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Pamela Zank

Branch Manager
40 Skokie Blvd, Ste 450, Northbrook, IL 60062
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NMLS: 205791
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Pamela Zank is great! She made the whole process very easy.

BRIAN C. - Barrington, IL | JUL 2016

Pam Zank is phenomenal. I have secured several loans with her throughout the years and she is the most competent person in the transaction more so than the real estate agents and attorneys.

William S. – Kildeer, IL | AUG 2015

Pamela is wonderful! Always accessible for questions, concerns, etc.

Erika L.– Waukegan, IL | July 2015

Pamela Zank is great!

Paul S.– Chicago ,IL | JULY 2015

Pamela was able to quickly respond to all of our questions. Very professional and thorough.

Jeffery D.– Barrington, IL | June 2015

Pam did an excellent job from start to finish.

Martin N. – Chicago, IL | Feb. 2015

Overall great experience. Pamela Zank was very efficient and was very responsive to my inquiries and she worked good with me in a timely manner to get documents done.

Christopher M. - Kildeer, IL | Nov. 2014

Pamela was great! She answered all of our questions!

Joseph S. -- Northbrook, IL 7/28/2014

Pamela was awesome! She was very detailed and organized throughout the loan! The experience was great!

Kevin M. -- Chicago, IL 4/23/2014

“Pamela Zank and team did a fantastic job shepherding my mortgage through the process. They answered every question I had and acted as a very professional broker. Thank you.”

Jeff G. – Carmel, IN – 2/2014

“I had an excellent experience with Pamela Zank out of the Northbrook office. As a first time home buyer, I went into the process a little leery and unsure of what to expect. Pamela was extremely responsive and professional. She took the time to answer my questions and explain the next steps to me to ensure that I was comfortable throughout the process. I would highly recommend working with Pamela and her office on your next home purchase - I know I will!”

Melissa P. – Chicago, IL – 8/2013

“I have heard and read about refinancing horror stories. This refinance was completely painless. All was said and done in less than 30 days! Pamela was a pleasure to work with and we were offered great rates. Everything from beginning to end was explained thoroughly and completely. I would recommend her to everybody!”

Charles H. – Niles, IL – 7/2013

“I could never have asked for a better refinancing transaction! Pamela Zank did a great job communicating and answered all of my questions. There were some bumps in the process (not on Pam's part) but Pam and her team dealt with all of the issues and contacted the right people in order to make my life easier. She even had a notary come to OUR HOUSE to sign the final closing papers! Brilliant and absolutely convenient! I never had to leave the comfort of my home to do anything! Kudos on a job...

Liz W. – Morton Grove, IL – 7/2013

“I recently refinanced our mortgage with Pam at Guaranteed Rate. I have been through this 4-5 times at this point so I have some perspective. The pricing was competitive and the service was exceptional with no curve balls. The entire process was very smooth and hassle free! We did this with the recent low rates and Guaranteed Rate was able to close within 30 days. We would highly recommend working with Pam!”

John P. – Basking Ridge, NJ – 7/2013

Hey check out the glowing review from Elizabeth about Pamela! “Pamela and Guaranteed Rate were the best every step of the way! We took our sweet time finding the right house and Pamela never rushed us and although we were always nervous, Pamela reassured us all the way! The personal service and attention received made a difficult process extremely easy! Pamela was honest, professional, and an expert in her field. If you are ever searching for a fantastic mortgage company choose Guaranteed...

Elizabeth K. -- OakPark, IL -- 02/2013

Hey check out the amazing review from Ilene about Pamela! “Pamela Zank is the best! She made refinancing my loan feel like an easy experience. Pamela was extremely knowledgeable and excellent keeping me informed every step of the way!”

Ilene C. -- Chicago, IL -- 01/2013

About Pamela

I've been in the mortgage business for 25 plus years. Getting into the mortgage business, I was newly divorced and needed some way to support my children. As a single parent, I was getting a license to be a realtor and the teacher recognized that I had a financial back round. He suggested that I get into the mortgage business. I've been writing loans ever since. I really love my job. I love helping not only the clients but the loan officers who work with me. I've been managing a branch for more than 15 years and I am proud to say that some of my employees have been here for the same time. I am a proud supporter of "Green Pup Shelter" a rescue shelter for dogs. "Adopt a recycled dog". I enjoy swimming, white water rafting and other outdoor hobbies. I have two children that I adore and couldn't be prouder of. I love working for Guaranteed Rate.

Pamela interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
25 Plus years I love helping people. From 1st time homebuyers to the move up buyers, the challenge to find them the best product is what motivates me.
Who is your typical customer and what questions do they typically have?
My clients range from first time homebuyers to clients buying their forever home. I pride myself in asking a lot of questions and giving a lot of suggestions so that the product that is selected is right for the clients specific needs.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
The differential between a fixed rate and an adjustable rate usually helps a client make a decision. National average is a client stays in a home 5- 7 years. If you're a first time homebuyer an adjustable rate might be the product for you, but only you can make that decision. I pride myself in the education I provide to clients so that they can make a well informed decision.
What advice would you give new or first time home buyers?
Choose your loan officer carefully. Make sure that the person you choose to work with has your best interest at heart. It's not about the commission. It needs to be about what is best for the client.
Tell us about a mortgage product that consumers may not be aware of?
We have a great product that has been off the radar for a while. An interest only loan. Good for clients who get big bonuses once a year whose income is stable and can pay down principal once or twice a year. I personally have a few homes and this is a product that I use regularly,
How has the mortgage industry changed since you started, and what would you expect in the future?
When I started in the mortgage business it was like the wild, wild west. If you had a pulse you could get a loan. That wasn't prudent and definitely caused part of the mortgage collapse in 2008. Things have definitely tightened up for the better. Lenders are more restrictive and are coming more to a center of lending.
What part of the home loan process do customers find most difficult and how do you help them through it?
I don't find the process difficult. I educate the customers upfront and that makes the process easier.
What are the top 3 misconceptions people have about the home loan process?
The propaganda in the media is that it's hard to get financed. Not hard. You just have to have the right paperwork.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
Get preapproved before you start to shop. Credit is the biggest obstacle.
What can borrowers do to insure a smooth mortgage underwriting process?
Talk to your loan officer early and often.

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