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16 | September 7, 2017 | 22nd century media home improvement Guide<br />

22ndCenturyMedia.com<br />

River Road Tops has offered<br />

custom cabinets<br />

and countertops since 1994<br />

River Road Tops first opened its<br />

doors in Lemont in 1994. Since<br />

then, they have expanded their<br />

space and business and moved to<br />

Lockport, 3341 S. State St. They<br />

are a family-owned and operated<br />

business that has been open for 18<br />

years.<br />

Their expanding showroom<br />

is designed to showcase several<br />

different materials, colors and<br />

designs that are available. They<br />

extend quality service to their customers,<br />

as well as offer custom and<br />

personal advice on home design.<br />

They specialize in custom<br />

cabinets and countertops for any<br />

residential or commercial space.<br />

Offering custom cabinets and<br />

countertops means having a lot<br />

more space, as well as several different<br />

options. They present their<br />

customers with a wide variety of<br />

products. Besides cabinets and<br />

countertops, they also specialize<br />

in custom kitchens and baths, entertainment<br />

centers, fireplaces and<br />

wall units. They are proud to present<br />

their customers with quality<br />

materials, such as granite, marble,<br />

quartz, limestone, solid surface,<br />

laminate and more.<br />

They feel their business is only<br />

as good as their satisfied customers.<br />

Most of the work that has been<br />

done at River Road Tops is through<br />

referrals from all of their satisfied<br />

clients. The owner, Richard, helps<br />

one throughout the entire process.<br />

Whether it may be picking out a<br />

material, style or even color, Richard<br />

feels that working with the customer<br />

from start to finish leads to<br />

the right design.<br />

Submitted by River Road Tops, 3341<br />

S. State St. in Lockport. For more<br />

information, visit www.riverroadtops.<br />

com or call (815) 723-8700.<br />

American Financial Network helps<br />

customers get their best mortgage<br />

Todd Probasco, regional<br />

manager mortgage banker with<br />

American Financial Network in<br />

Orland Park, enjoys helping his<br />

clients with buying or refinancing<br />

their homes.<br />

“I love real estate, the mortgage<br />

industry and helping my<br />

clients achieve their goals,”<br />

Probasco said.<br />

When it comes to getting<br />

a new mortgage, Probasco<br />

said there are several factors<br />

a homeowner should take into<br />

consideration when choosing a<br />

new loan.<br />

Is the loan officer State-licensed?<br />

Banks, credit unions<br />

and individuals are not. Licensed<br />

mortgage bankers must<br />

complete a comprehensive<br />

mortgage license education<br />

requirement, pass a national<br />

exam, have credit and background<br />

checks completed and<br />

maintain continuing education.<br />

Evaluate mortgage options.<br />

There are several different<br />

types of mortgage programs<br />

available based on length,<br />

fixed versus adjustable, down<br />

payment and rate. Customers<br />

should have the licensed loan<br />

officer go over all of the options<br />

to see what is best for them and<br />

their real estate goals.<br />

Experience. This is very important,<br />

because when getting<br />

a new mortgage, customers are<br />

probably dealing with the largest<br />

business transaction in their<br />

life. Make sure the licensed<br />

loan officer has the years of experience<br />

and knowledge to help<br />

customers complete their transactions<br />

smoothly and easily.<br />

Is the licensed loan officer<br />

local? When getting a new<br />

mortgage, it is best to deal with<br />

someone local who knows the<br />

market, can meet in person, has<br />

local references to be reviewed<br />

and is available when the customer<br />

has a question. Dealing<br />

with an 800 number or website<br />

out of state can create issues in<br />

communication and execution.<br />

Submitted by American Financial<br />

Network’s Todd Probasco. For<br />

more information, call (708) 205-<br />

2983, email toddprobasco@gmail.<br />

com or visit www.toddprobasco.<br />

com.<br />

CUSTOM CABINETRY & COUNTERTOPS<br />

WWW.RIVERROADTOPS.COM<br />

GRANITE • QUARTZ • MARBLE • SOLID SURFACE<br />

LAMINATE • FREE ESTIMATES<br />

3341 SOUTH STATE ST. • LOCKPORT, IL 60441<br />

815.723.8700<br />

See store for details. Expires October 1, 2017<br />

VANITY COUNTERTOP<br />

REMNANT<br />

SALE!<br />

Starting at $32/sq. ft.<br />

*Additional charges may apply.<br />

See store for details.<br />

Trader<br />

FREE DOUBLE BOW L<br />

STAINLESS STEEL<br />

KITCHEN SINK<br />

With purchase of 45 sq. ft of countertop<br />

Free removal & disposal of existing<br />

countertops<br />

Offer Expires October 6, 2016.<br />

Not good on exisiting purchases.

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