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Chad Ronning

Vice President of Mortgage Lending
12924 63rd Ave N, Maple Grove, MN 55369
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NMLS: 386349
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TestimonialsCustomer testimonials Read more

From before application to after close, Chad has been wonderful! Up until this point, I feared the process of a mortgage and Chad made it seamless! We will be coming back if we ever buy again or refinance!

Chad K. - 11/21/2016

Chad was extremely helpful. He led us through the process in a way that made it simple for us to understand. We had a complicated situation and had a lot of questions. Chad was very patient with us and answered all of our questions quickly. He gave us directions on how to handle our finances to ensure we would have a smooth close date. He was also very informative of what we should expect. We never had any unwanted surprises. He is definitely someone we trust and would work with again!

Brianna Z. | 09/20/2016

Even late nights and when things got down to the wire, our loan officer Chad Ronning pulled magic and we couldn't have had better service!

Lanae S. - Bloomington, MN | APR 2016

Even late nights and when things got down to the wire, our loan officer Chad Ronning pulled magic and we couldn't have had better service!

Lanae S. March, 2016

Chad did an amazing job! He worked very hard everyday to gather paperwork, make phone calls, and do whatever it took to make sure the process kept moving forward. We greatly appreciated that he kept us updated on the status of our loan. I would highly recommend him to anyone searching for help acquiring a home mortgage.

Kimberly W. - Minneapolis,MN | MAR 2016

Chad did an amazing job! He worked very hard everyday to gather paperwork, make phone calls, and do whatever it took to make sure the process kept moving forward. We greatly appreciated that he kept us updated on the status of our loan. I would highly recommend him to anyone searching for help acquiring a home mortgage.

Kimberly W., Funded - 12/10/2015

Chad was really helpful and great through the entire process, as was everyone I interacted with at GR. Chad provided very thorough and clear explanations whenever I had a question. Everything went well and there were few if any hiccups through the entire process. Chad was great.

Andrew O. – 10/22/2015

Chad did a great job, he helped every step of the way! It was quick and easy!

James R. – 10/9/2015

Chad Ronning did a very good job walking me through the process, was responsive with all questions, and gave periodic updates.

Matthew Z. – 9/14/2015

I would highly recommend Chad Ronning at Guaranteed Rate. He made the entire process absolutely painless and comforting knowing we were going to get the house we wanted.

Brandon & Sarah, St. Louis Park, 2015

Chad was great to work with! He thoroughly and promptly answered all of our questions.

Kathryn P. – 6/30/2015

Chad did a very good job. Our financial advisor gave us his name.

Paula K. -- 5/19/2015

Chad was exceptional. He checked in often to see how I was doing and responded to questions in a very timely manner. Everything went smoothly and I felt that Guaranteed Rate had my best interest in mind.

Ellen F. -- 5/26/15

Chad was a delight to work with. Very responsive and very detail oriented. I was kept informed every step of the way and the process went flawlessly.

Chad G. – Champlin, MN | May. 2015

Chad was very patient with me even when I didn't understand and felt frustrated. He took the time to explain and calm me down. I would definitely use Chad and Guaranteed Rate again.

Bonnie G.

Chad Ronning was awesome and always was available to answer questions!

James M. -- 8/31/2014

We really enjoy working with Chad Ronning. We have worked with him over the years and trust his experience and expertise.

Daniel H. 07/29/2014

I have worked with Chad on many purchases with my buyer-clients over the last 7 years and he has yet to work on a loan that he could not close for our clients. This is a huge achievement given the extreme nature of our ever-changing lending environment. This 100% success rate has translated into happy and satisfied buyers. Thanks Chad for your hard work and professionalism! Jason K. - Ranked in the top 2% of all Twin Cities Agents, Keller Williams Realty

Jason K., Realtor, ABR, GRI

Chad has helped my wife and I purchase and refinance several properties. He has done a great job on all occasions. As a financial advisor, it has been nice referring someone I can trust to my clients as well. I would recommend him to family, friends, and clients.

Mark C., MBA, CRPC,

As an insurance agent, I have been blessed to be able to serve not only Chad's personal insurance needs, but also the needs of many of his favorite clients. I have come to see Chad as an EXTREMELY COMPETENT and ETHICAL SERVANT LEADER. From an insurance agent's perspective, Chad is the kind of person that you pray you'll meet and be able to work with some day.

Andrew L., MN

Knowing Chad is like having a personal friend in the mortgage business. I know I can count on him to give me honest advice based on my specific situation. This is a quality not common enough in the lending business. There are a lot of different loan programs out there for people and having someone I can trust saves me not only time, but most likely money as well in the long run. I would recommend Chad to anyone looking for financing on their home purchase or refinance.

Matt W., September 8, 2008

About Chad

I joined Guaranteed Rate, Inc. in 2010 and prior to that worked as a loan officer since 2001. I have closed over $200,000,000 in home loans since then and have hundreds of satisfied clients. I have experience in and access to the most competitive loan programs and interest rates available and I am committed to educating my clients and helping them achieve their dream of homeownership. I reside in the NW metro with my wife Brandi and daughter's Ava and Chloe.

Chad interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been a loan officer for over 11 years now. I was drawn to this business because of my passion for real estate and because I love selling and working directly with families in achieving the American dream of homeownership. It is always a rewarding experience when the keys to a new home get handed over for the first time.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Adjustable Rate Mortgages (ARM) can be a useful mortgage tool for those that are looking to own and finance a property short term. An ARM is a mortgage product that has a fixed period term of 1,3,5,7 or 10 years where the rate is typically well below that of a fixed rate mortgage. At the end of the fixed term however most ARM\'s will adjust based on the margin of the contract which is typically 2.25% plus the index which is usually the LIBOR index. These adjustments have caps which are normally 5% adjustment max the first year and 2% max thereafter with a lifetime cap of 5% above the index so worst case today if you had one of these that were adjusting today your rate would adjust to 7.25% worst case scenario. Fixed rate loans never adjust but you will have a higher lifetime rate because of this safety in knowing your rate will never change. I am not a gambling man and believe that fixed rate options are almost always the way to go.
What can borrowers do to insure a smooth mortgage underwriting process?
To insure the smoothest underwriting there are a few things a borrower must do. First, having a game plan is the most important part and that means talking to a qualified loan officer ahead of time and making sure everything is in order and everyone knows what the expectations are in the process. The second most important thing a borrower must do is to have the right people working with them on the biggest purchase of their life. I have seen a lot of buyers that will use a realtor that is a family friend and they are unqualified or part time and that is when mistakes happen or the borrower over pays for the property or just gets bad advice, it is important to use the right people and interview a few agents and loan officers before making your decision.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I am a father of two beautiful girls that are 1 and 4 years old. My 4 year old is active in swimming, dance and ice skating so I keep busy driving her to practice and recitals, etc. In the summer months we enjoy weekends at our cabin in Paynesville, MN.
Tell us something that makes you unique or something wacky, yet interesting about you?
Along with being a loan officer I enjoy wood working and building furniture. I also run 5K races on the weekends from time to time and ran the 1999 Twin Cities Marathon.

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