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Chris Kapas

Vice President of Mortgage Lending
625 Avis Dr, Ste 100, Ann Arbor, MI 48108
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NMLS: 206648
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TestimonialsCustomer testimonials Read more

Chris was very knowledgeable and always made himself available when needed. The whole process was made simple and understandable. I would highly recommend Chris to anyone looking to refinance or get a new loan.

Atef E. – 12/9/2016

My loan officer was the best ever. Super quick answering emails, very polite, diligent, he made sure I understood every step and document. Was always available, I cannot be more grateful.

Aida F. – 11/29/2016

Chris Kapas was vital to getting this transaction completed. I was purchasing a home contingent on the sale of my current home which complicated things, but he was able to coach several of the parties involved on both of those separate transactions to help get this done. Thank you Chris!

Tobin L. – 9/28/2016

I met Chris Kapas years ago when I sold my house. He was there to assist the buying parties. I was so impressed with him, that when I was back in the market to purchase a home, I chose Chris to be my loan officer. I purchased my house, and have now refinanced with him twice. It is very rare that I find somebody who I have 100% confidence in, and Chris is one of those people. He explains processes clearly, quickly, and patiently. He has mastered communication. And he follows up and makes sure...

Michael P. – 8/31/2016

This was our fourth loan with Chris Kapas. Would use again, and recommend. He makes the process easy and understandable. The best!!!

Michael D. – 9/2/2016

Chris Kapas was terrific. He was very professional and easy to work with. He kept me informed every step of the way. I've bought and sold houses 14 times and Chris was the best I've ever worked with. The process was as painless as it could have been. Brandon and Aleecia were terrific as well. Great experience from a great team of people.

David M. – 8/17/2016

My loan officer, Chris, was very thorough and processed my loan by the closing goal date, which was only 30 days from purchase approval date, and when the appraisal ran late. Amazing job from him and his office. I hope to send business to him. Thanks.

Shannon E. – 8/11/2016

This is my second loan with Guaranteed Rate and Chris Kapas and his team are amazing. They are very responsive and Chris was always available to answer my questions. I will definitely recommend Chris to my friends and family who are looking for a mortgage. Thanks for all the hard work, I really appreciate it.

Ronald P. – 8/5/2016

Chris Kapas and his team provided outstanding service--AGAIN! We refinanced. As with our original loan, everything progressed effortlessly (on our part!). Just as Chris promised!! Everyone should be as fortunate as we are to have found such an amazing, knowledgeable, and trustworthy lending leader!!! We recommend Chris to everyone we know!! Thank you so very much for your extraordinary service!!!!

Joanne R. – 57/15/2016

My wife and I are extremely satisfied with the entire experience that Mr. Kapas provided. Excellent communication, being responsive, and treating us like we're more than just another client is how Mr. Kapas stood out in our minds. If we ever need to use Guaranteed Rate again, we will definitely reach out to Mr. Kapas. Thanks again for everything Chris, because of you, we were able to buy our first home.

Michael B. – 6/2/2016

Chris Kapas was a pleasure to work with, he made everything extremely easy for me, and I felt he put in a ton of work to make things proceed smoothly for me. I would definitely recommend friends and family to contact Chris with their mortgage needs, and I will definitely use him in the future. Thanks Chris!

David B. – 4/29/2016

" We have bought and sold several homes. And, we used the same loan officer for the majority of the transactions because we had a great experience with the individual. However, we decided to work with Chris Kapas for our recent home purchase because we were very impressed by his knowledge and understanding of the entire loan process. One of the BEST decisions we ever made. Exceptional service! Second to NONE! He walked us through the entire process, always promptly responding to our...

Joanne R. - Pigeon Forge, TN | Dec. 2015

Chris Kapas and his team were top notch professionals! From the application to closing everything was handled in a timely manner and always available for any questions that we had. We would highly recommend Chris and Guaranteed Rate without any reservation!

William R. – 1/29/2016

Chris Kapas and his team were wonderful every step of the way. Open to my many questions/concerns. They responded to my emails/calls day AND night. They helped my husband and I through a very complicated process with ease and commitment. They went above and beyond the call of duty. I've already recommended him to a co-worker. She is quite nervous about buying her first home and told me that Chris put her at ease with her concerns. Will definitly recommend more clients his way. Thanks for...

Johnnie H. – 1/25/2016

Chris Kapas expertly coordinated all loan requirements and maintained constant, effective communication with my realtor and escrow. He demonstrated key knowledge and maintained impeccable accountability of all loan documents/requirements. I am extremely lucky to have Chris in my corner leading the charge. 100% sold on the Guaranteed Rate team.

Aaron B. – 12/16/2015

Chris Kapas and his team are second to none. They made every aspect of the loan process very easy and they communicated consistently throughout the process. It was great having Chris at the closing and he helped clarify unclear items at the closing. What a great experience from an amazing team of professionals. I will recommend Guaranteed Rate in the future. Thanks Chris!!!

Ronald P. – 12/29/2015

We have bought and sold several homes. And, we used the same loan officer for the majority of the transactions because we had a great experience with the individual. However, we decided to work with Chris Kapas for our recent home purchase because we were very impressed by his knowledge and understanding of the entire loan process. One of the BEST decisions we ever made. Exceptional service! Second to NONE! He walked us through the entire process, always promptly responding to our questions and...

Joanne R. – 11/30/2015

I would use Guaranteed Rate without a doubt. The professionalism, integrity and kindness that Chris my loan officer showed me was outstanding. This is the kind of service you used to see years ago. I am so thankful we met and he walked me through my loan process to the end. Thank you Chris!

LaVerne B. – 12/9/2015

Chris and his team were very professional and insightful throughout the entire process. They made the process smooth and the line of communication was outstanding.

Kristopher H. – 11/20/2015

Chris has helped us before and will contact him next time we need to get a loan!! His team did a great job of meeting the deadline and my goals. They are easy to work with and would recommend all of them in future. Thanks again Kevin, Steve and Chris.

Robert S. – 10/26/2015

Chris Kapas and his team were awesome. Very responsive and they worked very hard to get our closing done twelve days ahead of schedule.

Timothy P. – Clinton Township, MI | Sep. 2015

This is the second time we have used Mr. Kapas and his team. They were professional, timely and everything was done via electronic signature except the closing. Saves families like mine with a 5 year old a lot of time!! Other than gathering the required documents on my side I had to very little, Mr. Kapas took care of the rest. Great experience! I will always recommend Mr. Kapas and his team. Thank you.

Michael K. – 9/29/2015

Chris was exceptional and provided great communication through out the entire process.

Nicholas O. – Plymouth, MI | AUG 2015

Chris was exceptional and provided great communication through out the entire process.

Nick O. – 8/6/2015

Chris made our first home buying experience much more pleasant than we thought it would be. He really took the time to explain everything to us and made sure we were comfortable throughout the process.

Morgan C.– Northville, MI | JULY 2015

Chris Kapas and his team did a great job of explaining everything and making the entire process fast, easy, and comfortable.

Kevin S. – New Hudson ,MI | JULY 2015

Chris Kapas and his team did a great job of explaining everything and making the entire process fast, easy, and comfortable.

Kevin S. – 7/10/2015

Chris made our first home buying experience much more pleasant than we thought it would be. He really took the time to explain everything to us and made sure we were comfortable throughout the process.

Morgan C. – 7/9/2015

Excellent customer service. Chris was in constant contact informing me on the status of my loan. He also showed up to closing, which was nice. That made the process much smoother since questions were answered immediately.

Paul L. -- 6/19/2015

Chris was great to work with. He was very responsive and always answered my questions with great detail.

Brandon M.– Garden City ,MI | June 2015

Chris was great to work with. He was very responsive and always answered my questions with great detail.

Brandon M. -- 6/22/2015

Chris Kapas and his team did great having everything ready throughout the whole process. He went above and beyond to help and answer questions. Chis is the friendliest and most professional Loan Officer I have ever dealt with.

Randall S. -- 5/1/2015

Chris and his team did a great job keeping us on target to close. It is a complicated process with a lot of moving parts. They had a real sense of urgency which fit well with our expectations. Chris is a real pro, very knowledgeable and experienced.

Jeffrey M.

Chris is a real pro, very knowledgeable and experienced. Kept things moving and reacted quickly to setbacks and late requests for additional information.

Jeffrey M.– Houston, TX | June 2015

Chris Kapas is an incredible business professional. He is knowledgeable, quick to communicate and follow up, and friendly. I will recommend Chris and his team to any friends or family who may be looking to get a loan.

Andrew S. -- 4/28/15

Chris and his team were so helpful! It was obvious they wanted to help us get the best loan as fast as possible. They made everything so simple and not stressful!

Abby G. – Taylor, MI | Apr. 2015

Chris Kapas was very attentive during the refinance process. He openly communicated and appropriately kept us informed of the deal's progress. I appreciated the effort by Chris and his team.

Mark A.

The whole process from start to finish went extremely smooth, quick, and easy. Chris kept me informed almost daily of how the process was going. He notified me immediately when documentation was needed and he sent everything via email which made everything very convenient. Chris was extremely knowledgeable and professional through the entire process.

Miranda M.

Chris Kapas is an exceptional professional that I am proud to have worked with on my loan!

Sidney J.

My experience dealing with Chris and his team was better than I could ever had imagined. They were very professional, timely and always in the know. Chris was great to work with, he was always available for questions and explained everything in simple terms so I understood the process. I felt very comfortable working with him and he gained our trust quickly. I can't thank him enough!

Michael K.

Thank you very much for making this a smooth process. This was my first time buying a home and I couldn't have asked for a better experience. I enjoyed working with everyone at Guaranteed Rate. I especially want to recognize Chris Kapas for his guidance and professionalism.

Evan D.

Chris and his team were extremely nice and professional throughout the entire process. They were very easy to deal with and paid attention to all of the details that mattered. No hassles at all.

Mark N.

I cannot thank Chris enough for going above and beyond to get me a mortgage on my first time home purchase. Not going into too much detail, I had just come through a life changing experience, which did not allow my financial picture to fit in the cookie cutter comfort zone of most lenders. Chris took the time to dig into my financial history and to recognize that my situation would require a customized approach. I have since learned that this is what Chris does. He makes things happen for each...

Patricia T.

Chris Kapas is awesome to work with. I left this experience with no questions! I've recommended him to all of my friends.

Jordan D. -- 9/29/2014

The application process can be the nemesis for the loan process, with continually requesting additional information. That did not happen with Chris and Guaranteed Rate. I was amazed at the level of communication from Chris and his team. I have gone through the mortgage process multiple times in my life and this was by far the easiest and most enjoyable experience. It was a joy to work with such a knowledgeable and friendly person like Chris. He made this experience what it was, with...

John K.

Guaranteed Rate offered better loan terms than any other lender, and they were able to get me financed quick. Chris and his team are top notch. They were responsive, diligent, and helpful throughout the entire process. Chris went above and beyond the duties of a lender-he set me up with a title company and even got me in touch with an insurance rep. Buying a home was the biggest purchase of my life, and I couldn't have done it without Chris and his team. They are professional, personable, and...

Sarah Grabinski

About Chris

I entered the mortgage business in 2008, and since then I have loved every minute of helping my clients achieve their home ownership goals. My education from the University of Michigan-Dearborn in Business and Psychology has helped me fine tune my career in mortgage planning. Understanding the numbers of planning a mortgage is important, but making sure my clients are comfortable and happy is paramount to my business model. I take pride in treating my clients just as I would like to be treated, and this is a principle that my wife and I teach our two young children on a daily basis.

Chris interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage business since 2008. I have always enjoyed math and working with numbers.
Who is your typical customer and what questions do they typically have?
I work with everyone from first time home buyers to seasoned investors making their 10th purchase. The most common question is what is the rate that you offer, and I then proceed to educate that individual on all of the factors that go into an interest rate. I take time to explain things to my clients, and I respect their decision to want a competitive deal.
What specific steps do you use to help your customers find the best home loan for them?
I have an extremely thorough pre-approval process that includes a full credit application with supporting documentation required, and a unique set of questions that are not on the loan application to help me determine the client's exact ownership goals of the property I am helping them finance.
How long have you been in the mortgage business? What awards have you won?
I have been in the mortgage business since 2008, and I have won Best Sales Manager Awards for being the top sales manager at my previous company 2 years in a row (2012 - 2013). I have since happily divested out of management so that I can focus all of my attention on my clients, Realtor partners, Developers/Builders, and most importantly my family.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
I specifically remember a client of mine that was purchasing a new construction spec home on a 25-day purchase contract. He had just completed moving around a ton of money only to realize that he had created a bit of a Sourcing nightmare for himself. He didn't have 20% down, and he needed me to do a Simultaneous Close on an 80-10-10 Jumbo. I sat down with my team, and told them that this deal will close on time. We made headway on the deal each day, and the loan was clear to close prior to the contract expiring. My client was extremely happy, and has since referred me many of his family/friends.
What can borrowers do to insure a smooth mortgage underwriting process?
The most helpful thing a client can do to ensure a smooth mortgage process is to communicate clearly and quickly with the lender's team. When documentation is asked for, the client needs to provide it within a very tight time frame (24 - 48 hours). The lender's team will work as quickly as possible to get each client submitted into Underwriting, but it is extremely important for the client to follow directions of the lender 100% so that their loan can be submitted cleanly.
What provides you with the most satisfaction in your job as a Loan Officer?
The most satisfying part of being a loan officer is attending every one of my purchase closings (and as many of my refis as possible) so that my clients understand that I care as much about the beginning as I do the end of the deal. Seeing my client's happy faces at closing is extremely rewarding, and I feel blessed to enjoy such a wonderful career that in turn allows me to provide for my family.
Tell us something that makes you unique or something wacky, yet interesting about you?
I earned the "most outgoing" title in my high school mock elections, and I am pretty sure that my personality has helped me truly connect with clients my entire career.

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