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The Shopper 4/12/2023

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Buying or Selling in Illinois or Indiana?

Call Janice 708-302-8585

Janice Minton-Kutz Licensed Indiana & Illinois

(708) 302-8585 Cell janice.mintonkutz@cbexchange.com

Celebrate the Cinco de Mayo Symphony style as the Northwest Indiana Symphony and conductor Kirk Muspratt present “Mariachi,” with 2 performances, Thursday, May 4; and Friday, May 5 all at 7:30 pm at the Auditorium at Living Hope Church. The concert will also feature Mariachi Acero de Las Vegas. “This is something I’ve wanted to program for years,” said Maestro Muspratt. “A Night of Latin music featuring Latin composers and a fabulous Mariachi group!” Award winning Mariachi Acero de Las Vegas, founded by East Chicago’s own Erik Ramirez, will perform with the Symphony on songs like Mi País, La Bikina, El Jinete, Como Han Pasado

Los Años, and Popurri Veracruzano. The Symphony will also perform pieces by Latin composers. Tickets for the concert range from $40 -$75 each and students are $10. GROUP SALES ARE AVAILABLE AT A DISCOUNT. Call the Symphony office at (219) 836-0525 or visit the website at www.NISOrchestra.org to order tickets for Mariachi! This concert is sponsored by Purdue University Northwest, John W. Anderson Foundation, WANISS, John Cicco’s Menswear, The Neff Family, Sue & Andy Arnold, Precision Control Systems, In memory of Dr. Henry & Jeanette Giragos, The Times Media Co., and Crown Point Community Foundation.

Personal Trainer to the Real Estate Consumer

It’s the Loan Officer, Not the Lender MIKE BUDER When people begin to think about financing a home, many will simply choose the institution they do their banking at while others will seek out referrals from family, co-workers and friends. Maybe the last go-round didn’t go so well and a new financing source is desired. Or, it’s a first time homebuyer situation who has never financed a home in the past. Whatever the scenario, going out to find a home loan needs to have a starting point. Getting a mortgage can be a very confusing process, although it doesn’t have to be. Mortgage loan officers do home loans every single day whereas most homeowners can end up counting how many times they’ve needed a mortgage on one hand. When getting quotes for a mortgage, there are so many different things to consider way beyond what type of mortgage is best. Do you want a shorter term or a longer term? A longer term will lower your monthly payments but you’ll end up paying much more in mortgage interest over the life of the loan. Paying less interest is what a shorter term addresses but the monthly payments are higher. What about the interest rate? 30 year? 15? 20? Closing costs? Discount points? All of these numbers are thrown at you and it’s very easy to get a bit discouraged or even think you’re being railroaded into getting a loan you really don’t want or need. Mortgage companies and banks spend a lot of money on marketing. It’s the mortgage company that seeks to make an impression. But here’s the kicker...mortgage companies and banks can spend jillions of dollars on ads but it’s the loan officer that handles the transaction.

A bad loan officer can cause all those ad dollars to fly out the window. Or, you can apply on-line with a major national lender and your application is farmed out to a centralized processing center two or three times zones away. Not your best option, in my opinion. You will want a face and a name of someone you can work with. Someone with a solid track record who’s been in the lending business for a long time and has a good reputation. Here’s where the referral process comes into significant play. When seeking referrals, don’t ask for some lenders. Instead, ask for some loan officers. Get two or three. Ask your Realtor for some names. Your agent should have a list of several loan officers that they have worked with in the past. When a Realtor gives you a referral, it’s because the track record is there. A loan officer whose name and/or business card is handed out has earned the trust from the agent to not just give you a solid loan program but will hand-walk the loan application from start to finish. You want an advisor whose fiduciary responsibility is to you…This is why it’s the loan officer that matters more than who the lender is. If you’re looking to buy or sell real estate call Mike Buder at RE/MAX 10 (708) 418-4444, E-mail: HYPERLINK “mailto:mikebuder@ remax.net”mikebuder@remax.net, Website: HYPERLINK “http://www.BuderHomes. com”www.BuderHomes.com or Facebook Friend request Mike Buder: your comments are always welcome. Mike Buder A local Christian Businessman

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HomeSmart Connect HomeSmart Conn HomeSmart Connect ect LICENSE: 475.102241

If your home is listed with another brokerage, this is not intended as a solicitation.

HomeSmart Connect LICENSE: 475.102241

Copyright ©2019 HomeSmart International, LLC. Each brokerage independently owned and operated. MLS ID# 10296730 All If your home is listed with another brokerage, this is not intended as a solicitation. ate of Illinois. Copyright ©2019 HomeSmart International, LLC. Each brokerage independently owned and operated. MLS ID# 10296730 All ate of Illinois.

www.dannysellssoho.com


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The Shopper 4/12/2023 by The Shopper - Issuu