GuaranteedRate - Mortgage Company

Ryan Mecum

Branch Manager
3940 North Ravenswood, Chicago, IL 60613
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NMLS: 755885
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Ryan Mecum and his team were awesome to work with. They helped with understanding each step in the process of refinancing. I would highly recommend this team to friends and family!

Jackie H. -Chicago, IL | MAR 2016

We've been fortunate enough to have Ryan Mecum and team support us on securing a home mortgage for our growing family. First, they were able to get us into our home. Then, the team was quick to act upon a mortgage refinance and consolidation to lock us into a great rate. We trust Ryan and team to provide to latest and greatest knowledge of the market. We've recommended their services to family and friends who resonate the same sentiments. We will certainly work with this team if we purchase...

Closed purchase loan - 3/29/2016

Ryan Meecum and team did a great job of communicating and answering any questions we had with financing. They even lowered our rate from 3 to 2.875 after we locked in and before we closed! That was above and beyond and greatly appreciated!

Robert S - Hartland, WI | Feb. 2016

Ryan and his team were phenomenal working with us and getting our loan closed in less than three weeks. Everyone on his team did an exceptional job with follow up and clarified any and all questions we had throughout the entire process. I will recommend Guaranteed Rate to everyone I know. Keep up the great work!!!

William B. - Hanover Park, IL | Jan. 2016

Our transaction with Ryan was as smooth as possible. We had a complex real estate sale that we needed done fast and Ryan got it done with no hiccups. I am self employed and needed to close in under 20 days. I would highly recommend Ryan as he and his staff had immediate responses to all our questions, knowledgeable, no surprises. Would do business with again as well as recommend to others.

Tom O. 8/18/2014

Ryan and his team are as professional as it gets. Please do yourself a favor, and utilize his services if you are closing on a property. My wife and I recently closed on a 2 unit conversion, with a jumbo loan. Throughout the process, there were many complex steps that needed to be taken, and Ryan and his team successfully navigated the process like a well-oiled machine. Ryan and his team were in constant communication with us, and helped us to understand everything along the way. To be clear...

Jon B. Chicago, IL 10/2/2014

After several months of getting subpar participation from previous lenders, we were fortunate to find Ryan Mecum and his team. They were able to look at each potential real estate transaction as a unique encounter and provide different avenues to ultimately get my family and me into our home. Ingeniously looking at individual situations and meticulously following through with what is promised is their standard. There is a profound understanding of jumbo loans and we do not hesitate to...

Kevin C. Chicago, IL 8/17/213

I can't say enough good things about Ryan and his team. Incredibly knowledgeable, responsive, trustworthy and down right friendly. We had a last minute unexpected denial on our 2nd mortgage and he came through and found a solution and made it happen. We closed on time! Above and beyond is the best way to describe this guy. Just plain great.

Eric C., Chicago, IL 10/10/2013

Ryan and his team are the best I've worked with in the lending industry. They stay on top of every client and always get the loans done on-time and stress-free for my clients. They have helped many of my clients when other lenders were not able to secure a loan and they have done this with impossible deadlines. Ryan's knowledge of the various loan products is the most extensive I have ever seen and if he doesn't feel like his team is the right fit - he will let you know - this is the something...

Neeti Arndt, Dream Town Realty

About Ryan

I have been a mortgage professional for over 15 years. In that time, I’ve grown my business organically by word of mouth using referrals from satisfied clients. In 2015, I was recognized as one of the Top 100 mortgage originators in the nation by Mortgage Executive magazine.

Because my customers are so diverse, including first- time homebuyers, seasoned investors, complex self-employed individuals, veterans and foreign nationals, I can help you with financing across the board with loans amounts ranging from $50,000 to $15 million. I offer nationwide lending options utilizing conventional, FHA, 203k renovation, VA, construction and jumbo loans. Whether you are buying a home, townhome or condo; primary residence, second home or investment property; purchasing a new home, refinancing your existing home loan or seeking to pull some cash out of a property as part of a wealth management solution, I provide competitive rates and fees while maintaining the highest level of customer satisfaction.

I look forward to exceeding your expectations and earning your business!

Ryan interview Q&A

Tell us about a mortgage product that consumers may not be aware of?
There are a couple different products that many consumers are not aware of. For starters, while it’s awesome to be able to have a downpayment of 20%, many buyers (particularly first time home buyers) do not have the liquid assets to do so. There many programs geared toward certain demographics (e.g. first time homebuyers, household income below a certain threshold, or individuals buying within a targeted area) that make a client’s purchase more manageable. Additionally, many veterans and their families aren’t aware they might be eligible for a VA mortgage, with affordable interest rates and a down payment as little as 0%.
What are the top 3 misconceptions people have about the home loan process?
The top 3 misconceptions that clients have about the home process are: 1. They need to have great credit. In fact, many borrowers have less than stellar credit. My job, as a mortgage originator, is to find a loan program that works for you or let you know what steps are necessary to make your home purchase a reality in the future. 2. They need to have at least 20% down for most loan programs. Quite the contrary, many of our borrowers either are unable or prefer not to put 20% or more down towards the purchase of a home. 3. They need to have sizable income to afford a home of their own. Many of our borrowers are hard-working individuals with modest incomes. If you’re able to rent a home and comfortably afford it each month, then you likely could afford to purchase a similar property and have it be your own.
What provides you with the most satisfaction in your job as a Loan Officer?
I am so satisfied when I’m able to sit down at the closing table with my borrowers, see the smiles on their faces, and hear their kind words, knowing that I and my team delivered an unforgettable experience.
Tell us something that makes you unique or something wacky, yet interesting about you?
My whole family has been in the insurance business. To their dismay, I decided to be a mortgage originator, rather than joining them in the family business. Insurance just wasn’t my calling!

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