GuaranteedRate - Mortgage Company

Michele Richard

Vice President of Mortgage Lending
40 Skokie Blvd, Ste 450, Northbrook, IL 60062
Contact Michele
NMLS: 224421
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TestimonialsCustomer testimonials Read more

I recently worked with Michele on a deal with a mutual client and Michele was outstanding in all aspects, and such a pleasure to work with. Very responsive and communicative, always available for her clients and our firm, and extremely knowledgeable. We only gave her 2 weeks to get our client approved and we still closed on time! Many lenders will promise you the world but rarely can they deliver -- Michele can absolutely deliver. I highly recommend Michele to any home buyer

Alaina H. 10-26-17

Michele is a great person and great at her job. She's very honest and trustworthy. If she can't help you at the moment she will guide you with tips and tell you what to do to help you in the future. Her team are the best people to work with. They are always on top of things. Always very helpful and have a great response time to questions.

Robert K. - August | 2017

I really appreciated all Michele did, and how ready she was to help us.

Griselda S. - Adkins, TX | JUL 2016

Michele was on top of our financing and was able to ensure we met all deadlines for our transaction. She is a great loan officer and extremely responsible. 10 / 10. I would borrow again.

Azim M. - Atlanta, GA | JUL 2016

It was smooth sailing. The loan officer and her staff made it really easy for me despite the fact that I was in another state.

PAUL L. - Chelsea, MI | JUL 2016

Michelle is absolutely the greatest most hands on loan agent I have ever had the pleasure to work with. She went above and beyond for my wife and I and kept us posted constantly.

Anthony N. - Norwood Park, IL | JUL 2016


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Michele interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I began my career as a Real Estate Broker in 1986. I entered the mortgage business in 1994. I am a people person and love helping people.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
There have been plenty of challenging situations! The one that stands out the most would be refinancing a family out of a loan modification loan. Years back they lost their jobs and almost went into foreclosure. The company that purchased their loan so they could keep the house did so at a very high rate . After waiting the time required I found a way to refinance their loan, lowering the rate substantially and saving them hundreds of dollars a month.
What part of the home loan process do customers find most difficult and how do you help them through it?
I like to explain to my customers that putting a loan together is like putting a puzzle together. As with a puzzle, every piece must fit. Once the items required are in place we submit to underwriting. If the puzzle is complete the underwriting goes smoothly and the loan can move into a closing position. Providing tax returns, employment documentation and bank statements with all funds sourced is crucial. I am available 7 days/week, which has proven to be a great help to my customers.
What provides you with the most satisfaction in your job as a Loan Officer?
Simply said I just love making a difference ! I have developed so many satisfying relationships over the years helping so many people attain the "American Dream". I attend all of my purchase closings and find great joy just being there with my customers. In fact, I'm grateful that all of my business is based on referrals.
Tell us something that makes you unique or something wacky, yet interesting about you?
I really don't know how to answer that question. People that know me would probably say I have a great sense of humor.

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