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Karen Bivans

Senior Mortgage Specialist
1806 W Cuyler Ave, Suites 1W and 2E, Chicago, IL 60613
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NMLS: 1451662
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Karen Bivans was incredibly helpful through the loan process. She was transparent and made sure all details were understood by me before I committed to anything. I highly recommend her!

Sagar S. | 05/05/2017

I'm happy I closed. The Loan Officer went above and beyond (Karen Bivens was great).

Stephen F. - Mansfield, MA | APR 2017

Karen Bivans was a pleasure to work with and answered all our questions.

Randal S. - Venice, FL | APR 2017

The level of customer service throughout the entire that I received from both Karen Bivans and Isabel Calderon were exceptional!!! It was them who you need to acknowledge for the high scores I provided.

Christopher K. - Harvard, MA | MAR 2017

The team (Karen and Diana) were very easy to work with and kept the process moving forward. I was very satisfied overall and have already referred another colleague whom is preparing to close their loan in the next few days.

Joseph B. - North Fort Myers | FEB 2017

Karen Bivins made the refinance process very quick and easy. She moved the process forward by keeping me informed as to what was expected, as well as the amount of time I had to transmit documents inorder to achieve a quick refinance. She answered my questions quickly and professionally, even when I needed more clarification and questioned her over and over, until I understood what was needed and why. Ms. Bivins conveyed a trustworthy enviornment, from which I felt very comfortable transmitting...

Samuel B. - Vancouver, WA | NOV 2016

I loved working my loan officer!

Mary M. - Marion, AL | DEC 2016

Karen Bivans is the loan officer and she was great and very responsive.

Greg V. - Clarendo, IL | NOV 2016

Karen was awesome. Super persistent and on top of everything. Very impressed and will use her again.

Laura K. - Chicago, IL | APR 2017

Karen was great! I enjoyed working with her: very friendly, helpful and responsive.

Antonio C. - Chicago, IL | APR 2017


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Karen interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
The first thing I want to know is your ultimate goal. Are you looking for your first home while staying on a strict monthly budget? Do you need cash out for renovations? I will review all aspects of your finances including income, credit, liabilities, and assets. After this, I will explain what options are available and the differences between them. I'll provide details about how the process will work and then set off in helping my borrowers obtain their goals.
What part of the home loan process do customers find most difficult and how do you help them through it?
The general belief that the entire mortgage process will be a drag. In reality, it's not. Most of the work is done on our side, which is the way it should be. Using our online application and services makes the whole process easier than ever. The most frustrating part is sending us all the documents. I know it seems like overkill to request a divorce decree from 8 years ago but that’s what Fannie/Freddie require in today’s world. We don’t want to review extra documents so if we’re requesting it, we have to. My team has the same goal as you: closing the deal as quick as possible! Get us the documents and we can handle it from there!
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I started gardening on a whim last April and found myself obsessed within a month. By June, plants had taken over my living room and roof. I found myself offering tomatoes and peppers to every one via social media. This year I joined a community garden where the produce is donated to local food shelters around the Chicago area. It's a tiny plot but it gets much more sun than my living room so the plants are happy :)

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