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Chas Lilly

Mortgage Specialist
1806 W Cuyler Ave, Suites 1W and 2E, Chicago, IL 60613
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NMLS: 1525804
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Chas was quick to respond with anything or any question we had!

Richard F. - Funded 8/7/2017

Chas and the whole team were amazing to work with. Not only are they all knowlegeble and helpful but made a process with the stigma of being a nightmare an experience that left me feeling at ease because I was confident in their care.

Stephanie L. - 6/19/2017

I worked with Chas Lilly and I am very pleased. Chas was very responsive to my questions and concerns. His team made the refinance of our home less stressful than I anticipated. I would definitely recommend Guaranteed Rate and Chase to anyone who is interested in a mortgage loan.

Sharliss R. | 04/18/2017

Chas was very organized and helped me know what to expect. He kept me informed at all steps of the process. The team worked closely together to move the process along. The closing was easy and convenient.

David S. | 04/19/2017

From beginning to end it was a very pleasant experience, all along the way help was offered and everyone was eager to answer any questions. I would like to mention especially Chas Lilly, who really took the "fear" out of the refi process; he was very helpful, like a friend in the business. Thanks a lot Chas.

Stephen B. | 03/20/2017

This was my second time using Guaranteed Rate and both instances the support was fantastic. The process is quick and straight forward and everyone that I interacted with were very professional.

Wendell M. | 03/17/2017

We were hesitant to use an online service, but after speaking with them we felt really comfortable. Our loan officer was Chas Lilly and we honestly can't say enough good things about him! He was extremely professional, efficient and polite! We moved into our home this week, and it was the easiest process we have ever gone through!

Troy P. - March | 2017

Guaranteed Rate was able to get my investment property for over 10 years, re-financed in a short amount of time. The loan officer was very communicative and helpful in every step of the process. Thank you Guaranteed Rate.

Blaze B. | 1/17/2017

Chas was phenomenal, and very professional. Any question I had, no matter what time or day, he had it answered as quickly as possible. He made the entire process easy. I would definitely recommend Chas to anyone who was looking to refinance or to anyone who has mortgage questions in the future.

Bradley H. | December 2016

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Chas interview Q&A

Who is your typical customer and what questions do they typically have?
My typical customer is driven to get things done! I’ve been lucky to work with people who care as much as I do about quality and efficiency of process.
What specific steps do you use to help your customers find the best home loan for them?
I like to dig deep! Every person’s situation is unique and the reason my borrowers love working with me is because I take the time to understand what they need in a mortgage and deliver the most beneficial product.
What advice would you give new or first time home buyers?
If you’re not sure about something, don’t be afraid to ask questions! I take a lot of pride in the level of education my customers come out with on the other side of the mortgage process.
Tell us about a mortgage product that consumers may not be aware of?
Lender Paid Mortgage Insurance is incredible. Putting less than 20% down and want to knock that pesky $100+ mortgage insurance fee off of your monthly payment? Please ask me about this rare program!
What can borrowers do to insure a smooth mortgage underwriting process?
Efficiency is everything! Receiving documents back on day one can take fifteen days off the total process.
What provides you with the most satisfaction in your job as a Loan Officer?
At the end of the day, I’m in the service industry. Whether it’s putting a young couple into their first home or refinancing a freshly retired homeowner with a fixed income, this business is all about people! Nothing could be more satisfying than providing the wonderful people I’ve been lucky enough to work with a new start.
Tell us something that makes you unique or something wacky, yet interesting about you?
For a brief stint, I was the University of Kentucky Wildcat mascot. I’ve had some pretty lively (but mostly civil) debates with my borrowers about college basketball!

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