Everyone on my loan team was fantastic. Makena, Chris and Jennifer helped me and my fiancée close on a condo in 32 days! Being first time buyers with complicated incomes, the team was with us every step of the way, helping to guide us and counsel us concerning confusing/frustrating procedures! I’m sitting here today with the sun shining in my new place and I couldn’t be happier. Thanks team!

Ira A., Chicago, IL

Christine worked with us for almost a year while we searched for houses that would require a conventional loan or a renovation loan. She put in a lot of effort to educate us on the renovation loan process and was supportive in our initial home offer with a renovation loan. Ultimately we decided against it, and went for a home that required a conventional loan. She and her team provided superior support during that process and Christine was always very responsive (even late into the evenings). Submitting paperwork and data was very easy using their online system and instructions were always clear. Best of all- they were able to close our loan in 30 days! We would definitely recommend Christine and her team for any home loans.

Andre H., Oak Park, IL

What a smooth process. What I liked most about my experience is how the team explained everything to me and didn’t assume I know what is going on. As a first timer I honestly was completely clueless and it’s hard to admit. The team made me feel comfortable and it is apparent they know how a first time buyer thinks! Thank you Chris and the awesome team!

Monica W., Chicago, IL

Christine was amazing. She was extremely responsive and helpful every step of the way. Thank you Christine for making my home buying experience a great experience!!

Yolanda M., Chicago, IL

My GR team closed my loan early – which was outstanding! I appreciate all the hard work they did on my 203k loan and realize it is so much more work than a normal deal. It was a great opportunity for us to get into a neighborhood we wanted to be in that had little to no inventory. Submitting documents was easy. I liked the secure upload system. The team also answered all our questions and communicated well and responded quickly.

Jeremy A., Oak Park, IL

We were so thankful that the loan process was very smooth and positive. As this was our first home, we were nervous and a bit clueless when it came to purchasing a new home, especially with 203k. Christine, Mark and team were all great people to work with. They are some hard working people who always returned your email/phone call very promptly. We are extremely satisfied with Guaranteed Rate! Can’t thank you all enough!!

Daniel and Victoria A., River Forest, IL

Home renovation loans are a very complicated loan, but in working with Chris and her team, all was handled well and completed on time. Thank you for your efforts in getting us through the loan process!

Brett W., Roselle, IL

We really can’t thank Christine and her team enough. Their customer service was actually incredible. We really felt like we were a priority to them. Extremely thankful for the extra effort they put in explaining things to us in great detail as this was our first time buying a house and were nervous about the whole process. Thank you!

Chris H., Monee, IL

Christine and her team were great to work with. They were very responsive and always available regardless of the time of day (or night, or weekend).

Kelly M., Eaton Town, NJ

We want to say thank you for our new home. We never image that we could be this happy. Our home is perfect for our growing family and we have more room then we could have ever imagined. We already started to make new memories in our home and enjoy viewing all the stars at night. Our kids love their new home, school, friends and are very happy.

We really appreciate all the hard work you and your team did to make our dream come true and give us our dream home. It was a blessing how we discovered you and your program. We could never have asked for a better team nor can we thank you enough for all the hard work you have done for our family.

The L. Family, Plumas Lake, CA

The whole process with Guaranteed Rate from start to finish was just seamless and dare I say easy. I was about to lose the house I had worked so hard to get because my first lender was taking so long and the seller was ready to cancel, but Chris DePaepe and her team swooped in and got my loan done and my house closed in record time. Chris and everyone on her team were courteous, professional, so responsive, and just amazing! They stayed as late as they needed to and got the job done, AND I ended up with the best rate and lowest fees. I felt respected and confident throughout the whole process and never had to wonder what was going on. I am telling everyone about Chris and her team, and they have earned my lifelong business! I owe a debt of gratitude to all of them, especially Chris. My only regret – is that I didn’t start with Guaranteed Rate from the very beginning. We love our new home and from the bottom of the hearts of a very happy mom and her kids: thank you, thank you, thank you for making it happen!!!

Lisa N. Geneva, IL

Chris and Team, everything went fine with the closing tonight and I just wanted to say THANK YOU for helping me throughout this process. You are a great team and you made the process very efficient and easy to follow. This will work out great for my family and thank you again!!!
We can’t thank you enough for all your help with our renovation transaction. We really enjoyed working with you and admire your level of service and professionalism. We know it seems that most people take what your team does lightly, but just know that we are fully aware at how much work goes into this and we are very fortunate to have your team on our side!

Sal & Miranda T., Elk Grove Village, IL

Knowledgeable, patient, effective, and genuinely kind are adjectives not often used to describe people working in corporate America, especially when it involves purchasing a home. The 203k loan is at the top of the list when so many home buyers have it at the top of their “never again” lists. However, Chris and her team have raised the bar in client satisfaction during this challenging loan transaction. You have our sincere thanks and gratitude for helping us create our dream home.

Anthony W., Chicago, IL

We sincerely want to thank Christine for all of her hard work and efforts as our renovation lender. We know our situation was interesting and we didn’t do the simplest loan, but Christine and her team’s attention to detail and knowledge was unmatched. Thank you for getting us to closing!

Kelsey F. and Ben B., Chicago, IL

Thanks to the Chris & her team at Guaranteed Rate! This was my first time buying a home, so I was unfamiliar with the process, how much information would be requested, or that there are so many people responsible for different parts of the process. Although the process was long and arduous, I would still categorize it as a good experience. I very much appreciate the time and attention paid to my case.

Whitney W., Chicago, IL

Chris is unparalleled in her knowledge of renovation loans. She and her team processed my file quickly and efficiently, even when faced with an extremely tight deadline. I cannot speak highly enough of them!

Charles L., Chicago, IL

Chris DePaepe was very helpful throughout the entire process often responding to inquiries late and on weekends. She always had an answer and was dedicated to ensuring I was satisfied. I was very happy with the end result and it was a smooth process.

Andrew

Christine DePaepe and the Renovation Team at Guaranteed Rate were all amazing to work with! They were professional, polite, and always there for me when I needed something to help simplify the process and become less stressful. I could not imagine ever doing business with anyone else for my mortgage needs.

Linda

As you know, we closed on our new home yesterday! At this point, communication typically slows down; at least for a while. However, we feel compelled to let you and the entire team at Guaranteed Rate, to know how grateful we are for your absolute professionalism and commitment in helping our family save the purchase of our home.

Everyone involved knows the bizarre circumstances surrounding the surprise and unfounded denial rendered by the previous lender. Their actions directly caused extreme anxiety and stress for me and my wife (and subsequently our children), as they claimed after clearing us to close that they had no loan product to fit our circumstances and requirements.

The previous lender held application for over 90 days only to deny our loan 48 hours prior to their scheduled closing. The team at Guaranteed Rate took immediate action, ownership and thoughtful control to identify the situation, consider urgency and thoroughly communicate on the necessary steps to get our home loan underwritten, approved and closed in just 34 days.

We want be sure that you know how grateful we are for the hard work in helping us with our home loan. You’ve earned our trust, business and referrals going forward.

Sanders Family

Overall, the fact that I honestly got the feeling that my loan was the one and only loan being addressed, gave me the personal feeling that only exceptional service offers! Thank you Chris and Team!

Christopher

Just wanted to let you know how happy my husband and I are with our house and I can say without a doubt that the journey was so worth it! The renovations are nearly finished and it is more than we could have hoped for!

Rachel

Christine DePaepe and her team worked with me directly and guided me through the process. My loan application was not straightforward and, being a first time home buyer, I had many, many questions at every stage. Everyone was very helpful, understanding, professional and efficient. I am extremely satisfied with the service I received!!! Christine went above and beyond to make sure the application and the approval process goes smoothly. A big thanks!!!

Bilal

It’s been a pleasure working with you Christine! If I know of anyone looking to purchase a home using a 203k finance instrument, I will recommend you highly. The way you communicated and all hours you provided in explaining the process every step of the way, was just awesome! Thank you!

George C., New Lenox, IL

My husband and I secured a Homestyle Loan on a home in need of extensive renovations. When the contractor documentation took longer than expected, the team at Guaranteed Rate had to scramble to quickly close to ensure our seller stayed in the deal. This included lots of late nights and a few Saturdaycalls with Chris DePaepe. We’re very grateful to all the hard work the team put in.

Kedra N., Chicago, IL

Christine DePaepe and her team really helped everything go smoothly. Christine has been second to none. She has patiently answered every question, email, and nonsensical voice mail I left her. She reevaluated the loan and made sure everything worked out when there were some questions regarding the rehab project by switching loan types. She is still helping me and I really appreciate her help.

Helen G., Chicago, IL

I would like to thank you for doing outshouting job in bringing Minal’s very difficult file to closing starting from credit issues to financial issues at the end. I was in mortgage business before, so I understand how difficult it is,especially to work on 203K loan. I am very impressed that you were able to resolve all issues very calmly without blaming others.

We are very fortunate to have you as our renovation Manager and I sincerely thank you for all your support and guidance.

Aswin Patel, Chicago, IL

“The staff was very organized and responsive. Christine and the team were phenomenal, exceeded all expectations, attentive, cordial, professional, very responsive, and stayed on top of the game during the entire loan process! We couldn’t have been any happier with our overall experience during the entire process.”

Marcello T., Chicago, IL

“Every time I had questions, the 203k Team answered each one quickly and they helped me see several steps ahead of where we were so we could keep the process moving along smoothly.”

Ruth S., Chicago, IL

“The team really went above and beyond for us and kept a great level of customer service throughout the whole process. Keep up the good work!”

Robert M., Chicago, IL

“I just want to take the time to thank your team for making our financing process a “better” experience. We started the initial process with another bank in June and then the financing piece had to be changed from a conventional loan to a rehab loan. I work in the banking industry and mortgage representatives are not always the easiest to get a hold of or return calls; but from my initial call and working with your team on an almost daily basis – what could have been a grueling process seemed more bearable. Your team was very attentive, responded to each of my emails by the end of the business day and they always kept me in the loop. Thank you for everything!

Berni C., New Bedford, MA

“We were having issues with our original lender and the due diligence process was taking much longer than anticipated. In an effort to keep the deal together, we reached out to Christine DePaepe to see if there was anything Guaranteed Rate could do to help us. After a thorough review of our situation, Chris and her team determined that they could make the deal work and soon became our official lender. Not only were we relieved, but thoroughly impressed by how quickly Chris and her team took over the process and made things happen. Everyone at Guaranteed Rate was incredibly knowledgeable and advanced our file in impressive fashion. It took roughly three weeks for Chris and her team to assess the situation, perform the required tasks, and provide the financing necessary to close our deal. I work in the commercial real estate brokerage and investment field and was shocked at how quickly Chris and her team were able to perform. I cannot recall a deal where the lender worked so expeditiously. Ultimately, we were incredibly satisfied with Christine DePaepe. She was very knowledgeable of the process and always available to answer any questions. I cannot say enough good things about her efforts and highly recommend her services.”

Brian K., Chicago, IL

“Just a quick note to let you know how happy we are in our new home. Thank you again! You and your staff were amazing throughout the process. I am also sending you a note on our experience with our contractor. They really did a great job with the renovations and worked really well with us. Hope you and your family are doing well, and we are so happy we got to work with you.”

Ed & Ann B., Lincolnshire, IL

“We were able to close successfully on the property, and it is now officially on the record with my name. Thank you very much for your wonderful help. We could not have done it without your help and your team’s wonderful effort.”

Joe M., Milford, MA

“Everything was quick quick quick! I really liked that! Christine’s wonderful, anytime I had questions she always helpful. I emailed her late one night and even then she got back to me! The team was great, I worked with them a lot, and they were always there to help!”

Cynthia S., Chicago, IL

“Christine and her team were true professionals. My loan had extremely thorough guidelines, but Christine took the time to explain the process in detail and made sure I understood the ins and outs of this loan. We closed on-time and there were no surprises at the closing table. Christine and her team were always available to answer my questions and overcome any problems that came up. Guaranteed Rate really takes a team approach” to getting your loan closed and keeps you up to date on the status throughout the process. I had a great experience with Guaranteed Rate.”

Christopher N., Dorchester, MA

“We are beyond grateful for all your help and guidance throughout one of the most important times in our lives. While we realize it was a long road, we are certain this new home was meant to be. You are awesome! Endlessly grateful. Thank you kindly.”

Vanessa and Francisco P, Chicago, IL

“We just got the keys to our newly renovated home and are moving in tomorrow. Thanks for picking up the reins and helping us out so thoroughly throughout this process when the other lender could not get things to work out with our home loan. We were very impressed with the quality and timeliness of you and your team’s work. I will strongly recommend you to friends and family.”

Justin F., Chicago

“Everyone at Guaranteed Rate was wonderful to work with! This was our first home purchase and did not really know what to expect. Chris DePaepe and her team were on top on everything and very responsive. We were waiting for a short sale, and when we finally received approval, they were able to close our sale in less than two weeks! Highly recommend!”

Abigail J., Chicago, IL

“Alex and I cannot thank you enough for the time and effort it took to make our 203k loans happen. It certainly was a rollercoaster to get to this point, but we are so grateful for your professionalism and expertise. It has been a pleasure working with you and your team. We will keep you updated on our renovation progress!”

Janine W., New Haven, CT

“We met with Guaranteed Rate in early November to learn about the Full 203K loan program as an approach to building our affordable modern dream home by renovating an existing house. Chris Depaepe explained how the program could meet our needs and pre-approved us within a day. She also put us in touch with FHA consultants and contractors who have experience with this type of loan. Our situation was complex because of seller building violations, a pending court case with city, title issues etc. … From our first meeting all the way through closing Chris DePaepe, Chad Takach, Sadie Morales, Liz Ayala, and the Guaranteed Rate 203k Department guided us through every step of the process. We successfully closed in late January and are making preparation to begin construction on our new home. We are grateful to the Guaranteed Rate 203k Team for making this happen!”

David W., Chicago, IL

“Chris, I just wanted to say thank you so much for all the help with our refinancing. Although there are always some small bumps in the road with all of the new mortgage guidelines, I am confident everything will be resolved with you on the case. This is our 4th loan with you working with us personally each time and again, your expertise would not have gotten our loan done. Thanks again.”

Perry G., Chicago, IL

“We are very pleased with the level of outstanding customer service. We could completely trust Christine and the staff to get us the best possible product and the best rate available. Christine kept us informed throughout the process and communicated the most important facts related to every step. Most importantly, due to the skill and professionalism of everyone, the approval process was stress-free and there were no surprises at closing!”

Riikka & Tony H., Chicago, IL

“As first time homeowners, my husband and I were a bit intimidated by the process. Being renters since our college days we had been accustom to a renter’s state of mind. We understood rent, we did not understand what a mortgage was. All we knew is that we wanted a 3+ bedroom house that was in need of some cosmetic upgrades. We didn’t know what we could afford or what type of loan we would be approved for. Basically we were completely oblivious to the entire home buying process! With the small amount of savings we had, which the majority going towards our down payment, we did not hit the conventional 20% down. We were first time homeowners who needed a loan that required a smaller down payment and allowed us to include whatever construction costs into our overall mortgage. Thankfully our realtor introduced us to the 203K loan product and Christine. It was a great fit to what we were looking for. It allowed us to only have to put 3% down, included our construction costs, reserved a contingency for “ just in case” instances and allows us to refinance when the work is all done into a conventional mortgage which will eliminate our PMI. There are only a few professionals in Chicago who know how to properly process a 203K and Christine is the best! Working with Christine made this a positive experience. She has tons of experience which allows her to keep organized and efficient therefore keeping you calm. We were pleasantly surprised on how controlled and simple the process was. Yes, there was paper work but it wasn’t very daunting because Christine made sure we had all our i’s dotted and t’s crossed. Christine even helped us find a qualified contractor and building consultant to work with. Our house is currently under construction and we are very happy with the results. In the end, we purchased a 4+ bedroom home for $187,000 with $60,000 in construction costs and are pleased to say it has appraised for $360,000. We could not have asked for a more incredible result. We can’t wait for the work to be complete so we can refinance with Christine! We have recommended the 203K loan to all of our friends that have started their home search! Happy house hunting!”

Susan H., Chicago, IL

“I was referred to Chris DePaepe for the purchase of my first home in January 2010. In the midst of a challenging recession, I knew it would take a great loan officer to help me secure my first mortgage. Chris was smart, fast-paced, informative and aggressive in securing all available options for me. In the end, she secured an FHA loan by clearing a number of hurdles with my condo association. Since that time, she has excelled in maintaining a strong professional relationship and in fact held a fundraiser in her home to benefit the nonprofit organization that I run.”

Rob, Chicago, IL

“In this difficult housing and credit environment, Chris DePaepe has been a miracle worker. In the sale of my $800K “condo” brownstone home in Glenview in 2009, my well-qualified 40% down payment buyers were unable to obtain a mortgage due to condo mortgage complications. And so the Buyers planned to walk. Per the mortgage contingency clause in the contract, I referred them to Chris DePaepe. Although they were initially unwilling to cooperate, Chris worked hard to earn their trust. Throughout, and at Buyers request, she maintained their confidentiality. Ultimately she delivered a niche mortgage product that met the needs of the Buyer. After my sale finally went through, I was also able to secure the home of my dreams in Burr Ridge, IL with Chris. Nobody believes this story!”

Anas O., Burr Ridge, IL

“I cannot speak highly enough about Christine DePaepe. At our first appointment, she reviewed each and every paper with us, answering our questions and informing of us of the process that lay ahead. Our file was very difficult due to the property being a short sale and the seller and agent were based in California. Christine worked tirelessly, advising us, and ensuring that we had all the appropriate documentation in place to secure the loan. At her recommendation, we applied for the FHA construction loan; at her referral we met an FHA Consultant and we are now able to fully remodel our kitchen! We had significant difficulties with a an estimate from a general contractor we were considering. Christine was able to refer us to another contractor, who scheduled a new consultation appointment in the same day! Christine helped us navigate a very tedious process with professionalism, ease and tenacity. She gets the job done well and quickly. I would highly recommend her for your mortgage consultation services. We will definitely work with her again for our future mortgage and refinancing needs!”

Amber S., Chicago, IL

“From beginning to end, the process was handled very professionally. We had tremendous confidence in Christine DePaepe.”

Suzanne H.

“Thank you to Chris and the team for the diligent and professional service!”

Michael S.

“Christine DePaepe and her team were really helpful throughout the process! They were timely and communicated very well!”

Siddharth M.

“Christine was fantastic! She was knowledgeable and capable of handling all of our questions in a timely fashion! ”

Ernest W.

“Christine DePaepe was very meticulous and kept us apprised of what to expect. Guaranteed Rate worked with us to successfully close on the loan we needed.”

Yvonne W.

“I was taken care every step of the way. After hour phone calls with Chris DePaepe, a hand delivered application and emails between the team whenever anything came up was so helpful to me. I really felt like they cared! It was just outstanding customer service, very knowledgeable – they made it easy for me. Also, Chris came up with ideas and solutions quickly. She really knows her stuff!”

Jason F.

“Christine DePaepe and her team were phenomenal and made process simple and smooth. Ease of going through this loan and their expertise. Professional, responsive, knowledgeable.”

Tara K.

“Guaranteed Rate allowed for me and my family to purchase a home using a 203k mortgage and the process was very smooth. Christine Depaepe was really helpful and accurate in her predictions. She always called back when I had questions and was fast in any necessary responses. Christine’s team were extremely helpful and comfortable with the process. Every snag that we came across was handled quickly and effectively.”

Edward B.

“I have purchased a few homes in my lifetime and Guaranteed Rate was the easiest mortgage company to work with. They made our process seem much quicker with their fast response time and professionalism. Christine DePaepe and her staff really knew what they were talking about in order to expedite the process. I cannot say enough about how helpful Guaranteed Rate was. If you are considering any home purchase, do not hesitate to call them!”

Ann B.

“Closed within the deadline. All questions and concerns were answered quickly.”

Jason L.

“This was a huge purchase to me. Christine and her team went above and beyond expectations by answering questions, making themselves available outside of business hours and explaining the process several times so that I understood it. I felt like they truly were looking out for me! Because of their knowledge and expertise, they made me feel at ease. ”

Shannon M.

“Everyone at Guaranteed Rate was wonderful to work with! This was our first home purchase and did not really know what to expect. Chris DePaepe and her team were on top on everything and very responsive. We were waiting for a short sale, and when we finally received approval, they were able to close our sale in less than two weeks! Highly recommend!”

A.B.

“Working with Guaranteed Rate was an overall great experience. Christine was very efficient with working with our situation, our timeline and ensuring the process was moving along in a reasonable timeline. She and Jennifer were very on top of it and we couldn’t have done it without them!”

Kelsey F., Chicago, IL

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