Consider Token Gifts. Inexpensive but useful gifts can be great for both customers and employees. Whether you choose a branded insulated travel mug, writing instruments, or a tote bag, these simple yet practical gifts are cost-effective enough to give to everyone. For holiday gift giving in the Western suburbs contact Jim Frankiewicz at Proforma, jim.frankiewicz@proforma.com or in Willowbrook, 630-734-9911. Proforma Creative Impressions 6203 Lake Park Suite D • Willowbrook, IL 60527 630-734-9911 Office • 630-415-6757 Cell • 630-974-6199 Fax www.jim.frankiewicz@proforma.com
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We currently have a 7th grader at Trinity who comes to school late every day. Nathan Dahms is registered at Hinsdale South High School as he takes an 8 am Honors Algebra (10th grade) class and arrives at 9 am for the remainder of his classes at Trinity! We are so very proud of Nathan! Aaron Landgrave October 2, 2013 The United States Government has shut down as of October 1, as Congress could not agree on a budget. As a result, hundreds of thousands of government employees have been furloughed. Below is a summary of how the shutdown may affect you and your mortgage purchase or refinance. Rural Housing • Rural Housing will not issue Loan Note Guarantees during the shutdown nor will they issue new commitments. • Rural Housing will not operate GUS, its automated underwriting system, during any shutdown. • Due to the inability to obtain Loan Note Guarantees, 1st Advantage will be unable to close an Rural Housing loan that does not already have a Loan Note Guarantee in the file. • We advise against taking further Rural Housing applications on purchases until the government shutdown situation is resolved. IRS • The IRS 4506T requests for tax transcripts will not be fulfilled. Processing will continue to send the request to our transcript provider but the request will not be fulfilled until the government shutdown situation is resolved. • Most of our investors require that tax transcripts are contained in the loan file in order to sell the loan. Please be advised that no loan can close without transcripts if the loan has been priced to an investor that requires them. • Alternatives for files without transcripts are postponing the closing until transcripts are available or re-pricing the loan to an investor/ agency that allows delivery without them. • It has been a company policy to have tax transcripts on all files. An exception to this policy might be possible if the agency permits delivery without transcripts. In some cases, certain loan files that are difficult to ascertain or validate income, may still require transcripts before the loan can close. Social Security • The Social Security Administration will not be available to validate social security numbers. In cases where a discrepancy is identified, such as a credit report or Fraud Guard flag, please contact escalate to the underwriting manager to determine if alternate validation is available. • There can also be issues with the ability to validation of Social Security income. If the loan file does not contain acceptable documentation, be advised that the SSA will not be available to provide any additional documentation until the government shutdown situation is resolved. FHA • FHA Lender Insurance will be available as long as there is commitment mauthority. • CAIVRS functionality will be available • FHA Connection will be available • Lenders will be able to obtain case numbers • Total Scorecard will be available • Upfront MIP payment will be available. VA • VA will be open for business as usual during the shutdown. Fannie Mae and Freddie Mac • Fannie Mae and Freddie Mac will be open for business as usual during the shutdown. Linus Schwemer Senior Loan Officer 901 Warrenville Rd. Suite 400 Lisle, IL 60532 NMLS #191784 - 1st Advantage Mortgage NMLS #2551 1st Advantage Mortgage, a Draper and Kramer company 630-376-0477 (Phone) 630-261-2209 (Fax) 630-638-5702 (Cell) linus.schwemer@1amllc.com www.linusschwemer.com "Mike Giliano with Prudential Rubloff was my Real Estate agent on the sale of our home in Lemont. He did an outstanding job with being present at all the 22 showings which I believe had an impact on the home selling in 28days!!! The marketing was excellent, from start to finish everything was perfect! Thanks Mike."
Debbie Jackson CoolerSmart National Sales Manager 145 Tower Drive Unit 10, Burr Ridge, IL 50527 P.1888-826-6537 C. 1-708-278-6071 djackson@coolersmart.com www.coolersmart.com "Had my closing today on the home I sold in Lemont, it went super smooth; Leroy Hansen did a great job with preparing all the documents in a clear way so there were NO issues. We will be using him again when we close on our new Townhouse in February. Thanks Leroy!"
Debbie Jackson National Sales Manager 145 Tower Drive Unit 10, Burr Ridge, IL 50527 P.1888-826-6537 C. 1-708-278-6071 djackson@coolersmart.com www.coolersmart.com "Lisl: I just wanted to commend you on a great presentation to make our websites more effective! Your discussion was most informative and very timely as most businesses today are trying to maximize the effectiveness of the their websites."
Frank Pyrcik Project Manager / Designer / Kitchen & Bath Remodeling Division Stephens Plumbing & Heating, Inc. Downers Grove, IL |
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