Some say "Flattery will get you nowhere" others say "Flattery will get you everywhere"
either way, these kind words from our customers say more about who we are than anything we could say ourselves...
Dear Neil,
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 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 own 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 must admit that I am a bit unnerved by my new mortgage payment, because it is more
than the interest only payment I was making, but I believe that Curt guided me to
the best decision for my situation, and it is now totally up to me to make it work.
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 can keep in savings.
He became a friend when I though he was just a mortgage guy; A great mortgage guy, but still...
I already have enthusiastically recommend Curt's services to several of my acquaintances, friends and family!
Sincerely,
Mary Jo T.
July 9, 2007
Dear Neil and Envision,
Thank you so much for helping us in becoming new home owners.
Jaime and I would just like to express our gratitude and appreciation for all your knowledge,
honesty, hard work and most of all your patience!
We apologize that this note was so long in coming but with being new home owners, and now engaged!
There has been lots to do.
We just wanted to let you know that you made this process so much easier for us.
From explaining loan options all the way to signing the closing papers.
You made us feel very comfortable with all the big decisions we had to make,
and again, we have to thank you for your patience.
I know we bugged you with a lot of how's, why's and why not's but instead of getting flustered,
you actually encouraged us to ask more!
What really meant the most was that you stayed by our side until the very end,
giving us the extra moral support we needed, by being there at the closing.
It really displayed your dedication, lyoalty and exceptional service to your clients.
(It sure was HOT that day!)
Once again, thank you so much fo all that you've done and all that you will do for us in the future,
for we will be calling you when we refinance!
On your business card it says... "Envision a better life!"
Well, we'd like to say that because of all your hard work, our "vision" has now become reality.
Thank you and God bless.
Kevin M. & Jaime P.
December 21, 2006
Congratulations Kevin and Jaime on your engagement! from all of us at Envision.
Good Morning Mr. Coleman:
I have just recently taken a new job and while in transition I received numerous emails from clients
which made me feel very special.
I stopped and thought, when is the last time I sent a note or email regarding anyone.
I immediately thought of Tara.
I have known Tara for about 3 years now and she has helped me through some financially rough times.
She is incredible at what she does.
I have sent several people to her with no second thoughts.
Everyone I know who has worked with Tara says nothing but good things.
We often joke that Tara is the "Mortgage Goddess".
I mean, seriously, what does she NOT know about the industry?
She has an unbelievable understanding of what is the best way of handling the different situations
for the individual she is working with at that time.
She is a great asset to the company and it is always great to hear it from other people.
I hope you really appreciate what a great worker you have, thanks for your time.
Kim G. (one of Tara's biggest fans),
November 11, 2006
Dear Mr. Coleman,
Our family recently found ourselves in need of help in securing mortgages in order to buy our 2 homes.
My husband and I have bought and sold homes in the past in New Mexico
(we moved to Illinois two years ago) but were totally unfamiliar with the process in Illinois.
In addition, our daughter and son-in-law were in need of a mortgage to purchase their first home.
Needless to say, we all four entered this process with more than a little apprehension.
We met a realtor through the house hunting process that highly recommended Phil and Envision Mortgage.
We contacted your company the next day, arranged for Phil to come to our home to meet with all of us and,
as they say, the rest is history.
The whole home buying experience (from start to finish) was wonderful.
Phil explained to each of us, individually, in terms we could all understand,
the requirements and process associated with securing financing for each of our individual homes.
There were many times that we called Phil on weekends or evenings to ask questions
(particularly when out house hunting) and Phil was always available to answer
any and all questions we might have.
To say that he went above and beyond, in relation to helping us, would be an understatement.
Each interaction we had with him was centered in professionalism on his part
as well as a genuine desire to help us in any way that he could.
Words cannot express how thankful we are to have met Phil and we all wanted you to know that,
in our opinion as a couple that has bought and sold homes, as well as from the perspective
of a young couple just starting out, that our overall opinion of Phil and your company
is one of complete and total satisfaction.
We are all settled in to our new homes now and just today
we were all talking about how lucky we were to have met Phil.
Each of us have already had opportunities and will continue to have opportunities to express
to people we know how happy we are that we were guided in the direction of Envision Mortgage and Phil.
You are extremely fortunate to have a young man of his caliber working for you.
Rest assured that he represents your company well and personifies the meaning of integrity.
Thank you again.
We sincerely appreciate all the help we received in completing our two home purchases.
John and Chris, October 31, 2006
Why Envision Mortgage Solutions?
Mortgage people pretty much the same, aren’t they?
Let's compare and contrast some thoughts...
If you need a criminal defense attorney, who would you call?
Would you choose a friend who is a corporate or real estate attorney?
Maybe even the very best at what they do, but not necessarily at criminal law
and probably not the best trial attorney.
The fact is, they would send you to a specialist, a professional.
The best professionals eat, sleep and breathe their specialty.
They are totally immersed in it and down to the smallest details.
Your Envision Mortgage Advisor is very similar.
Well educated in their field and totally steeped in every aspect of mortgages.
Rather than casually sitting on the bank and casting a couple lines into the water.
Your Envision Mortgage advisor dives in to find the best programs and
serves them up to you on a platter with chips - that’s right, with options!
When searching for a mortgage, most people are told "This is the loan for you"
and they don't realize, until later, that there may be 2 or 3 other choices
that could help them: keep more cash in their savings, increase their available monthly cash flow,
or even provide greater cash to pay bills, or complete a project
while at the same time paying their house off faster!
Additionally - and sadly, most people don't discover the real facts about about all the costs and fees
involved until they get to the closing table with the final documents in front of them.
Envision delivers the facts, all of them, at the exact same time that we provide you with money savings options.
You won't have to worry about "discovering" additional expenses or anything else later on.
Finally, did you know that the order in which you pay off your bills
can either save you or cost you thousands of dollars?
Your Envision Mortgage Advisor can show you how to stretch your dollars further.
So, do you really want - "This is the loan for you."
or would you prefer "Here's how we can work together to make your life better and less expensive!"
That's why we say:
Let us help you... "Envision a Better Life!"
Here's how it works...
The process begins with learning about your goals and your current situation
to create an accurate picture of your short and long term goals
and any challenges you may be facing including credit,
cash flow and important milestones.
Please remember, even in the unlikely event that we are unable to help you with a loan today
(99% of the time would be due a troubled credit report), The journey is only beginning
and an Envision Mortgage Advisor will always be available for questions or concerns as
well as to provide you with information and guidance regarding credit
reports, how certain activities and types of accounts effect your credit
score and credit rehabilitation.
We look at your mortgage or refinance - as much as possible - through your eyes.
We make every effort to see as far down the road of life as you'd like to,
so that we can make today's decisions, about today's problems with solutions
that will still be helping you build your future next year and in five years and beyond.
Some call it a life stage perspective or an understanding of the family life cycle.
The financial decisions we make in our teens and twenties
can have a dramatic impact on our lives even 50 years later.
The first life stage is being a single person and, hopefully, making wise decisions
about spending saving and even retirement.
This first stage gets more complex as you meet and build a life with another person.
It is at this point that most people are thinking about
establishing a home.
Might be a condo, might be a town home might be a single family home - but a home, just the same.
In the second stage, the family expands to include little boys and little girls
who will sooner or later want to run and play and for whom we will want security
and the best we can offer - up to and including
a bigger house!
The third phase occurs as we approach our own mid life issues and challenges
while we are also nurturing our children's independence and responsibility,
if we haven't already, we often find that now is the
time to buy
a home.
The fourth phase is fully in swing as we launch that last child into their own home
which you may have heard called the empty nest.
By no means an end, this is a time for rediscovering your self and your spouse
and for reaching for
dreams:
for new careers, for new homes, for new investments.
We hope for the best at every phase but things may not always turn out as we had planned.
It is never to late to get back on course, however and your Envision Mortgage Advisor
is here to help you make that fresh start.
Purchases & Refinances in Illinois, Wisconsin or Indiana
Hey! 1st time buyers!
We can help you with, No money down and creative programs that include seller concessions
and seller 2nds to help you not only to qualify
but to be able to more comfortably afford your new home.
The Illinois Mortgage Advisors at Envision love helping first-time buyers;
easing their worries and fears and helping them get a foot -
as well as the rest of you and your furniture too - in the door to home ownership.
Chicago land Houses turn into homes and families tend to grow into
- and sometimes - out of them.
Your Envision Mortgage Advisor will be there for you whether you want to buy a larger home
or down size to a smaller more manageable home.
Then again, refinancing may be the way to help you expand and create that perfect kitchen,
bath, "west wing" addition or the castle you’ve always dreamed of.
In Illinois, from Chicago to Gurnee, Crystal Lake, DeKalb, Joliet, Frankfort and beyond...
there are as many different reasons to refinance as there are home owners.
Cash out for any reason, no questions.
Remodeling in Arlington Heights, Antioch, Orland Park or Zion is always a great reason to refinance.
You can refinance your mortgage to pay for expected - or unexpected - expenses like weddings,
tuition, a vacation adventure of a lifetime, down payment for a 2nd home or real estate investment,
financial market investment for retirement as well as the more unfortunate facts of medical expenses,
funeral expenses.
Many success gurus say that luck is nothing more than preparation meeting with opportunity.
Did you know that the success rate of new businesses for people
with experience in those industries is over 80%?
You work hard and if you've finally found a business venture that you think deserves your investment,
we'd be honored to help you take that opportunity from the drawing board to boardwalk,
concept to concrete via a creative Illinois refinance mortgage.
Refinancing is the #1 way to finance start ups and franchises!
Your Envision Mortgage Solutions, Mortgage Advisor has experience
with every credit type and financial situation.
Your Envision Mortgage Advisor will have worked with home owners to refinance their mortgage
to fix life complications caused by high debt ratios when keeping up with the Joneses
and the resulting bills has become overwhelming and credit repair where those complications
have lead to missed payments on credit, auto and even mortgages.
Home owners just like you (and just like us) may have refinanced in the past to save money
or repair credit but are now facing rising mortgage rates and therefore rising monthly mortgage payments
due to adjustable rate mortgages.
Today, right now, is better than next week or next month to consider converting that adjustable rate mortgage
to an Illinois fixed rate mortgage and lock in not only a favorable rate
but also to lock in some security and peace of mind as well.
Envision Mortgage Solutions has strong relationships with many different lenders all across the county.
Because we do so much business with them, they make special programs available to us.
1, 2 & 3% flexible payment mortgages not only sound amazing, they may even sound too good to be true!
Your Envision Mortgage Advisor will take the time to explain how and why a program like this
may be dangerous for some or a great solution for others:
Home buyers, property investors and mortgage refinancing.
These programs have unique features that meet the needs of everyday people with fluctuating incomes
like union and non-union workers, who's hours are effected by weather, carpenters, and other building trades,
teachers and other support staff in education, business owners and the self employed.
The important thing is that your Mortgage advisor will make sure
you are fully informed about any Illinois mortgage program.
As an Illinois mortgage broker, we offer creative financing programs including interest only programs,
conventional mortgages, non-conforming mortgages and Jumbo mortgages
that will help you build your today and all of your tomorrows.
You don't have to live in a million dollar home in Inverness, Tinley Park, Geneva, New Lenox or Forest Park
- or any where else in Illinois for that matter - to want a mortgage for a 2nd home or a vacation home.
Have you dreamed of being a real estate investor?
Naturally, that means you're looking for an Illinois Mortgage for Investors and investment properties.
Your Envision Mortgage Advisor will help you find the right Illinois mortgage to help you buy or refinance
vacation homes, 2nd homes, homes co-signed or co-owned with the kids and even owner occupied and
non-owner occupied investment properties that are single family or 2, 3 or 4 unit investor properties.
Envision Mortgage has the presence and experience to help you with apartment buildings and even
mixed use commercial properties with apartments upstairs and storefronts on the ground level.
What about mortgages for bad credit?
There are many reasons for someone's credit to be a little - or a lot - dinged up.
Bad credit
happens in Barrington and Wooddale and in Blue Island and Skokie.
We all know that the credit bureaus are much more diligent about putting negative information
your credit report than they are about removing or correcting it.
Envision Mortgage Solutions has mortgage programs and terms for home purchases
and for home mortgage refinancing that take rough times in stride.
Some one with great credit and a good job can, unfortunately, be without a job overnight in this economy.
Often, no matter how carefully you may have planned, that can lead to late credit card payments,
skipped auto loan payments, repossessions, foreclosure, judgments,
collections, bankruptcies and other problems with credit.
Envision will help you improve your credit to get a loan and will help you get a loan to improve your credit.
It doesn't matter to us if your credit is poor, average, or good,
Envision Mortgage will provide you a road map to a better life.
Some borrowers have had some financial trouble, we can help them.
Some people have never established credit good or bad, we can help with that, too.
From AAA credit to, well… not, and from Naperville to St. Charles and South Holland to Palatine,
Envision Mortgage Solutions has good news, today, tomorrow and next year.
Why should I choose Envision as my Illinois Mortgage broker?
There are many reasons to choose Envision versus other banks and brokers, here's just a couple...
In comparison to Illinois mortgage bankers, Envision Mortgage can select the best loan for your needs
from over 100 lenders instead of the limited choices they'll be forced to squeeze you into.
Evidence from a
study at Georgetown University
shows that Borrowers have a lower APR when working with a mortgage broker than they do when working with a bank.
Meaning that, overall, people save more money working with a broker versus a banker
that's greater savings on payments, greater savings on fees, just plain greater savings over the whole process.
It really all comes down to integrity and common sense.
At Envision Mortgage, we would rather help you with your current and all your future mortgage needs
in a fair and straightforward way so we have a lifetime client and a lifetime sources of referrals
instead of a one shot deal!
Our basic business plan says, the more we help everyone else to reach their goals,
the easier it will be to reach ours, too.
There's also the added benefit of being able to sleep very comfortably at night knowing we're doing things right.
Envision’s clientele includes people with many different backgrounds.
Therefore, we make sure our schedule is flexible to accommodate the demanding lives of people today
- up to and including closings at alternate locations and after normal business hours.
The Professionals at Envision take pride in a reputation as honest, straightforward professionals.
They know that you need to hear the truth about your loan—not a lot of hype.
Your Envision Mortgage Advisor will listen to your questions,
will uncover unasked questions and get you the straight answers you deserve
and you’ll be provided with options that will help you realize
your present objectives without derailing your future.
Envision Mortgage has solutions for your first Illinois home purchase or the fiftieth,
owner occupied or not whether you are looking in Palos Hills, Downers Grove, Bartlett,
Lake Zurich or Winthrop Harbor.
Your Envision Mortgage Advisor has access to programs from over 100 lenders that will allow you to find
the right Illinois Mortgage with the right combination of terms to meet any need.
Envision derives great satisfaction in knowing that our programs are helping our clients
to not only Envision a better life, but to actually achieve one too!
When it comes to Illinois mortgages for purchase or refinance,
repeat business is solid evidence of doing things right.
Many of Envision Mortgage Solutions clients have been clients for a long time,
and they return for all their loan needs.
Be sure to view the our customers link and see what literally hundreds
of happy mortgage customer have had to say.
When all is said and done, you’ll look back on your experience with Envision Mortgage
knowing that you received the whole picture with none of the details strategically left out
for the last moment at the closing table.
Explore the Envision web site to learn why hundreds of happy clients found that Envision Mortgage
has become their lifetime solution.
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