Lidia Baciu Mortgage Loans

Lidia Baciu Mortgage Loans Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Lidia Baciu Mortgage Loans, Loan service, 2700 Patriot Boulevard, STE 101, Glenview, IL.

Licensed Mortgage Loan Officer | NMLS 2391725
✅Illinois ✅Florida

🏡 First-Time Buyers | Refinance | Investment

📞 Call/Text: (773) 818-5122
🗣 English • Romanian • Russian

🏡 Mortgage Recasting ExampleHave extra cash and want to lower your monthly mortgage payment without refinancing?Here’s a...
08/26/2026

🏡 Mortgage Recasting Example

Have extra cash and want to lower your monthly mortgage payment without refinancing?

Here’s a simple example:

Mortgage balance: $400,000
Interest rate: 6.5%
Remaining term: 30 years
Principal & interest payment: about $2,528/month

💰 You apply $50,000 toward the principal and request a recast.

New balance: $350,000
New principal & interest payment: about $2,212/month

✨ Estimated savings: $316/month

Your interest rate stays the same and your remaining loan term stays the same—the payment is recalculated based on the lower balance.

Recasting is commonly available on many conventional loans, but requirements, minimum payments, and fees vary by investor and servicer.

📲 Have extra cash? Before refinancing, ask your mortgage servicer if a recast is an option.

Example for educational purposes only. Actual payments and eligibility vary.

MortgageLoanOfficer

🏡 Who may qualify for a mortgage recast?A mortgage recast may be an option if you have a conventional loan and want to m...
08/26/2026

🏡 Who may qualify for a mortgage recast?

A mortgage recast may be an option if you have a conventional loan and want to make a substantial lump-sum payment toward your principal.

With a recast, you may be able to:

✅ Lower your monthly mortgage payment
✅ Keep your current interest rate
✅ Keep your remaining loan term
✅ Avoid a full refinance and much of the paperwork

Important: Recast eligibility, minimum principal payment, and fees depend on your loan investor and mortgage servicer. FHA, VA, and USDA loans have different rules and should be reviewed individually.

💡 Have extra cash from a bonus, inheritance, sale of another property, or savings? Before refinancing, ask your servicer whether recasting is an option.

📌 Save this post—you may need it later!

MortgageLoanOfficer HomeFinance

08/26/2026

Everyone knows about refinancing, but have you heard about mortgage recasting? 🏡

Two homes can sit at the same $500,000 price and ask for completely different lives.One may have lower taxes, no associa...
08/21/2026

Two homes can sit at the same $500,000 price and ask for completely different lives.

One may have lower taxes, no association, efficient utilities, and systems with years left. The other may carry a larger loan, higher tax bill, older roof, heavier utility use, and monthly dues.

The listing price gets them into the same search filter. It does not put them in the same budget.

Save this for later.

Send it to someone who needs to see this.



— Lidia Baciu, NMLS2391725 your go-to mortgage broker in Illinois and Florida.
Call/text: 773-818-5122



• comparing home payments





A strong contractor conversation makes the invisible parts visible before demolition begins scope, exclusions, products,...
08/20/2026

A strong contractor conversation makes the invisible parts visible before demolition begins scope, exclusions, products, permits, payments, changes, and delays.

Save this list before the first estimate and compare the answers, not only the final price.



— Lidia Baciu, NMLS2391725 your go-to mortgage broker in Illinois and Florida.
Call/text: 773-818-5122





• kitchen remodel questions • home renovation planning





08/19/2026

If saving for a home feels slower than you expected, that does not mean you are lazy or bad with money.

Rent, education costs, debt, groceries, and everything else compete for the same paycheck. The answer is not more shame. It is a plan built around your actual numbers and timeline.

Comment “PLAN” if you want help finding a realistic first step.



— Lidia Baciu, NMLS2391725 your go-to mortgage broker in Illinois and Florida.
Call/text: 773-818-5122





08/17/2026

Compare the full cost, not only rent versus principal and interest.

If you are considering buying, review:

Time horizon: How long are you likely to stay?
Cash needed: Can you cover the down payment, closing costs, and an emergency reserve?
Full monthly payment: Include principal, interest, taxes, insurance, and any HOA fee.
Ownership costs: Budget for maintenance and repairs, not just the mortgage.
Flexibility: Would a move, job change, or life transition make renting more practical right now?
Homeownership can build stability and equity, but only when the full plan fits. A real comparison uses your timeline, local prices, rent, cash reserves, and complete ownership cost.

Send this to someone who needs to see this.



— Lidia Baciu, NMLS2391725 your go-to mortgage broker in Illinois and Florida.
Call/text: 773-818-5122



• mortgage payment planning





Falling for the kitchen is easy. Falling for the payment deserves a second look.A home can feel perfect and still be wro...
08/15/2026

Falling for the kitchen is easy. Falling for the payment deserves a second look.

A home can feel perfect and still be wrong for the cash you need, the monthly cost, or the rest of your life.

The exciting part is finding the house. The useful part is knowing the numbers before emotion makes the decision for you.

Message me “PAYMENT” if you want to build the payment plan before you tour.



— If we haven’t met yet, I’m Lidia Baciu, NMLS #2391725 your go-to mortgage broker in Illinois and Florida

Call/text: 773-818-5122


• mortgage payment planning • home buying budget





Freezing your credit can be a smart security step.It can also create a frustrating first-day delay when you are ready to...
08/14/2026

Freezing your credit can be a smart security step.

It can also create a frustrating first-day delay when you are ready to apply and the required reports cannot be accessed. A quick check before the application can keep the process moving.

Ask the mortgage professional reviewing your application:

Which credit files need access
When the lift should begin
How long access is needed
When you can safely restore the freeze
Save this before applying.



— Lidia Baciu, NMLS2391725 your go-to mortgage broker in Illinois and Florida.



• credit freeze mortgage application • mortgage credit check





Address

2700 Patriot Boulevard, STE 101
Glenview, IL
60026

Telephone

+17738185122

Website

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