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Mark Ratliff

Vice President of Mortgage Lending
40 Skokie Blvd, Ste 450, Northbrook, IL 60062
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NMLS: 224504
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TestimonialsCustomer testimonials Read more

Mark Ratliff was terrific. Enormously helpful, even answering the same question three times for me. Just an all-around great guy with whom to do business.

Gene W.- Park Ridge, IL | MAY 2016

We love Mark Ratliff and his team! They made it so incredibly painless.

Terri C. -Libertyville, IL | MAR 2016

Mark Ratliff was great. My file was a pretty big mess, and he was able to tell me exactly what I needed to do to be able to purchase a home this summer. He made it happen and was clear and honest about everything. Mark was also very personable and I felt as if he truly cared about us more than just being a customer.

Steven P. – Mundelein ,IL | June 2015

It's always a pleasure to deal with Mark Ratliff! He has helped us, other family members and friends in the past and we all agree that Mark is a true professional!

Daniel P. -- Geneva, IL 8/26/2014

Mark Ratliff rocks! He was very responsive and engaged in the process!

Jason C. -- Elmhurst, IL 6/30/2014

Mark was a pleasure to work with and extremely helpful and knowledgeable. I would absolutely work with him again and recommend him to friends and family.

Matthew O. -- Chicago, IL, 2/10/2014

"Mark did an amazing job on the purchase of our new home. Guaranteed Rate was not my first choice, as I felt that I would be better served by using a better known lending institution, but I found I was just a number and the poor communication left me unsatisfied and very unhappy. As soon as I started to work with Mark, I knew I was in good hands. He walked me through the process, answered my questions, responded to my emails within hours and made sure we closed on time. His years of experience...

John A. -- Dexter, MI. -- 12/2013

Mark Ratliff made it seamless and worry free. I would highly recommend Mark, he secured the best rate (lots of competition) he was efficient, thorough and very pleasant to deal with. He was really great!

Sheila G. - Chicago, IL 12/2011

Mark interview Q&A

Who is your typical customer and what questions do they typically have?
There are no typical customers. Each client has their own needs and financial circumstances. I try to answer all the clients questions about the loan process plus carefully spell out what loans they qualify for with the pluses and minuses of each program.
What advice would you give new or first time home buyers?
Start early to get a realistic loan amount as to what you can quallify terms of a mortgage. Be honest and upfront about your financial situatioin in terms of income, down payment etc.. Have a plan while you are shopping for a home and keep you current financial situation in tack. Do not take on any additional new credit or borrow more on your current loans/credit cards.
What are the top 3 misconceptions people have about the home loan process?
I think many clients actually think they will not qualify for a mortgage when they actually would whether a refinance or purchase. An ongoing misconception is by self employed individuals, many of who have a successful business but show minimal income on their tax returns. This can be an issue when qualifying for a mortgage. Thirdly I think many people think the loan process is long and drawn out when actually we can get the process completed start to finish in 30 days for a refinance and as short a 2 weeks for a purchase.
What provides you with the most satisfaction in your job as a Loan Officer?
My greatest satisfaction in my job as a Loan Officer is getting to meet and work with so many interesting and unique clients. Each person has a story to tell. I enjoy hearing the stories and getting to know the individuals I work with.
Tell us something that makes you unique or something wacky, yet interesting about you?
My family heritage is from a small town called Hinton, West Virginia. My roots are set in the Appalachian mountains so a little bit of hillbilly is in me wherever I go.

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