not control mortgage rates and this week makes it easy to see. Infinite Money Glitch? No, we're not talking some video game here. Trading platform RobinHood has recently been dealing with the fallout from a "glitch" in their system that was allowing individuals to leverage themselves up to infinity. Some reports showed people with $1,000 initial investments being allowed to take leveraged positions over 1 Million! Looks like we went straight from the end of summer to a cold winter here in Chicago. Time to start doing your end-of-year financial checkup to make sure you're in the best spot heading into 2020 as you can. Free consultations at Townstone.com Thanks for listening. Have a great week.

School is out for summer? Here in Chicago, it's also out for fall... At least the kids are getting better at Fortnight this week. Rates finally take a breather this week as some much-needed stability comes back to the market, but still plenty of opportunity to refinance to a lower payment, debt consolidation, and lower rates. Today we're joined by SPECIAL guest Johanne Friedli of Goosehead Insurance discussing, you guessed it, insurance! It's something that nobody wants to talk about, but it sure comes in handy when you need it. Remember, Townstone.com is filled to the brim with information on our services and products. That's also where you can fill out the FREE consultation for your next home refinance or purchase. Have a great week!

WARNING: This show has NOT been approved by the People's Republic of China! Nobody likes free speech being censored, what about these companies self-censoring in order to do business in China? Refinances picked up this week as rates came down a bit from their already-low levels. Great time to save some money as we head into the holiday season. Make sure to fill out a FREE consultation request at Townstone.com to see if you can benefit. Purchases are showing resiliancy even as the weather starts to turn, will 2020 be a buyer's or seller's market? Have a great rest of your week. Thank you to our loyal listeners and viewers.

t's almost like the market has a mind of its own and just doesn't want to be predictable. You know who is predictable today? CNBC with their headline on "New Plunge in Rates" to try and get you to click, but we're here to discuss the CONTEXT! Yes, rates have dropped this week... but that still hasn't made up for the previous 3 weeks where rates were heading up. For your next home purchase, refinance, or just to discuss the latest in the mortgage market, fill out a FREE consultation at Townstone.com Reporters might be writing about mortgages one day, taxes the next, and global trade after that. Here at Townstone, we only do mortgages. And we do mortgages best.

Is There A New Product Or Program To Qualify For A Home Loan. by Barry Sturner

How Can Self-employed/ Small Business Owners Qualify to Get a Home Loan? by Barry Sturner

Rates see-sawing while uncertainty increases! While there are still some good deals to be had, the mortgage market has taken a turn for the worse this week. Is it politics? Trade? or some other economic condition nobody is talking about? Purchase season seems to be back! While these colder months often have lower purchase volume, the last 2 weeks saw a flurry of new purchase contracts. If you want to purchase or refinance, there is still time to get it done before the end of the year. Fill out a FREE consultation at Townstone.com.