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Chad Lubben

SVP of Mortgage Lending
3940 North Ravenswood, Chicago, IL 60613
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NMLS: 447796
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If you're looking to secure a loan for your home or refinancing we highly recommend the Chad Lubben at Guaranteed Rate. We worked with Chad and his team on our recent home purchase and were very impressed with the experience and professionalism of everyone involved in the process. Buying a home can be very stressful. Chad and his team made the process of securing our loan stress and worry free. Not only did we get an incredible interest rate but we received exceptional service. Chad and his...

Nick B.

Terrific people to work with, Chad's team knows their stuff and will get you closed properly and on time. We heard from the title company at closing "We won't have to wait long, Guaranteed Rate is quick". This was the sort of A+ experience we had the whole way through. A big thanks to Chad and his team.

A Satisfied Customer 06/13/2016

The consistent communication and follow up proved to be the most valuable part of my home-buying process. Chad's team exceeded my expectations in every way. They were knowledgeable, polite, friendly, and willing to help with any questions I had (even if I had them more than once). I would not hesitate to use Guaranteed Rate again.

Katherine G. - Chicago, IL | APR 2016

I met Chad Lubben at a Redfin first-time home buying seminar and I immediately knew that I wanted to work with him as my lender. His personality and knowledge of his field make him an approachable and talented individual. He's simply just a great guy with a great team. The team's weekly update calls and ability to simplify the process ensures the client is always aware of what's going on in the process. He even went above and beyond by helping to pitch our case to the seller which I know helped...

Ebrahim K. -Chicago, IL | APR 2016

" I like the consistency and patience of Chad and the rest of his team. They make sure I understand everything and are patient when I ask the same questions multiple times. Also, the weekly follow-up calls kept me updated on the status of my mortgage. These follow-up calls are great because they are initiated by GR and take some of the work/stress off of me. Fantastic as usual! Thanks again Chad!"

Eric C. - Chicago, IL | Jan. 2016

Chad Luben and his team were fantastic. Always prompt answering emails and phone calls. Micah was even able to adjust his hours and call me at night to discuss things because I worked during the day. The weekly Tuesday updates were such a nice touch. The interview process before the loan was very beneficial. This way I knew who the team was and they also got to know me. I was definitely more than just a loan number. They were very professional when working with the condo association as well as...

Heather L. - North Aurora, IL | Dec. 2015

Chad was able to meet the rate I was offered and perform on the loan. All in all, a great loan process.

Shawn C. – Chicago ,IL | June 2015

I loved how Chad made it a point to show up to my closing. It's the first time after many closings I've ever experienced the Loan Officer making time. Chad and his team were great to work with and really made this time around so much easier. We have created a relationship with Chad and will continue working with him.

Shawn W. – Chicago, IL | Dec. 2014

Chad is great to work with and is always available to answer any questions that I had.

Savoeun T. -- Fort Worth, TX. | Nov. 2014

Chad Lubben and his team did and excellent job in a short time period. I had a terrific experience with a hard working team and would recommend this to anyone I know looking for this service or product.

Allyson G. -- 8/13/2014

Chad and his team really came through for us in our home buying process. They were able to help us close in 14 days with no problems. They explained the process to us since we were first time home buyers and they kept us informed every step of the way. I was impressed with their check in's, constant communication and transparency with timelines. Chad is an expert in the mortgage world and taught us exactly what we needed to know without overwhelming us with too much information. I highly...

Scott F. -- Chicago, IL 2/20/2014

It went well everyone handled themselves very professionally and the process went smoothly. The team was very responsive and if I know someone who is looking for a loan I will definitely be inclined to share the experience I had with Guaranteed Rate.

Gregg K. -- Plainfield, IL, 2/25/2014

We were very happy to work with Chad Lubben. He made the whole process feel very pleasurable and less stressful. Always available to answer our question and keeping us informed on the status of our application. He brings excellent skills and professionalism with friendly and positive attitude.

Ivo T. -- Chicago, IL 1/31/2014

It was a great pleasure working with you on our first home buying! I have to admit we were very uneasy initially but thank to you we had no stress and no doubts during the entire time. We felt very comfortable and relaxed and knew that we will have your help every step of the way. You made the entire process fast and smooth and gave us the certainty of making the right choices. Thank you for being available all the time to answer our questions and to address our concerns in a timely matter...

Ivo & Polly, Chicago, IL 2014

"Awesome! Chad and his team were totally on top of things every step of the way. This was probably the smoothest mortgage transaction we have ever had and we've done this five times! Chad did a great job!"

Chad F. -- Katy, TX. -- 9/2013

Chad has a deep knowledge of his field and worked to provide us with an exceptional mortgage that met our needs.

Debra Davis

Chad did a fantastic job of helping me save a deal that I almost lost out on. He locked in a great interest rate for me and gave me a heads up to lock my rate a day before the bond market caused rates to skyrocket. It was a pleasure to work with him and I would recommend him to all my friends and family.

Justin Mihalinec

Chad was relentless in managing the best rates and options for our mortgage closed June 2013. His flexibility during a difficult closing was instrumental in securing the home we will love for decades.

Chris Belec

Chad was great to work with, did a re-finance and the financing of a new home. Smooth process, very responsive, locked in the rate at the perfect time. Would absolutely do business with again.

Kathleen Price

Chad did an outstanding job of smoothing out the process in a complex transaction that included a short sale. He locked in a great interest rate for us and just before the bond market moved causing rates to inch up by 25 basis points...great insight and trend knowledge. Very good relationship with underwriters and anticipates problems before that can occur.

Barry Resnick

Chad did an excellent job with our first mortgage so my husband and I hired him again when we decided to refinance. He made sure everything went off without a hitch and we closed on time. Even with a pretty complex transaction he made everything go so smoothly.

Beth Fioritto

About Chad

Chad has been a mortgage banker since 2002, with over 14 years of mortgage banking and financial advising experience. He is proud of his achievements as a Leaders and as a member of Guaranteed Rate's President's Club as a multi-million dollar producer. His small town Iowa upbringing and commitment to athletics helped shape his work ethic, commitment to education, and understanding of teamwork.

Chad treats every transaction as if it were his own. His finance background offers clients a well-rounded and insightful approach to mortgage lending. His expertise lies in condo lending, mortgage bond trading (how this impacts mortgage rates), and jumbo lending.

Prior to making mortgage banking his career, Chad worked as a Financial Advisor at Northwestern Mutual. Before joining Guaranteed Rate, Chad was an owner/operator for Great Lakes Loan Centers and a Leader’s Club producing Loan Officer for Wells Fargo.

Chad is a graduate of The University of Iowa, where he earned a Bachelor of Business Administration with an emphasis in Finance and Information Systems.

Chad is a die-hard Cubs fan and always dreamed of moving to Chicago as a boy, watching the Chicago Cubs on WGN. Chad has resided in Chicago for over ten years and has lived in and loved many neighborhoods throughout the city.

Chad, his beautiful wife Kristen, twin girls Norah and Colet live in Lakeview with their English Bulldog Payton. Chad enjoys spending time volunteering with Chicago English Bulldog Rescue as well as several homeless shelters. In their limited spare time, Chad and Kristen enjoy attending sporting events including Cubs, Blackhawks, Bears, and Iowa Hawkeye Football.

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