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Sanette Isa-Bruton, CPA

Vice President of Mortgage Lending
7808 W. College Dr, Ste 2NE-SE, Palos Heights, IL 60463
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NMLS: 224388
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TestimonialsCustomer testimonials Read more

Sanette was amazing. I truly appreciate how she took her time to fully explain the entire loan process to me. She is the best.

Sydney Z.-Chicago, IL | MAY 2016

Our loan officer Sanette was extremely helpful in our buying process. I can't be more thankful to have had someone so knowledgeable in the industry. She made our experience very smooth and we look forward to working with her in the future.

Nicholas G. -Plainfield, IL | APR 2016

The team we worked with (Sanette, Rachel & Tom) was great. If we had questions they got right back to us. Everyone was wonderful. And always very pleasant. I already gave a friend Guaranteed Rates number.

John O. – New Lenox, IL | Sep. 2015

I appreciated the advice and guidance from Sanette Isa-Bruton. This was a refinance as part of a divorce settlement and there some challenges and delays and getting it underwritten. Sanette provided valuable feedback and answered all the questions I had throughout the process.

Christian C. – Tinley Park, IL | AUG 2015

Sanette, our loan officer, is great and did everything in her power to make this an easy process for us.

Aaron J.– Evansville, IN | July 2015

Sanette took a personal interest in our business, her replies were timely can complete and she was completely professional at all times! We will be sure to recommend her to other people.

Steven M. – Plainfield, IL | Mar. 2015

Sanette was the best!!!

Donald M. – Joliet, IL | Feb. 2015

We liked working with Sanette. She was wonderful and provided superior service.

Brooke H. - Matteson, IL | Dec. 2014

“Thank you Sanette! You’re the bomb!”

Sherri T. – Matteson, IL – 7/2014

Sanette was very helpful and knowledgeable. She was thorough and explained everything very well. Sanette returned all our calls very quickly and responded to emails promptly! It was obvious that she really cared about our nervousness of buying our first home. She was amazing and held our hands the whole time. I would recommend her to everyone I know!

Deena G. -- Chicago, IL 6/25/2014

Sanette was amazing!

Kirk C. -- Alsip, IL 6/16/2014

“Guaranteed Rate is the best! They are professional and made getting my mortgage easy and pleasant! Sanette Isa-Bruton is very knowledgeable and I will always finance with her. I would highly recommend Guaranteed Rate for all of your financing needs!”

Renee T. – Oak Forest, IL – 3/2014

“Sanette Isa-Bruton and her team at Guaranteed Rate were fantastic! From the very first phone call until I closed on my new home 48 days later, they were able to guide me through every step. The team was extremely professional in all of their requests for information and documentation. They were able to provide concise and accurate explanations for what was needed and all of the next steps involved. I would happily recommend Guaranteed Rate, especially Sanette, as a first stop for anyone...

John W. – Chicago, IL – 3/2014

"YOU. ARE. AMAZING."

Katie B., Realtor – Oak Lawn, IL – 6/2013

Hey, check out this amazing review from Donald about Sanette! “Thank you, Sanette, for keeping me updated every step of the way! This is the first time I have ever gotten the information I needed without hassling my loan officer over and over again for updates. Much appreciated!”

Donald E. – Oak Lawn, IL – 3/2013

Hey check out the amazing review from Shushawndra about Sanette! “Sanette was awesome!!! She was very professional and always followed up in a timely manner. Sanette provided exemplary service from beginning to end Sanette was outstanding, thanks again!”

Shushawndra G. -- Glenwood, IL -- 03/2013

Hey check out the glowing review from Joel about Sanette! “Sanette is the best and everything ran smoothly! Guaranteed Rate is a great company to work with and Sanette went to bat for us all the way! Thank you Sanette!”

Joel M. -- Orland Park, IL -- 11/2012

Hey check out the great review from John about Sanette! “Everything went really good! Sanette was very nice and helpful. She did an outstanding job going above and beyond! Thanks Sanette!”

John S. -- Lockport, IL -- 11/2012

Hey check out the incredible review from Renne about Sanette! “Sanette and the closer was both professional throughout this entire process. My compliments to Guaranteed Rate and Sanette for efficiently handling my loan! Thanks again Sanette!"

Renne T. -- New Lenox, IL -- 11/2012

Hey check out the amazing review from James about Sanette! “Sanette was an angel to work with! The entire staff went way above and beyond my expectations. They put my family at ease throughout the loan process. I only wish everyone I ever worked with professionally worked as hard. Thanks again Sanette!”

James P. -- Mokena, IL -- 02/2013

Sanette interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
Having graduated from DePaul University with a double major in Accounting and Finance, I practiced accounting for 13 years prior to transitioning into the mortgage lending business 14 years ago. My business background and knowledge of money matters allows me to create spreadsheets that compare loan products like the FHA, VA and conventional loans. Starting with my buyers\' monthly payment goal, I back into a purchase price using not only the interest rate but also down payment and closing costs to create comparisons that allow my clients to choose the best fit for their goals, both short term and long term. Whether you are a first time home buyer, purchasing a second or vacation home, or a seasoned real estate investor, my custom worksheets contain all the details one needs to get the perfect home loan.
Tell us about a mortgage product that consumers may not be aware of?
Mortgage Credit Certificates (MCC\'s) are one of the very few first time home buyer incentives still available. Most require state, county or municipal participation. Any loan product can be used in conjunction with an MCC and income and purchase price limits must be met. The federal income tax benefits available with MCC\'s are tremendous. The first $2,000 of mortgage interest you pay to the banks is actually refunded to you by the federal government in the form of a tax credit. It is a dollar for dollar refund that puts the money directly in your pocket. Chicago has the Tax Smart program and I try to get as many of my first time homebuyers purchasing in the City of Chicago in it as possible. MCC\'s are not loan products but piggyback onto any loan product you want to use. It works wonderfully with FHA loans, Veteran\'s Administration loans or Fannie Mae/Freddie Mac conventional loans. Any time I can get my client\'s free money, I go for it!
What can borrowers do to insure a smooth mortgage underwriting process?
Buying a home is an exciting time but it can also be stressful. Paperwork requirements must be met so it is critical that we collect required items upfront rather than later in the loan process. This allows me to review bank statements and job history in detail to identify potential \"red flags\" or obstacles that need to be explained or supported. Having the time to gather necessary information will allow us to put our best foot forward with the underwriter, minimizing the need for documentation on the back end. Large deposits and job changes are two examples of things that must be explained whether you are seeking an FHA loan, Veteran\'s Administration (VA) Loan or Conventional Loan. It is not a matter of me believing you, but rather the loan application file being able to stand on its own so that anybody picking up your file can easily tell you are qualified.
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?
Although I live in Orland Park, IL now, I grew up in Chicago's McKinley Park neighborhood. I graduated class Valedictorian from Curie H.S. in 1984 and earned my B.S. from DePaul University in 1988 with a double major in Accounting and Finance. I am a member of the Orland Park Area Chamber of Commerce. I am an affiliate member of the Mainstreet Organization of Realtors. I also volunteer my services to the Veteran's Outreach Program of Illinois. I regularly conduct seminars on various topics including getting and maintaining great credit, how to buy your first home and how to make investment property purchases. I also serve as the Finance Committee Chair for a scholarship fund at the University of Illinois Chicago.
Tell us something that makes you unique or something wacky, yet interesting about you?
I love the mortgage business and sometimes it feels like that is all I do. Having a 7 year old son at age 46 keeps my quite busy, changing my social life tremendously. I love celebrating my clients\' loan closings by stepping out with them to a swank restaurant afterward. It is my favorite part of the entire loan process - being a part of your new life and home at the very beginning. Cheers to you!

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