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Matt O'Brien

Vice President of Mortgage Lending
3940 North Ravenswood, Chicago, IL 60613
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NMLS: 682373
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TestimonialsCustomer testimonials Read more

Matt O'Brien was GREAT! Very nice and pleasant over the phone, he took the time to answer all my questions and concerns. I would definitely recommend him to my friends. Thanks for everything Matt!

Virgil M. - 12/01/16

Matt O'Brien and his team did an excellent job closing our loan in time with no delays for closing. It was a pleasure working with Matt and his team. Matt will get the job done and we are looking forward to working with him again in the future. Overall, great experience. Highly recommended!

Nazareth J. – 10/25/2016

Matt O'Brien was very professional. If I had a question he got back to me right away, I give him a A+.

Martin B. -8/10/2016

Third time working with Matt (once to buy and twice to refi), always a well informed and relatively seamless process (as much as real estate can be).

Eugene S.

Great experience. Matt made buying my first home less scary and told me what I needed to know in terms I understood.

Brittnay H. - 5/31/2016

Matt O'Brien was very helpful and extremely knowledgeable and made the process easy and smooth.

Pablo Y. - 3/31/2016

Matt O'Brien was wonderful to work with. He was extremely accessible and answered emails in a very timely manner. He was patient with all of my questions and made the process as easy as possible.

Anne W. - 3/21/16

Matt O'Brien was our loan officer and did an excellent job. He took time to answer all my questions, which were many. When we wanted to move up the closing date he was able to get the loan done earlier which we really appreciated. Thank you!

Heather F. - Chicago, IL | Dec. 2015

This was my first experience of getting a loan. Matt was very helpful with making me understand the whole process and was patient with all of my questions. I was kept updated throughout everything.

Amanda F. – Evanston, IL | Feb. 2015

Matt OBrien did a fantastic job.

Frank D. – Chicago, IL | Dec. 2014

The professionalism of the staff helped reduce the stress in mortgage process.The professionalism of Mr. O'Brien shines through again. Matt O'Brien, as always, was on top of his game.

William M. -- 9/11/2014

Matt O'Brien was awesome to work with! He was extremely professional, explained everything very clearly and was always available when we had questions or needed clarification on anything. I had heard that the home buying process was stressful and unpleasant but that was not our experience at all thanks to Matt and his team! I would recommend him 100 times over!

Michael S. -- Chicago, IL 6/17/2014

Matt O'Brien is an expert and a true professional. He kept me informed every step of the way. I was at ease knowing that he was on the job.

Richard D. -- Melrose Park, IL 6/10/2014

Matt was the best, very professional. I had a very great experience with your service.

Shanta W. -- Chicago, IL, 2/10/2014

Matt O'Brien is extremely intelligent and competent, providing my husband and I a clear and concise understanding of what was to come and how to handle things as they came up. He and the rest of the team really went to bat for us when things had to get done. Matt and Guaranteed Rate was always going above and beyond the call of duty.

Ivana S. - July, 2013

Hi Matt, I just wanted to thank you for the work you put into securing our refinance loan. You provided a painless and easy to understand experience for us. I would not hesitate to recommend you and/or your company to anyone who is seeking a mortgage loan. Take care and have a nice day!

Scott, M.

[My refinance] went great. Matt O'Brien worked very hard with a complex situation and always helped me with each step of the process. Matt went above and beyond his responsibilities providing an impeccable service.

Mark F., Tyler TX

Everything [with my home purchase] went great, Matt did an incredible job of managing the process and expectations. I would use Matt again, 100% and I will absolutely recommend him in the future.

Todd K., Lake Barrington, IL

I have refinanced with Matt O'Brien a few times over the years and he never disappoints. I tend to over analyze all my decisions and have numerous questions, and Matt answers all of them with patience, honesty and professionalism. My recent refinance with Matt and Guarenteed Rate went very smoothly, quickly and with zero problems. I highly recommend working with this company, and Matt in particular, you will be very satisfied and he will make things very simple and easy for you. Thanks...

Sue. M - Chicago, IL 11/2011

About Matt

I started working in the mortgage industry in 1997 when a friend in the industry explained the enjoyment he experienced with the home buying process. My job allows me to assist someone with their dream of owning a home but it also facilitates me meeting so many interesting people. I really enjoy getting to know my customers and establishing friendships after the transaction. Personally, I live in the Old Irving Park neighborhood of Chicago with my family who are involved in soccer and Irish dance.

Matt interview Q&A

Who is your typical customer and what questions do they typically have?
Every customer is the same. They want communication from the start until the closing and the want to know the numbers involved in the transaction. Two way communication is vital during the process so I will explain the process and will be available to answer all questions.
What specific steps do you use to help your customers find the best home loan for them?
There is a process to helping a customer find the best home loan for them and their family. I encounter many first time homebuyers, and we analyze their financial situation to find a comfortable mortgage with a manageable payment. A refinance transaction is slightly different. Besides a comfortable payment, we want to the customer to realize the benefit of the refinance by reducing closing costs and maximizing interest or payment savings.
What advice would you give new or first time home buyers?
I always recommend two things. Look for a property you would love to live in. Do not focus on future appreciation and profit since you cannot control it. I also recommend the buyer understand their own financial profile. Everyone should know their credit score and comfort level with funds needed for closing and monthly payment.
What part of the home loan process do customers find most difficult and how do you help them through it?
One part of the loan process buyers find difficult is the documentation required. The mortgage industry currently is requiring a considerable amount of documentation. We communicate up front with the customer what will be required so the customer will be prepared.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
My website at Guaranteed Rate is the best resource for information.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in the Washington D.C. area where I attended Gonzaga High School. I then attended Marquette University in Milwaukee and moved to Chicago the summer after graduation.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I enjoy spending time with family and friends. I like to travel even if it is a short, close trip and have even enjoyed being a tourist in my own city, Chicago.
Tell us something that makes you unique or something wacky, yet interesting about you?
Along with being a mortgage professional, I enjoy the variety of entertainment, culture and dining in Chicago. There is always something to do with family or friends.

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