Charles Stephen

Mortgage Specialist
3940 North Ravenswood, Chicago, IL 60613
Contact Charles
NMLS: 1575877
Ready to start your Digital Mortgage?
Apply now

TestimonialsCustomer testimonials Read more

The whole process went pretty smoothly. I was nervous at the end when I didn't receive the final closing costs until 2 hours before the scheduled closing and had not heard from anyone. Charles always returned my calls and answered all questions that I had.

Donna H. | June 2018

First time user, if I ever have to buy another home, Guaranteed Rate will be my go to Lender.

Heriberto A. | June 2018

The one seamless part of my entire transaction, between selling and buying a home at the same time, was obtaining the mortgage on my new home. When all else seemed to try my patience and stress levels, Guaranteed Rate, and the mortgage team I worked with, was one place that I never had to worry about something getting in the way, or a hurdle to leap.

Keith S. - June | 2018

This refinance was very easy. I really appreciate your website which allowed me to upload all the documents required which really made this process very quick. I was hoping to close quickly as I was leaving the country for three weeks and wanted to close before I left, and the team made sure that I made my deadline. Everyone was easy to work with and kept me informed of status and next steps.

Robert L. | May 2018

Charles was a great loan officer. He inspired trust from the first conversation I had with him, and he always made me feel like he had my best interests in mind. Other competitors felt shady, slick, and too eager for my business. Guaranteed Rate got it right. You'll be my first call when I'm ready to purchase again.

Chad M. | August 2017

The overall experience that we had with Charles was excellent. The next time we need a new loan, Guaranteed Rate will be our first stop!

Ernest P. | July 2017

Great service.

Mark R. | August 2017

The entire process was very pain free and handled professionally by Charles Stephen and his staff. Very good experience and would highly recommend Guaranteed Rate and Charles Stephen again.

Richard W. | July 2017

My loan office Charles Stephen is amazing. He was on top of all the processes for the loan and he is diligent and with very good customer skills. He should be promoted very fast!! Credit rate has some bureaucracy and there were some issues with the wire transfer, either way, I recommend Guaranteed Rate with no hesitation.

Hernan B. | July 2017

Amazing experience. My thank you goes to the entire team that helped me buy my dream house.

Kevin G. | July 2017

I had a great experience with my loan officer (Charles Stephen) and all of the joint co-workers associated with working with me on the loan process. The real estate company (Our agent was Chris Vanbelle from Weir Manual branch of Coldwell Banker) recommended by Guaranteed Rate was absolutely fabulous. Over all this was a quick and stress free process. I just followed the instructions given to by Charles or Mely and everything was very smooth. Guaranteed Rate was there for us every step of they...

Christopher L. | September 2017

Charles Stephen and his team were outstanding. This process was much easier than I expected.

Jeffrey L. | August 2017

About Charles

Being in the mortgage industry means I get to help others achieve the dream of homeownership. There’s nothing I love more than finding a better rate than our competitors, providing my client with the right loan and using our industry-leading technology to help them close quickly. I especially enjoy my role because of the people that I get to work with. We get to make serious impacts on people’s lives, whether it be by saving them money or allowing them to buy an investment home to finalize their financial goals and plans that they have worked so hard to achieve. While both of those are great reasons to be in the industry, there is nothing more rewarding then seeing a homebuyer who was stressed and anxious about the purchase of a home, being handed the keys at closing.

In addition, I take considerable pride adhering to our core values, especially when it comes to bias to action. This allows me to try and stay ahead of any potential issues that arise during the loan process. Everything that is vetted and verified upfront is one less issue that could affect the ability of my borrower to obtain this home.


Error: Notice: No Q&A data for this VP.

See how easy the Digital Mortgage works

Today’s rates

Loan Type Rate APR

*Rates may vary by state.

Check rates and get approved online right now in just minutes! Or give me a call and I’ll answer your questions and guide you through the process!

Intuitive Loan Finder

Our Intuitive Loan Finder lets you sort by lowest monthly payment, lowest interest rate or the right loan term.