GuaranteedRate - Mortgage Company

Joanne McGinnis

Vice President of Mortgage Lending
3940 North Ravenswood, Chicago, IL 60613
Contact Joanne
NMLS: 273612
Ready to start your Digital Mortgage?
Apply now

TestimonialsCustomer testimonials Read more

Loved working with Joanne McGinnis and her whole team including Jamie and Mayra who were amazing and very helpful when I had plenty of questions or did not provide everything the first time. They were patient, understanding and very easy to work with. I would work with Guaranteed Rate and Joanne's team again in a heartbeat!

William B. | July 2017

We are repeat customers and have referred Joanne McGinnis to both of our kids for mortgage services. Thanks Joanne.

Stephen L. | November 2016

Joanne did a great job of communicating, and I got the deal she promised. Thanks, great work!

William L. – Chicgao, IL | Nov. 2016

From the very start of the process we felt that Joanne and her team would do everything they could to get exactly what we needed. Overall a great experience. Thanks!

Brian O. – Libertyville, IL | JUL. 2016

Joanne was great! I've already referred her to a friend of mine! Thanks!

Steffanie D. Glenview, IL | JUN 2016

Wanted to thank Joanne McGinnis for all of her help explaining various mortgage options and patiently answering all of my questions. Great customer service.

Ted O. - Chicago, IL | Yelp Review

Joanne McGinnis made it as easy as possible and I loved the online access and ease.

Heather N. – Glenview, IL | JAN. 2016

Thank you so much for all that you did to make our home buying experience as seamless as possible! I will definitely pass your info on to anyone I know who is interested in getting a mortgage!!!

Corey M.

“I just closed on a house with Guaranteed Rate's help. I'm very happy with their work. It all seemed so easy from the start all the way until the end. I would definitely recommend them to my friends. Thank you to Joanne and her team!”

Emma L. – Northbrook, IL – 10/2013

About Joanne

I have been in the mortgage business for 28 years. I was inspired to get into the mortgage industry because I love helping people follow their dreams of becoming home owners, whether they are seasoned investors, first time home buyers, buying a vacation house or refinancing. I help my clients successfully manage their home equity to increase liquidity, safety, rate of return, and tax deductions.

I have been working at Guaranteed Rate as Vice President of Mortgage Lending since 2012 due to their superior support staff, unblemished reputation in the mortgage industry, and the ability to offer the most competitive rates & programs possible. I have also worked with 3 other mortgage brokers as a mortgage consultant and for a national finance company after receiving a finance degree from Marquette University.

Joanne interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
I always take the time to make sure my clients get the best pricing available through my extensive knowledge of all products and guidelines, making sure their credit scores are as high as possible, are fully informed of the application process and documentation requirements, and am available at all times to answer any questions they may have. I am there for my clients every step of the way, from start to finish.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
There are pros and cons with a fixed rate mortgage versus an adjustable rate mortgage (ARM), especially for first time homebuyers. The low initial cost of adjustable-rate mortgages, or ARMs, can be very tempting to home buyers, yet they carry a degree of uncertainty. Fixed-rate mortgages offer rate and payment security, but they can be more expensive. With the right information, whether it is a refinance or a new home purchase, I can help my customers pick the best mortgage that meets their financial goals.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
Every customer is unique! With 28 years experience, I know how to improve my client's ability to get the best products and pricing available.
What part of the home loan process do customers find most difficult and how do you help them through it?
The most common issue during the home loan process is usually before closing when the title company prepares the HUD. Understanding escrows for taxes and credits from the sellers can be confusing for anyone from first time buyers to experienced home owners that are refinancing for the third time. I go over the HUD with the clients on purchases and refinances item by item before closing. I patiently answer any questions they might have until they fully understand.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
When I am not helping people with their home loans, I enjoy playing tennis, water & snow skiing, scuba diving, horseback riding, volleyball, golf, biking, boating, pool, gardening, home rehab & decorating, city events, art, travel, cheering on the Cubs & Bears, wine tasting, cooking, & investing but only when profitable. I volunteer for Prevent Child Abuse Illinois & have hosted numerous fundraisers for them.
Tell us something that makes you unique or something wacky, yet interesting about you?
Along with being a mortgage banker, I love skijoring. This is cross country skiing while being pulled through the woods by two big, running wild dogs, my black lab Murphy & my pointer Zeppelin. It's a blast, but not the safest sport; we all love it though!

See how easy the Digital Mortgage works

Today’s rates

Loan Type Rate APR

See all rates.

*Rates may vary by state.

Check rates and get approved online right now in just minutes! Or give me a call and I’ll answer your questions and guide you through the process!

Intuitive Loan Finder

Our Intuitive Loan Finder lets you sort by lowest monthly payment, lowest interest rate or the right loan term.

Explore loan options

Start your Digital Mortgage

Apply now