GuaranteedRate - Mortgage Company

Andy Lesher

VP of Mortgage Lending
1240 Iroquois Ave, Ste 300, Naperville, IL 60563
Contact Andy
NMLS: 397058
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TestimonialsCustomer testimonials Read more

I want to thank Andy Lesher for going above and beyond to help me secure my loan. He was in constant contact with me either by phone, e-mail and text regarding the status of my loan or what was needed for the process. Andrea and Liz were also very helpful making sure all my documents were in order. When my ex-husband was late in sending proof of loan payments, and he finally faxed them around 8:00 p.m., Andy worked into the night to get my approval. I was impressed beyond words about that. I...

Claudia W. - December | 2017

Andy Lesher and his team did a great job at helping me to close the loan.

Raymond W. - November | 2017

Andy Lesher was great to work with. He answered all my crazy questions with no problem at all. I would recommend him to any of my friends or family that were in search of a mortgage.

Kevin F. | October 2017

We cannot applaud and commend Andy Lesher and his team enough for their availability, assistance and expertise in making this somewhat grueling process a very pleasant experience. I will not hesitate to recommend Andy and Guaranteed Rate going forward. "Thank you" is just not enough to express our gratitude.

Garry H. - October | 2017

Andy Lesher was amazing. My son will be using him in a few months to purchase a home.

Peter B. | October 2017

Improving my credit and refinancing again to lower my payment

Amy C. - Funded 10/13/17

Andy was amazing and kept us informed and at ease every step of the way!

Aaron B. | August 2017

Wonderful people to work with. Andy was right there with us all the way. Made a complicated task a breeze.

Bruce R. | October 2017

Andy Lesher and his team were a pleasure to work with through the entire loan process. The team was very responsive to questions and continued to followup throughout the time that we worked together. I would strongly recommend the use of Guaranteed rate to anyone, and will be using them for my next home purchase. Our closing was completed on time without delay, our Loan officer Andy Lesher drove several hundred miles to our closing location to ensure that closing would go as planned, and was...

Jarett E. | 4/27/2017

Very easy. Answered all my answers in a quick time frame. Andy did a great job and it was a smooth loan application process

Christine F. | 8/11/2017

Mr Lesher was absolute great to work with. Always picked up his phone and answered emails incredibly fast. He was very knowledgeable and helpful with everything. Would definitely recommend him and use him again. I am very satisfied and made getting a loan pain free. Great work.

Daniel G. | 5/15/2017

Andy Lesher and his team made everything so easy! I was so nervous about the whole process and wanted everything to go smoothly, and it did. Andy kept reassuring me that we were right on track with everything and not too worry and he was right. It all went smoothly and I couldn't of asked for anything more! I highly recommend Andy and his team!

Shannon S. | 5/17/2017

Working with Andy at Guaranteed Rate was wonderful, everyone was very helpful and always ready to answer any of our questions. The staff was great working with us on finding a great loan that worked with us and I would recommend Andy Lesher to anyone. Thank you for working with us!

Alexander F. | 7/26/2017


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Andy interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
19 years. My inspiration is to help families achieve the American dream of home ownership.
Who is your typical customer and what questions do they typically have?
My customer base ranges from first time home buyers to seasoned real estate investors.
What specific steps do you use to help your customers find the best home loan for them?
I like to find out my customers needs and help them find a loan product that fits their family best.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
The difference between the two products is that the interest rate is not fixed for the life of the loan on the ARM. The trade off is a lower rate and lower monthly payment for the ARM, but the rate will adjust after the initial fixed period. Different products for different needs.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
I helped a family that was relocating out of state on their new purchase. After some challenges finding a new property, we were able to meet the closing date with only 15 days to close. The borrowers and agents were thrilled with our team and process. The agents felt that this was the best lending experience they have had in their entire career and stated that the communication by our team was the only reason that we met the contract date.
What advice would you give new or first time home buyers?
Don’t be scared of the process! My team and I have a great network of agents and we will make sure that you have the best home buying experience from beginning to end!
Tell us about a mortgage product that consumers may not be aware of?
Guaranteed Rate currently offers the “3-2-5” purchase program. The home buyer only has to put 3% down of their own money. Guaranteed Rate will then give the buyer 2% of the purchase price to use for anything they would like. They can use this for closing costs, additional down payment or to buy down their interest rate. It is a very flexible product to help clients meet their needs in a very competitive purchase market. We are the only lender offering this as an option.
How has the mortgage industry changed since you started, and what would you expect in the future?
The mortgage industry has greatly changed from when I started. The one thing that is constant in this business is “change”. I see the loan process always evolving with new technology being introduced daily.
What part of the home loan process do customers find most difficult and how do you help them through it?
Gathering the necessary documentation for loan approval. The way we combat this challenge is to ask very early in the process to provide what we need to approve you. Communication is the key for a smooth process!
What are the top 3 misconceptions people have about the home loan process?
1) “I can never own a home” 2) “It is impossible to get approved” 3) “I could never afford a home”
What can borrowers do to insure a smooth mortgage underwriting process?
Provide what is asked for by the underwriter. They ask for items because they are needed for your approval. They are not asking for unnecessary items just to collect paper!
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in Roselle, IL and currently reside in St. Charles, IL. I am married to Colleen for 15 years and I have 3 children Ally, 13, Jack, 11 and Katie 8. I attended Illinois State University where I played Varsity Football. I am a 1995 graduate of Lake Park High School.
What provides you with the most satisfaction in your job as a Loan Officer?
The satisfaction that I helped a family achieve their goal of home ownership!
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I currently coach youth football for the Carol Stream Panthers and I also coach youth wrestling for SCN Youth Wrestling Club. I enjoy helping young men grown into great students, sons, brothers and athletes.
Tell us something that makes you unique or something wacky, yet interesting about you?
I was a die hard student athlete in high school. I thrived in a competitive environment and enjoyed the team atmosphere. I think that is why our team is so successful helping people with their dream of home ownership! It takes many people to help each client and we have the best in the business! Cheers!

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