 Moving Companies:
Bekins Van Lines - (217) 786-2000
Mayflower Van Lines - (800) 225-3597
United Van Lines - (217) 523-7709
Utilities:
CWLP (City Water, Light & Power) - ELEC. & WATER (217) 789-2030
CILCO (Central Illinois Light Co.) - ELEC. & GAS (888) 672-5252
CIPS (Central Illinois Power Services) - ELEC. (888) 789-2477 Cable:
Insight Communications - CABLE TV (Spfld. & Chatham) - (217) 788-5656
Greene Co. Cable - CABLE TV (Surrounding Areas) - (217) 793-8939
Direct TV - SATELILITE TV (All Areas) - (800) 675-8680
Telephone:
Ameritech - (800) 244-4444 - Sales/Service
Consolidated Communications - (800) 500-3453 - Sales/Service
Long Distance:
AT&T - (800) 222-0300 - Sales/Service
MCI - (800) 950-5555 - Sales/Service
Sprint - (800) 877-7746 Sales - (800) 877-4646 Service
Department of Motor Vehicles (Licensing):
Drivers License General Info. - (217) 782-6212
Exam Station - (217) 782-4850
Garbage:
Capitol Waste System - (217) 522-7797
Lake Area Disposal - (217) 522-9317
Chatham Disposal - (217) 529-5361
Lenders:
INB - Illinois National Bank - (217) 747-5500
Marine Bank - (217) 726-0600
Town & Country Bank - (217) 787-3100
U.S. Bank - (217) 753-7530
United Community Bank - (217) 483-2491
Home Inspectors:
Amerispec Home Inspections - (217) 789-7901
B-Safe Home Inspection Services - (217) 585-1000
Title Companies:
Faxxon Title Services - (217) 698-8871
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Financing Your Home >Mortgage Fears
It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!
Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.
Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.
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| Q |
What is a "jumbo mortgage"?
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| A |
The term "jumbo mortgage" currently refers to a mortgage loan in excess of $359,650, although the threshold amount may change as the market fluctuates. |
 See More Real Estate Trivia > |
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- NUMBER1EXPERTS™ 
