GuaranteedRate - Mortgage Company

Charles Zofkie

Vice President of Mortgage Lending
600 22nd Street Ste 100, Oak Brook, IL 60523
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NMLS: 224547
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TestimonialsCustomer testimonials Read more

I found my loan team - Charles Zofkie, Liz and Jeff to be outstanding. Always responsive! Always keeping me in the loop on the loan status! This has been one of the easiest online processes I have ever done. Thank you Charles, Liz, Jeff and Guaranteed Rate!

Montie B. - Homewood, IL | APR 2016

Charles Zofkie and his team were amazing. No problems

Kelly K. – Naperville, IL | JULY 2015

Charles Zofkie was fantastic, and took many personal hours of his time to set my wife and I up with a mortgage. Charles Zofkie provided me with an honest service, and were extremely helpful to my wife and I, especially as first time home buyers.

Donald S. – Marseilles, IL | Feb. 2015

Closing was fast and efficient. Charles Zofkie and his team were extremely competent and knowledgeable. Charles kept in contact so I was aware of the process.

Cathleen C. -- Forest Park, IL -- 10/6/2014

Charles made the entire process quick and easy! We plan on contacting Charles later when we need a home equity line!

Ryan O. -- Naperville, IL 7/25/2014

Charles Zofkie was excellent in communicating expectations for the close and made himself available at all hours of the day to answer our questions. This is exceptional service, thank you!

Rutter K. -- Chicago, IL 5/27/2014

Charles was an experienced and responsible loan officer. Everything was great working with him!

Kathleen S. -- Chicago, IL 4/24/2014

"Charles Zofkie helped me with financing for a condo purchase in December of 2013 and I highly recommend him for mortgage lending services. He was able to get me a great rate but even more important to me was the expert advice and excellent customer service I received from him. He was available 24/7 to thoroughly answer any and all questions. He handled as much of the detail as possible to make the process easy for me. He even provided assistance with miscellaneous related matters beyond the...

Dannine J. – Willowbrook, IL – 1/2014

"Charles was a very personable loan officer to work with. He understood my trepidation as a first time home buyer and led me through the process with great alacrity and really made me feel at home with the idea of buying said home. I trust him implicitly because he is knowledgeable on the field and answered even my esoteric questions with enthusiasm!"

Jordan P. – Oak Park, IL – 12/2013

"Charles was terrific to work with. He helped guide my wife and I throughout the entire process and was always willing to explain anything we had a question about. Our experience was excellent and we would definitely work with Charles in the future."

Mark P. – Roselle, IL – 11/2013

"Charles was terrific to work with. He helped guide my wife and I throughout the entire process and was always willing to explain anything we had a question about. Our experience was excellent and we would definitely work with Charles in the future."

Mark Pransky -- Linkedin -- 11/2013

"My boyfriend and I used Charles as our mortgage broker when we purchased our first home and I don't think we could have asked for someone better to guide us through the process. Charles was extremely knowledgeable and explained every step of the process to us. He patiently answered our questions no matter how small they were. Additionally, Charles and his team were able to help us to close nearly three weeks ahead of our initial closing date, which we greatly appreciated. Charles was very...

Sarah L. – Baltimore, MD -- 11/2013

"Jennifer and Charles were very attentive, detail oriented, efficient and professional is a pleasure during such an important decision in life. The document collection process went very smoothly and the team kept me informed every step of the way so I never felt as though I was a bother. Even though the closing was a little difficult Charles and his team kept it professional at all times. I was proud to have GR on my side!"

Melissa B. -- Algonquin -- 9/ 2013

“Charles was always available to answer any questions throughout the entire process, which made us very reassured that we had someone on our side. Charles was great to work with and we would recommend him to anyone! His closing estimate worksheet was thorough, detailed and amazingly accurate; with Charles every step was clear and transparent. Thank you Charles!"

Christopher B. – Oak Park, IL – 10/2013

"Charles and Jennifer are wonderful. In the purchase of our home, we had ever-changing circumstances and they were always available to provide everything we needed. Closing was straight forward with no surprises. We will use them again, if needed, and will recommend to anyone looking to secure a mortgage!"

Glenn R. – Yorkville, IL – 9/2013

“We have utilized Charles’ services twice over the past 2 years. We could not have been more pleased with his performance. He always makes himself easily available to address questions and concerns, keeps the process as transparent as possible, provides creative solutions to challenges faced and does all of these tasks in a very personable manner. I highly recommend Charles to anyone searching for help with a mortgage transaction!”

Zach E. – Aurora, IL – 1/2013

“Charles not only understands the mortgage lending process but has also proven how to utilize his skills and resources in the most optimal way possible in order to create the best results for the needs of his customers. Both he and his colleagues at Guaranteed Rate share the belief in the importance of being able to reach out to customers as well as being available to them whenever needed. Charles was extremely instrumental in helping make the process of purchasing a home as simple and stress...

Steven K. – Elk Grove Village, IL – 2/2013

“Charles gives step by step guides on financing a home. Any questions that I had, he was there to answer every single one of them. When I buy a home in the future I will most definitely use Charles!”

Jennifer R. – Naperville, IL – 3/2013

“Unlike many other mortgage providers, Charles gives you all of the costs, fees and details up front with no hidden surprises. He is extremely knowledgeable of the industry and is very trustworthy. Charles was also able to do my loan faster than any of the big banks could. I would recommend Charles to anyone for their mortgage needs.”

Leo Y. – Naperville, IL – 4/2013

“I was referred to Charles Zofkie by my cousin who worked with him on the purchase of her home. Charles gave us helpful advice and was very welcoming of my questions. We decided to hold off on purchasing a home for a while. Instead of pushing us into a decision sooner, Charles was patient and did not pressure us. When we eventually decided to purchase, we spoke to Charles like he was an old friend. He is a wonderful man and truly cares for his clients. Choose him for all of your financing...

Nina Blachuciak – Brookfield, IL – 5/2013

“I decided to work with Charles because I was a first time buyer and he gave me a number of options. Each option was given with exceptional detail and was easy to follow and understand. At the end of the process, his estimates were also very accurate. Charles is honest and trustworthy. I never doubted that he had my best interests at heart!”

Nicholas W. – Warrenville, IL – 5/2013

“Charles is by far the best person I have ever worked with in the mortgage industry. I have either purchased or refinanced at least 6 times before and the service he provided was truly in a league of its own. Charles walks you through the options in a diligent manner, keeps you informed, makes it easy, sets realistic expectations and is beyond professional. I hope I can refer others to him!”

Brady M. -- Naperville, IL – 8/2013

“Charles has helped me through closing on two homes. The first deal he helped me with was my first and he walked me through the entire process. I found Charles to be helpful, friendly and honest. He is someone that I totally trust and I have recommended him to all of my friends and family who are looking for a mortgage. If you are looking for someone who will give you a fair rate, provide good advice and always have your best interests in mind, Charles is the guy!”

Jason D. – Lombard, IL – 8/2013

“Charles was a pleasure to work with. He went the extra mile to work with me, when other companies told me it wasn’t possible. Thank you, Charles!”

Jeff K. – Darien, IL – 5/2013

“Mr. Charles Zofkie, along with his entire team, provided a detailed and informative breakdown of the closing process. The communication was excellent, the information and explanation was clear and concise. They did great work and I highly recommend Charles!”

Teno B. -- Chicago, IL – 7/2013

“The team was fantastic! Jennifer and Charles were very attentive and detailed. The document collection process went very smoothly and the team kept me informed every step of the way. This was an extremely professional and calming experience. Charles and his team kept it professional at all times. I was proud to have Guaranteed Rate on my side! Having a company that is detailed, efficient and professional is a pleasure during such an important life change.”

Melissa B. – Downers Grove, IL – 9/2013

“Charles Zofkie did a great job for us. He's the go-to guy in the Chicago area. He knows his stuff and is very friendly and patient.”

Michael M. – Berwyn, IL – 8/2013

Hey check out the incredible review from Richard about Charles! “Charles and Jennifer have been exceptional in handling my loan! I am very pleased with the services received and highly recommended their expertise. In fact a friend who I recommended called me yesterday excited that Charles is already processing his refinance. Thanks again Charles!”

Richard K.-- Naperville, IL -- 04/2013

Hey check out the glowing review from Cindy about Charles! “Great experience with Charles & Jennifer Zofkie, we just closed on our new home in Orland Park! Our process of getting the mortgage was actually painless, unlike experiences we dealt with in the past. We will highly recommend Guaranteed Rate services!”

Cindy B. -- Orland Park, IL -- 04/2013

Hey check out the great review from Roberta about Charles! “Charles Zofkie was extremely helpful and accommodating. My refinance rate was great and rate and I consistently received lots of information, in writing, during the process. I received more information from him than I have during prior refinances. Thanks again Charles!”

Roberta A. -- Oak Park, IL -- 03/2013

Hey check out the amazing review from Jerry about Charles! “I am very pleased with the ease and speed of our refinance at Guaranteed Rate. Charles was most impressive with providing step by step communication throughout the entire process. I would not hesitate to use them again! Thanks again Charles!”

Jerry S. -- Burbank, IL -- 02/2013

About Charles

Me and my team consistently offer world class service and seamless fulfillment in closing your home loan. I am a 12-year mortgage industry top producer. I have over a decade of experience that I apply to each transaction, which translates into incredible guidance when establishing your loan. As much as I truly enjoy the mortgage origination process, nothing to me is better than the great feeling of knowing that we are co-creating a great memory that compliments your home buying or refinancing experience. Our success comes from exercising a high level of due diligence upfront that brings visibility to all facets of your transaction. This allows us to carefully consider all of your options in terrific detail so that you will know, from the very beginning, the outcome for your chosen scenario. Our timeliness, guidance, and processing efficiencies have earned us some wonderful "Recommendations" that you can see below. I look forward to guiding you to the same success as others that I have had the incredible opportunity to work with. Call me today for the greatest financing experience you will ever have. Thank you for choosing my team and I. No one makes it easier!

Charles interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
I like to address the interest rates, payments, and estimated cash to close from the beginning of the conversation. I think this helps to eliminate any ambiguity regarding the mortgage programs and this will help you to quickly and efficiently navigate to the perfect loan of your choice.
Tell us about a mortgage product that consumers may not be aware of?
Our mortgage offering expands beyond the standard fixed rate loans. We also offer 10% down jumbo loans, 203k FHA Rehab Loans, and other loans that meet today's "niche" needs. Please feel free to call me to review your scenario.
What 2 or 3 mobile apps would you recommend for home buyers or house hunters, and why? What Smart Apps do you recommend your customers use for the house hunting process?
Please feel free to use my Mortgage App which is compatible with Android or Apple iPhones. You can download it for free at This will have a great mortgage calculator as well as all of my contact information, videos and additional links.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I have 2 awesome kids that I hang out with when I am not working. I also enjoy bike riding 30+ miles, study different diets, and weight lifting. I firmly believe a healthy body is a healthy mind :) I sincerely look forward to the opportunity to assist you!

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