GuaranteedRate - Mortgage Company

Oren Orkin

Vice President of Mortgage Lending
3940 North Ravenswood, Chicago, IL 60613
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NMLS: 404388
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TestimonialsCustomer testimonials Read more

I was very satisfied with the services that Guaranteed Rate provided especially being a first time home buyer. Guaranteed Rate helped my wife and I from day one by providing us guidance and all the necessary information needed to process our loan and secure all important documents needed for closing. Our loan officer Oren Orkin was very helpful and ensured our account was being looked after the minute we started the process with him and his team.

Roberto V. – 11/20/2017

I can't say enough good things about Oren Orkin and Jenna Miller - made the process extremely smooth, painless, and FAST. I will be sure to recommend Guaranteed Rate to others. Thank you very much!

Laura L. – 7/28/2017

Jenna and Oren were amazing to work with during my loan process. They made themselves available whenever I needed assistance. The constant communication and fantastic customer service made the process less stressful. I will definitely use Guaranteed Rate in the future as well as recommend them to my friends and family. I can't thank these two enough for helping me throughout the entire purchasing process. Oren, you have an amazing team! Thank you again!

Rachel P. – 6/15/2017

We really enjoyed how nice everyone was and how easy they were to talk to! We had so many questions and someone was always able to answer them and answer fast! It was nice having a whole team of people because if one was busy or sick we always had someone else to call. We also love how easy it was to upload papers online.

Travis K. – 3/3/2017

Oren and his team were helpful, always quick to reply, and very up front and honest. As first time homebuyers, my fiancé and I asked a LOT of questions and needed a LOT of clarification and support. Our team consistently went above and beyond to help us with anything we needed. Special shout outs to Oren and Jenna, the two we worked with the most extensively. Thank you Guaranteed Rate!

Ryan N. – 2/15/2017

The refinance process was quick and easy. I appreciate that I could upload all documents on the portal. Oren and team explained the process thoroughly to me, was extremely responsive, and patient when I had last minute questions regarding the credit. Even the closing was convenient. It was done at my condo! Overall, I'm extremely satisfied. Thank you, Oren and team for a smooth refinance process!

Lena L. – 11/9/2016

Oren Orkin, Jenna Miller, Joseph Wilson and their whole team were great and a pleasure to work with. As a first time home-buyer, they made the loan process manageable with updates and step-by-step guidance. They were always available to me with my questions on the process and progress of my loan. Thank you!

Margaret K. – 12/9/2016

It has been a magnificent experience receiving the kind service I've received from your company and the professionalism demonstrated by you and your team; you where able to make a stressful and strange dealings on the matter as all of this is new to us and the guidance was fantastic, I could not emphasize the great work performed by you and your team, the amount of attention to every detail you exhibited to all of these matters made the closing and funding so much more relaxing with you doing...

Manuel Z. – 12/5/2016

The team I worked with was amazing! Communication couldn't have been any better throughout the process. The online system to upload documents was easy to understand and use.

Ryan H. -WESTMONT, IL |AUG 2016

Oren and Jenna made my first refi so easy! I would definitely recommend them to everyone I know!

Daniel C. - Chicago, IL | AUG 2016

Great experience and it's especially nice being able to complete most items electronically!! The staff were very nice and on-top of their game!

Christopher L.- Gurnee, IL |AUG 2016

Oren and Jenna were always very responsive and helpful. I always felt they were looking out for my best interests.

Jennifer D. -Chicago, IL |AUG 2016

Oren and Jenna were amazing. They made the process a breeze. Jenna went above and beyond.

Jeffrey S. -Chicago, IL |AUG 2016

Oren, Jenna and everyone one the team were extremely responsive, knowledgeable, friendly, etc. Any questions I had throughout the entire process were promptly explained to me. The closing went very quickly and smoothly. I was very impressed with the service I received from Guaranteed Rate and would definitely recommend them.

Tosha P. – 8/12/2016

Love Oren's team and Jenna. When I was confused about any requests or e-mails, they were ON it. I think because Oren is on TOP of his game, I completely trusted him and am grateful for how much he was looking out for me and my best interest. He even gave me a ride after the closing--AND WAS PRESENT AT MY CLOSING. For being such a big company, I felt like Oren and Jenna did a good job of making it a very personalized experience.

Bridget M. - 07/13/2016

Oren and Jenna were great to work with! I wasn't expecting to be Abel to get a house this year and they made it happen! Thank you for the work you put in to help me and my family.

Raquel R. 06/28/2016

The banks have made getting a loan harder, I did not realize it until this recent purchase. My loan officer kept me from losing it and helped me walk through all the painful requests for detail that the bank kept making. The process took longer than I expected due to the changes that have happened in the banking regulations but that is not Guaranteed Rate's issue and my loan officer helped immensely in explaining it. Great team as well, always on top of the details.

James B. 06/06/2016

This is not an easy process for homeowners to go through. You mentally prepare yourself for the closing, and the anxiety levels begin to rise. Oren and his team did an outstanding job of managing those emotions to make the process as seamless as possible. Anytime I had a question, I was answered very quickly and never felt like I was put on the back burner. I cannot say enough good things about Oren and his team and will be recommending them to all of my friends and family. Please feel free to...

Christopher R. - Funded 5/4/16

The team of Oren Orkin and Jenna Smith were fantastic, worked with me around the clock to meet my schedule, were always available to take my calls and provide me updated information, and always kept me well informed about the progress of my loan. They were incredible. I already recommended them to coworkers who are looking to buy soon.

Robert G. -Chicago, IL | MAR 2016

The team of Oren Orkin and Jenna Smith were fantastic, worked with me around the clock to meet my schedule, were always available to take my calls and provide me updated information, and always kept me well informed about the progress of my loan. They were incredible. I already recommended them to coworkers who are looking to buy soon.

Robert G. -Chicago, IL | MAR 2016

All around - another seamless experience with Oren and his team. Everyone is always on top of their game - knowledgeable and responsive. Thank you!

Tolulope O. -Chicago, IL | MAR 2016

The team of Oren Orkin was fantastic, worked with me around the clock to meet my schedule, were always available to take my calls and provide me updated information, and always kept me well informed about the progress of my loan. They were incredible. I already recommended them to coworkers who are looking to buy soon.

Robert G. 03/28/2015

Oren's team was excellent. They made the process quick and easy with minimal hassle. They kept me up to date and reached often just in case I had questions. Could not have asked for a better team. I have recommended Guaranteed Rate to anyone looking to finance a home.

Rosibel O. - Chicago, IL | Dec. 2015

Check out this Yelp review for Oren Orkin! Oren and his team took great care of us, we were able to close in under 30 days!! They were always super responsive and quick to respond and clarify any part of the mortgage / closing process making it as stress free as this process can be. See full review:

David V. – Frankfort, IL | AUG 2015

Oren did an outstanding job, and we could not be more pleased and satisfied. He is an outstanding representative of Guaranteed Rate.

Heather P. – Hobart, IN | May. 2015

Oren Orkin is the best!

Dana Z. – Carol Stream, IL | Apr. 2015

Orin Orkin assured me through every step of the process and answered any and all my questions.

Frank L. – Elmwood Park, IL | Feb. 2015

My loan officer and his team were great and I would recommend them to anyone.

Emily W. -- 10/9/2014

Put it simple, I am a VP for a large bank that does mortgages and I used Oren! Great experience, great team that works with him.

Adam C. - Sept. 2014

Oren Orkin and his team made the process work very smoothly and accurate. They were extremely accessible at all times. Oren even arranged meeting with us in a convenient location near my home. It was a fast and error free process of obtaining the home of my dreams.

Felix M. -- 8/5/2011

Oren Orkin and his team were exceptional. They kept me up to date with everything and worked to get things completed quickly. This is my third mortgage transaction with Oren, and all have been smooth and problem free. He is a great asset to Guaranteed Rate as he goes above and beyond to ensure that the customer and all entities involved are satisfied. He is highly knowledgeable about the entire mortgage process, and has always been able to answer any questions that I had in a timely manner. To...

Ameer E. -- Chicago, IL 3/3/2014

“Oren Orkin just completed a refinance of my condo. He was professional and closed the deal in a timely manner. I will recommend him to all my friends and co-workers!”

Brian P. – Glencoe, IL – 1/2014

"The team at Guaranteed Rate is super to work with. Oren Orkin helped us with a refi a few years ago and just last month with a new home. I would recommend Guaranteed Rate to anyone who is going through the home buying process!"

Victoria W -- Chicago, IL. -- 11/2013

“We were very satisfied with our process. I feel that I got all the help that I needed from Oren Orkin all the time. Thank you, Oren and Guaranteed Rate!”

Carmen S. – Niles, IL – 9/2013

Yours truly and my mother, want to thank you for all of the hard work that you have done to complete her loan. This wouldn’t have been possible without all of the effort you’ve placed on our behalf as a true lending professional.

Santiago R.

We just wanted to tell you what a pleasure if was working with you – You were both professional and personable. A nice combination during a stressful time. Enjoyed finally getting a chance to meet you at the closing. Continued success to you; you can bet we will refer anyone who asks. Thanks again!

Biff and Patty R.

Thank you for everything. We are very excited to be condo owners! The closing was great, very smooth and no surprises. Thanks for making the process much easier than we anticipated. We would be more than happy to refer you and your services, we will not forget all your hard work…

Emily B.

About Oren

I got into the mortgage business in 2002 after my mortgage broker at the time said, if you're good with numbers, come and work for me. First day on the job I got a stack of rate sheets and a call list and was told, go sell refi's. Fast forward to 2016, and I have ranked as a top 1% mortgage originator in the US for three years in a row while been a member of GRI President's Club for two.

I have a BSc in Material Engineering from BGU and MBA in Real Estate Finance from DePaul.

I live in Lincoln Park with my wife, Barb, and two boys, David and Eli. Chicago has been my home since 1998 when I moved here from Israel.

Oren interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
Who is your typical customer and what questions do they typically have?
My typical customer is going to be a young professional or a 2nd/3rd time home buyer looking to move up. Most times they're looking for a financial solution at the most affordable terms to fit their individual needs and how the mortgage process works.
What specific steps do you use to help your customers find the best home loan for them?
I take a full application and collect all documents up-front. Gone are the days that we run credit and provide a rate. These days my team will review everything the customer sends us prior to issuing a pre-approval to make sure we discovered all potential pitfalls with the deal.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Pros: stable payment for the life of the loan, usually will fit a higher section of customers. Cons: higher rate
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
Customer was a first time home buyer with a side job on top of his regular job. Due to the nature of the side job, he was not reporting his full income and actually showed significant losses one year, which pulled his average income down. The customer was also carrying high balances on higher rate credit cards. Together we were able to shift the balances from the higher rate cards into a more affordable payment hence were able to make the customer's debt-to-income ratio approveable.
What advice would you give new or first time home buyers?
Make sure you have all of your financial documents organized in one place, preferably scanned and in electronic format. You can't imagine how many times, just a week shy of closing, I heard the story about "my last year's W-2 is in a container storage in Kansas and I can't access it."
Tell us about a mortgage product that consumers may not be aware of?
Opportunity Plus, which allows consumers to buy 2-4 units with as little as 5% down.
How has the mortgage industry changed since you started, and what would you expect in the future?
I've been through it all. From subprime, to 125% LTV loans, to foreclosures and short-sales and one product only - FHA. I feel that we're in a good place right now and hope things will stay as stable as they are.
What part of the home loan process do customers find most difficult and how do you help them through it?
The period of time from conditional approval till clear-to-close. That's the time when we ask for more and more documents, which for most customers appears redundant. What my team and I do is overcommunicate and explain why each document is important in its own way and why we ask for it.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
The e-books on our website.
Tell us something that makes you unique or something wacky, yet interesting about you?
I started playing the drums at the age of 47.

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