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Andrew DiCarlo

Mortgage Associate
1800 W Cuyler Ave, 2W, Chicago, IL 60613
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NMLS: 978601
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For me 39 years old and a First time home buyer, not knowing what to expect Andrew and his team made everything run so smoothly. This team is very efficient, always responsive to me and my many questions with correct knowledge. The experience of buying a home was nothing like I have heard from others using local banking, running back and forth signing and then resigning. I love the ease of online application and signing of documents all the while having direct access to a person.

Thera D. - Dexter, MO | Jan. 2016

About Andrew

After graduating the University of Kansas with degrees in business and economics, I entered the mortgage business. I began my career in my hometown of Kansas City where I learned to place service and professionalism first, from some of the most respectable mentors I've known. During that time, I honed my skills and industry knowledge to deliver unparalleled value and built relationships with many clients whom I still work with today.

After speaking with representatives at Guaranteed Rate, I determined I could better serve my new and existing clients, with the team that I would build here.

I strive for excellence in delivering the best options available, and look forward to serving you.

Andrew interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the business for about five years. My aptitude towards problem-solving, and my natural desire to help people accomplish their dreams, while maximizing wealth, made my work a natural fit.
Who is your typical customer and what questions do they typically have?
I work with a diverse clientele; from first-time homebuyers to experienced investors.I am an open book and welcome any questions.
What specific steps do you use to help your customers find the best home loan for them?
Many people looking for a mortgage loan are looking for the "lowest rate" and/or to see "what they qualify for". I've found that what people really want is to save money, and/or find a home that they're happy in. I will get to know what you are really looking for, and leverage Guaranteed Rate's diverse product offering to find the best arrangement possible, while saving you money in ways beyond even the most competitive interest rates.
How long have you been in the mortgage business? What awards have you won?
I entered the business in 2012. The following year, I was named to our Vice President's team, where I served my customers for two years, becoming a top producer through diligent execution of the promises made to my customers. I moved to Guaranteed Rate in 2015, and I've found it to be a great decision!
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Fixed-rate loans are overwhelmingly popular right now, due to the relatively low rate market that we're in. They offer consistency and safety in budgeting for 10, 15, up to 30 years. While the stigma surrounding an adjustable-rate mortgage has been tarnished by the media during the recession, there are merits to such an arrangement. ARMs offer lower interest rates that are secured for a fixed period (up to 10 years). If someone knows that they will likely not be in their home, or carry a loan for more than the fixed period (corporate relocation, retirement, etc.), then they offer the opportunity to save tens of thousands of dollars, while still offering consistency in your budget.
What part of the home loan process do customers find most difficult and how do you help them through it?
When deciding on a mortgage lender, most people want to explore multiple options to ensure they're maximizing their savings, while finding a loan officer who will work for them, not themselves. I make sure that anybody that looks to working with me has a clear understanding of how the process works, and educate them in how to make an informed decision-even if there is a better fit elsewhere. Due to the vast array of mortgage options offered by Guaranteed Rate, and my understanding of the pros and cons of different mortgage types, I've been able to deliver superb value and structure loans that weren't even considered elsewhere, saving my clients time and money.
Are you active in any fundraising organizations? What goals and/or success have you helped them achieve?
After graduating from the University of Kansas, my good friend (and roommate at the time), started Friends of Operation Breakthrough. We built a non-profit group of young professionals who wanted to help Operation Breakthrough succeed in their mission to help low-income families through offering mentoring, daycare, tutoring, clothing, food and more. Our most recent New Year's Eve gala drew over 400 people and generated over $40,000, allowing us to further the mission in a huge way!
Tell us something that makes you unique or something wacky, yet interesting about you?
I'm a history fanatic, and have started earning my pilot's license. I want to travel to as many countries as I can in my life-there is so much more out there!

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