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< Back ORM Notebook Share How to navigate the competitive Chicago housing market Mark Kelner About author As a mortgage professional, I understand the significance of homeownership and take pride in being a reliable partner for my clients throughout their home buying journey. May 2, 2023 If you are looking for a new home in Chicago, you might be feeling overwhelmed by the competitive and fast-paced housing market. Chicago is a vibrant and diverse city with many neighborhoods to choose from, each with its charm and character. But finding your dream home can be challenging, especially if you are not familiar with the local market conditions, the mortgage process, or the legal aspects of buying a property. That's why you need a trusted and experienced partner to guide you through every step of your home-buying journey. One Republic Mortgage is a local company that has been serving the Chicago area for over 10 years. We have helped thousands of clients find their perfect homes and secure the best financing options for their needs. We specialize in helping clients find their dream homes in the most sought-after neighborhoods, including Niles, Chicago, Evanston, Glenview, Palatine, Wheeling, Arlington Heights, Winnetka, Wilmette, Deerfield, Long Grove, Schaumburg, Des Plaines, Buffalo Grove, Northbrook, Highland Park, and Glencoe. One Republic Mortgage offers a variety of services to help you navigate the competitive Chicago housing market, such as: - Pre-approval: We can help you get pre-approved for a mortgage loan in minutes, so you can show sellers that you are a serious and qualified buyer. Pre-approval also gives you an advantage over other buyers who may not have their financing ready. - Home Search: We can help you find the right home for your budget, lifestyle, and preferences. We have access to the latest listings and market data, and we can provide you with expert advice on the best neighborhoods, schools, amenities, and trends in Chicago. - Negotiation: We can help you negotiate the best price and terms for your home purchase. We have the skills and experience to handle multiple offers, contingencies, inspections, appraisals, and closing costs. We will protect your interests and ensure that you get the best deal possible. - Closing: We can help you close your home quickly and smoothly. We will coordinate with all the parties involved, such as the seller, the title company, the attorney, and the lender. We will also handle all the paperwork and documentation required for your transaction. One Republic Mortgage is more than just a mortgage company. We are your one-stop shop for all your home-buying needs. We are committed to providing you with personalized service, professional guidance, and competitive rates. We are here to make your home-buying experience easy and enjoyable. If you are ready to start your home-buying journey in Chicago, contact us today. We would love to hear from you and help you achieve your homeownership goals. Contact us Illinois mortgage, One Republic Mortgage, Buying a Home, Mortgage Services Tags: < Back < Previous Next > Related Articles Gabriel Huerta Navigating Mortgage Loan Modifications and Alternatives Read more Oct 26, 2023 Mark Kelner Integrating Environmental Sustainability in Mortgages Read more Oct 25, 2023 Mark Kelner Building Long-Term Client Relationships for Referrals Read more Oct 24, 2023

Refi Options Refi Options Often people refinance to reduce their interest rate, cut monthly payments, or tap into their home’s equity. Some homeowners refinance to pay off the loan faster, get rid of mortgage insurance, or switch from an adjustable rate to a fixed-rate loan. Conventional FHA / VA Jumbo Cash Out Conventional Refinance Refinancing is a process in which an existing mortgage is replaced with a new one, often to achieve various financial goals. One of the most flexible refinancing options available is the conventional loan. This type of mortgage can be used for primary residences, second homes, and investment rental properties. ​ Common Goals Achieved Through Conventional Refinancing: ​ Shortening the Loan Term: You can choose a 25, 20, 15, or even 10-year repayment schedule to replace a 30-year mortgage, reducing the total interest paid over time. Switching to a Fixed-Rate Loan: Converting from an adjustable-rate mortgage (ARM) to a fixed-rate loan provides a predictable monthly payment for better budgeting. Lowering the Interest Rate: Refinancing into a lower interest rate can reduce your monthly mortgage payment, saving you money over the life of the loan. Eliminating Private Mortgage Insurance (PMI): As your home's equity grows, you may be able to remove PMI, further reducing your monthly expenses. Accessing Home Equity: A cash-out refinance allows you to tap into your property's equity for home improvements, debt consolidation, or other financial needs. Ready to Explore Your Conventional Refinancing Options? At One Republic Mortgage, we specialize in tailoring mortgage solutions to meet your unique needs. Whether you're looking to shorten your loan term, secure a fixed-rate loan, or access your home's equity, our experienced team is here to guide you through the process. ​ Contact us today to discuss your specific goals, receive a personalized rate quote, and explore the best conventional refinancing option for you. Let us help you achieve your financial objectives and save on your mortgage. ​ Your journey to a more cost-effective mortgage starts here with One Republic Mortgage. Connect with Your Loan Specialist

< Back ORM Notebook Share Navigating Mortgage Loan Modifications and Alternatives Gabriel Huerta About author Recognize the ability to exceed sales goals, drive profits, prevent loss, and ensure customer satisfaction. Excellent communicator and innovative problem solver Oct 26, 2023 Navigating mortgage modifications and alternatives is complex but essential when struggling with mortgage payments due to financial challenges, income changes, or other circumstances. This article explores mortgage loan modifications and available alternatives. Mortgage Loan Modification: A loan modification alters your current mortgage terms to enhance affordability and prevent foreclosure, often by reducing the interest rate, extending the loan term, or reducing the principal balance. To apply, you usually must prove financial hardship with supporting documents, like income and expense proof and a hardship letter. Your lender will review your application and may create a modified loan agreement aligned with your financial situation. Forbearance Agreement: Forbearance temporarily reduces or suspends mortgage payments during financial hardships like job loss or a medical emergency. After the forbearance period, you must repay the missed payments, which can be done through a lump sum, a repayment plan, or by extending the loan term. Understanding the terms of the forbearance agreement is essential to avoid unexpected surprises. Refinancing: With good credit and home equity, refinancing can be an option. It replaces your current mortgage with a new one featuring better terms or a lower interest rate, potentially lowering monthly payments and saving you money. Yet, missed payments or a significant credit score decline can make refinancing challenging. Partial Claim: FHA-insured loan holders can use the FHA's partial claim option. If you've missed payments but can now afford to catch up, the FHA offers a one-time interest-free loan to cover the past-due amount, helping you bring your mortgage up to date without immediate full repayment. Sell the Property: If you are unable to sustain homeownership, you may consider selling the property before foreclosure becomes inevitable. Selling the property can help you pay off the mortgage and possibly walk away with some equity, depending on the property's value and the amount owed. Deed in Lieu of Foreclosure: A deed in lieu of foreclosure is an arrangement where you voluntarily transfer ownership of the property to the lender to avoid foreclosure. This option can be pursued if you cannot afford the mortgage, have been unsuccessful in selling the property, and have explored other alternatives. Short Sale: A short sale is an option where the lender agrees to accept less than the full amount owed on the mortgage when you sell the property. This can be an alternative to foreclosure if you are underwater on your mortgage (meaning you owe more than the property is worth) and have difficulty making the payments. Additional Points to Consider Credit Implications : Some of these options can have implications for a homeowner's credit score. It's important to understand how these alternatives may affect your credit and how to minimize the impact if possible. Eligibility Criteria : Each of the mentioned options has specific eligibility requirements. Before pursuing any of these alternatives, consider whether you meet the criteria for each option. Documentation : Thorough documentation is essential throughout the process. It can be invaluable when demonstrating financial hardship or eligibility for specific programs. Timing: Prompt action is critical when facing financial hardship. Delaying communication with the lender can limit your available options. Local Resources : Explore local resources, including housing counselors and non-profit organizations, that may offer additional assistance. Tax Implications : Be aware that some options may have tax implications, particularly related to loan modifications or debt forgiveness. Consult with a tax professional for guidance. Legal Consultation : For more complex cases, consider consulting with a real estate attorney. Legal advice can be invaluable when navigating mortgage alternatives. Remember, every situation is different, and there is no one-size-fits-all solution. Be cautious of potential scams or predatory practices targeting distressed homeowners, and always research and verify the legitimacy of any offers or assistance you receive. Contact us Illinois mortgage, One Republic Mortgage, Florida Mortgage, Mortgage Services Tags: < Back < Previous Next > Related Articles Gabriel Huerta Navigating Mortgage Loan Modifications and Alternatives Read more Oct 26, 2023 Mark Kelner Integrating Environmental Sustainability in Mortgages Read more Oct 25, 2023 Mark Kelner Building Long-Term Client Relationships for Referrals Read more Oct 24, 2023

ORM Notebook Welcome to our company's ORM Notebook, presenting captivating articles about Chicago's thriving real estate market, with a specific focus on the Northwest Suburbs and Northshore regions. Explore insightful content on financial options and more. Select Tags 0 items found Navigating Mortgage Loan Modifications and Alternatives Gabriel Huerta Read More Oct 26, 2023 Integrating Environmental Sustainability in Mortgages Mark Kelner Read More Oct 25, 2023 Building Long-Term Client Relationships for Referrals Mark Kelner Read More Oct 24, 2023 The Pros and Cons of Adjustable-Rate Mortgages (ARMs) Gabriel Huerta Read More Oct 23, 2023 The Impact of Inflation on Mortgage Borrowers Barry Jilin Read More Oct 20, 2023 Addressing Housing Affordability: Solutions and Challenges Barry Jilin Read More Oct 19, 2023 The Crucial Role of Real Estate Agents in Mortgages Mark Kelner Read More Oct 18, 2023 Best Practices for Mortgage Professionals Working from Home Mark Kelner Read More Oct 17, 2023 Utilizing Big Data in Mortgage Underwriting Gabriel Huerta Read More Oct 16, 2023 The Rise of Private Mortgage Insurance (PMI) Mark Kelner Read More Oct 13, 2023 Exploring Mortgage Options for Self-Employed Borrowers Gabriel Huerta Read More Oct 12, 2023 The Importance of Diversity and Inclusion in Mortgage Lending Barry Jilin Read More Oct 11, 2023 A Guide to Mortgage Refinancing for Borrowers Gabriel Huerta Read More Oct 10, 2023 Attracting Millennial Homebuyers: Marketing and Strategies Mark Kelner Read More Oct 9, 2023 Understanding Mortgage Forbearance and Its Implications Gabriel Huerta Read More Oct 6, 2023 The Evolution of Remote Mortgage Closings Barry Jilin Read More Oct 5, 2023 Show more

About Us Why ORM Our History Why We're Different Career Opportunities Why ORM One Republic Mortgage (ORM) is your trusted partner for all your mortgage loan needs in Illinois and Florida. With a deep commitment to excellence, ORM offers a unique blend of expertise, personalized service, and competitive rates. Our experienced team understands the complexities of the mortgage market and is dedicated to simplifying the process for you. We go the extra mile to tailor solutions that match your financial goals and ensure a seamless experience from application to closing. At ORM, we prioritize transparency, communication, and your financial well-being. When you choose ORM, you're choosing a partner you can rely on for a smooth and successful mortgage journey. Discover the ORM difference today. Our Commitment In today's mortgage industry, we understand that navigating through various offers and advertisements can be overwhelming. At One Republic Mortgage, our priority is to provide you with clear and honest information. While some companies may make promises, we believe in the importance of thorough due diligence. We know that the true terms and conditions can only be determined once all necessary assessments have been completed. Our commitment is to guide you through this process transparently, ensuring that you have all the information you need to make informed decisions about your mortgage. We stand by our word and you can be confident that at ORM, your satisfaction is our primary goal. ​ ​ ​ Service Areas

< Back ORM Notebook Share Efficient Home Decluttering and Moving Preparation in Chicagoland Eleanor Kelner About author ORM Corporate Consultant Jul 12, 2023 Preparing for a move can be a daunting task, especially when it comes to decluttering your home. However, with a well-planned approach, you can streamline the process and make it more manageable. Here are some essential tips to help you declutter and prepare for a move in Chicagoland: Start early: Begin the decluttering process as soon as you know you're moving. Sorting through years of accumulated belongings takes time, so give yourself ample opportunity to go through each room, closet, and storage space. Create a Plan: Develop a strategy for decluttering your home. Decide on the order in which you'll tackle each room or area, and set realistic goals for each session. Breaking down the process into smaller tasks makes it more manageable and less overwhelming. Sort and categorize: Create categories for your belongings, such as keep, donate/sell, and discard. Assess each item and determine its value, usefulness, and sentimental attachment. Be honest with yourself and avoid holding onto items you no longer need or love. Donate or Sell Unwanted Items: Consider donating usable items to local charities or organizing a yard sale to sell items that still have value. Chicagoland has numerous organizations and thrift stores that accept donations and can help you find new homes for your unwanted belongings. Dispose of Unusable Items: Properly dispose of items that are broken, damaged, or beyond repair. Check local guidelines for recycling or disposing of specific items, such as electronics or hazardous materials. Organize Important Documents: As you declutter, gather and organize important documents, such as passports, birth certificates, financial records, and legal paperwork. Keep them in a secure and easily accessible place during the move. Optimize Storage Solutions: If you're downsizing or have limited space in your new home, consider investing in smart storage solutions. This can include utilizing under-bed storage, maximizing closet space with organizers, or installing shelves to make the most of vertical space. Pack strategically: When packing, use a systematic approach. Start with items you won't need immediately and label each box with its contents and the room it belongs to. This will make unpacking and organizing your new home much easier. Notify Utilities and Change Address: Before moving, inform utility companies of your move-out date and arrange for services to be disconnected or transferred to your new address. Notify the post office, banks, insurance providers, and other relevant parties of your change of address. Seek Professional Help: If the decluttering and moving process feels overwhelming, consider hiring professional organizers or movers. They can provide guidance and assistance and streamline the entire process, making your move to Chicagoland smoother and more efficient. Remember, decluttering and preparing for a move is an opportunity to start fresh and create a more organized living space in your new home. By taking the time to declutter and streamline your belongings, you can enjoy a more seamless transition and a clutter-free environment in your new Chicagoland residence. Contact us Choose best Chicagoland area, City of Chicago, Northshore Suburbs, Northwest Suburbs, One Republic Mortgage Tags: < Back < Previous Next > Related Articles Gabriel Huerta Navigating Mortgage Loan Modifications and Alternatives Read more Oct 26, 2023 Mark Kelner Integrating Environmental Sustainability in Mortgages Read more Oct 25, 2023 Mark Kelner The Crucial Role of Real Estate Agents in Mortgages Read more Oct 18, 2023

< Back ORM Notebook Share The Latest Real Estate Trends in Schaumburg, IL Mark Kelner About author As a mortgage professional, I understand the significance of homeownership and take pride in being a reliable partner for my clients throughout their home buying journey. Jun 20, 2023 Schaumburg, Illinois, is a vibrant suburb located northwest of Chicago. As a desirable residential area, it's important to stay informed about the latest real estate trends in Schaumburg. Here are some insights into the current state of the real estate market in this suburb: Home Prices: Schaumburg has seen a steady increase in home prices over the past few years. As of the latest data, the median home price in Schaumburg is around $300,000. However, it's worth noting that home prices can vary depending on factors such as location, property size, condition, and amenities. Inventory Levels: Schaumburg currently experiences a competitive real estate market with limited inventory. The number of homes available for sale may fluctuate, but overall, there is often a demand that exceeds the supply. This can result in a seller's market, where sellers have the advantage due to high buyer demand. Buyer/Seller Activity: Schaumburg attracts a mix of buyers, including young professionals, families, and empty nesters. The area's proximity to major highways, employment centers, and amenities makes it an appealing choice for many. As a result, buyer activity remains relatively high. Sellers can take advantage of this demand, but it's important to price homes competitively and ensure they are in good condition to attract buyers. Housing Types: Schaumburg offers a variety of housing options to suit different needs. You can find single-family homes, townhouses, condominiums, and apartments. This diversity caters to various budgets and lifestyles, providing options for both homeowners and renters. Amenities and location: Schaumburg is known for its excellent amenities and convenient location. It features shopping centers like Woodfield Mall, which is one of the largest malls in the United States, along with numerous dining options, parks, and recreational facilities. The suburb also boasts highly-rated schools, making it an attractive choice for families. Transportation: Schaumburg benefits from easy access to major highways, including I-90, I-290, and Route 53. This makes commuting to downtown Chicago or other suburbs convenient for residents. Additionally, the area has a well-developed public transportation system, including the Schaumburg Metra Station, which provides commuter rail service. Real Estate Market Outlook: The real estate market in Schaumburg is expected to remain strong in the foreseeable future. The combination of a desirable location, diverse housing options, and a robust local economy contributes to the stability of the market. However, it's important to stay updated on market conditions, as they can change over time. When considering buying or selling a property in Schaumburg, it's advisable to work with a local real estate agent who has knowledge and experience in the area. They can provide valuable insights, guide you through the process, and help you make informed decisions. Overall, Schaumburg offers a thriving real estate market with attractive housing options and desirable amenities. By staying informed about the latest trends and working with a trusted professional, you can navigate the market with confidence and find the right property that meets your needs in this dynamic suburb. READ MORE ABOUT SCHAUMBURG > Contact us Buying a Home, One Republic Mortgage, Northwest Suburbs Tags: < Back < Previous Next > Related Articles Gabriel Huerta Navigating Mortgage Loan Modifications and Alternatives Read more Oct 26, 2023 Mark Kelner Integrating Environmental Sustainability in Mortgages Read more Oct 25, 2023 Gabriel Huerta The Pros and Cons of Adjustable-Rate Mortgages (ARMs) Read more Oct 23, 2023

Service Area Des Plaines < Back to all areas About Des Plaines 0 Population 60,675 Median Household Income $65,806 Median Home Value $256,700 $1,144 Median Rent Des Plaines is a city in Cook County, Illinois, United States. Per the 2020 census, the population was 60,675. The city is a suburb of Chicago and is located just north of O'Hare International Airport. It is situated on and is named after the Des Plaines River, which runs through the city just east of its downtown area. The median income for a household in the city was $53,638, and the median income for a family was $65,806. Males had a median income of $42,241 versus $30,885 for females. The per capita income for the city was $24,146. About 3.0% of families and 4.6% of the population were below the poverty line, including 4.8% of those under age 18 and 4.8% of those age 65 or over. A notable number of Cook County residents reside in unincorporated areas which use a Des Plaines zip code. These areas are densely populated and consist primarily of high density, multi-family housing with a very high percentage of foreign-born residents. https://en.wikipedia.org/wiki/Des_Plaines,_Illinois One Republic Mortgage in Des Plaines, Illinois One Republic Mortgage, an Illinois lender and longtime servicer of Des Plaines, 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 The strength of our local school system means your kids can get the kind of education they need to prepare them for their next move in life. And the availability of community college courses means that, no matter what your age, you’ll have the opportunity to take your knowledge to the next level. https://www.desplaines.org/explore-our-city/education Shopping Downtown Des Plaines offers on-the-go dining when you visit your favorite food truck. Pick up some corn tortilla tacos with freshly made pico with a fresh squeeze of lemon to give your day a boost. Food trucks can offer a wide variety of niche ethnic blends. Things To Do in Des Plaines The City of Des Plaines invites you to visit our new (old) downtown theatre! Check out a live performance and dine, drink and dance all under one roof! Our downtown has plenty of free parking and easy access from the Metra train station. We know you will love this beautifully renovated historic venue as much as we do! Visit www.desplainestheatre.com In Des Plaines, you can enjoy outstanding leisure and recreational activities, including fishing, sailing, boating, canoeing and kayaking, miles of walking and biking trails, family aquatic centers, state-of-the-art fitness centers, 18-hole golf courses, horseback riding trails and more! Connect with these resources to discover and enjoy Des Plaines! • Des Plaines Bike Routes Map • There are three different park districts that serve Des Plaines (depending on where you live): Des Plaines Park District, Elk Grove Park District and the Mount Prospect Park District. Find out what park district you belong to by your address here. Dining Besides the fresh air and dazzling scenes, this Chicago suburb is home to beautiful restaurants offering different cuisines, from classic American to refreshing Italian and Greek. Whether it's an afternoon snack, a hot cup of coffee or a relaxing meal with friends or family, take a break to recharge, refuel and indulge in a variety of dining options. https://www.opentable.com/il/Des Plaines-restaurants Des Plaines Farmers’ Market Sam's Farmers Market can be found in Des Plaines. You will find various types of food products such as meat, dairy products, poultry, fish, produce, deli products, freshly baked breads, alcohols and various kinds of vegetables and fruits. We guarantee that our products are of the best quality. Remember, we do not want to disappoint you. Customers are most important to us. Healthcare and Hospitals Des Plaines 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. Hospitals in or near Des Plaines, IL: Advocate Lutheran Gen Hospital, St. Alexius Medical Center, Schwab Rehabilitation Hospital-Mary Campus, Elgin Mental Health and more. Transportation In Des Plaines, we've got access to planes, trains, buses, an impressive highway network and miles and miles of bicycle and walking trails. And, Chicago is a short 30 minute train ride-great for commuters or those looking to enjoy a day or evening in the Second City. Des Plaines has convenient access to the interstate road system, including the Elgin-O'Hare Expressway (IL-390), Interstate 90 and Interstate 294 Tri-State Tollway. 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. In Des Plaines there are a lot of restaurants, coffee shops, and parks. Many young professionals and retirees live in Des Plaines and residents tend to have moderate political views. The public schools in Des Plaines 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, 2023 Financing Integrating Environmental Sustainability in Mortgages Incorporating environmental sustainability in mortgage practices is a crucial step toward promoting a greener and more sustainable future. 13 Post not marked as liked Mark Kelner Oct 24, 2023 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 17 Post not marked as liked Gabriel Huerta Oct 23, 2023 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 13 Post not marked as liked

< Back ORM Notebook Share The Latest Real Estate Trends in Illinois Northwest Suburbs. Barry Jilin About author Highly accomplished, results-proven financial transactions professional with 18 years of experience elevating company performance by capturing new business opportunities and minimizing risk. May 11, 2023 Illinois' Northwest suburbs have been experiencing some interesting trends in the real estate market recently. Here are some insights into the current state of the market in this area. Home prices in the Northwest suburbs of Illinois have been steadily increasing over the past few years. According to data from Zillow, the median home value in the region was around $365,000 as of April 2023, which represents an increase of around 8.5% over the past year. This growth has been driven by a combination of low inventory levels, strong buyer demand, and a healthy economy in the area. Inventory levels in the Northwest suburbs have been tight, which has put pressure on home prices. There were only around 2,500 homes listed for sale in the area as of April 2023, which represents a decrease of around 20% compared to the same time last year. This means that there are more buyers than there are homes for sale, which has created a competitive market where multiple offers are common. Buyer activity in the Northwest suburbs has remained strong despite the competitive market. Many buyers are attracted to the area because of its strong schools, family-friendly communities, and proximity to the city of Chicago. Some buyers are also looking for more space and privacy in the wake of the COVID-19 pandemic, which has driven demand for larger homes with home offices and outdoor spaces. Seller activity in the Northwest suburbs has been relatively low due to the competitive nature of the market. Some sellers may be hesitant to list their homes because they are concerned about finding a new home to move into or being able to afford a new home in the current market. However, many sellers are still able to receive multiple offers and sell their homes quickly, often above the asking price. Overall, the real estate market in the Northwest suburbs of Illinois is strong and competitive. Home prices are increasing due to low inventory levels and high buyer demand, making it a great time to sell a home in the area. However, buyers should be prepared for a competitive market where multiple offers are common. Limited New Construction: While there is still some new construction happening in the area, the number of new homes being built is limited due to the scarcity of available land. As a result, many buyers are looking to purchase existing homes rather than wait for new construction to be completed. Strong Demand for Single-Family Homes: Single-family homes remain the most popular type of property in the Northwest suburbs. This is due in part to the pandemic, which has caused many buyers to prioritize homes with more space and outdoor areas. Condos and townhomes have seen less demand, although there is still a market for these properties among certain buyers. Suburban Migration: The pandemic has also caused a trend of suburban migration, as more people are looking to move out of urban areas in search of more space and affordability. This trend has benefited the Northwest suburbs, which are known for their family-friendly communities, good schools, and access to amenities. Competitive Bidding: With inventory levels low and demand high, many homes are receiving multiple offers, which can drive up prices and create a competitive bidding environment. This can be challenging for buyers, who may need to act quickly and make strong offers to secure the home they want. Interest Rates Remain Low: One factor that is driving the strong demand for homes in the Northwest suburbs is the low-interest rate environment. Interest rates remain historically low, which makes homes more affordable for buyers and can help offset some of the upward pressure on prices. Overall, the real estate market in the Northwest suburbs of Illinois is characterized by high demand, low inventory, and a competitive bidding environment. While this can be challenging for buyers, it is a good time for sellers to consider listing their homes and taking advantage of the strong market conditions. One Republic Mortgage is committed to providing our clients with exceptional customer service, and we pride ourselves on our accessibility and responsiveness. We understand that buying a home is a significant financial investment, and we are here to help you navigate the process with confidence. Finally, it's essential to work with a mortgage solution provider that you can trust. At One Republic Mortgage, we have built our reputation on providing our clients with trusted mortgage solutions that meet their unique needs. We are committed to transparency, integrity, and honesty, and we believe that these values set us apart from other mortgage companies in the Illinois Northwest Suburbs. In conclusion, the Illinois Northwest Suburbs offer many attractive options for homebuyers, from suburban living to excellent schools. By partnering with us, you can find the best possible financing for your dream home and navigate the home-buying process with confidence. To get started, visit our website ( www.onerepublicinc.com ) to get pre-approved or apply for a loan today. Contact us Illinois mortgage, Chicago mortgage, One Republic Mortgage Tags: < Back < Previous Next > Related Articles Gabriel Huerta Navigating Mortgage Loan Modifications and Alternatives Read more Oct 26, 2023 Mark Kelner Integrating Environmental Sustainability in Mortgages Read more Oct 25, 2023 Gabriel Huerta The Pros and Cons of Adjustable-Rate Mortgages (ARMs) Read more Oct 23, 2023

Service Area Wheeling < Back to all areas About Wheeling 0 Population 39,137 Median Household Income $68,615 Median Home Value $198,700 $1,265 Median Rent Wheeling is a village in Cook and Lake counties in the U.S. state of Illinois. A suburb of Chicago, it is primarily in Cook County, approximately 23 mi northwest of downtown Chicago. Per the 2020 census, the population was 39,137. en.wikipedia.org Wheeling, Illinois - Wikipedia One Republic Mortgage in Wheeling, Illinois One Republic Mortgage, an Illinois lender and longtime servicer of Wheeling, 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. Education National Louis University is an accredited, private, non-profit undergraduate and graduate institution of higher learning, organized in colleges of education, arts and sciences, and business and management. Worsham College of Mortuary Science is an accredited, private institution offering associate degrees and diplomas in mortuary science. William Rainey Harper College, based in Palatine, is the community college serving Wheeling. The Consulate-General of South Korea in Chicago maintains the Korean Education Center in Wheeling. Students can also attend one of many private schools in town or in the area. Things To Do in Wheeling Wheeling is served by the Indian Trails Public Library District and Prospect Heights Public Library District. The Korean Cultural Center of Chicago has several key purposes, including preserving and exhibiting the history of Korean immigrants, hosting Korean events and lectures and sharing Korean heritage, among others. Open early June through Labor Day weekend, this pool complex in Heritage Park is a must for families. Open early June through Labor Day weekend, this pool complex in Heritage Park is a must for families. One of the benefits of having Chicago Executive Airport so close is the presence of companies like Windy City Aviation. This flight school provides a range of services, including training for existing pilots who need to keep their knowledge base and skills current and sharp. Dining As a regional hub for shopping, Wheeling is also home to many local, regional, and national restaurant chains. For travelers and locals just looking for a place to eat, Wheeling offers plenty of reasonable options in a wide range of cuisines. https://www.opentable.com/il/wheeling-restaurants Transportation Wheeling has a station on Metra's North Central Service, which provides daily commuter rail service between Antioch and Chicago Union Station Monday through Friday. Chicago Executive Airport, a busy general aviation airport, is located in Wheeling and Prospect Heights and jointly run by both villages. Formerly known as Palwaukee Municipal Airport, it is the third busiest airport in Illinois, after Chicago's O'Hare and Midway airports. https://en.wikipedia.org/wiki/Wheeling,_Illinois The Village of Wheeling, IL offers diversified lifestyles with a family atmosphere. Located in northwestern Cook County, Wheeling’s favorable position in the Chicago Metropolitan area is very attractive to suburban dwellers and businesses alike. Living in Wheeling offers residents an urban suburban mix feel and most residents own their homes. In Wheeling there are a lot of restaurants, coffee shops, and parks. Many families and young professionals live in Wheeling and residents tend to lean liberal. The public schools in Wheeling 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, 2023 Financing Integrating Environmental Sustainability in Mortgages Incorporating environmental sustainability in mortgage practices is a crucial step toward promoting a greener and more sustainable future. 13 Post not marked as liked Mark Kelner Oct 24, 2023 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 17 Post not marked as liked Gabriel Huerta Oct 23, 2023 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 13 Post not marked as liked

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, 2023 Financing Integrating Environmental Sustainability in Mortgages Incorporating environmental sustainability in mortgage practices is a crucial step toward promoting a greener and more sustainable future. 13 Post not marked as liked Mark Kelner Oct 24, 2023 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 17 Post not marked as liked Gabriel Huerta Oct 23, 2023 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 13 Post not marked as liked

Our Leadership Team Building upon the strength of individual talents, knowledge, expertise, and caring is the basis of true success and defines what we do at One Republic Mortgage. We are privileged to lead a team of highly motivated, skilled, and collaborative Loan Officers and Associates who are truly the finest people in the mortgage industry. NMLS# 269971 Send email Barry Jilin President Highly accomplished, results-proven financial transactions professional with 18 years of experience elevating company performance by capturing new business opportunities and minimizing risk. Adept at managing assets and overseeing P & L, including budgets and loans. Proficient in forging and fostering strong, lasting relationships with clients, account executives, and key corporate decision-makers, managing teams, and closing deals. Strong financial, analytical, and operational expertise across multiple channels with a proven track record of achieving business objectives and leading transformations. Proven success in building, managing, and scaling teams, solving complex problems, and creating value from idea through execution. Send email Vice-President of Sales A results-oriented achiever with the courage to successfully tackle the most challenging business situations. Sets goals that serve ORM business objectives and usually focus on turning prospective customers into long-term clients, increasing sales velocity by using advanced technology and customer support. His sales department is a reflection of our company’s culture, professionalism, and development stage. Gabriel is responsible for coaching and retaining top talents, providing an outstanding employee experience that drives business outcomes. Recognize the ability for exceeding sales goals, drive profits, prevent loss, and ensuring customer satisfaction. Excellent communicator and innovative problem solver. Gabriel Huerta Gabriel