The Townstone Financial Show

Reverse Mortgages: separating fact from fiction. With so much misinformation out there, the guys discuss why you need to consult with a Townstone expert before you start the process. Watch On Facebook Is it still a good time to consolidate that higher or adjustable interest-rate debt? Depends on your situation! Remember to visit Townstone.com or call 312-896-2100 for a FREE personal consultation to review YOUR scenario.

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.

Zach and Alec give a mid-week mortgage and real estate update before we head into the long weekend! Watch On Facebook Will it be a busy weekend for real estate, alcohol consumption, or both? The guys debate, you decide! Rates have shown little movement in the last few weeks, but how long will it hold? With the FED expected to raise their rates next month, might be a good time to consider refinancing out of your adjustable-rate debt. Fill out a FREE mortgage consultation at Townstone.com or call us at 312-896-2100 for your next home purchase or 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.

New home sales fall to 9-month lows but that doesn't mean the housing recovery is over. The headlines only tell 1/2 the story. Demographics and construction costs point to continued recovery. Watch On Facebook Even with the "rising rates" you hear about, how are so many people refinancing to consolidate their debt and STILL saving money? Make sure you visit Townstone.com for all previous episodes of the show or podcast. You can also request a FREE consultation with a Townstone Loan Officer for your next home mortgage.

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.

WGN interview with Steve Bertrand, WGN Business Lunch 8-13-18

Shake those Tuesday Blues with a mid-week mortgage and real estate update on today's episode of the Townstone Financial Podcast. Zach and Alec are joined by special guest Ira Schwartz. (Watch On Facebook) Zach thinks "SOMETHING" weird is happening in the purchase market this past week, but Alec and Ira disagree.You don't want to miss this one! Remember, visit Townstone.com to get in touch with an expert Loan Officer for your next home purchase or refinance! Have a great week.

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.

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.

Happy Wednesday! The FED holds steady for now, but what does that mean for September? More bad news for Wells Fargo, but does that surprise anyone at this point? Not us! Watch On Facebook We have a great show planned for Saturday at 1pm here on Facebook and AM 560 The Answer. Remember to visit Townstone.com to fill out a FREE consultation for your next home purchase or refinance.

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!

Mid-week mortgage and real estate update with Zach, Alec, and Barry! Watch On Facebook Facebook has the biggest stock market loss of all-time, trade war between U.S. and EU seems to be on hold, reverse mortgages, 0%-down VA purchases, so there's a lot of ground to cover! Remember to visit Townstone.com to fill out a free consultation to get in touch with an EXPERT for your next home purchase or refinance

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.

Are there enough houses for sale? Should you move? If your neighbor puts his home for sale will there be a domino effect in the area? Can you fix anything, paint, replace a light bulb? A little sweat equity may be the charm in order to get a great home deal. Watch On Facebook It's Friday and that means The Townstone Financial Podcast is LIVE! Remember, Townstone.com is where you can fill-out a FREE consultation for your next home purchase or refinance. All previous episodes of the podcast and Townstone Financial Show are available there as well. We are going LIVE again tomorrow at 1:05PM and EVERY Saturday on Townstone's Facebook page and over the airwaves on AM 560 The Answer

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.

Is the housing shortage coming to an end? Will that lead to another housing bubble? Watch Barry and Zach discuss the latest CNBC housing report and what it should mean to you. Remember to visit Townstone.com for a FREE consultation. Our Loan Officers will be happy to talk you through ANY purchase or refinance scenario. You can also call us at 312-896-2100 Watch On Facebook

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.

Did you know that the information on your homeownership and mortgage is available to the public via the county recorder’s office? Many unscrupulous companies scan these records to target homeowners with unnecessary and costly products. Do you have an adjustable home equity line? Do you even know the terms? If not, visit townstone.com today for a free consultation. You don't want to be surprised by a huge rate increase or balloon payment if you don't stay on top of the terms of your HELOC. Watch on Facebook Remember to "like" page on youtube or Facebook to subscribe to future shows. All previous episodes available on Townstone.com From our family to yours: Happy 4th of July!

Today's Comcast/Xfinity outage has crippled industry from coast to coast, do we depend TOO MUCH on the internet these days? On the mortgage front, rates finally hold steady, but how long can it last? Watch On Facebook Remember to visit Townstone.com to get in touch with an expert Loan Officer for your next refinance or home purchase. Wishing everyone and their families a Happy 4th!