Curt Biggs

Curt has been helping Individuals and families reach their personal and financial goals since 2002 and is an Illinois Licensed Mortgage Loan Officer (License # 031-0020504)
Representing Envision at the 2006 MDA Telethon on WGN

In my opinion, the best thing about the mortgage business is being able to make a positive difference in people’s lives.
I spent over 8 years working in social services for families with the State of Illinois. I really enjoyed helping people. However, I found that despite many positive changes, if tight budgets, debt, spending and credit issues weren't resolved, there was a continuing danger for the family with lots of stress that often drove the families apart. Parents working extra hours or even extra jobs meant too little time with the family. Too little time being a Mom and Dad. Too little time being a couple. I wanted to change that too!

I have helped 546 families (so far) buy homes or refinance their homes. Some were able to dig their way out of what had seemed an impossible predicament and overcame some bad habits in the process. Many times families returned their budgets to full health with a savings account, monthly savings on the house and the overall monthly budget. I've helped families straighten out the wrinkles in their financial and credit histories and get ahead, instead of just paying the bills. They can even “envision” a time that they can drop the 2nd job all together and spend more time with their families.

With a permanent shift in their relationship to money and debt, the improvements last a lifetime. They’ll save money on many major purchases because they now qualify for lower credit card rates, lower insurance rates and lower auto loan and mortgage rates. I really consider it the best part of the mortgage process!

Testimonials

Last year, around this time, I was coming out of a hole dug by 8 months of unemployment. I was not badly in debt, but enough, and looking to refinance. Somehow I met up with Curt Biggs online. He offered sound advice and encouraging words, however I had a friend who was a mortgage broker and went with loyalty. Through that friend, I acquired a 5 year ARM option loan that allowed me to pay interest only (the absolute minimum payment). After only one year of those payments, I began to feel as if I was merely renting my house. Plus, I had several home improvement needs crop up, as they always seem to do, at the same time. Since I was less than satisfied that my friend had actually looked out for my best interests, I once again contacted Curt.

He asked all necessary, pertinent questions, analyzed my situation, and came up with several viable options for me to research and examine. In addition, he also provided guidance on how to solve some of my home improvement issues. The more we communicated, the more confident I became. We closed a couple weeks ago.

I have been a single-mom-homeowner for over 12 years. It has never been easy, and likely may never be, but I can say that I feel really good about this transaction founded through Curt. He acted in a professional, informative, well educated, sincere manner. It is clear that Curt really enjoys his job because he truly believes that he is helping others. His sincerity is apparent and appreciated.

I believe that Curt guided me to the best decision for my situation, and it is now I'm back on track toward paying my house off, I have the cash I wanted for home improvement and Curt arranged for some cash that I will keep in savings.
He became a friend when I though he was just a mortgage guy; A great mortgage guy, but still...
I enthusiastically recommend Curt's services to my acquaintances, friends and family!

Sincerely, Mary Jo T.
July 9, 2007

We've worked with others in the past. They basically said here's the deal, take it or leave it. It was so nice that you let us know that we had options and to have them explained to us so we could compare our choices for our best short and long term benefit. The simple truth is, it really is simply smarter mortgage planning, just like you said!

We highly recommend your services for anyone who wants to know the whole picture right up front. You are some one who will take care of their needs and that's why we already have told several people at work and friends and family.

It was a pleasure meeting you and doing business with you.

Sincerely, R. & J. Thomas, Chicago
September 7, 2007

Success Story


Janice’s Story

• Situation
  Des Plaines home owner with no mortgage but an urgent need for $10,000 to repair the roof.
• Critical Issue
  Limited income, no savings and a low credit score which made it impossible to qualify for quick financing from the builder. Oh, and Christmas was only a few short weeks away too.
• Reason
  In addition to charging thousands in repairs for her 1989 Toyota over the last several years, she’d provided money to family even though it hurt her finances. “I’m the Mom,” she said.
• Capability
  In our initial conversation, her priority was getting the roof fixed but my chat with her drew out the whole story... Having put every one else’s needs before her own, now meant that she couldn’t help herself. The roof repairs had already haunted her for every day over 2 years wondering how much worse it was getting and might it just fall in one day? The car was only getting older. She’d already run her credit cards way up. She was even having to decide which bills to pay and which to skip from month to month. Choosing to skip some payments was, she knew, killing her credit score, but what other choice did she have? Finally, she had been horribly embarrassed that she’d needed anyone’s help to get out of this downward spiral she felt trapped in. After discussing her whole situation, she felt if she could just wave a magic wand, she’d pay for the roof repairs, pay off the credit cards and have a budget friendly payment.
• I Provided
  The right mortgage solution. A solution that solved more than just the immediate issues and established a good plan for the future.
• Result
  I created the right solution by listening to Janice and looking beyond her immediate need for the cash to repair the roof. The right solution enables a person to solve today’s issues and provides fuel to reach for tomorrow’s goals; while reasonable foresight and careful consideration will help to avoid costly pitfalls in the future.

1. pay off the credit cards - but keep the accounts open to benefit her credit score and for any possible emergency.
2. Buy a reliable new car - with a warranty (so she wouldn’t have to use credit cards to get repairs) paid in full, so no monthly payments.
3. Deposit a cash buffer into a savings account & start saving again.
4. Guidance to repair her credit as quickly as possible so that she would easily qualify for any type of credit in the future.
5. A payment that not only fit into her monthly budget but also left something to grow her savings every month.

I was able to empower her to break the downward spiral, to raise herself up and feel respectable again. By being careful and responsible all those years, she did this for herself, I just helped her cover the last few feet to the finish line.

Tell us how Curt has helped you to envision or achieve a better life. Please click here & drop us a note. Thanks!