GuaranteedRate - Mortgage Company

Ben Milam

Vice President of Mortgage Lending
35 S. Washington St., Suites 305 & 306, Naperville, IL 60540
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NMLS: 191897
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Ben and his team made it simple! Any questions we had weather it was in an email or phone call was answered right away. They made it easy!

Mike K. - Batavia, IL | DEC 2017

Ben and his team were incredible. Very grateful for them!

Ian S. - Naperville, IL | NOV 2017

Ben and his team are able to make a complicated process seem simple. In each contact they always passed on a kind, encouraging word. We tell everyone that will listen how satisfied we are with Ben Milam and Guaranteed Rate.

Deborah P. - Warrenville, IL | OCT 2017

This is my third mortgage with Ben Milam and Guaranteed Rate. It has been a great, no hassled experience all 3 times. If I need a mortgage again or if a friend of family need a mortgage I will definitely have them get in touch with Ben.

Robert S. - Oswego, IL | OCT 2017

Ben Milam and his staff are kind and extremely efficient. The process went very smoothly and I would highly recommend them.

Cynthia M. - Chicago, IL | Sep 2017

We have a long relationship with Ben- he always has our back. Easy and quick process for us!

Katherine K. - August | 2017

The online application was extremely easy to use. I was able kept up to date on the status and didn't have random people calling me like some banks. This was the best experience I have ever had with lending. Ben and his team were absolutely great and I will continue to sing their praises to anyone buying a home!

Donna Z. - Funded 8/2/17

Excellent service. Never had to worry about anything. Great communication. Overall a fantastic process.

Ryan M. | July 2017

Great Team!! They kept me informed throughout the loan process.

Trena H. - July | 2017

They worked really hard to help get my loan approved. Everyone was professional and efficient. I would get nervous when I did not hear from them for several days (first time buyer jitters), but my loan officer or another staff member was able to assist. They always followed up to confirm they received any documents I submitted, which helped the process run smoothly.

Joselyn D.

Everyone was extremely helpful, especially as a first time homebuyer. Thanks to Ben and his team!

Zachary Z.

Ben & Michelle made it easy! Process was painless and they did a great job explaining things!

Christy C. | 6/19/2017

Start to finish we were treated like adults. After being turned down by a local community bank, and being treated like children, we felt pretty awful. Then we heard this bank turned down a lot of our neighbors, so we took a recommendation and called Ben Milam. He and his associates were so positive and so professional. We expected very little and were sure we would be turned down up and through underwriter review; they kept telling us it looked good, but we were so dejected from the first...

Dawn Marie. G | 06/13/2017

Ben Milam and his team were awesome to work with and were very professional.

Lukas W. - June | 2016

Ben Milam and team were great. They made it a great home buying experience. We are very thankful for their hard work and care.

Joshua L. | 06/02/2017

Words can't describe how awesome guaranteed rate was! Ben, Lauren and the rest of the team were on top of everything. Lauren was with us every step of the way. She answered every question and worry we had. I will recommend guaranteed rate to anyone in need of a home loan. Thank you guys for everything! Ben has an amazing team!

Patrick M. | 05/17/2017

Fast friendly service with detailed advice.

Luis C. | 05/30/2017

Overall, Ben was fantastic. I have no intention of ever working with a different loan officer.

Juan E. | 04/17/2017

Ben and his team were amazing, they processed my loan in a very short window so that I could close on time.

Gary E. | 4/6/2017

Ben Milam was a true star. From start to finish he made everything as simple as possible for us. He made sure we understood everything, The Who's what's why's were all covered. He responded to our emails very promptly. We couldn't have found a better person to handle our transaction. He made us feel comfortable during the most uncomfortable times, Ben went above and beyond in all aspects of his job.

Aaron C. - Lisle, IL | APR 2017

Absolutely had a great experience. Ben turned what was a very stressful time in our life to such a great easy experience. I will reccomene guaranteed rate to anyone who will listen

Mario R. | 3/24/2017

Ben and his team are absolutely amazing!

Lawrence S. - 3/24/2017

Everyone at Guaranteed Rate I communicated with was professional, informative, helpful, and friendly. I had a great experience working with this company.

Greg R. | 3/17/2017

We have used our local bank in the past to obtain a mortgage and it was a terrible and difficult experience. Guaranteed Rate was so efficient and the people where nice and easy to work with. I would highly recommend!

Joseph B. - March | 2017

Was very happy with my experience from beginning to end. I had an identical loan offer from another company but went with GR and Ben Milam because of the excellent customer service.

Logan J. 3/17/2017

Everyone at Guaranteed Rate were very professional and treated us better than any other place we contacted. Thank you all for making our dream come true.

Richard L. | 3/1/2017

Ben and his team made the process for a first time homebuyer smooth. They were all professional and answered all my questions promptly. I would recommend Ben and his team to any first time homebuyers, or even if you are on your 5th home. Thank you again!

Anthony H. - February | 2017

Ben was extremely helpful and accessible throughout the entire loan process. It was our first time purchasing a home, so we had a lot of questions for Ben. He always treated us with respect and patience and made it all very easy

Robert K. || January 2017

Ben found the perfect loan for us. I have already told other friends of mine about the great experience I had using Guaranteed Rate. I didn't have any last minute issues and my closing went perfect. Thank you.

Charles M. | January 2017

Ben and his team were amazing...the whole process was smooth.

Bryan F. - Dec 2016

Ben Milam was our loan officer and he exceeded our expectations! He was always available day or night to answer our questions. We have already passed his information along to people we know looking to buy a new home and will continue to do so!!

Christopher C. || 12/15/2016

Ben Milam is a terrific professional and serves alongside a highly competent and dependable staff. I believe we have refinanced our mortgage 3 times with Ben and recommend him/them highly.

Michael B. | 12/09/2016

Ben Milam and team were amazing! They saved us from a bad situation and were friendly and quick and exactly what we needed! I was so grateful for all that they did and the speed in which they did it! Thank you!!!!

Jennifer M. | 12/5/2016

Ben Milam did a great job explaining everything throughout the entire process. The team that collected and processed my paperwork also did an excellent job. I will, and have, recommended Guaranteed Rate!

Ian V. | 12/09/2016

Couldn't have asked for a better company to work with, our process went smooth and quick!!! Definitely recommend Ben Milam! No matter what time of the day it was he was willing to help. Thank you so much we are very happy in our new home!

Kinga W. | 11/30/2016

Ben Milam was very helpful. Always willing to thoroughly explain things and answer questions. I will refer friends and family to him.

Brian Z. | 10/28/2016

Ben and Michelle were great! They answered my questions quickly and were always friendly! I got exactly what I wanted out of refinancing and it was really fast!

Katie M. | 10/17/2016

Ben Milam was great - very prompt replies and knowledgeable.

Uto S. | October 2016

Ben and the team did an amazing job getting a loan secured for me in a short less than three week time period! It was a huge help getting my condo secured on the closing date! Thanks again.

Maulik P.

Ben and Carla were fantastic. They spent a lot of time answering my questions to ensure I was completely knowledgeable. Ben and Carla were both extremely courteous and friendly the entire time as well.

Luke F. - 9/23/2016

Ben Milam and his team were very responsive and professional. I'd recommend them to anyone.

Mitchell P.

It was a very quick and easy process. Ben and his staff were super!!

Antoinette L.

Ben Milam was very helpful in answering any questions I had throughout the process. Overall, I had a great experience with him and his teammates.

Cory L. | 09/06/2016

Ben is the best; top notch, couldn't have made it easier. Carla was very helpful as well.

Jason S. - 8/29/2016

We've already referred someone to Ben for a refinancing! He made the process very easy, he was very transparent and communicative the whole time, and would reach out to me proactively to let me know something was needed or an email was coming our way. I would definitely work with Ben again.

Kelly S. -9/1/2016

We've already referred someone to Ben for a refinancing! He made the process very easy, he was very transparent and communicative the whole time, and would reach out to me proactively to let me know something was needed or an email was coming our way. I would definitely work with Ben again.

Kelly S.

Ben is great to work with. He always has his client's best interest in mind. Thanks.

John N.

It was a very smooth experience. Also, all of the staff were very helpful. Ben Milam was extremely responsive and great to work with. We have recommended Ben and his team to others already.

Cynthia C. - 8/16/2016

Carla Hastert and Ben Milam could not have been more enjoyable to work with. They both kept me informed throughout the entire process and helped me stay organized and on top of things during what can be a very hectic time.

Michael F.

Ben and his team made my process easy and stress free from day one. They always answered any questions I had without hesitation. They kept me well informed with the entire process and all important dates and documents.

Latasha W. 07/07/2016

Ben and his team were absolutely fantastic. Ben under-promises and over delivers. Ben was referred by my R/E attorney and I am beyond please we selected him. I just can't say enough about this team.

Martin B. 06/29/2016

Ben Milam was fantastic to work with. He was readily available to answer questions and address any concerns we had during the loan process. We appreciated a relatively stressful life event, buying a house, being so easy with the support of Ben, his team, and Guaranteed Rate.

Rachel M.

Ben and his team did a phenomenal job assisting me with my loan application. The systems that Guaranteed Rate uses to collect data are very easy to use and help a great deal when trying to pull together all the required information for a loan. Ben/Guaranteed Rate helped me with understanding the process required and also assisted with action item lists that would help streamline the loan process. Thank you again to Ben and his team for the great support and I will definitely use Guaranteed Rate...

Jeremy Z. - Funded 6/17/2016

Ben helped us through every step of the way and was accessible by phone and email for every single question we had. Thanks for everything Ben!!

Brittany B. - Funded 6/20/2016

Ben Milam and his team did a great job!

John S. June 9, 2016

Awesome experience - thanks to Ben Milam!

John H. May 23. 2016

Ben Milam and his team took me from pre-qualifying to closing in a matter a 3 weeks. It was amazing. Give that guy a raise!

Andrew S. - Funded 5/31/16

Ben and his team were so fast and easy to work with. Laid out my loan options very clearly. All the paperwork/DocuSign stuff was easy to follow. I am so glad that i took my friend's recommendation to work with Ben Milam's team for my home loan!

Jacob G. - 6/10/2016

Ben Milam was absolutely outstanding. His knowledge was impressive and he was so on top of everything. And this could just be me, but he seemed to always be up to speed and know exactly what was going on at every point in the process. When he didn't know something off the top of his head, he was always gracious with his availability and time to look up an answer or swiftly get back to me. Ben instilled trust in me for the competency, integrity, and efficiency of not only himself, but of...

Daniel W. - Funded 6/7/2016

Ben Milam absolutely rocks the house! He is so professional, patient, and truthful. This was the smoothest mortgage or refinance I have ever had. His entire team that works from beginning to end is also very professional, helpful, and has a sense of urgency. We funded in 38 minutes. No one funds in 38 minutes unless you are well prepared!!! Job well done!!!!!

Tonya M. May, 2016

Ben and his team are excellent! They made the entire process very easy and they were fast. I have already recommended Guaranteed Rate to several people.

Cheryl K. - 5/18/2016

Ben is a great loan officer and went out of his way to make sure I understood every step in the process. Would recommend him anytime.

Cesar S. - 5/13/2016

I never knew getting a loan could be this painless. Everyone was proactive which made the process so smooth. I will recommend them to everyone I know.

Jennifer M. - 5/2/2016

Perfectly and smoothly! This is my first home purchase, and people have told me horror stories about getting approved and the whole loan process. I did not experience any of that. Ben Milam and his team was fantastic.

Anne P. 7/2011

I would simply like to respond by saying that there's no one better than Ben Milam at Guaranteed Rate. I have worked with Ben before when we refinanced about a year ago. We were well served by Ben and the entire staff and have already put two friends in touch with him about their own refinancing needs. It is through Ben that we worked with GR. Thank you for your professional service!

Michael B. - Palos Heights, IL 10/2011

Ben Milam did a great job in communication, getting the absolute best loan possible for me, being clear on what I needed to do, and providing all the help I needed to get this done.

John N. - Naperville, IL 7/2012

Hey check out the amazing review from Nick about Ben! “We love Ben Milam and his team. They are professional, deadline oriented, smart and get the job done. I have worked with Ben several times and I have referred him to others! He is an outstanding mortgage professional. Listens to his client’s needs and tries to find the product to fit their needs. I have worked with many lenders and he is, by far, one of the best!”

Nick H. -- Woodridge , IL -- 01/2013

Hey check out the incredible review from John about Ben! “Ben Milam did a great job getting the paperwork moved through the system quickly and efficiently. Everything went very smoothly! Thanks for all of your hard work Ben!”

John B. -- Naperville, IL -- 01/2013

Hey check out the amazing review from Ben about Paul! “Ben was great to work with, and came through with multiple discounts we would have missed had we not dealt with him. Additionally, he worked seamlessly with my relocation company and even guided them toward credits to be applied. Based on this experience with your company, and with Ben, an element of trust and rapport has been established I will certainly use Guaranteed Rate again!”

Paul A. -- Naperville, IL -- 03/2013

Ben was awesome!

Melissa M. – Schaumburg, IL | Dec. 2014

This is the second home purchase we've done with Ben Milam. I have to say, he is one of the most responsive people I've ever encountered. Regardless of time or day, he always immediately responded via email or phone to address my questions. I've referred at least 5 people to Ben. Truly, one of the best business people I've ever worked with.

Kerry K. - Funded 9/17/2015

We liked everyone who worked with us and felt that Ben went above and beyond to finish our loan and resolve issues along the way.

Jonathan H. – Carterville ,IL | June 2015

Extremely easy to work with. Open with me about the process and quickly answer my questions. Trustworthy.

Christopher B. - Funded 9/29/2015

Ben and his Team were on top of all items needed to complete our transaction in a timeley manner.

Benjamin E. – Newark, IL | June 2015

Ben Milam was absolutely amazing! He did a fantastic job and was extremely responsive. Ben built trust with me and I had faith in him that he would get the job done. We were on a tight timeline and he made it happen. Just an excellent job all the way around.

Terpstra S. – GENEVA, IL | AUG 2015

Ben Milam was very helpful exploring all options and finding best setup for my situation and needs.

Nicholas J. – Chicago, IL | JULY 2015

Ben was extremely helpful and expedited the loan process for us. Everyone on the team was very professional, helpful, and affable. Great job!

Corin H. – Wheaton, IL | May. 2015

" Ben Milam is extraordinary! I absolutely 100% trusted his capable hands from the beginning to the end. Ben and his team did the impossible. I got the loan for a new home(condo) for my daughter and I in less than a month, in spite of naysayers! Heartfelt thank you for making our biggest wish come true before Christmas time. Regards, Maggie Skiba "

Malgorzata S. - Westmont, IL | Dec. 2015

Professional - Honest - Caring - Attentive. Guaranteed almost made securing a loan a pleasure, the mountain of paper the only negative, and not their fault at all!

Gary S. - Plainfield, IL | Jan. 2016

Ben Milam and his entire team made the process as easy as possible. They were always available through phone or e-mail and were always true to their word. I will definitely recommend to friends and family.

Franklin N. - 2/19/2016

Enjoyed working with everyone. Ben was fantastic!!

Tiffany S. - Funded 2/26/2016

I have worked in the mortgage industry for over 30 years and have never seen better service and professionalism. The process was like clock work with everything done well ahead of schedule. Kudos to Ben and Carla for a job very well done!!

Ricky S. - Funded 2/26/2016

Ben Milam and his entire team made the process as easy as possible. They were always available through phone or e-mail and were always true to their word. I will definitely recommend to friends and family.

Franklin N - Park Ridge, IL | Feb. 2016


William G. - Funded 3/11/2016

I had an excellent experience working with Ben Milam, Kristy Wyatt, and Carla Hastert. Their communication was clear and timely, and they made the process easy to understand.

Ryan S. - Funded 3/25/2016

Thank you so much! The process went seamlessly! It was SO well organized and I was kept up to speed on the progress the entire time! You all made it easy! It was a pleasure working with ALL of you. I will definitely refer you to all my friends!

Joanna W. - Funded 3/25/2016

Ben Milam did an excellent job getting our loan approval and closing done in a very short time. He is very knowledgeable about the industry and process answering all of our questions whenever we had them. I would highly recommend him to anyone I know that is purchasing or refinancing a home. Great job Ben and thanks again for all the hard work!!

Jason Z. - Funded 3/31/2016

Once again, Ben Milam and everyone else I worked with were all great. Ben took the time to explain my options for refinancing and made the process extremely easy from start to finish. Great organization from my perspective. Thanks!

Victoria L. - Funded 4/5/2016

Ben and his team were amazing; knowledgeable and always friendly. Ben knows the industry well and knew how to get me in a loan that made sense for my situation. What is often a scary process was made more than bearable knowing that Ben and his team were working to get me what I needed. The online process is easy to navigate and seeing the progress is beneficial. Carla was great in dealing with my sometime redundant questions as I navigated the process. Thanks to Ben and his team I felt well...

Lynn M. - Funded 4/12/2016

Ben Milam and his team was wonderful to work with. Everyone was extremely helpful and quick to respond to my many questions! I appreciate all of the hard work everyone put in to allow me to close on my first condo.

Nicole F. - Funded 4/15/2016

Ben is awesome -- I would honestly recommend him to anyone!

Kelsey R. - Funded 4/15/2016

Ben Milam was very helpful and attentive to our requests. He was very helpful.

Satchit P. - Funded 4/15/2016

Ben Milam has been the best thing that happened to us when we started searching for the house. He guided us through the entire process, clarified our questions in a very timely fashion. We needed to close the agreement in less than a month, and Ben delivered in 3 weeks. It has been an absolute pleasure to work with him, and I'll gladly recommend him to all my friends who're in the same process.

Jeevan J. - Funded 04/22/2016

Ben was incredibly helpful and timely with everything that we needed. He was very willing and able to answer any of my questions and truly cared about doing what was best for us. Thanks for all of your support through this process!

Luke M. - Funded 04/29/2016

Ben Milan's team is once again so very awesome and they always make the loan process so very, very easy. The addition of a virtual closing made the process even better! So happy with Guaranteed Rate!

Peter B.


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Ben interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I’ve been in the mortgage industry since 2005. I decided to go into the business just after my wife and I bought our first home. The experience was so great, that I knew it was something that I wanted to be a part of.
What advice would you give new or first time home buyers?
Know what YOU can afford. Don’t rely or wait for someone else to tell you. Most importantly, get pre-approved before your home search starts. This will ensure you’re ready when you find that perfect place.
What can borrowers do to insure a smooth mortgage underwriting process?
Be prepared. Mortgages aren’t difficult to get, but if you’re not prepared, it could feel that way. Your income, assets, and credit all need to be verified from documentation that you’ll need to provide. Having this information ready to go will take a lot of the stress away. Try to avoid large deposits, don’t have your credit unnecessarily pulled during the process, and definitely don’t make any large purchases.
Summary of where you grew up: family, affiliations, college, high school, etc.
I was born in Alaska. When I was a kid, my family moved to Tennessee – complete culture shock to say the least. I went to college at Western Kentucky University, which is where I met my wife. We now live in Naperville, IL with our 4 rambunctious children.
Tell us something that makes you unique or something wacky, yet interesting about you?
When I was 16, I was in a music video. Thought I was the coolest then. So funny now.

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