Pam Kohn Mortgage Consultant NMLS #207130

Pam Kohn Mortgage Consultant NMLS #207130 Loan Service
Neighborhood Loans, Inc. Neighborhood Loans
NMLS 207130 847-826-4331

NMLS # 222982
Mortgage Loan Originator; Equal Housing Lender; Mortgage Lending - Conventional, Fha, VA; refinances,Rehab, Reverse Mtg, Helocs NOn QM Local lender that knows!

06/17/2026

🚲 Algonquin parents are stepping up, and it shows.

More and more families on our streets are checking their kids' e-bikes against Illinois law before letting them ride. They're asking the right question: Is this actually a low-speed e-bike, or an Out-of-Class Electric Vehicle that needs a license, title, and insurance?

Here's the quick test the smart parents are running:
✅ Working pedals + motor under 750 watts
✅ Class 1, 2, or 3 (cuts out at 20–28 mph)
✅ Class 3 riders are 16+
✅ Ridden where it's allowed - off-road on private property, NOT village roads, sidewalks, bike lanes, or paths

If your child's "electric dirt bike" tops 750 watts, runs on throttle only, or breaks 28 mph, it's not an e-bike under Illinois law; it's a motor vehicle.

So, make this week's promise: before your kid rides, you'll run the check. Comment "✅ I checked" below - the parents who say it out loud are the ones who follow through, and their kids notice. 💙

Questions? Algonquin PD non-emergency: 847-658-4531.

🏠 The Power of Extra Mortgage PaymentsMaking extra payments on your mortgage can potentially save you a significant amou...
06/13/2026

🏠 The Power of Extra Mortgage Payments
Making extra payments on your mortgage can potentially save you a significant amount of money over the life of your loan.
Every extra dollar you pay goes directly toward your principal balance, lowering the total amount you owe.
Why It Matters:
• Less Interest Paid: You reduce the lifetime cost of your loan, keeping more money in your pocket.
• Faster Equity Growth: You build wealth and ownership in your home at an accelerated pace.
• A Shorter Loan Term: You shave years off your timeline, creating a faster path to owning your house outright.
________________________________________
💡 Key Tips to Remember:
Timing is Everything The sooner you start making extra payments, the more interest you save over the life of the loan.
Consistency Wins Small extra payments add up. Even committing to just one extra payment each year can cut years off your mortgage and save you thousands of dollars.
for more advise... follow me, DM or call 847-826-4331

🏡 Ready to Make This Summer One to Remember? ☀️Summer is all about new adventures, backyard BBQs, and making memories wi...
06/03/2026

🏡 Ready to Make This Summer One to Remember? ☀️
Summer is all about new adventures, backyard BBQs, and making memories with the people you love. Why not make this the summer you move into a home of your own?
Whether you're dreaming of a bigger backyard, a neighborhood pool, or finally having a place to call your own, now is a great time to start the homebuying journey.
🌻 Get pre-approved
🌻 Know your budget
🌻 Shop with confidence
🌻 Move in before summer slips away
Your dream home might be closer than you think. Let's make this your season of new beginnings! 🏡☀️
call or text 847-826-4331 or DM

Home of the free because of the brave. 🏡This Memorial Day, we pause to honor and remember the heroes who made the ultima...
05/22/2026

Home of the free because of the brave. 🏡
This Memorial Day, we pause to honor and remember the heroes who made the ultimate sacrifice for our country. Their courage and service protect the freedoms we enjoy every day — including the dream of homeownership.
As you spend time with family and friends this weekend, may we all take a moment to reflect with gratitude.
Wishing you a safe and meaningful Memorial Day. ❤️🤍💙

05/19/2026

📉 Rate Recap & Outlook: Still elevated, but today gave us something to watch 👀
Rates have been under serious pressure lately. Last week’s 10yr Treasury hit its highest closing level since early 2025, which tells you how tough this environment has been. Today was a rollercoaster, markets opened with cautious optimism around peace talk developments, then headlines pushed back all afternoon, and THEN Trump posted at 3pm that a planned military operation was cancelled and that serious negotiations are now underway. Bonds rallied on that news and rates finished the day essentially unchanged. Not a win, but not a loss either. The tone heading into the rest of the week feels more hopeful than it has in a while.

🔑 3 Things I’m Watching This Week:

• Iran Negotiations: This is still the whole ballgame. Trump’s 3pm post that a deal “will be made” is the most direct signal we’ve seen yet. If talks progress, expect rates to respond quickly and meaningfully. One negative headline though and we go the other way fast.
• Oil Prices: Crude dropped on today’s news and briefly dipped under $100. Oil cooling down = inflation pressure easing = better environment for mortgage rates. Every dollar lower matters right now.
• Wednesday’s FOMC Minutes: The Fed’s April meeting notes drop Wednesday afternoon and could shake things up mid-week. Any language around inflation will put upward pressure on rates regardless of what’s happening overseas.

Rates are still elevated. But this week has more potential for positive movement than we’ve seen in a while. If you’re closing soon, locking now protects you. If you have time on your side, we’re watching every headline and can move fast when the window opens.

📍See your state in green?Let’s start your homeownership journey today!✨ Competitive loan options✨ Personalized guidance✨...
05/14/2026

📍See your state in green?
Let’s start your homeownership journey today!
✨ Competitive loan options
✨ Personalized guidance
✨ Fast, friendly service
Message me to get preapproved for purchase, refinance, or home equity loan! 📩 847-826-4331 Pam or 773-301-7774 Dayna Black, Mortgage Lender, NMLS #2301674

Hey MOMS!! Hope your day is filled with Joy, family and flowers! Happy Mothers Day!!
05/09/2026

Hey MOMS!! Hope your day is filled with Joy, family and flowers!
Happy Mothers Day!!

Just like the perfect margarita, buying a home is all about the right mix—strategy, timing, and a little expert guidance...
05/05/2026

Just like the perfect margarita, buying a home is all about the right mix—strategy, timing, and a little expert guidance. 🍹🏡

Whether you're dreaming of your first home or ready for your next move, getting preapproved is your first step to winning in today’s market.
🌟 Know your budget
🌟 Strengthen your offer
🌟 Shop with confidence

Don't let your dream home be "nacho" reality. Call or text me today to get pre-approved! 847-826-4331 Pam Kohn Mortgage Consultant or 773-301-7774 Dayna Black, Mortgage Lender, NMLS #2301674
Happy Cinco de Mayo! 🎉

05/05/2026

If you’re a Kane County homeowner and your property tax bill just gave you sticker shock like mine did - here’s what’s actually going on 📈

Between 2022 and 2025, home sale prices in our area rose significantly. Illinois law requires assessors to use real sales data from the prior three years to set your home’s assessed value. That means the market boom we’ve all seen is now fully baked into your 2025 tax bill.
Your tax rate may have actually gone down. But if your assessed value jumped significantly, your bill went up anyway.

For homeowners with a mortgage, this is important to understand: your taxes run through your escrow account. When the tax bill goes up, your monthly payment adjusts too (even if your interest rate is unchanged).
It catches a lot of people off guard, and we get questions about it all the time. If you want to talk through how this affects your current mortgage or a home you’re thinking about buying, comment or send me a message. Happy to help. 🏡

05/04/2026

📈 Rate Recap & Outlook: Still climbing, don’t expect relief yet 👎
Rates kept creeping higher last week as the Strait of Hormuz stayed closed and oil prices spiked to levels we haven’t seen in years. Rising energy costs are inflationary and inflation is the enemy of lower mortgage rates. Until we see real progress on the Strait reopening and oil prices cooling down, rates aren’t likely to improve much. We do have some important labor market reports this week that could shake things up, so stay tuned for an update on Friday.
🔑 3 Things I’m Watching This Week:
• The Middle East: This is still the main story. No resolution with Iran means the Strait of Hormuz stays closed, oil stays expensive, and rates stay elevated. A breakthrough would be the biggest thing that could move rates lower.
• Friday’s Jobs Report: The biggest data release of the week. A significant slowdown in hiring could give rates some breathing room. I’ll be watching this one closely.
• Energy Prices: Oil spiking affects inflation, which affects your mortgage rate more than most people realize. Worth keeping an eye on.

I’ll post these every Monday - what you actually need to know about mortgage rates. Follow along! 🏡

Address

1501 Woodfield Road
Algonquin, IL
60173

Telephone

+18478264331

Website

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