Adjustable-rate mortgages are returning to the Chicago market. For buyers with a five-to-seven year horizon and higher loan balances, the math is worth running. Here is what a structured ARM conversation actually looks like before you sign.
Waiting to buy a home carries real costs most buyers never calculate. Here is what the math actually shows when you compare five years of renting against owning today, with a refinance built in.
Top realtors do not hand out referrals based on a pitch meeting. They test a lender on the first deal and watch every move. Dean Vlamis breaks down what they are looking for and how A&N Mortgage Group earns that trust.
When employment verification failed the morning before closing, the outcome came down to one thing: direct lender access. This is the story of a Bronzeville closing that almost fell apart and the structural difference that kept it together.
Buyers in Chicago’s $900K to $1.5M range are already factoring the SALT cap expansion into purchase decisions. Here is how to model confirmed numbers, layer in assumptions clearly, and bring in the right experts before the offer is written.
Tariff headlines and recession fears are freezing financially ready Chicago buyers. Dean Vlamis explains how mortgage scenario modeling replaces economic anxiety with a clear, personal path to closing based on your actual numbers.
A mortgage pre-approval is a living file, not a countdown clock. Learn what actually expires, what does not, and how Chicago buyers stay purchase-ready through a long home search without pulling credit repeatedly or starting over.
Generic refinance calculators do not account for Cook County tax trajectories, condo special assessments, or escrow resets. Chicago borrowers need local variables in the math before deciding whether a refinance makes sense or which structure to use.
Chicago homeowners with low mortgage rates have equity they cannot easily access without giving up their existing loan. A HELOC solves that. Here is why more borrowers are opening lines before they have an immediate need and how to use them well.
Illinois property taxes rank among the highest in the country, and most online calculators never account for them. Here is what Chicago-area buyers need to know before writing an offer, and how to plan for what your payment actually looks like in year two.
Dean Vlamis
Mortgage Broker
(773) 612-2666
(773) 305-7156
[email protected]
Visit Dean's Office
in Chicago
1945 N Elston Ave
Chicago, IL 60642
NMLS# 194442
Circular 230 Disclosure: Pursuant to recently-enacted U.S. Treasury Department regulations, we are now required to advise you that, unless otherwise expressly indicated, any federal tax advice contained in this communication, including attachments and enclosures, is not intended or written to be used, and may not be used, for the purpose of (i) avoiding tax-related penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any tax-related matters addressed herein. A and N Mortgage Services, Inc. NMLS No. 19291. DEAN VLAMIS NMLS No. 194442 For all general inquiries please call the main number at 773.305.LOAN (5626).
