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Teresa Eliason

Vice President of Mortgage Lending
1859 N Lakewood Drive, Suite 102, Coeur d'Alene, ID 83814
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NMLS: 1090841
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TestimonialsCustomer testimonials Read more

This was my first time buying a home so naturally I didn't know what to expect. Teresa was proactive and has an amazing way of explaining the process. I am grateful I was able to be connected to her. I would definitely allow Teresa to help guide me through this process again in the future . Thank you.

Cyndal W. | 05/26/2017

I used to be a lender and I have many good recommendations. Currently the sharpest, fastest and most flexibile company I've worked with by FAR is Guaranteed Rate, Teresa Eliason.

Deb P. - 5/11/2017

Teresa Ellison was awesome - she should get a big bonus! She is the main reason I had a great experience. I talked to at least five other companies, but it was Teresa who always called me back and had answers to my many questions. You rock Teresa! Dan Howells

Dan H. | 1/4/2017

Teresa was outstanding throughout the process, from beginning to end. The entire process was easy to understand and I never felt forgotten.

Sean R. | November 2016

I absolutely loved my loan officer Teresa. She was fun to work with, knew the business very well. She made this whole process less stressful for me, and I so appreciate all of her help. I would recommend her to anyone!

Alisia W. | September 2016

My loan officer, Teresa Eliason, was absolutely AMAZING to work with. She has now done two loans for me and was fantastic with each transaction. She cares so much about her borrowers and does everything she can to make the loan process go smoothly. She is extremely knowledgeable and works tirelessly to take care of her clients. Can't recommend her enough!!

Marco C. | September 2016

It was an absolute pleasure working with Teresa. She was able to take a complicated process and simplify it explaining every step along the path to refinance. We are very glad to have found Teresa and we are very satisfied with the results of working with her. Teresa is the mortgage lender that you would be happy to recommend to your friends and family.

Andrew N. | April 2016

Thanks for making my refinance experience so simple! It is such a pleasure to work with honest, friendly, professional people!

Alisyn A. | October 2014

I had some family relatives that had recently bought a home & all we heard from them was how much of a headache the whole process was. Truthfully that was making the idea of buying a home very scary. Then we were referred to Teresa Eliason @ Guaranteed Rate & we could not have been more pleased to have met her. Teresa & her team made sure to understand what we were looking for & did everything possible to meet our requests. The whole process smooth, there weren’t any headaches like I had been...

Osvaldo R. & Nestor C. | April 2016

Teresa made my home purchase completely pain-free. I was incredibly stressed because I was selling one home and buying another. Teresa was always on top of my loan so it was one less stress for me. I loved that everything was done online, even my signatures on the initial documents. I really loved that they emailed me the appraisal as soon as it came in. It made the purchase more exciting to see the specifics of the home. I was so impressed with both Teresa and her team that when it came time...

Jeni W. | March 2016

Fantastic experience ! Teresa was fabulous. The entire office was more than easy to work with.

Merrill B - West Jordan, UT | Feb. 2016

I love the entire team. I purchased a home in March and recently refinanced with Teresa and her team. Totally love their professionalism and kindness. They treat me like I am an old friend. It's awesome to always be a part of each step of the process.

Jennifer W. - West Jordan, UT | Jan. 2016

Teresa Eliason was a complete joy to work with! SHE is THE reason I was able to buy the condo of my dreams - the particular details of the condo I wanted to purchase were making it difficult for my former loan officer to find a product that would allow my purchase to happen, but Teresa and Guaranteed Rate provided a loan product that enabled my dreams of home ownership to come true!! I couldn't be happier with my experience and plan to recommend to anyone interested in purchasing or...

Marco C.– Farmington, UT | July 2015

Teresa couldn't have been easier to work with and Marilyn did such a great job giving us ample time to submit documents both were AMAZING!

Michael P. – Pleasant Grove ,UT | JULY 2015

We feel like Teresa helped us get the best rates and lowest fees. We felt like we were watched out for and not taken advantage of.

Natalie D. – West Jordan, UT | Nov. 2014

Teresa was great to work with and very friendly!

Edmond K. -- Huntington Beach, CA 7/17/2014

Teresa handled everything so quickly and we were able to close much earlier than anticipated. She bent over backwards to get our paperwork completed and always communicated with us through every step of the process!

Christopher H. -- Draper, UT 6/13/2014

Teresa is a genuine person who is always thinking outside the box to find solutions to every client's loan needs. I have worked with Teresa on several transactions for my buyers and she has excellent communication with both the buyer and the buyer's agent. I would strongly recommend her to any person in need of a smooth, worry-free mortgage loan or refinance.

Amy Gibbons, Realtor

I turned to them for everything. They resolved all issues and if they needed something from me they let me know and made it possible for me to get it back to them in a reasonable time frame. I actually mattered to this team. They contacted me on a regular basis and walked me through everything. I could ask any questions and they were answered promptly and professionally. I absolutely hate surveys but I am more than willing to take my time on this survey because you guys deserve the best. I...

Autumn Marshall

About Teresa

Teresa and her team are respected by their customers and the real estate community for a high level of honesty, integrity, tenacity and customer service. Information, communication and listening are key components to her business model. Teresa listens to understand the borrower's goal upfront so she can provide the best product to fit the budget and financial objective. Understanding the differences in loan products and structure, Teresa takes the time to inform her borrowers about what is available and communicate with them consistently throughout the loan process. It is this level of communication that is essential to her effectiveness. In today's lending environment, no transaction is immune to surprises and obstacles. The key is to find a partner who is available, willing and prepared to keep the transaction on track. Teresa's motto? "Be disruptive & challenge the status quo; be transparent & do what we say and say what we do; be relentless - see it, own it, solve it."

Teresa interview Q&A

Who is your typical customer and what questions do they typically have?
I've worked with all levels of borrowers; from first-timers to commercial investors, and no matter how experienced the borrower, they all want to know the steps of the process and where they are in their transaction. They want to be able to get me or a member of my team on the phone to ask questions and get answers. Communication and responsiveness are key to my customers and my business.
What advice would you give new or first time home buyers?
Do your homework, team up with great partners and be prepared. Preparation and the people you work with can make the difference between getting your dream home and losing it to another buyer.
What part of the home loan process do customers find most difficult and how do you help them through it?
The documentation required to process a loan can be overwhelming. We gather a tremendous amount of paperwork from borrowers, and each time we receive something weýve requested, it may trigger the need to ask for something else. This is a normal part of the process and with some explanation and a little coaching up front, the documentation process can be a lot smoother.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
My website has a ton of information to inform borrowers on the mortgage process.
What can borrowers do to insure a smooth mortgage underwriting process?
The underwriting process is much smoother when we have the necessary documentation upfront. This way, the underwriter sees all of the details and we can avoid unnecessary approval conditions which could lead to more questions and more conditions.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in Montana and graduated from Arizona State University. For the 24 years that followed, I lived all over the world as a Air Force spouse. I love working VA loans for my military alumni!
What provides you with the most satisfaction in your job as a Loan Officer?
I'm a competitive person so I love getting a loan done that another loan officer couldn't do; however, I get the most satisfaction from my borrowers at the closing table. Most recently, one borrower said, "My friends and family said this was going to be hard. I kept waiting for it to get more difficult!" Happy customers and a job well done are my biggest motivators.
Tell us something that makes you unique or something wacky, yet interesting about you?
I used to be a radio DJ and went by the name "Shay Taylor."

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