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Henry Apfelbach

VP of Mortgage Lending
320 W. Ohio St, Ste 410, Chicago, IL 60654
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NMLS: 272113
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About Henry

08/13/2016 will be my 30th year anniversary in the mortgage industry. It seems like just yesterday. I started at Illinois Mortgage Associates where I was the top producer every month for my five years there. The next five years were at Harris Bank Glencoe, my hometown, where I was all of Chicagoland's top volume producer all five years. The next seven years were spent as Sr. VP, founding and running the mortgage department at North Shore Community Bank. Then I went on to run the North Shore and Gold Coast offices for Wells Fargo Home Mortgage. Twice awarded Manager of the Year and Leaders Club member. A lot of great memories. I now find myself at the best mortgage company in the country, period.

Henry interview Q&A

Who is your typical customer and what questions do they typically have?
I have a wide range of customers, from first time to second homes. Interest rates are always the first question. Educating my clients always leads to many more, like program availability.
How has the mortgage industry changed since you started, and what would you expect in the future?
The four basic principals still, and always will, remain the same in obtaining a mortgage. Income, Assets, Collateral, and Credit. Technology has been the constant change, and it's great! Guaranteed Rate's Digital Mortgage is leading all markets in streamlining our complex industry.
What can borrowers do to insure a smooth mortgage underwriting process?
The organized VP and Borrower ensure a smooth process. Our system here at Guaranteed Rate allows a safe and secure path to deliver required documentation. Our team structures every loan prior to submitting into underwriting.
Summary of where you grew up: family, affiliations, college, high school, etc.
I was raised in Glencoe and attended New Trier East. My education continued on the slopes of Crested Butte and then University of Illinois Chicago. I have two amazing daughters, both finished college, live and work in the city.
Tell us something that makes you unique or something wacky, yet interesting about you?
I am always in search of "the best". The perfect martini. The best golf course. The best Mexican restaurant. The best beaches.

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