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TJ Lynch

Vice President of Mortgage Lending
40 Skokie Blvd, Ste 450, Northbrook, IL 60062
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NMLS: 214491
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TestimonialsCustomer testimonials Read more

TJ Lynch made the whole process as simple as possible. He was fabulous. Loved the upload process and would gladly work with Guaranteed Rate again (even despite the affiliations with the White Sox) Thanks

Daryl C. | May 2018

TJ remained in constant communication with us and was very helpful through the entire process. The docusign process was also very easy and helped expedite getting the required documents in a timely fashion. Always a pleasure to work with TJ and his team!

Kevin H.

TJ Lynch is a consummate pro - the best!

David B. | January 2018

TJ Lynch and his team were very easy to work with. They were always professional and quick to respond. Even outside of normal business hours. I would highly recommend my friends and family to work with them.

Jack Q. | October 2017

This is my second experience with Guaranteed Rate and it was even better than the first time. Everyone was professional, patient and quick to respond. I appreciate TJ and his team.

Kim H. | September 2017

TJ Lynch went above and beyond to ensure all T's were crossed and all I's were dotted. He was honest, kind and trustworthy and I would recommend him and Guaranteed Rate to everyone. Thank you TJ for helping us move forward into the next chapter of our lives!

Aimee H. | September 2017

TJ Lynch and his team were very professional, responsive, and took the extra time to walk us through anything we didn't fully understand or just wanted some additional clarity on why something was being included. I was very happy with the process from start to finish. The online platform made it very easy to submit all the necessary documents and for signing our loan documents (which was extremely helpful with our on-the-go lifestyle). Thank you again for helping us buy our first home and I...

Joseph Q. | May 2017

TJ was so helpful with every detail and as first time home buyers he was patient and kind. He helped us through so many terms and processes. He was very responsive and easy to talk to. I was very impressed with his knowledge and appreciated his friendly demeanor. My only advice is that he turns his work cell phone off at night. I cannot believe the hours this guy works.

Veronica R. | March 2017

Everything went smoothly. Great communication by the team. We knew what to expect and when. Thanks guys!

Nathaniel P. | March 2017

TJ is a great Loan Officer! He was thorough and always available to answer questions.

Matthew S. | July 2017

TJ and Team! You are all amazing and your hard work does not go unnoticed. Thank you for your expertise, constant communication and your overall energy. This is the third time I have obtained a home mortgage. Why didn't I use Guaranteed Rate before?!!? Wow, all of you should be catapulted to the next level in your profession- yes, that good! Thank you again!

Deborah B. -Chicago, IL | APR 2016

TJ, Corbin and team were great. They always responded in a timely fashion and thoroughly explained everything when I did not understand. I will be recommending TJ to my friends and family. Thank you!

Sean C - Chicago, IL | Feb. 2016

TJ Lynch made the process easy and seamless. We are extremely pleased with TJ and his team.

John M. – Lake Forest, IL | AUG 2015

TJ and his team were excellent. Communication was always good and they kept me informed the whole time. Everyone we dealt with at Guaranteed Rate was professional and courteous .

G.R. -- 9/1/2014

I would recommend TJ based simply off how smooth the process went! TJ and his team did an excellent job!

Chad F. -- Glenview, IL 7/31/2014

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TJ interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I started in the mortgage industry in 2003. From 1994-2002 I was a trader in the S&P 500 Futures pit at the Chicago Mercantile Exchange. When I left the floor I entered into a Sales position that inspired my love of interaction with clients and seeing a tangible benefit appear before them. Wanting to combine my finance background and desire to help consumers I was naturally drawn to mortgage industry!
Who is your typical customer and what questions do they typically have?
From early on in my career, I was drawn to the first time home buyer. To be a part of such an exciting time for people has always given me a great sense of satisfaction seeing them walk out with a new set of keys and expressing their joy for their new milestone in life. However, I have also had the pleasure of dealing with a handful of high net worth clients that have come to me for options that might not have been presented to them from their traditional institutions.
What advice would you give new or first time home buyers?
Most of the time the first question I am asked is “I/we want to know how much we are pre-approved for?” My response is always the same. They need to have a deep and honest discussion with themselves or spouse about what they are comfortable paying each month for their housing payment. The biggest mistake they can make is over extending themselves on a home to find they can’t enjoy it since they are working to pay for it instead of being able to enjoy life.
What can borrowers do to insure a smooth mortgage underwriting process?
Education is key for any borrower. From first time home buyers to the seasoned investor it is important to know what your getting into from the start. Lender’s are taking a risk lending them money and for their protection, as well as the consumers, they want to make sure it is a sound investment for all parties involved. Most importantly in regards to them financially qualifying. There is a lot of paperwork that needs to be included and there is reason behind each requested document. Having their financials organized saves them not only time, but a great deal of stress is lifted when they know exactly where to find a supporting document. No one likes paperwork on their desk so we wouldn’t ask if we didn’t need it.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Being a father of 2 young boys I try to spend as much time as I can with them and my wife of 8 years. Weekends are spent cheering on my kids at one of their many sporting events and of course taking them to a friends birthday party that seems to be a staple in our family calendar! Since the middle of 2012 I have taken an active approach to my health and found a passion for running. Saturday mornings are usually started in the early morning with a long run. Recently, I had the pleasure of running the 2013 Chicago Marathon and raising money for the Leukemia & Lymphoma Society

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