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

Let's compare some thoughts...
If you need a criminal defense attorney, 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 best professionals eat, sleep and breathe their specialty. They are totally immersed in it and down to the smallest details.

Your Schaumburg 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 - that’s right - with options!

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 your 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 Schaumburg, Illinois.
1st time buyers, we can help you with, No money down and creative programs that include seller concessions to help you not only to qualify but to be able to more comfortably afford your new home. The Schaumburg Mortgage Advisors at Envision love helping first-time buyers; easing their worries and fears and helping them get a foot in the door to home ownership. In Schaumburg, 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 Schaumburg and beyond... there are as many different reasons to refinance as there are home owners. Cash out for any reason, no questions asked. Remodeling a Schaumburg home 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 the meeting of preparation with opportunity. 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 Schaumburg refinance mortgage.

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 ratio where the trouble with keeping up with the Joneses and the bills is becoming overwhelming and credit repair where those complications have lead to missed payments on credit, auto and even mortgages.

Schaumburg 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 country for convestional and FHA loans. 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 the perfect solution for Home buyers, property investors and mortgage refinancing. They 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 and will help you understand when a program may not be appropriate for you as well.

As a Schaumburg 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 Schaumburg Mortgage for Investors and even commercial investment properties. Your Envision Mortgage Advisor will help you find the right 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 Schaumburg and in Mount Prospect and Skokie. We all know that the credit bureaus are much more diligent about putting negative information onto your credit report than they are about removing or correcting it. Envision Mortgages 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 Schaumburg to Palatine, Envision Mortgage Solutions has good news, today, tomorrow and next year.

Why should I choose Envision as my Schaumburg Mortgage broker?

There are many reasons to choose Envision versus other banks and brokers, here's just a couple... In comparison to Schaumburg banks and mortgage bankers, Envision Mortgage can select the best loan for your 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 source 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 Schaumburg 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.