Joel Schaub is your Chicago local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Joel is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Joel at (773) 654-2049 for more information!
| Monday 9AM–5PM Tuesday 9AM–5PM Wednesday 9AM–5PM Thursday 9AM–5PM Friday 9AM–5PM Saturday Closed Sunday Closed |
3940 N Ravenswood Ave, Chicago, IL 60613
Horrible customer service.
Friendly environment. Creative work place
If there was a way to give this zero stars… I would.
Not a professional company at all.
Horrible company! I would never recommend to anybody. No follow up, no returned phone calls. Stay away from them!
This company does not have interest in its own agents that make them rich.. pathetic.
Worst experience ever working with this company. So sleazy. Do not work with these people.
I ate on the rooftop, it was beautiful. I just started. The gym and people are fabulous.
Still sending me junk mail after 2 years
Very easy to use website. The loan process is pretty easy to understand and get the funding you need.
Having just announced the release of their Digital Mortgage, GuaranteedRate is on the cutting edge of the mortgage industry!
Horrible, errors, the worst, do not use Karol Grzesiak, no attention to detail, lazy, liar, poor attitude, bad company culture, inept,
unresponsive, uncaring, avoid this disorganized company.
Stay away. They used my escrow funds and paid the wrong property taxes with it and can’t resolve it. Awful customer service!
Said we were approved several times then when it went to the underwriter it was rejected. Cost me $1500 for absolutely nothing. Horrible customer service.
Rude recruiters dont know what their doing.
Rude Mortgage Originators.
Rude Everything …
Fantastic experience. No surprises. Closed on time no problem!!!!
The worst!!!!! Natasha “Vice President” Very irresponsible very unprofessional asked for bank statements numerous of times and all for nothing took them 4 months to make a decision and all to come down to a denial
It’s very telling when Guaranteed Rate employees are writing positive reviews to offset the negative ones. Glad I saw this before I submitted an application.
Wouldn’t use them.. Big company, nice people, but VERY unorganized and unprofessional.. I had an approval for $150,000 for over a month and was searching for homes, found one, bid on it, only to find out the whole time that they “messed up” …
As a Realtor, working with Joe Caltabiano of Guaranteed Rate is always a delight. He’s amazing at his job, and it shows – nothing slips through the cracks. Ever. …
Bought my 1st home with them. They made it all happen and let me know everything I needed. They always sent everything and double checked with me throughout the whole process. Also worked great with my realtor.
Karol Grzesiak of Guaranteed Rate evidently does not understand the concept of time. He either lies about when he will respond to you or breaks his promises. I can only assume that the entire company is the same. He really let me down.
Tracey Naughton at Guaranteed Rate provided us a HARP refinance that saves us hundreds of dollars a month. It was a bit complicated because of our special situation but she kept digging until she found the right solution for us. Definitely …
The team is always professional and responsive making the process so easy.
Karol Grzesiak at Guaranteed Rate is the worst. Any company that does not fire him is not to be trusted. I wouldn’t trust this guy to flip my hamburgers at McDonalds. He needs a job busting rocks with a sledgehammer far away from me and mine where he can cause no damage. Worthless company. Losers.
Had no clue what i was doing and they made it very easy for me
Just closed on my condo today! As a first time home buyer, I could have not asked for a better experience. Michael Cain and his team ensured on-time delivery despite some minor hiccups in the process. Michael was always available via phone …
I started off with Michael Curtin. He did nothing but gave us the round around and said we had no cost on this and no cost on this which was a lie. He was terrible at communicating and took forever to give us any answers and he seemed like …
6th biggest mortgage company in the country and Chicago is its home! I wouldn’t get a mortgage anywhere else. Lowest rates, and the most amazing customer service by a group of vibrant, sharp, positive people. The online technology here also …
District Manager Jim does not return phone calls – typical case of discrimination and in professionalism. Avoid this company at all costs as their bait and switch approach is unethical…. also contacted corporate office – both Christopher …
If I could give negative stars I would. What an absurd business. I went through pretty much the entire refinance process to find out they can’t refinance my home. First of all the mortgage “specialst”, as they call themselves, was next to …
I worked specifically with Eduardo Acevedo who never gave up no matter what obstacle suddenly appeared. He was attentive, knowledgeable and always,always pleasant and with a good sense of humor. It was a rather bumpy ride for reasons not …
They really did us a disservice. They delayed our recast for 10 weeks, until they could sell the mortgage. Then we had to start the process all over with the new bank. What should have been simple turned into a 5 month ordeal. I would avoid them if at all possible.
Karol Grzesiak from Guaranteed Rate REALLY let me down. Don’t believe the fake positive reviews found on the corporate website. I left negative feedback there also and it was not included. Horrible company (now I sound like Donald Trump but …
Absolutely failure. Rick Souza did not return a single call or email which caused in 3 delays for closing. The only reason this deal went through was because I threatened to kill the deal if they did not close on the property by the end of the month. Never have I dealt with such a horrible lender.
Generally good service from a friendly team. They have the experience to seek out the best possible rates, and advise on when to engage them. However, if your mortgage is subsequently sold to another financial institution, then you lose the rapport that Guaranteed Rate tries to build during the process.
Aweful experience in terms of service, follow-up and overall experience. I would not recommend to anyone (at least the Louisville KY office). My loan was submitted on May 25 and I was told by my loan mgr Daniel Dunlop that I should expect …
I did a refinance with guaranteed rate and was very pleased with the whole transaction. My loan officer did a really good job at not bothering me much with calls and we closed pretty quick. Get loan officer rich mcglaughlin if you can find him. Very easy to deal with. Will use again if needed.
I got a good rate better than the bank gave me. The Sam Sharp and his team (Chicago) were very competent. Sam explained to me all the requirements and process that will happen. They also helped me get the 7.5K Welcome Home Illinois …
The main reason my husband and I did a streamline refi is to get away from Freedom Mortgage and I was told by Rebecca Trovitch VP of Mortgage Lending that it would never get transferred to Freedom Mortgage because Guraranteed Rate didn’t …
Zero starts if possible. Worst service ever. Joe B** and David M**** handled my refinance application extremely poor. 1-2 week delayed responses via email, never answered phone calls or return calls. Our documentation was not shared completely with the Underwriter. DO NOT USE Guaranteed Rate.
Totally inept and unresponsive. Refi a few years ago with GR was easy and professional. Returned for investment mortgage. It was complicated so they sat on it. Blew agreed to closing date and caused a contract default and penalties. GR …
Not sure what the issue is with these people. Was contacted by one of their employees and discussed a refinance. The guy was supposed to call me back later that day and he was an hour late calling so i missed his call. I called him back and …
It Started out good with these guys, seem to be on top of things. Every time I called John Berger he had to ask me about my income and assets over and over again. Every time I called, which I did most of the calling, it felt like I was …
GR and Eric Schaffer were amazing! They dealt with me changing my loan and constant questions.
WOW & THANK YOU!! That is all I can say when it comes to Guaranteed Rate and the fantastic people that helped put my family into our 2nd home. I purchased my 1st home 2.5 years ago & recently sold it and purchased another one and the …
Their business model is based upon volume. The people I interacted with were pleasant but often took an inordinate amount of time to respond to any queries. They were unable to secure a loan which I personally was approved for because …
Jeff Amorim is the best in the mortgage industry, We were cleared to close in 2 days!
Brady Spangler and team set the standard for professional excellence: timely and concise communication, personable interactions, and a consistently seamless experience.
They were very communicative and quick to process my loan. The whole process was very smooth and easy.
Horrendous customer service. Repeatedly had to communicate my preferences for loan terms. Closing documents contained multiple errors which I caught and corrected through multiple revisions, including on the date of closing which could have …
I started a refinance loan application in August 2020 with a projected close date of 10/9/2020. Communication was horrible and that date was missed without any information being relayed to me. Making the mistake that my rate lock had …
This is a warning for anyone thinking of using Guaranteed Rate for their next home purchase. Our experience with Guaranteed Rate Affinity and Scott B. Rosenberg (Loan Officer – NMLS# 15986471) was horrendous. Dealing with our loan officer …
If I could rate less than a 1 star i would, this company is completely unorganized…it appears that none of the representative know the company practice or standards. If someone were to review the recorded conversations I’ve had with them, …
I have used the company two times. They are great and fast. I have a complicated tax return, and they navigated it perfectly with few questions. I will use them again.
We started our refinance process with Owning in January and from the initial email correspondence we had with the loan originator, it sounded like we would be able to close the refi within a month, if not even sooner. During this process …
Absolutely the worst experience I have ever had with a bank, mortgage, or financial company. Started process to refinance a home in May of 2020. Took until late December to get to a closing. On Closing day they sent the Notary to a home …
Patti and Terri and her team went well above and beyond what I expected in a first-time home buying situation. I would highly recommend and will definitely call them first when I need to get a new home
In the two weeks it took them to get a hold of me since starting my application, I was able to secure financing though another lender. …
Guaranteed rate was great to work with. They worked hard to get us what we needed and communicated well along the way. Thank you for your help and service.
Working with Guaranteed Rate was simple and fast. The overall process was made easy by the great staff.
Thanks
I had a great experience with Jason and the entire team. Very professional and catered to our needs, location, budget, timeline. Jason and his team turned an otherwise stressful experience to a very seamless one! Thanks Guaranteed Rate!
Amazing customer service! We developed a great relationship with Douglas and his team was also excellent. They made a stressful, complicated process feel easy and relaxing. Highly highly recommend.
I personally had a very positive experience working with Guaranteed Rate. The team was professional and very communicative. I felt like I always had someone who could answer my questions if needed.
They helped me get a loan in a very efficient manner. I’m a Realtor in Colorado and my purchase was in Florida and it couldn’t have been any smoother. Thanks!
GR has been extremely helpful through the entire process of applying for a loan, closing on a house, and scheduling payments. They were also very understanding about cancelling a late fee that accrued due to a misunderstanding in scheduling …
Alex Filin’s Team was amazing and was always one step ahead of everything. We couldn’t believe how smooth the process was. Their online application process streamlined everything. They were super professional and kept us informed the whole …
GR and my loan officer went above and beyond, and made the entire experience very seamless for us. I was able to lock in a rate prior to rates quickly rising, and the ease of signing documents through flashclose and other online methods made our closing seamless and quick.
I really debated posting this review, but our closing had been so botched by Guarantee Rate Affinity and Tina Lomard, our loan officer. I don’t want this to happen to anyone else, and ultimately I just want the $500 I was told I’d receive …
Adam Slack and his team at Guaranteed Rate in Wilmington NC are consummate professionals. They have refinanced several of our properties (we have rentals), as well as our primary and 2nd homes. Communication is excellent, they help make …
I highly recommend Guaranteed Rate. The team was most responsive. Sean was so helpful in guiding my mortgage planning process. Very knowledgeable. Good rates. Cannot say enough good things about GR!
I worked with stephen and his team in July and WOW what a great experience… they were professional and friendly.. answered all my questions quickly and made the entire process smooth from application to closing !! I highly recommend Stephen and his team at Guaranteed Rate.. purchase .. refi.. they know it all !!
I had some weird things pop up on my mortgage that i needed help understanding, so i stopped by here to get some clarification. The people here were so insanely helpful and nice. It’s nice knowing i can get this level of care from a large company. Thank you!
Working with Luke Wroten was such a pleasure. We were able to secure home mortgage and closing in about 3 weeks and the whole process was smooth and timely. Thank you Gauranteed Rate.
We have worked with Kevin Gillis and his team many times and cannot recommend them enough! They answer all of our emails and calls quickly and always make sure to explain what they will need and when they will need it, which is important when you are making the biggest purchase of your life.
Our experience with Guaranteed Rate and Charles Olguin, the branch VP in Albuquerque, NM, and handled our loan was unprofessional and not at all what we expected. The housing market explosion and loan request increases over the past year …
The short version is that I was able to close on my mortgage, but compared to friends and family my experience was much less stressful. From the very beginning, Sue and her team worked to make this as easy as possible for me. I was able to …
The location I was buying had a very difficult HOA but Guaranteed rate struggled through the long process & never gave up. Honestly they weren’t my 1st choice but my 1st choice seen the difficulty in giving a FHA loan in a large condo …
As a first time homebuyer, buying a house always seemed scary and hard. This was the easiest process ever and we found ourselves waiting on the seller because Joy and her team got everything done asap. I appreciate the quality and professionalism.
They really came through for us especially our broker, Ed Valadez. Our newly built home was supposed to be done in March, then in May and it was finally done in July. They stuck with us, gave us good advice about when to lock in and get the necessary extensions. They were very easy to work with and the communication was excellent.
We had a great experience working with Hani Ali and his team. They are professional, responsive and took the time to answer all of our questions. As a first-time home buyer, we thought that the process would be scary, but Guaranteed Rate did a great job and made the process very smooth.
Thank you
I was really impressed with the communication and customer service from Brian Manning and the Guaranteed Rate team. He was in constant contact with us throughout the entire process, even during the many months it took us to finally be under …
I had a great experience with loan officer Maria from Massachusetts. She has excellent customer service and was with me through the entire process. I wish GR locked rates as early as others but I went with them anyways because Maria was great to work with.
We worked with Mike Vlamis and his team at GR for a first-time mortgage and could not have been more satisfied with our experience! Mike was very helpful in explaining the process step-by-step and took the time to make sure we understood …
I had a fantastic experience engaging with Guaranteed Rate. They not only gave me the best rates, and advice for picking up the right mortgage in one of the toughest markets in the US history, they were also thoroughly professional all …
They handled everything we needed or directed us clearly on what to do. They also did an amazing and courteous job keeping us on track to be sure they got the information they needed to do their best for us. Whenever we had a question or …
I wanted to let you know how happy my husband and I were working with Garret Groenveld. …