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Riccardo Wardlow

Vice President of Mortgage Lending
1240 Iroquois Ave, Ste 300, Naperville, IL 60563
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NMLS: 219402
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I had an exceptional experience with my loan officer Riccardo Wardlow at Guaranteed Rate. My closing was delayed due to some missing student loan documentation, however, Riccardo continued to assure me that the closing will take place. He was absolutely positive throughout this entire process and went beyond his job title daily. I would definitely recommend Guaranteed Rate and Riccardo to anyone in the market of searching for a home. Riccardo has left such a positive impression on my home...

Tiffany B. closed 8/25/2016

Riccardo worked hard for me! He made sure I would get to closing without issues. Honestly, he worked harder than my attorney did! I will recommend Riccardo a 1000 times to anyone.

Kimberly T. - Bolingbrook, IL | JUL 2016

My closing date ended up being the best day of my life. Seeing the smiles on my kids face's was the best feeling ever. I wanted to say thanks to Ricardo Wardlow for being supportive through this whole process.

APRIL J. - Chicago, IL | JUL 2016

It was truly a great experience and easy process. Guaranteed Rate is great and my loan officer Riccardo Wardlow, and his loan processor Nancy Garay, was great to work with and helped me very much.

George B. - Chicago, IL | JUL 2016

Riccardo and his team did an excellent job closing my loan. Riccardo was extremely professional and always available to answer any questions I had related to the closing. I would definitely do it all again with Guaranteed Rate when the time comes.

Nicole A. - Palos Hills, IL | MAR 2016

Riccardo Wardlow and his team were Awesome in helping me obtain my First home, Which is a Big deal for me and my family. We all worked diligently on the deal. Thanks to Riccardo's recommendations I was able to access professionals I needed to facilitate the process. He was Very Helpful, Nancy and Michelle were a Great help also, they worked with me with my limited resources. I am Very Grateful to them and Guaranteed Rate.

SEAN T. - Chicago, IL | Jan. 2016

Ricardo Warlow stayed on top of everything. Very Good experience!

Gwendolyn F. – Dolton, IL | AUG 2015

Rick is very helpful & knowledgeable. He explains well all the documents needed as well as the loan process.

Antonino F. – Daly City, CA | AUG 2015

The service received from my mortgage lender was Awesome. Riccardo answered all my questions and provided additional services and referrals that made my home purchase a smooth transition. We Love Riccardo. He's the Best??

Undlia S. – Chicago, IL | June 2015

Riccardo handled everything in a very professional and accommodating manner. (There were some minor struggles at the time of closing but Riccardo stayed with it to the end to see everything through.)

Jeannie W.– Davis Junction, IL | June 2015

Riccardo interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the business since 1996. My mom influenced me because she was a very successful loan officer and I saw her making buyers happy… The satisfaction she got from doing that was contagious. I had to help people change their lives.
What advice would you give new or first time home buyers?
I would let the first time homebuyer know that the process of buying a home is actually pretty simple. However there are a few things you need to know:

1. Don’t deposit any cash into your bank account as cash is not recognized because it can’t be sourced.
2. Don’t go out and open any new accounts until after you actually closed on your new home.
3. This is the biggest investment you will probably make so I would make sure you pick out the home that fits their needs (room count, bathrooms, garage, vaulted ceilings etc).
4. Take advantage of any type of grant or first time buyer program that you might qualify to obtain.
5. Stay positive. Positive thoughts bring positive results.
What part of the home loan process do customers find most difficult and how do you help them through it?
Finding a home is generally the most difficult part for my clients, sometimes they might write 4 or 5 contracts on homes before they actually get one accepted. I like to let them know that’s normal and no matter how much you think you liked a home that you didn't get… The home that you actually end up with will be the very best one and they will have NO regrets, it never fails.
What can borrowers do to insure a smooth mortgage underwriting process?
Make sure that when documentation is requested, you give it in a timely manner and it is exactly what was requested. Also that the copies of the items provided are legible and complete.
Are you active in any local associations or community groups, and at what level? What goals and/or success have you helped these groups achieve?
I am part of a group called the “Council of Men”; I am the treasurer. We help children who might not have a father at home, we spend time with them and get to know them. We also tutor them in areas of school where they might need help and plan activities for them to do that will help them learn good values.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in Bolingbrook IL. I graduated from high school and went into the Army where I served my country proudly as a “communication specialist” and kept up all communications for my battalion. While in the army I attended Central Texas University while I was in South Korea. After getting an honorable discharge, I enrolled in Triton College where I received my Associates degree. About a year and a half later I got into the mortgage business.
What provides you with the most satisfaction in your job as a Loan Officer?
Seeing the face of my clients after they have receive their new house keys and the realization of being a home owner is now factual, not just a dream.
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 my family. I have 3 sons at home and going to their different activities such as sports and academic achievements makes me feel great!
Tell us something that makes you unique or something wacky, yet interesting about you?
My personality and my level of communication is what is unique about me. First, my personality allows me to get along and communicate with any person regardless of age. I’m talking from age 2 to age 102. I am very good at creating an instant rapport that makes everyone feel comfortable and at ease when dealing with me. Second I was in the military so one of the most important things they taught us was communication. Great communication makes it so there is never a question of what is going on and everyone is on the same page. That communication can be used on all levels such as at work, with my kids, my wife, or any other instance where someone else has to be involved in any type of transaction with myself. I pride myself on being a very likable person who listens more than he talks, that way I can always understand the needs and wants of ALL of my clients.

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