Gene Mundt - Let's Talk Mortgages & Real Estate! : Illinois: Naperville

    

     During great parts of my day I find myself  "dispensing"  information.  I literally visualize myself much like a pharmacist or doctor ... dispensing little pills of information, performing surgery to heal credit, suture finances, resuscitate mortgage processings, and deliver successful closings.  

     I love sharing and dispensing that mortgage information to my clients and referral partners.  No doubt about it.  But as we all know, it isn't always easy to get patients to "take" their medicine.  It's much the same with potential homebuyers many times.  They KNOW they have a need for the information being made available.  They UNDERSTAND that they should be listening and learning.  But still, many don't ... and recent survey results prove that ... 

 

   

    As I mentioned in my blog of yesterday, "What is the state of the Boxers and Briefs in your home? Spring sales indicators ... ", I found an article on Kiplinger.com that addressed the question that is on most real estate professional's minds ...

    "What is the financial outlook for this Spring?"

    According to the Kiplinger.com article mentioned, "10 Signs the Economy is on the Upswing", there are 10 everyday life-indicators suggesting that our economy is improving. I made some folly within my post of the #1 indicator speaking of boxers and briefs ... but truly, most of the indicators mentioned made sense when analyzed.

    A comment I received regarding my post from SarahGray Lamm, Alan Tate Realtors, Chapel Hill, NC, suggested that this article was correct. The public's personal perception of indicators is perhaps the most reliable measure of how our economy is presently doing or where it's heading. The public is afterall, the frontline of the economy.

    And SarahGray Lamm is right. Even though many economists speak of the current recession having actually turned the corner in fall of 2009 ... most Americans said "it ain't so!" Today's statistics, measured and reported by The Conference Board (conducted by the Nielsen Company), indicate that consumer confidence is again on the rise. I believe that they are right, as I am personally hearing comments in that vein and business calls I receive certainly reflect that as well.

    This Spring's real estate market will most definitely be more sensitive than in the past due to the personal indicators talked about in the Kiplinger.com article. But there are other very large reasons that will most likely factor into making Spring 2011 atypical for real estate professionals and the public alike.  They are, IMO:

• Major changes in the Financial Industry, effective April 1st (and that's no fooling!) Higher rates, higher lending costs, tightening of standards, etc., are all going to contribute to the effects seen.
• Interest Rates will most likely move firmly into the 5% - 6% range.
• Another wave of foreclosures is said to be lurking and predicted to hit the market sometime this Spring. That means more housing inventory to move through.

     Although none of the above sounds optimistic, public sentiment and the statistics measuring them are proving to make an opposite case. "Hits" to Trulia.com saw an increase of 40% in January 2011 page visits over the same time as one year previously. Other similar websites are reporting much the same. I am seeing the same results on my own personal website.

     An active interest in home buying seems to be re-emerging. There may be pockets of areas that may see further dips in home prices, but the pendulum seems to have already steadied or started to upswing in many major areas.

    Now is the time for Realtors, as well as Lenders, to send an united message to the public that buyers can't afford to wait any longer. It's most likely to be a losing gamble if they do. (See my post "Reality Home Buying ... The Numbers Don't Lie. Buying NOW vs Later".

    Spring is just around the corner. The mood and optimism of Americans is hopefully warming along with the temperatures. In the meantime, those thinking of becoming buyers and sellers need to prepare themselves for their possible entrance into the home market.

    Real estate professionals should and can help them accomplish this preparation during these weeks leading up to Spring. Education and preparation is key to buying and selling success .. buyers, sellers, ... and ours.

    

     Last July, the Department of Labor released statistics that showed that teen Americans, ages 16 to 19, faced their toughest employment situation since the 1950's. The teen unemployment rate for last summer was roughly triple what the overall adult unemployment rate limped in at.

     Teens, without their jobs, cannot save for college. They also cannot help stimulate a stagnant economy with their purchases of clothes, technology, electronics, music, food, or etc. They cannot help contribute to family bills. They also do not experience and learn responsibility, personal financial accounting and accountability like they would if they were employed.

     The KidsMatter Job Fair, being held on March 23rd between the hours of 5 to 7:30 pm, in the Merner Fieldhouse on the North Central College Campus in Naperville, Illinois, seeks to help address these issue. The KidsMatter Job Fair will help those teens in attendance find employment skills and possibly even employment itself for this upcoming summer.

     The KidsMatter Job Fair is being sponsored through a grant from The DuPage Community Foundation. It is also supported by the Naperville (IL) Area Chamber of Commerce, Glancer Magazine, Illinois State Rep. Darlene Senger, Chicagoland Pool Management, Illinois Energy Windows and Siding, and other various business sponsors.

     Last year's attendance at the fair was approximately 1,500 young adults, drawing from the school districts of Glen Ellyn, Plainfield, Wheaton, Aurora, Lisle, Woodridge, Bolingbrook, and of course ... Naperville.  Business exposure is also placed in area colleges. 

     During their time at this year's KidsMatter Job Fair, teens can learn how to build their work resume. They also can attend workshops, mock interviews, and check-out vocational fields that may be of interest to them for their future.

     The whole idea of the fair from the teen perspective is one of preparation for the workforce. Businesses can take this opportunity to mingle and interact with the teens ... and to recruit for their business. It's a "win - win" situation for teen and employer!

     Should you decide to attend, please look for my table, Gene Mundt - Chicago Bancorp, at the Fair! 

     Please note that REGISTRATION for the KidsMatter Job Fair is necessary. The deadline for registration is February 26, 2011.  The Registration Fee is $100.  Should you have questions regarding taking part in this job fair or registration itself, please contact Stacy Jones, Director of Events at: Stacy@KidsMatter2us.org ... or call:  630.527.6562.  Credit card payments ARE accepted.

 

Completed registration forms should be mailed to:

KidsMatter, P.O. Box 662, Naperville, IL 60566

Faxed to:

630.420.8284

Emailed to:

info @KidsMatter2us.org

     To access more information regarding the KidsMatter Job Fair being held on March 23, go to: www.kidsmatter2us.org.

 

 

Linda Kemp of Keller Williams Infinity, Naperville, IL is a real "Myth Buster" within the re-blog I offer here of her most recent post.  She "busts" through some pretty well-known and long-running myths too.

The "truths" she serves up to those presently selling their home, or those contemplating that move, are compelling and address the reality of the current home market.

Should you be a seller ... or potential seller ... please take the time to read and absorb the wisdom Linda Kemp delivers for your benefit.  Then find Linda Kemp ... or a knowledgeable agent and Realtor in your area ... to guide and assist you through your home's sales process. 

Especially right now in the present challenging market ... it is NO TIME to be trying to tackle a home sale on your own.  You need to surround yourself with intelligent, experienced, and professional real estate industry professionals throughout your entire transaction, from start to successful closing.

And ... should you hear other myths during your own sales or buying process ... please ask questions, seek guidance, and get assistance from those real estate professionals involved in your transaction.  Communication is key to a smooth and successful closing.

Best of luck to you during any transaction you presently are in ... or decide to enter ...

Gene

 

     

     Whether buying or pursuing a mortgage for a home through my services in Naperville, IL ... Joliet, IL ... or any other place across America, the underwriting demand for more detailed documentation has grown immensely.  Much of this demand has grown in direct response to the current economic and mortgage debacle.

 

    HUD's recent release regarding a new guidelines revising the HUD-1 Settlement Statement for HECM closings, is of particular interest to me right now.  I've presently got a buyer/borrower that just doesn't ...

     A.  See the Need to Comply   B.  Understand             C.  Refuses to Understand   D.  "Doesn't Wanna" Comply   E.  Is just plain obstinate    F.  Has a Grudge with Banks and Anyone Associated With Them and Thinks They are the Devil Incarnate

   

     I'm not sure which of the above is the answer, but these clients are making my life, and everyone else's in the deal, miserable.  We should have closed over a week ago.  Their total disconcern for the requests made, and/or lack of understanding as to why they are being requested, totally befuddles me and is frustrating to me too.

     The HUD-1 guidelines read ... Mortgagee Letter 2010-39 requires new certification language to be added to the HUD-1 certifying that the source of funds ...  "used for the the monetary investment or closing costs was not provided by the seller, or any other person or entity that financially benefits from the transaction."  It also states that ... the seller is required to certify that the borrower will not be paid or reimbursed for any part of their monetary investment prior to, during, or after the loan closing.

     This portion of the changes made to HUD-1 (made in once again in reaction to the current mortgage crisis) ... and all the other changes made to HUD-1's ... is just further proof that "Documentation ... Documentation ... Documentation" is the new catch-phrase for mortgage processing and buying a home.

     To my mind, this has been pretty well-covered in the media/news and on the streets.  How could my clients possibly not know or understand some of what is the present reality of the real estate market and home buying process?  Especially if the decision has been made to enter the home buying process?   IMO, the homebuyer should bear some of the responsibility for educating themselves as best as possible ... before and during the process of home buying.  It's only smart that they take those measures to protect their interests. 

    

      But to clients that are reluctant to do so?

      Simply stated folks ... if you don't want to be bothered with producing documents and proof of finances, employment, and more ... don't buy a home or go anywhere near a mortgage application. 

    These days, it will prove to be a waste of yours and everyone else's time.  You won't get approved and past underwriting without the documentation requested and full compliance. 

   You'll be a modern day Don Quixote should you persist.

     

     Listen, I do so understand the hassle of having to comply with the numerous and sometimes outrageous requests made for documentation while in processing.  I'm not so happy with it either ... or the idea of having to (sometimes once again) ask a borrower for more info and paperwork.  Regardless of what is thought, it's not an easy thing to do  ... or something a lender wants to do TO you.

     But the harsh reality is, you either comply ... or it's "Bye-Bye".  You don't change underwriters' minds.  And, many times that is rightfully so.  

     So, as they say in the movies and TV ... "GET OVER YOURSELF"!   YOU the client, have much of the power as to how easily or painfully the processing will be when you choose how to address it and pursue it.   And, you either want the home and the closing to take place in a relatively sane timeline badly enough ... and will do your best to facilitate that with the required documentation and info requested  ... or you won't.  

     Make up your mind ... as these are now the present and new hardline playing rules.  We ALL get the picture.  We ALL understand your angst.  We ALL see the out-and-out silliness of the process at times. 

    We also see the utter futility in the arguments and reluctance to comply and will grow weary of them.  

     So please ... understand these harsh realities PRIOR to going into any home purchase transaction.  If you decide to proceed, please don't make life hard on yourself and everyone involved in the transaction.  Provide the proof.  Provide the Documentation requested.  (And yes, in a timely fashion.)  Get the mortgage processing completed and closing set.  Spare us the drama and quit dragging your feet ... 

    

    

 And ... "JUST DO IT"!    (I acknowledge and bow to Nike)

 

The blog below is a wonderful example of what a LOCALISM POST should be and the good it can accomplish. 

My thanks to Linda Kemp of Keller Williams in Naperville, IL for this information regarding DINE AWAY HUNGER, being held in Naperville tomorrow, October 13th.

If you are in the area, please think about assisting the needy families in DuPage County by dining out at one of the restaurants listed within Linda Kemp's post.  Participating restaurants will be donating 10% of their day's sales ... money that can be put to good use.

If you work in a nearby office, please print this article and list of participating restaurants and post it in your employee's lounge or somewhere prominently seen.  The families you assist will be greatly appreciative.

Gene

 

 

 

 

Cash in Refinance.  Nothin' New.  Nothin' Revolutionary. 

By Gene Mundt, Professional Mortgage Banker  -  Chicago Bancorp

     

     The concept of bringing "Cash In" to Closings of a Refinance is nothing new or revolutionary ... but it HAS become more common these days.            

     Why?       

     Home Values have declined in most U.S. housing market regions.  Yields on stocks, bonds, and other investments are dwindling ... and Mortgage Rates are hovering at, or under 5%.  (This last statement should be making those Americans looking to Buy a Home or Refinance salivate).       

     If any of the aforementioned scenarios apply to you as a Homeowner, you might presently be pondering "Cashing In" those investments that are yielding you a miserable rate of return and then utilizing those dollars to "Buy Down" your Mortgage Interest Rate, 1% or more.       

     This is a plan of action you might want to consider, especially if "Buying Down" the Interest Rate is the deciding factor in making a Refinance of your Mortgage possible.         

      A "Buy Down" can prove beneficial to a homeowner in the following ways:  

• By reducing the Mortgage Balance to qualify at a certain LTV (Loan-to-Value )
• To qualify for your Mortgage at a lower DTI (Debt-to-Income Ratio) 
• To eliminate costly Mortgage Insurance, while also lowering the Interest Rate 
• To reduce the Principal Balance of your Mortgage in conjunction with reducing the Loan Term (thusly keeping the new monthly Mortgage Payment comparable to the previous mortgage payment, but greatly reducing long-term interest costs) 
• To fit into certain LTV (Loan-to-Value) "windows" on first and second (Combined LTV) Mortgage scenarios.

      There is no across-the-board right answer to these above-mentioned scenarios.  As I've written many times previously in my posts, today's Mortgage Processing and Mortgage Loan is more personalized than ever before.       

      As each borrower's set of financial situations are different ... each situation must be judged on its own merit.  Each decision must be based on the financial scenario and standing of the individual homeowner in question.    

     My suggestion or recommendation would be for the homeowner to consult their Income Tax Advisor and their trusted Mortgage Professional both, prior to proceeding with this type of Refinance.        

     Why?  

     My fear for any Homeowner with capital to invest is this ... How liquid is their money paid into reducing their mortgage?  How liquid is it versus having the money in a Money Market Account?  Versus a Certificate of Deposit?  Versus a Bond Fund, or etc.?       

     For LONG TERM FINANCIAL PLANNING, I personally would bet on the Mortgage Reduction course of action being the favorable one in most cases.  But each homeowner must consider their own level of comfort when making this decision.  As with any financial decision, their is an element of risk ... and homeowners should be made aware of that fact and discuss their options with their financial professionals before making a final decision.       

     All of the above is great "food for thought" ... and at decision time, ultimately  the Homeowner themself may have the only "right" answer regarding how to proceed.           

Gene

 

 

    * If YOU are seeking information and answers as to whether a Refinance might be possible for your financial scenario and property, please contact me.             

     Together we will analyze your current Mortgage and Financial situation ... and then move forward with a course of action that will benefit your personal and financial needs best.  I look forward to speaking with you soon!    

     Gene Mundt:   Direct: 815.277.4036   Cell: 708.921.6331   Email: gene@chicagobancorp.com www.genemundt.com      

 

     

     Thinking about Buying a Home or Refinancing soon? 

       Read on and be better prepared when applying for your new Mortgage ...

 

    

     The news and blogs are currently filled with stories regarding the huge and sometimes overwhelming demand for documentation during the mortgage lending process.  Much is presently being made of the number and kind of requests being made for proof of finances, payments, credit, and more by lenders and their underwriters during the processing of loans.

     I personally don't see these requests disappearing or even lessening in number anytime soon.  It's also my opinion that argument or protesting these requests is a waste of time in the majority of cases.  Compliance is typically the best route and the sooner that is achieved, the sooner you move forward in the processing of the loan.

     To hit the floor running during the application and processing portion of a transaction, I like to educate my clients in advance as to what the typical expectations for documentation will be for their mortgage loan.  I warn them that it HAS become the "norm" that they will have to produce more documentation than typically required in the past and as we proceed through underwriting.  Without trying to scare a client or put them on the defense, I also make my client aware of my personal opinion regarding our approach to these requests and its effect on the expediting of their approval. 

     In order to make it as easy as possible on my clients and referral partners, I have provided a list of those documents that typically are required for application of loan upon my personal website, www.genemundt.com.  I have this Mortgage Application List set-up so it can be viewed, enlarged, then printed by clients as a convenient reference while working towards their loan application, then approval. 

     This page on my personal website can be found at: http://www.genemundt.com/Ap-Info.html.  Providing this Mortgage Application List has proven extremely helpful to my clients and saved time, which has proven to be immensely important and valuable when closer pending Closing Dates were written on Sales Contracts. 

     I thought it might prove helpful and beneficial for those ActiveRain viewers considering the Buying of a Home or Refinancing to have my list at their disposal, as well.  Although different states may demand additional documentation to what is shown on my Mortgage Application List, the list still provides a good base start and knowledge for any upcoming transaction. 

     My Mortgage Application List reads as below:

     Information and Documentation Required Upon Application of Mortgage Loan

Basic Information:

1.         Last 2 years W-2's and Tax Returns.

2.         Last 30 Days consecutive Pay stubs.

3.         Name, Address and Telephone Number(s) of Employers for past TWO (2) years.

4.         Most recent Two (2) months Bank Statements (all pages) or 60-Day printout of accounts from the Bank that is stamped and signed.  (Including 401K, Credit Union, Profit Sharing, etc.)

5.         Copy of Social Security Card(s).  (FHA/VA only) & Driver's License (all Borrowers).

6.         Name, Address and Telephone Number(s) of Landlord or letter from Landlord stating amount of Monthly Rent and the Statement  "Paid as agreed for past 12 months"  (if presently renting).

7.         Application Fee (See Lender for Applicable Fee Amount)

8.         Signed Contract and all Riders on home being purchased.

9.         Names and Phone Numbers of Real Estate Agent, Attorney and Insurance Agent.

 

Miscellaneous Information Needed - if Applicable:

1.         Recorded Divorce Decree(s) or Separation Agreements  (All Pages).

2.         Recorded Bankruptcy Discharge and Schedule of Creditors.

3.         Most recent Social Security Award Letter or Pension Award Letter.

4.         Filed and Stamped Release of any Judgment and Paid Receipts of all Collections.

5.         12 Month Court Printout of Receiving Child Support.

6.         Address and Information on any other Real Estate owned.

 

Self-Employed Buyers:       In addition to Basic Information

1.         Year-to-Date Profit and Loss Statement with complete Tax Returns.    (Last 2 years filed)

Veterans:       In addition to Basic Information

1.         Copy of DD-214.

2.         Original Certificate of Eligibility.

 

     Please note:   Buyers that are Self-Employed must provide more thorough tax records and more financial documentation upon application because of the nature of their employment and employment status. Those extra documents required are so noted on my Mortgage Application List.

     Note also:   U.S. Veterans must also supply information pertainable to their service when applying for VA Loans.  Those required Veterans documents are also shown separately from the basic required documentation upon my Application List.

    

     Anyone that has questions regarding the documentation shown upon my Mortgage Application List is encouraged to Contact Me for clarification or assistance.  I will be happy to answer any questions you may have and offer whatever assistance needed. 

 

 

 

*  If you enjoyed my blog post, please think about subscribing to my ActiveRain Blog Post!  You can also write and follow me on Twitter and Facebook, and my Website at:  http://www.genemundt.com. 

*  Please feel free to refer this post and my services, to anyone you know that might be in need of mortgage lending information, guidance, and services.  It will be greatly appreciated!

   

 

 

 

       Want to see a real estate professional or seller really sweat? 

         Mention the word APPRAISAL to them these days ...     

  

     

     As a Mortgage Banker and former professional Appraiser, I can tell you ... APPRAISALS are the number one reason loans are currently being scrutinized so closely by Lenders, Fannie Mae/Freddie Mac, and FHA ... and then eventually deemed "unacceptable files" for repurchase in the secondary market.

    This concern regarding repurchase, accounts for many of the delays, analysis, and scrutiny by Underwriters of appraisals that real estate professionals are experiencing today.

 

    

    How can an agent or broker help alleviate some of this angst?

     Perhaps the most significant help is simply found in the provision of legitimate COMPARABLES (sold and closed, pending, and active) on every listing that has sold and is being appraised.

    What is the definition of "Legitimate Comparable"?

     "Legitimate Comparables" are found within a mile of the Subject Property. If a property such as this does not exist, a comparable could be utilized that is found within: Similar school districts, municipalities, or service districts ... with an attached explanation as to WHY the property is worth consideration.

    In real estate markets deemed as "declining in value", comparables should be sold within the last 3 months.  Stable markets are allowed use of comparables within the last 6 months.

    In unusually slow or stable markets with limited market activity, provision of sold comparables found within the last 12 months can be utilized, but they should be accompanied by a study (Multiple Listing Service/MLSstatistics) on the "stability of values" in that particular market.

    Consideration should be given to the "motivation" of every sold comparable.

    Was the comparable bank owned and sold below market value?  If so, provide the Appraiser the sales history of that comparable. 

                      

     What do you conclude about the "accuracy or legitimacy" of the LAST sale?  Is it fair to use now as a comparable?  What if the property is just one block away from the Subject Property and sold just one month ago?  Also, what if this property is identical to the Subject Property being appraised?  What if nothing else has sold?

    THIS is the dilemma facing Appraisers, Underwriters, and quality control personnel today.  What do you say?  Can the above sale be considered a good indication of market value? 

    Providing back-up statistics and information for properties is sometimes very hard work and very tedious, no doubt.  But the MLS statistics must accompany every listing in every market for the Appraiser.  The risk to your transaction is too high not to do so.

    

     And, if possible, a Survey, Plat of Subdivision, or at minimum ... an estimate of the lot size for the property must be provided to the Appraiser.

     For a CONDO or TOWNHOUSE:  Agents should provide a Legal Description, Declarations or By-Laws of the Association from the Seller, and Contact Name and telephone number of any/all Association or Management Company to expedite the turn-around-time of the Appraisal Report.

    Providing a 5-year history of the Subject Property being appraised (available from your local MLS or Public Records Data Base) is extremely helpful and will give the Appraiser a more complete understanding of how the Subject Property got to the Sales Price listed at a certain point in time. 

    Making sure that the Appraiser has a legible, signed, and complete copy of the Sales Contract is imperative.  It should accompany the MLS Listing provided, as well as the Knowledge of Seller Concessions, Tax Bill, Survey/Subdivision Plat, MLS statistics of the area, and Subject Property's 5-year history.  The inclusion of all this information and documentation should ensure you and the Seller a fair appraisal ... and that is what we seek and prize most in this difficult market.

    Do NOT omit Short Sales, Foreclosures, and other distressed sales from your information submissions. Underwriters have access to more data than ever before.  Pretending that these properties and transactions do not exist will not work in your favor.  Appraisers will end-up having to explain WHY these sales were NOT considered within their report and that definitely slows the process down. 

    My last suggestion?  Agents should educate and prepare their Sellers at Contract Acceptance ... and loan originators should support the theory ... "it ain't over 'til it's over" when speaking of appraisals and appraisal issues. They ARE a hurdle in today's lending approvals. 

 

     Appraisals, and their surrounding issues, do cause delays and transaction problems.  Sellers need to be aware that this can happen and be prepared, so no one is taken by surprise or walking on eggshells.

    Agents now work harder than ever to get properties sold. They CAN support and benefit their Seller's cause, as well as their own, by leaving nothing to chance.  That means taking the time to provide the needed support information, materials, and documentation to the Appraiser that will clear much of the way towards appraisal/file approval.  

 

    With a more thorough understanding of what Appraisers are seeking and need to work-up a beneficial report ... and follow-through in providing that information ... agents, brokers, and loan originators can see more fluid and timely appraisal approvals and transaction stress levels come down.  

  

 

 

 

      Note: Gene Mundt held an Illinois appraising license for over 20+ years and was one of Chicagoland's most prolific and statistically accurate professional real estate Appraisers during that time. 

      This appraising background works hand-in-hand with his mortgage lending and financial planning expertise, and provides his customers and referral partners the complete and thorough lending services they need and desire.

      Should you be in need of mortgage lending, financial planning, or credit repair information and services, please feel free to contact Gene.  He will be happy to provide you the best and most complete assistance possible.   Contact Gene at: gene@chicagobancorp.com.   

    

 

     Perhaps we Americans did not invent volunteerism ... but we sure have put our own spin on it and do it with flair. We do it across the world and close to home. 

     Now, residents of Naperville, Illinois, will have a new opportunity to flex their volunteering muscles.

     The City of Naperville, Illinois is initiating a Municipal Volunteer Program beginning next month. City residents will be able to donate their time and talents to projects and efforts run through this new city program.

     The idea behind this new Municipal Volunteer Program is to enhance and grow city services, while providing residents the opportunity to contribute their talents, build upon their experience(s) and resume'(s), and explore new ideas ... all while helping the city reduce costs or cut expenses. It also offers a great opportunity for local retirees to stay involved and active.

     The Naperville Municipal Volunteer Program is hoping to emulate the success of the 20-year-old volunteer program running at the city's Police Department.

     Naperville, IL Police Chief David Dial credits volunteers with his department's volunteer program with helping to reduce the work load of in-house office personnel, as well as contributing to the safety of the city via community patrols.  The City of Naperville hopes to see many of the same benefits of volunteerism within their program.

     The volunteer duty presently available for consideration by Naperville, IL city residents through the Municipal Volunteer Program is: Operation of the Receptionist Desk at the Naperville Municipal Center.

     Further opportunities for volunteering will be considered for addition and expansion in 6 months after an evaluation of the success of this first task.

     If you are interested in volunteering in this new Naperville IL Municipal Volunteer Program now or in the future, or just wish to keep atop the development of the program, please register for the free City of Naperville e-News at this website address: http://conta.cc/aBN8Qq.  Further information will be disbursed through this media throughout the future.

     If you wish to contact the City of Naperville directly regarding this program, please contact the Community Relations Division, City Manager's Office, 400 S. Eagle Street, Naperville, IL, at (630) 420-6707.

     Expanded opportunities to volunteer are also available for Naperville residents through the continuing Police Department Volunteer Program. If interested in helping there, please contact the Naperville IL Police Department at: Naperville Police Department, 1350 Aurora Avenue, Naperville, IL, (630) 420-6666.