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Tania Morgan

Senior Loan Officer
3940 North Ravenswood, Chicago, IL 60613
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NMLS: 206259
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TestimonialsCustomer testimonials Read more

Tania was very responsive and easy to communicate with via email, etc.

Ernesto A. – Park Ridge, IL | Mar. 2015

Tania Spiros is outstanding! This is the third or fourth time I have worked with her and she has always done an exceptional job.

Jon D. – Chicago, IL | Feb. 2015

Tania Spiros is outstanding! This is the third or fourth time I have worked with her and she has always done an exceptional job.

Jon D. 02/02/2015

Tania Spiros is amazing. She made the refi process easy and quick. She was quick to respond to my emails and phone calls. Highly recommend her to anyone!!! She offered me a number of options. I ended up with an incredibly low interest rate...better than expected

Aksana B. 01/28/2015

Tania Spiros and she was so helpful and patient with me through this process. I will definitely be recommending Guaranteed Rate, and specifically Tania if any of my friends or relatives are looking for a home loan/refinance!

Sylvia S. – Skokie, IL | Dec. 2014

I worked with Tania Spiros and she was so helpful and patient with me through this process. I will definitely be recommending Guaranteed Rate, and specifically Tania if any of my friends or relatives are looking for a home loan/refinance! Cannot say enough positive things about Tania Spiros!! I've now used Guaranteed Rate multiple times and the experience has always been a positive one. When I realized that I was going to need to refinance, and because of my past experience with Guaranteed...

Sylvia S. 12/18/2014

Chase was more expensive. They eventually matched Guaranteed Rate but I decided to give our business to Guarantee Rate since the costs and rates were great from the very beginning.

Fred K. 11/12/2014

Tania was phenomenal!

Calida M. -- Chicago, IL. 10/17/2014

Tania was awesome. Always returned calls and answered questions.

Yves M. -- Quincy, MA. 10/15/2014

Everything went smoothly. There were no surprises. My loan officer was upfront with me throughout the process. No games, very straightforward. Easy to reach with questions. Great customer service. I would definitely use guaranteed rate again.

Sandra W. 10/27/2014

Tania was awesome. She always returned calls and answered questions.

Yves M.

Tania and Guaranteed Rate were ready to close in an amazingly short time. We got a great rate and low fees as well.

Prairie Grove, IL

Working with Guaranteed Rate was a great experience. I dont have much to compare to as this is my first time purchasing a home, but I closed on time and within 30 days. This was with a FHA loan and a downpayment assistance program. Tania was my loan officer and she was completely on top of things. She was always there when I had a question and was able to answer it with no problem.

Danielle C.

Tania Spiros was absolutely unbelievable to work with. She was diligent, responsive and really helped me understand the whole process. I just felt comfortable with Guaranteed Rate, mainly from Tania's guidance.

Kathleen O.

Hey check out the great review from Suz about Tania! “I first worked with Guaranteed Rate when I bought a house and now for my refinance. Top notch service each time, offering highly competitive rates, responsive and friendly service, and they get the job done fast! They know that customer relationships are everything, and they really strive to earn your trust and develop a long term relationship. I had great experiencing both times, highly recommending Tania Spiros and Travis...

Suz C. -- Lombard, IL -- 02/2013

Hey check out the amazing review from Raju about Tania! “This is perhaps the fourth time I have refinanced in the last decade. I was referred to Tania Spiros by a friend and I must say she was easily the best, most efficient mortgage refinancer I have dealt with! I have never left a review but Tania was so efficient I felt compelled to leaving a review!”

Raju S. -- Chicago, IL -- 01/2013

Everything went very well. Taking everything as a whole, I really couldn't be more pleased...Tania Spiros from Guaranteed Rate called and, quite simply put, I found her to be the most pleasant person I had spoken with.

Russell B. - Chicago, IL 10/2011

Tania interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
I really pride myself in listening to what my customers are looking for to determine what home loan will work best for them. For instance, what are their long term goals are and their short term goals. Is their goal to pay the mortgage as quickly as possible, or have the least expensive payment? How long do they plan on keeping the home? Do they have jobs where the income fluctuates? Will they have children in college soon? Do they have a lot of existing debt that they need to pay off? These are just an example of some of the questions I like to find out to determine what home loan is best for my customers.
What advice would you give new or first time home buyers?
I love working with first time home buyers because I can remember being in their shoes (over 13 years ago) when I purchased my first home! Buying a home for the first time is stressful; you are anxious for the change, excited for the move and fresh start, and often a bit nervous about the financing aspect of it. I like to go over the entire process with my customers, even from the first phone call of getting Pre-Qualified or Pre-Approved. I also remind them over the loan process that if they have any questions, anytime, to ask ... even if they think they are \"silly\". There is no such thing as a \"silly\" question, and I want my customers to be in the know. They need to have a clear understand of the process from beginning to end. I also like to give them worst case scenario when telling them how much money they will have to bring to closing. It\'s always better to over-estimate than to underestimate. A customer will never be upset if they end up having to bring less to closing than what they thought!
What part of the home loan process do customers find most difficult and how do you help them through it?
I think the part of the loan process that customers find most difficult is the waiting. Doing a mortgage loan, whether it is a refinance, or a purchase, takes time, especially in today\'s market. Often the largest lap of time in the loan process is the period between gathering their loan documents together/signing the loan application, to receiving their file out of underwriting. I like to set clear expectations upfront to let them know how long the process will take. I would rather be quicker than they expected than slower than they expected. I also continually give them updates and check in with them as much as needed.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
In my spare time, when I'm not helping people with their home loans I enjoy working out. It helps me so much physically AND mentally. I started running in 2001 and have completed three marathons so far, and plan on completing my fourth in a couple months, and have done countless smaller races during that time. I also started doing triathlons about two years ago, and have completed about a dozen so far. They are a lot of fun, and I highly encourage giving it a try!
Tell us something that makes you unique or something wacky, yet interesting about you?
My true passion is horses, and training horses. I have been riding since I was in 4th grade and I cannot remember a time that I didn\'t LOVE horses, which is slightly ironic since I grew up in Chicago!? I used to do Eventing which is a combination of, jumping in a stadium, cross country jumping (jumping in a field) and dressage. The only tragic part of my love for horses, and competing them, is the price tag that goes along with it!

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