Home Loans ★ Home Mortgage Specialist

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Mortgage and Lending - Draper and Kramer - NMLS# 189006
Providing home loans for Illinois including DuPage, Kane, Lake, Will and Cook Counties. For a pre approval to purchase a home, refinance your current mortgage, or in need of equity from your current home, Contact me at KimMurphy@1amllc.com www.1amllc.com/murphy 630.235.3917
The real estate market is a tougher place today.  Underwriting guidelines are changing almost daily, rates are a roller coaster at times, and some buyers have listened to the doom and gloom of the media afraid to do anything in the real estate market.  When I received a call from what seemed to b...
  Despite what the media is saying mortgage lending has NOT come to a complete hault.   There are still great loan programs available, some of which do not require a 20% down payment or equity position, and some which still allow credit scores well under 720.  -FHA Cash out refinance to 95%.  Equ...
  Today is a sad day for Carol Stream residents and students and staff of Bartlett High School.   An announcement was made at school today that Lenny (Leonard) Gulczynski was killed in the line of duty in Iraq.  Lenny is a 2007 Graduate of Bartlett High School and joined the Army at 17.  He follo...
Dean Akey of Akey Financial Services is an Insurance Agent in St. Charles Illinois.  He provides insurance for Illinois, Wisconsin, Indiana, Iowa and Missouri.  I met Dean through my husband when he joined Dean in his quest to help other bikers with Rescue Riders.  We did a ride for a charity a m...
In June last year I posted about protecting your credit.  In light of my recent issue where an Employee at Countrywide sold my informationI will be taking my own advice.  When your information has been compromised it is important to be pro active.  During times when people become more desperate t...
Playing in the rain as a child was always fun.  Running and jumping in the puddles.  Finding worms everywhere and bringing them home to mom.  As an adult the rain has new meaning.  The rain can be powerful, destructive, beautiful, refreshing and cool.  After a rain you see the grass get greener, ...
Yesterday afternoon in the mail was a letter addressed to my husband from Countrywide.  The envelope stamped important information about your account.  I typically just shred this because its advertisement to refinance or take a home equity loan.  But I opened it this time and the letter reads: "...
I know this subject has been covered before however I find it necessary to repeat.  I find many buyers and sellers going it alone.  You don't have to do it by yourself, you shouldn't fumble in the dark feeling your way through it all.  The process of buying or selling a home is not as easy as we ...
The last time I blogged was November 2007.  I can't believe I have been out of the rain that long.  I've missed it!  Many changes have happened in the mortgage industry since November.  Stated loans were still around and so were about 40 other big lenders.  I feel like I'm talking about way back ...
  Growing up I was always considered more the tom boy then the girly girl.  That changed for a while when I was in high school.  Prior to high school, I would watch my dad work on his cars, motorcycles and fix things in the house.  I was intrigued!  I played football in the front yard with the bo...

Kim Murphy

Mortgage Loans in DuPage, Kane, Cook, Lake, Will C
smartphone(630) 235-3917
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