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Service Areas ​ One Republic Mortgage prides itself on our boutique-style approach, allowing us to devote personal attention to every case, placing the needs of our clients above all else. ORM is a customer-centric organization. This customer-first culture impacts everything we do. It drives the way we work and the way we interact with each other while maintaining a laser focus on our clients. Arlington Heights Arlington Heights is a town in Illinois with a population of 77,676. Arlington Heights is in Cook County and is one of the best places to live in Illinois. Living in Arlington Heights offers residents an urban suburban mix feel, and most residents own their homes. Read more Buffalo Grove Buffalo Grove is a suburb of Chicago with a population of 43,212. Buffalo Grove is in Lake County and is one of the best places to live in Illinois. Living in Buffalo Grove offers residents an urban suburban mix feel and most residents own their homes. Read more Des Plaines Des Plaines is a town in Illinois with a population of 60,675. Des Plaines is in Cook County and is one of the best places to live in Illinois. Living in Des Plaines offers residents an urban suburban mix feel and most residents own their homes. Read more Glenview Glenview is a suburb of Chicago with a population of 49,000. Glenview is in Cook County and is one of the best places to live in Illinois. Living in Glenview offers residents a dense suburban feel and most residents own their homes. Read more Highland Park Highland Park is a suburb of Chicago with a population of 30,176. Highland Park is in Lake County and is one of the best places to live in Illinois. Living in Highland Park offers residents a dense suburban feel and most residents own their homes. Read more Mundelein Mundelein is a suburb of Chicago with a population of 30,176. Mundelein is in Lake County and is one of the best places to live in Illinois. Living in Mundelein offers residents a dense suburban feel and most residents own their homes. Read more Northbrook Northbrook is a suburb of Chicago with a population of 35,222. Northbrook is in Cook County and is one of the best places to live in Illinois. Living in Northbrook offers residents a dense suburban feel and most residents own their homes. Read more Palatine Palatine is a suburb of Chicago with a population of 67,908. Palatine is in Cook County and is one of the best places to live in Illinois. Living in Palatine offers residents an urban suburban mix feel and most residents own their homes. Read more Schaumburg Schaumburg is a town in Illinois with a population of 74,194. Schaumburg is in Cook County and is one of the best places to live in Illinois. Living in Schaumburg offers residents an urban suburban mix feel and most residents own their homes. Read more Wheeling Wheeling is a suburb of Chicago with a population of 39,137. Wheeling is in Cook County and is one of the best places to live in Illinois. Living in Wheeling offers residents an urban suburban mix feel and most residents own their homes. Read more

Service Area Arlington Heights < Back to all areas About Arlington Heights 0 Population 77,676 Median Household Income $96,340 Median Home Value $358,300 $1,368 Median Rent Arlington Heights is a municipality in Cook County with a small portion in Lake County in the U.S. state of Illinois. A suburb of Chicago, it lies about 25 miles northwest of the city's downtown. Per the 2020 Census, the population was 77,676. The Village is one of the top 15 largest municipalities in Illinois, featuring a unique blend of old and new. It’s a progressive community that people are proud to call home and where young families like to establish their roots for generations to come. It’s a community that offers vibrancy and interest. Arlington Heights is an attractive destination for homebuyers, shoppers, businesses and visitors with its dynamic economy, award-winning schools, library, park district, a highly acclaimed Northwest Community Hospital. One Republic Mortgage in Arlington Heights, Illinois One Republic Mortgage, an Illinois lender and longtime servicer of Arlington Heights, Illinois home sellers as well as buyers. The company prides itself on the boutique-style approach, allowing its team to devote personal attention to every file, placing the needs of our clients above all else. ORM offers the best and most competitive mortgage interest rates for on the market. Transparency, integrity, and honesty are above all else when presenting the best home loan options for each individual situation. The company leadership as well as the entire staff strive towards a customer-centric approach. Public Schools These are some of the top-rated public schools in Arlington Heights based on a variety of measures, including academic performance and equity. Shopping Arlington Heights offers great variety for your retail experience. There are over 4.0 million square feet of retail space to meet the needs of today’s diverse shopping wants and desires. Arlington Heights shopping centers provide upscale architecture with attractive landscaping and pedestrian friendly design. There is also a diverse merchandise mix and abundant free parking. Dining Arlington Heights, IL offers a unique combination of popular and well-known favorites, with the opportunity to discover a new favorite at one of our many independently owned restaurants or shops. www.opentable.com/features/best-casual-restaurants-arlington-heights-il Arlington Heights Farmers Market Starting Saturday, May 15 (8 a.m.-12:30 p.m.) through October 16, a bustling market full of the seasons local fresh produce, artisanal cheese, homemade pastries, freshly roasted coffee, hot breakfast foods, handmade goods, and much more comes to life in commuter parking lot across from the Arlington Heights Historical Museum on Vail Ave. and Fremont St. Housing The Planning & Community Development Department administers, provides, and supports a variety of housing and community development service programs that are aimed to address the housing and community development service needs of the residents of Arlington Heights, Illinois. Many programs and activities are targeted toward low and moderate-income individuals and households. The goal is to maintain a variety of housing options, including affordable housing opportunities, and to maintain a high quality of life in the community. The Housing division is engaged in planning for the community’s housing and development needs, applying for and administering federal and state grants, and directly implementing housing programs and initiatives. www.vah.com/village_services/housing_programs Healthcare and Hospitals Arlington Heights is committed to serving the needs of the community through disability, environmental health, social, nursing, and senior services, as provided through the Health & Human Services department in an effort to produce and maintain an environment that provides optimum health, safety, comfort and well-being, now and for future generations. Transportation Arlington Heights is in a great location with an excellent transportation infrastructure and convenient access to Chicago and O’Hare International Airport. The Village’s two train stations provide commuters Metra service to Chicago in just over 30 minutes during rush hour. Pace bus services are also available. Arlington Heights is a municipality in Cook County with a small portion in Lake County in the U.S. state of Illinois. A suburb of Chicago, it lies about 25 miles northwest of the city's downtown. Per the 2020 Census, the population was 77,676. The Village is one of the top 15 largest municipalities in Illinois, featuring a unique blend of old and new. It’s a progressive community that people are proud to call home and where young families like to establish their roots for generations to come. It’s a community that offers vibrancy and interest. Arlington Heights is an attractive destination for homebuyers, shoppers, businesses and visitors with its dynamic economy, award-winning schools, library, park district, a highly acclaimed Northwest Community Hospital. As a Chicagoland's mortgage lending company, we are able to meet with clients nearby: Addison | Bannockburn | Barrington | Bensenville Bloomingdale | Bridgeview | Glencoe | Chicago | Crystal Lake Deer Park | Deerfield | Evanston | Elmhurst and many other cities. < Back to all areas Connect with Your Loan Specialist Apply for a Loan Now Get Pre-Approved Read our Blog Mark Kelner Oct 25 Integrating Environmental Sustainability in Mortgages Incorporating environmental sustainability in mortgage practices is a crucial step toward promoting a greener and more sustainable future. 2 Post not marked as liked Mark Kelner Oct 24 Building Long-Term Client Relationships for Referrals Building long-term client relationships is essential for generating referrals, as satisfied and loyal clients are more likely to recommend 2 Post not marked as liked Gabriel Huerta Oct 23 The Pros and Cons of Adjustable-Rate Mortgages (ARMs) Adjustable-rate mortgages are a type of home loan where the interest rate fluctuates over time based on changes in a specified financial 1 Post not marked as liked

Service Area Schaumburg < Back to all areas About Schaumburg 0 Population 74,194 Median Household Income $80,096 Median Home Value $252,100 $1,440 Median Rent 25 miles NW of the Loop. Schaumburg differs from many of the other northwestern suburban towns in that it did not start around a railroad depot. The area, which was very marshy, attracted its first settlers from eastern states in the mid-1830s. Trum- bull Kent of Oswego County, New York, was the first Yankee arrival. He was soon joined not only by other easterners but also by Germans, many of whom came from Schaumburg-Lippe, between Dortmund and Hannover. They settled along the Chicago–Elgin Road (Irving Park) and other local highways. These farmers organized a German Lutheran congregation as early as 1840, and in 1847 they built their first church. A few years later there was a controversy over the name for the little town that was emerging near the church; some wanted it to be Lutherville, but in the end it became known as Schaumburg Center. It grew very slowly, for the area, though fertile, was swampy, and there was no railroad depot to open the communications with Chicago and stimulate rapid growth. By the end of the nineteenth century the population of the whole township was only about 1,000. The township, which by 1900 boasted three cheese factories, continued to grow very slowly during the first half of the twentieth century, as did the little town. WOODFIELD MALL INTERIOR, 1973 The construction of the Northwest Toll road in 1956 wrenched Schaumburg from its isolation. Schaumburg-area farmers took an active role in industrial, commercial, and residential development. Soon a large number of streets, often at dizzying angles to avoid quadrilateral monotony, spread out from the old center, until by 1980 the population numbered53,305 and the land was almost entirely built up. I-290 came to border Schaumburg to the east, cutting it off from the forests and sloughs of the Ned Brown Forest Preserve; to the north it extended as far as the old Algonquin Road, once an Indian trail and then the route of the Chicago–Galena stagecoach. In the northeastern area emerged Woodfield Mall, opened in 1971 and one of the region's largest shopping centers. It was not by chance that the mall developed close by both I-290 and the Northwest Tollway. While Schaumburg's dramatic growth came with the automobile, the community now has a rail depot and is a regional public transportation center. Schaumburg today is a mature community, with a small industrial area in its southwestern section and a great variety of churches, schools, and open places. Its German origins are now muted, though they live on in road names like “Biesterfield.” While Woodfield defines Schaumburg to outsiders, residents have returned to the old crossroads at Plum Grove and Schaumburg Roads to develop a new town center in the 1990s. Local shopping, a public library, public recreational facilities, the government center, and a bandstand now provide residents with a service core. Schaumburg is a town in Illinois with a population of 74,194. Schaumburg is in Cook County and is one of the best places to live in Illinois. Living in Schaumburg offers residents an urban suburban mix feel and most residents own their homes. In Schaumburg there are a lot of restaurants, coffee shops, and parks. Many families and young professionals live in Schaumburg and residents tend to lean liberal. The public schools in Schaumburg are highly rated. As a Chicagoland's mortgage lending company, we are able to meet with clients nearby: Addison | Bannockburn | Barrington | Bensenville Bloomingdale | Bridgeview | Glencoe | Chicago | Crystal Lake Deer Park | Deerfield | Evanston | Elmhurst and many other cities. < Back to all areas Connect with Your Loan Specialist Apply for a Loan Now Get Pre-Approved Read our Blog Mark Kelner Oct 25 Financing Integrating Environmental Sustainability in Mortgages Incorporating environmental sustainability in mortgage practices is a crucial step toward promoting a greener and more sustainable future. 2 Post not marked as liked Mark Kelner Oct 24 Business Building Long-Term Client Relationships for Referrals Building long-term client relationships is essential for generating referrals, as satisfied and loyal clients are more likely to recommend 2 Post not marked as liked Gabriel Huerta Oct 23 Lending The Pros and Cons of Adjustable-Rate Mortgages (ARMs) Adjustable-rate mortgages are a type of home loan where the interest rate fluctuates over time based on changes in a specified financial 1 Post not marked as liked

Incorporating environmental sustainability in mortgage practices is a crucial step toward promoting a greener and more sustainable future. Mortgage lenders can play a significant role in supporting environmentally friendly initiatives and empowering homeowners to make eco-conscious decisions. Here are some ways that mortgage practices can be aligned with environmental sustainability: Green Mortgage Incentives: Offer "Green Mortgages" that provide financial incentives for homebuyers to purchase energy-efficient and eco-friendly homes. These mortgages could include lower interest rates, reduced down payment requirements, or increased borrowing limits for properties with green certifications like LEED (Leadership in Energy and Environmental Design) or ENERGY STAR. Learn more about our Green Mortgage options here. Eco-friendly Home Evaluations: Encourage borrowers to assess the environmental impact of their prospective properties. This could involve collaborating with environmental organizations or providing resources to evaluate a home's energy efficiency, water usage, and carbon footprint. By educating borrowers about these factors, they can make more informed decisions about their purchases. Financing for Energy-Efficient Upgrades: Develop programs that enable borrowers to finance energy-efficient upgrades to their homes. This could include solar panel installations, energy-efficient windows, insulation improvements, and energy-efficient HVAC systems. These upgrades not only reduce the home's environmental impact but also lower utility bills, making the investment financially attractive. Green Building Initiatives: Support sustainable construction practices by partnering with builders and developers who prioritize environmentally friendly construction methods and materials. By offering favorable financing terms to such projects, lenders can promote sustainable building practices and contribute to the growth of green communities. Education and Outreach: Educate borrowers about sustainable homeownership and the benefits of environmentally friendly practices. This could include providing resources on water conservation, waste reduction, energy-saving tips, and information about local green initiatives. Empowering homeowners with knowledge can foster a culture of sustainability and encourage them to adopt green habits. Carbon Offset Options: Explore the possibility of incorporating carbon offset programs into mortgage offerings. Allow borrowers to offset a portion of their mortgage-related carbon emissions by contributing to verified carbon reduction projects or reforestation efforts. Green Appraisal and Valuation: Encourage appraisers to consider the environmental impact of a property during valuation. Homes with eco-friendly features and sustainable design should be given appropriate recognition and potentially higher appraisals. Collaboration with Green Organizations: Partner with environmental organizations and nonprofits to support sustainable initiatives. This collaboration can involve donations, community projects, or joint awareness campaigns. Internal Sustainability Efforts: Ensure that the mortgage company itself follows sustainable business practices. This could include implementing energy-efficient technologies, reducing paper waste, and promoting eco-friendly workplace policies. By incorporating environmental sustainability in mortgage practices, lenders can make a positive impact on the environment while also attracting eco-conscious borrowers who prioritize green initiatives. As more individuals and businesses commit to sustainable practices, we can collectively work towards a more sustainable and resilient future.

Building long-term client relationships is essential for generating referrals, as satisfied and loyal clients are more likely to recommend your services to others. Here are some strategies to cultivate strong relationships and encourage referrals: Deliver Outstanding Service: Providing exceptional service should be your top priority. Go above and beyond to meet your client's needs and expectations. By consistently delivering outstanding results, you'll create a positive impression that clients will be eager to share with others. Effective Communication: Keep the lines of communication open and transparent. Listen actively to your client's concerns, questions, and feedback. Promptly address any issues that arise and ensure your clients feel valued and heard throughout the process. Personalize the Experience: Treat each client as an individual with unique needs and preferences. Tailor your services to suit their specific requirements, and make them feel special by remembering important details about their lives or businesses. Regular Follow-Ups: Stay in touch with your clients even after the completion of a project. Regular follow-ups show that you care about their success and well-being. Send personalized emails, make courtesy calls, or schedule occasional meetings to discuss their ongoing needs. Provide Value: Offer valuable content and insights through newsletters, blog posts, or social media. By sharing relevant information and demonstrating your expertise, clients will see you as a trusted resource, increasing the likelihood of referrals. Loyalty Programs: Loyalty programs are an effective way to build long-term client relationships for referrals. To achieve this, understand your client's needs, offer personalized rewards for consistency, use tiered systems to encourage ongoing engagement, simplify enrollment, communicate through various channels, acknowledge special occasions, and incentivize referrals. Ask for Feedback: Request feedback from your clients about their experience working with you. Not only does this show that you value their opinions, but it also provides an opportunity to identify areas for improvement. Resolve Issues Promptly: If any problems arise, address them promptly and professionally. Handling issues with care and efficiency can turn a negative situation into a positive one and strengthen the client's trust in your abilities. Express Gratitude: Show appreciation for your client's business and referrals. A simple thank-you note or token of appreciation can go a long way in strengthening the bond and encouraging clients to recommend your services to others. Stay Top of Mind: Maintain regular contact with your clients through newsletters, holiday greetings, or updates about your business. By staying top of mind, clients are more likely to remember your services when they encounter someone in need of them. Network and Collaborate: Attend industry events, join professional associations, and network with other businesses. Collaborating with complementary service providers can lead to mutual referrals and expand your client base. Remember, building long-term client relationships for referrals is an ongoing process. It requires dedication, consistency, and a genuine desire to provide value and exceed expectations. Over time, these efforts will pay off, and your satisfied clients will become your best advocates, bringing in new business through word-of-mouth referrals.

Adjustable-rate mortgages (ARMs) are a type of home loan where the interest rate fluctuates over time based on changes in a specified financial index. Unlike fixed-rate mortgages, ARMs offer both advantages and disadvantages to borrowers. Here's a breakdown of the pros and cons: Pros of Adjustable-Rate Mortgages (ARMs): Lower initial rates: One of the main benefits of ARMs is that they often come with lower initial interest rates compared to fixed-rate mortgages. This can make homeownership more affordable in the early years, especially for those who plan to move or refinance before the rate adjusts. Rate adjustment periods: ARMs typically have predetermined rate adjustment periods, such as one, three, five, or seven years. During the initial fixed-rate period, borrowers can enjoy stability, knowing that their interest rate and monthly payments won't change. Short-term ownership: For those who don't plan to stay in their home for an extended period, an ARM can be a strategic choice. If you anticipate moving within a few years, the lower initial rate might save you money during your ownership. Refinancing opportunities: Some borrowers choose ARMs with the intention of refinancing before the rate adjusts. If interest rates have declined since taking out the mortgage or if the borrower's credit has improved, they may be able to secure a lower fixed rate through refinancing. Interest rate caps: ARMs often come with interest rate caps to protect borrowers from drastic rate increases. These caps limit how much the rate can rise during each adjustment period and over the life of the loan. Cons of Adjustable-Rate Mortgages (ARMs): Rate volatility: The most significant disadvantage of ARMs is the uncertainty of future interest rates. If the financial index on which the ARM is based increases, borrowers could experience higher monthly payments, potentially making it difficult to budget and plan for the future. Payment shock: When the rate adjusts, borrowers may experience payment shock if their monthly payments increase significantly. This sudden increase can lead to financial strain and make it challenging for some homeowners to keep up with their mortgage obligations. Refinancing risk: Economic conditions, creditworthiness, and other factors may impact a borrower's ability to refinance when the rate adjusts. If interest rates have risen, it might be challenging to secure a lower rate, leaving the borrower stuck with higher monthly payments. Longer-term ownership uncertainty: If homeowners end up staying in their homes longer than anticipated, the adjustable nature of the mortgage can lead to increased uncertainty about future payments, making long-term budgeting more difficult. Complexity: ARMs can be more complex than fixed-rate mortgages, with different rate adjustment periods, index calculations, and caps. Borrowers must thoroughly understand the terms and conditions of the ARM to make informed decisions about their financial future. In conclusion, Adjustable-Rate Mortgages can offer lower initial rates and short-term affordability, making them attractive to certain borrowers. However, the potential for rate volatility and payment shock, as well as the complexity involved, should be carefully considered before choosing an ARM. It is essential for borrowers to evaluate their financial situation, long-term plans, and risk tolerance to determine whether an ARM is the right fit for their homeownership needs. Contact One Republic Mortgage today to speak with our experienced professionals. Your financial future matters to us, and we're here to guide you every step of the way.