PODCAST

Jan Leasure - Libertyville, IL Mortgage Broker

A video blog with loan officer Jan Leasure where she provides financial advice relating to residential properties in Northern Chicago.

education training

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What is a Zombie Foreclosure?

Jan Leasure - Libertyville, IL Mortgage Broker ·

2019/10/03

There has been a strange phenomenon happening in the real estate industry and I thought this would be a good time to warn you about it.Many of my clients in Libertyville have been asking me about a strange phenomenon called Zombie Foreclosures. A Zombie Foreclosure is a situation that occurs when you have left your home and it has been foreclosed, but you are still on the title to the property. This is essentially a property that is in your name because the bank did not come back and

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My “#WineAboutLife” Interview With Nik Champion

Jan Leasure - Libertyville, IL Mortgage Broker ·

2019/03/01

I recently got a chance to drink some wine and share my backstory on the very first episode of “#WineAboutLife.” I hope you enjoy! On my recent appearance on “#WineAboutLife,” I got to talk with host Nik Champion about the experiences I’ve had that made me who I am today. Nik Champion is the owner of Champion Allstate in Warrenville, IL. Nik can be reached at 630-332-2555 or via email at championagency@allstate.com For your convenience, I’ve provided timestamps of the interview so you can

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Self Defense Training for Realtors

Jan Leasure - Libertyville, IL Mortgage Broker ·

2019/01/31

How many of you watching this knew that I was a Realtor?There were a number of times that I was showing a home or sitting an open house and I was extremely uncomfortable.Fortunately for me, there was never a disaster, but looking back after watching the Beverly Carter story about an agent who was tortured and killed during a showing and reading local headlines I felt that it was important to provide some sort of training to help keep our Lake County agents safe. I recently attended a self

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Wishing you a happy Thanksgiving

Jan Leasure - Libertyville, IL Mortgage Broker ·

2018/11/12

Friends, The 2018 holiday season has officially begun! We hope you are as excited aswe are. We’d like to take a moment to express our gratitude to all of you this Thanksgiving. We havemetsometruly wonderful people, and we’re proud to have helped somany reach their realestate goalsover the years. We wouldn’t be where we are today without all of your support. Enjoy your Thanksgiving dinner with all of your family and friends— that’s what weplan to do! In the meantime, please don’t

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How Mortgage Rates Are Affecting the Market

Jan Leasure - Libertyville, IL Mortgage Broker ·

2018/11/06

The average mortgage rate is at a seven-year high. Is this what’s behind the shift we’re seeing in the market? The 30-year fixed mortgage rate currently stands at around 4.77%. That's near a seven-year high, and almost 1% higher than just a year ago. This is the result of a steady rise starting last September and ending this May. What impact is this having on the real estate market? It's certainly true that affordability is down. In fact, one estimate from June found that home

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Don’t Let a Big Down Payment Stop You From Owning...

Jan Leasure - Libertyville, IL Mortgage Broker ·

2018/09/05

Do you want to buy a house, but aren’t sure you can cover the down payment? Let’s talk about some down-payment assistance programs that may be able to help. Down payment assistance can be the difference between saying “yes” or “no” to a first home. If youare interested in buying a home but don’t have cash on hand for a down payment, or if you have a son,daughter or any other friend or family member who would like to purchase a home but doesn’t havecash for a down payment in the state of

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What’s Your Home’s Value in Summer 2018?

Jan Leasure - Libertyville, IL Mortgage Broker ·

2018/07/12

This summer might be the last opportunity for you to take advantage of rising homeprices and high demand. Here’s why. Summer is here, which means the high season for real estate. If you've been thinking of selling yourhome, you might be in for a golden moment. However, it might not last long. Let me explain why, with a few details of the current real estatemarket. Right now, homes are selling in record time. This May, it took just 34 days on average for a home to go under contract,

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What Does Reduced Home Affordability Mean for You?

Jan Leasure - Libertyville, IL Mortgage Broker ·

2018/06/15

Home affordability is shrinking fast. Here’s what you should do to get ahead of the curve. Home affordability is shrinking rapidly, according to research by Arch Mortgage Insurance.In the first quarter, affordability (defined as the size of the monthly mortgage payment needed tobuy a home) dropped by 5%. This was mainly due to the increase in mortgage rates. As aconsequence, more people are now stretched and taking on greater debt relative to their income.Other buyers are being pushed out of

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Starter and Trade-Up Homes are in High Demand

Jan Leasure - Libertyville, IL Mortgage Broker ·

2018/05/16

The real estate market remains red-hot. In fact, Zillow estimates that homes sold more quickly in 2017 than ever before. And 2018 seems on-pace to beat 2017. However, one segment of the real estate market seems to be lagging. I’m talking about luxury homes. Prices in the top 5% of the real estate market increased just 5.1% in 2017, almost 2% lower than the rest of the market. What's going on? Affordability does not seem to be an issue: more Americans can afford a top-level home

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3 Questions to Ask an Agent Before Hiring Them

Jan Leasure - Libertyville, IL Mortgage Broker ·

2018/04/26

Before hiring a real estate agent, you need to do some vetting. Here are the questions that we recommend you ask. Buying or selling a home is a major project. Having a trustworthy agent to guide you through that project can be an invaluable asset. But how can you vet potential real estate agents to see who would be a good fit for you? Here are three important questions you should ask to get started: 1. "How many homes have you sold in the last 12 months?" Many real estate agents will tell

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How to Get Pre-Approved for a Mortgage

Jan Leasure - Libertyville, IL Mortgage Broker ·

2018/04/03

If you’re buying a home with a mortgage, you absolutely need to get a pre-approval first. Here’s why. There's no doubt about it. It's a very competitive market today if you are looking to buy a home. Inventory is near record lows, and more and more homebuyers are entering the market. This means you need every advantage to grab that perfect home when you do find it. One no-brainer is to get pre-approved for a mortgage. A pre-approval informs you of how much you can borrow and it's something

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Please Vote For Us in the 2018 Readers' Choice Daily...

Jan Leasure - Libertyville, IL Mortgage Broker ·

2018/02/20

Please Vote For Us in the 2018 Readers' Choice Daily Herald The Diamond Residential Mortgage Libertyville and The Jan Leasure Team are honored to announce that we have been nominated by the 2018 Readers' Choice Daily Herald Awards. In order to vote for us, visit the website here. Scroll down to “Shopping & Services”. Click on "Shopping and Services" in the blue box. Scroll down to “Best Mortgage Lender”. Then type in: "Diamond Residential Mortgage Corporation North Milwaukee”

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Thank You for Your Support in 2018

Jan Leasure - Libertyville, IL Mortgage Broker ·

2017/12/05

Happy New Year! We hope 2018 is your best year yet. Happy New Year! We want to take a minute to thank our wonderful friends, clients, and family members who worked with us or helped us this past year. Thank you so much for your trust in us here at Diamond Residential Mortgage- Libertyville. Jan has been serving mortgage clients for over 20 years now, and we are just very thankful for all of your support. We hope you have a wonderful and fabulous 2018. Make it your best year

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How Will the Fed’s New Move Impact Real Estate?

Jan Leasure - Libertyville, IL Mortgage Broker ·

2017/10/17

The Fed’s announcement to cut back its balance sheet means the longer you wait to buy or sell a home, the harder it might be for you. The Federal Reserve just announced a move that will have a big impact on both home buyers and sellers. At the latest Fed meeting on September 20th, Fed Chair Janet Yellen announced that the Fed would start to cut back its balance sheet. While that might sound boring compared to the usual announcements of Fed rate hikes, it's actually a very big deal. You see,

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5 Ways to Invest in Real Estate

Jan Leasure - Libertyville, IL Mortgage Broker ·

2017/09/15

Real estate investing is on the rise. Here are five different ways you can get involved. Investing in real estate is no longer restricted to the super wealthy. According to a recent survey, real estate investors now make up 15% of the population. That translates to almost 50 million individuals who invest in at least one property other than their primary residence. In fact, 89% of U.S. investors are interested in putting their money in real estate because of benefits such as cash flow, tax

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5 Remodeling Projects With the Best Return

Jan Leasure - Libertyville, IL Mortgage Broker ·

2017/08/24

Home remodeling is as hot as it's ever been. Here are five projects that bring the best return on investment. Home remodeling is hotter than ever. According to researchers at Harvard University, remodeling investment is up 6% over last year and now makes up a $324 billion market. According to a survey of remodelers and real estate professionals, there are five remodeling projects that offer the best returns: 1. Your kitchen. Kitchen remodeling can be as simple or as elaborate as you like

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How the Fed’s Recent Rate Hike Impacts Our Market

Jan Leasure - Libertyville, IL Mortgage Broker ·

2017/07/31

The Fed’s recent rate hike shouldn’t have any significant impact on our market. In fact, it might actually stimulate it. On June 14th, the Federal Reserve increased its federal funds interest rate by 0.25%. They’re also widely expected to raise rates once or twice more over the course of 2017. What does this mean for the real estate market? While any action by the Fed always garners a lot of attention, I believe these increases will not have any significant impact on our market. First of all,

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How Do Fannie Mae’s Recent Changes Affect Those With...

Jan Leasure - Libertyville, IL Mortgage Broker ·

2017/06/19

Today I want to inform you about how Fannie Mae, the nation's largest underwriter of mortgages, recently introduced three new rules that will affect those with student debt. If you have a student loan or you are a cosigner on one, I have some good news for you. Fannie Mae, the nation's largest underwriter of mortgages, recently introduced three new rules that will affect those with student debt. These new rules can make it easier to get a mortgage, and they can make it easier to pay off your

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You Don’t Need a Down Payment

Jan Leasure - Libertyville, IL Mortgage Broker ·

2017/05/22

Today, I want to share with you all the options you have for an affordable down payment as a homebuyer. What's the biggest obstacle to homeownership? According to a recent survey, "saving enough for a down payment" comes at the top of the list. A whopping 55% of prospective homebuyers cited this as their main stumbling block. And with the continuing growth of home prices, things aren't getting any easier. In fact, homeownership rates reached a 20-year low last November. It wasn't always like

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Tips to Replenish Your Self-Confidence

Jan Leasure - Libertyville, IL Mortgage Broker ·

2017/03/20

I recently read some advice for self-confidence from a teenage girl's website, and I think it can actually be really helpful to you and your career. Try thinking about these scenarios in a different way to help yourself. Sometimes when we use our same introduction or phrasing over and over again, we can get a little bit stale. In turn, I think we can also lose a little bit of self-confidence. I came across this recent bit of advice from a teen girl's website, actually. It's something you can

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Jan Leasure - Libertyville, IL Mortgage Broker

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