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Rob Wilson

Vice President of Mortgage Lending
3940 North Ravenswood, Chicago, IL 60613
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NMLS: 224545
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Rob Wilson is THE MAN when it comes to home financing. I've closed on two purchases and a refinance with him and will continue to use him for all my financing needs going forward. He knows the business like the back of his hand and is able to find the best loan for my specific needs. I highly recommend.

Steve D. - 04/03/2017

Rob Wilson is THE MAN when it comes to home financing. I've closed on two purchases and a refinance with him and will continue to use him for all my financing needs going forward. He knows the business like the back of his hand and is able to find the best loan for my specific needs. I highly recommend.

Steve D. - 04/03/2017

This is the second time Guaranteed Rate helped me with my loan, and it was an extremely easy experience! Rob Wilson is amazing!

Elaine T. -12/27/2017

Rob and his team were awesome throughout the entire process!!

Thomas N. - 1/5/2017

Working with Rob and his team was so easy and stress-free. They were very professional, helpful, and had my best interest in mind during the entire process. I was in great hands!

Laura F. - 12/20/16

The team was always responsive and went over and above to make sure I was always fully informed and comfortable with how things were moving along.

Debra P.

Rob's team was fantastic to work with! I was very impressed by their efficiency and level of knowledge. They provided thorough explanations to all of my questions and made the process easy. I cannot recommend them enough!

Rachel B. - 4/29/2016

"Rob Wilson has taken care of my mortgage needs for over ten years. In that time Rob has secured mortgages for me on new properties as well as the refinancing of existing loans, and his knowledge of available loan programs has benefited me financially over the years. Rob excels at customer service and his personal attention to every detail has been a great comfort to me while managing the stress of buying a new home. I have always felt confident in recommending Rob’s services to both friends...

Kathy Cullop - 10/1/2015

Rob Wilson has handled every home loan I've done for the past fifteen years -- he's always fantastic to work with.I always recommend GR to anyone in the home buying process.

Scott J.

We had another great experience with Guaranteed Rate, Rob Wilson and his team. I was presented with multiple options, all questions were quickly answered, and I always knew where the process stood as we moved toward closing. Rob knows his stuff, and frequently anticipates potential questions, issues, etc. He provides excellent service and is a great guy. I wouldn't work with anyone else for home financing. Thank you!

Michael E. -- Deerfield, IL 3/24/2014

About Rob

I grew up in East Lansing Michigan. After graduating from college I worked in the service industry for a few years as a manager. In 1999 I moved to Chicago and made a career change into the mortgage industry. After starting out in a small broker firm I decided to look around in 2001. I came across a great start up by the name of Guaranteed Rate, I have been with them for the last 15 years. I have seen Guaranteed Rate grow from 60 people to well over 3,000. It has been a wonderful experience to grow with the company. I am a father and love to spend time with my family. I enjoy everything outdoors, sports, camping and enjoying the great city Chicago is. I have had the honor of developing great relationships with my referral partners and clients over the years. Every client, whether youýre a first time home buyer or on your 4th home, is treated like family. After all, this is the biggest purchase of your life and my team and I take that very seriously. I thank you for your trust and support over the years. My team looks forward to taking care of all your mortgage needs whenever and wherever that might be.

Rob 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 mortgage industry for 17 years. Honestly, I kinda fell into it but very early on I discovered that helping my clients purchase a home for their up and coming, or current family is one of the great joys of my life.
Who is your typical customer and what questions do they typically have?
My customer's range form seasoned investors to first time home buyers. Everyone's situation is different. However, my approach is to give the client all the information up front so they can make the best decision possible.
What specific steps do you use to help your customers find the best home loan for them?
The best approach to help my clients find the best home loan for them is simply to listen. My job is to listen to the clients goals and plans in their life in order to suggest the right loan options for them.
How long have you been in the mortgage business? What awards have you won?
I have been in the mortgage business 17 years. I have been in the top 1% for years and have reached presidents club level within Guaranteed Rate.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Although every client is different. The general rule is if your plan is to stay in the home 5-7 years, the ARMs might be the best way to go. If not, the 30 year fixed if always there. Listening to the clients goals and plans is what determines my advice on this issue.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
There are a lot of challenges that can arise throughout the process. My job is to anticipate those situations upfront and address them. When that is done up front the challenges that sometimes occur in underwriting are avoided.
What advice would you give new or first time home buyers?
My advice first and foremost is have fun! This is the biggest investment of your life yes, but it's also your new home so enjoy the process. I like to spend even more time with first time home buyers up front. Taking them through how the entire process will work, picking the right program for their needs and lastly going over all the cost associated with the loan. I have found that when that is done properly up front, the buyer is put very much at ease and can enjoy buying their first new home.
Tell us about a mortgage product that consumers may not be aware of?
Fannie Mae has released a new first time home buyer program where you can put just 3% down. It's a wonderful program that people should be aware of.
How has the mortgage industry changed since you started, and what would you expect in the future?
When I stared there were a lot more products available. There were programs where you didn't have to show really any financials at all. Whether you look at that as good or bad it's no longer offered. I think showing/proving that you are qualified to buy the home you want is a good thing. I think in the future that will continue.
What part of the home loan process do customers find most difficult and how do you help them through it?
I think understanding and gathering the financials that the underwriter will need to look at is the most cumbersome part. It's very important for me to go over in detail what is needed and why. It's important for me to educate the client on what the underwriter will be looking at in order to reduce the need to keep requesting more documents throughout the loan processing.
What are the top 3 misconceptions people have about the home loan process?
Number one, people think they can't qualify for a loan. There are all kinds of programs out there to take advantage of. Yes, you do have to qualify but between all the programs we can typically come up with options. Second, It's to cumbersome or time consuming. Our online application and digital mortgage make it a breeze to get through the process. Believe me, I have been doing this 17 years and it's a much better process now. Lastly, that getting a mortgage is stressful. Yes, I know there is always a little stress with a big purchase. However, if I do my job and we pick the right product, keep the payment at the right level, and you know the whole procedure and cost up front. It's my hope you can have a little fun purchasing your new home.
What can borrowers do to insure a smooth mortgage underwriting process?
The number one thing I tell my client is to give me all the information I requested right away. If we can review documents up front then it makes the whole process clean. We are also working on a timeline with your rate lock on a refinance or purchase contingency date or closing date.
What provides you with the most satisfaction in your job as a Loan Officer?
I love to go to a first time home owners closing and see the look on there face when the keys are handed over to them. I try to take pictures with all my clients after that happens and it's great to see all the smiling faces.

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