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Cindy Koutsovitis

Vice President of Mortgage Lending
3940 North Ravenswood, Chicago, IL 60613
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NMLS: 224212
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Cindy K. and her team were ridiculously fast, friendly, knowledgeable, and willing to go the extra mile to ensure all the paperwork was in-order and on-time and that I understood the process from start-to-finish! I would highly recommend this team to anyone looking for a home loan!

Derek S. | July 2017

We spoke with three lenders when we began our mortgage process. From the get-go, Cindy K. was straightforward, easy to work with and highly knowledgeable. She has 15 years of lending experience, and it truly shows. Above all, she was honest, managed our expectations, and we could easily get in touch with her. Guaranteed Rate's flexibility with our closing date/time (at such short notice!) was a huge stress reliever. Last, but not least, Cindy and a GRate associate attended our closing and...

Katelynn B.-- Chicago, IL 4/21/17

Cindy K was so knowledgeable and patient and answered all my questions. I would use them again.

Gulsen S- Des Plaines, IL 5/8/17

Cindy Koutsovitis not only helped me get my home she helped me get the home of my dreams. I truly have not enough words to describe how incredible professional she was. She made every single step so ease, I would definitely strongly recommend her in the future. Thank you again for your help.

Nicolas J.- Chicago, IL I 3/8/17

Guaranteed Rate (especially Cindy Koutsovitis) could not have been more helpful, more on top of things, and more willing to work hard drive to this whole process. I will definitely be recommending Guaranteed Rate!

Jamie A. - Palos Heights, IL | APR 2016

Cindy was heaven sent. She made the entire process very comfortable and explained everything to me. I was very happy.

Sotirios R. - Niles,IL | MAR 2016

Check out this awesome Yelp review for Cindy Koutsovitis! After a long ordeal with Veterans United Home Loans, a good friend referred my spouse and I to Cindy Koutsovitis at Guaranteed Rate. There are no words to express how thankful we are for Cindy especially after the nightmare we went through with the VA. She was quick, efficient and had our interests at heart throughout the entire process. (...) Not only is she great at her job but she's very friendly and ensure all clients are...

Kevin W. – Chicago, IL | OCT 2015

Check out this Facebook review for Cindy Koutsovitis! I worked with Cindy as a first time home buyer and then again to refinance that mortgage. On both occasions, she was extremely patient and thorough with explaining every step of the process. Cindy truly wants you to understand the process and be comfortable with it.(...) Cindy is professional and personable. I've already recommended her to family and friends and would not hesitate to recommend her to anyone. Cindy is really great at what...

Kathy P. | SEP 2015

Cindy is a rock star! She was very responsive (e-mails or calls the same day) and always took the time to explain everything. As a first time home buyer, she made what could have been a very stressful experience a breeze. I would highly recommend her to friends and family.

Michella C. – Chicago, IL | Sep. 2015

Check out this Facebook review for Cindy Koutsovitis! Cindy is amazing! She helped us from beginning to end. Whenever we had questions, Cindy always took the time to explain it to us and made sure we understood. She is knowledgeable and reliable. She knows what she is doing! We are so grateful to have worked with her!!! See full review:

Ilona L. | AUG 2015

Cindy Koutsovitis was extremely helpful and reliable! I do not know how we would have done it without her. It was the best decision ever to have worked with her. She was patient and understanding with us and our concerns. She was also very knowledgeable which made us feel secure. Cindy was very responsive and always got back to us right away. Cindy truly made this process for us special.

Ilona L. – Chicago, IL | AUG 2015

Cindy was excellent as she was a great help from the beginning until the FINAL END! Very patient and dedicated to her profession. On a one to 10 scale: She was a 20!

Michael B. – Des Plaines, IL | AUG 2015

Check out this Facebook review for Cindy Koutsovitis! This is the 2nd time we have worked with Cindy. She is incredible at what she does. We came back to her to refinance and get a lower rate. She has gone above and beyond to help figure out a few major issues we had so that we could get approved for a loan on both occasions. I have recommended her to all my family and friends. She is a pleasure to work with and we will definitely use her again!! See full review:

Nick S. | JUL 2015

Check out this Facebook review for Cindy Koutsovitis! Cindy is an amazing mortgage officer. She did an incredible job in my case. He is very organized and very knowledgable. We recently bought a house and the process was very smooth thanks to Cindy. The rate that she was able to het for me was the best in the market. I recommend Cindy to anyone is looking to purchase or refinance a home. See full review:

Stefania A. | JUNE 2015

Cindy is the absolute best; I have worked with her twice now and have recommended her to others. Guaranteed Rate also had April ready to go and licensed in Florida, which is what I needed for this sale. Everyone at Guaranteed Rate is incredibly professional and friendly.

Michael S. – Chicago, IL | May. 2015

Cindy was extremely responsive and always worked hard to fill me in and answer any of my questions. She had to educate me on a lot of the processes and I think she did a great job.

Jason B. – Los Angeles, CA | May. 2015

Cindy Koutsovitis is incredibly detailed and informative with her mortgage knowledge. We appreciate her taking the time to explain everything in detail and her hard work in completing our refinance.

Wayne E. – Des Plaines, IL | Apr. 2015

Cindy Koutsovitis was the best. Cindy was prompt, accurate and inclusive in all of her expectations and communication. The online process, doc requirements, underwriting, and closing all went smoothly and surprisingly quickly. Cindy and team deserve an "atta girl" and have earned a well deserved promoter of Guaranteed Rate.

Michael F. – Winnetka, IL | Jan. 2015

Check out this Facebook review for Cindy Koutsovitis! Cindy was there on every step of the way, she stayed on top of things and prevented anything to becoming an issue (small or big). I got my status update from her and her team regularly, mostly unsolicited. I won't go anywhere else if I ever needed financing again, and I will definitely recommend her. See full review:

Cedric C. | DEC 2014

Check out this Facebook review for Cindy Koutsovitis! Cindy! Thank you so much for all the help you provided for me and my family in getting a home! Words can't say enough. I appreciate your communication with me through the entire tedious process, and just how fast you were able to get it done for us. Thank you once again, and I will recommend you to every person I know! See full review:

Joe L. | NOV 2014

Cindy was amazing! I will absolutely recommend her to all my friends!

Joseph L. -- Bolingbrook, IL. | Nov. 2014

Check out this Facebook review for Cindy Koutsovitis! Cindy was amazing to work with. Very knowledge and always kept me in the loop of everything. Highly recommended! She made this entire process a breeze unlike other experiences I've had. See full review:

Maria S. | OCT 2014

Cindy Koutsovitis was fantastic! She made buying my first home as easy as possible. Cindy thoroughly explained the whole process to me and patiently addressed all my questions and concerns throughout. Her response time was always amazing. I would recommend Cindy to anyone!

John L. -- Chicago, IL. 9/22/2014

We were first time home buyers and knew nothing about the process. Cindy was great with advising us through the process and very patient with explaining every step.We had a complicated loan in that we had to add a co-borrower and needed additional funding. She was very thorough and our closely was smooth and quick.

Kathleen P. -- Chicago, IL -- 10/3/2014

Cindy Koutsovitis was fantastic! She made buying my first home as easy as possible. Cindy thoroughly explained the whole process to me and patiently addressed all my questions and concerns throughout. Her response time was always amazing. I would recommend Cindy to anyone!

John L.

I don't think I can say enough good things about Cindy. Really, I was just amazed. I am self employed, which can make these things very difficult, but she kept pushing for us and I am pretty sure that's the reason I am in my house today. She is very good, very friendly and very professional. I'll be refinancing in about a year and you can bet she is going to be my first call.

Patrick M, -- Chicago, IL, 2/27/2014

Cindy Koutsovitis & her team were extremely professional and thorough. They were able to complete the application through closing in 3 weeks time to meet an urgent need on my behalf. Cindy was very pleasant to work with, very detailed in responses to my inquiries, and consistent in keeping me informed on the progress of the loan application. Her knowledge of the mortgage process is excellent and she was always willing to go to the necessary depth to provide clear answers to my inquiries.

Vasilios I.

"Cindy is a very conscientious and caring individual. She was wonderful to work with and as long as there are employees of her caliber, your company will excel in customer service."

Elroy E. -- Elk Grove Village, IL. -- 12/2013

"The customer service provided by Cindy was excellent. This is our second refinance with Guaranteed Rate and she is the reason we came back to work with your company again."

Robby C. -- Rockwell, TX. -- 1/2013

"Cindy and her team were honest, very friendly and helpful they definitely knew what they were doing. We are very pleased with the service you have received from you!"

Maria E. -- Des Plaines, IL. -- 1/2013

"Cindy took very good care of us and the loan process was very painless. She was patient and helped me greatly by guiding me through the obstacles and allaying my fears constantly. I appreciate her help more than she will ever know! I found Guarantee Rate to be user and customer friendly and the rates were fantastic and the process was virtually painless overall. Any time I had a concern, my questions were answered and Cindy calmed by fears many times over. I will definitely refer everyone...

Alan B. -- Des Plaines, IL. -- 2/2013

"The sellers wanted a fast closing and Guaranteed Rate helped us out by getting this deal closed very quickly! I enjoyed the process enough to let other people know about Guaranteed Rate. Great!"

Scott P. -- Roselle, IL. -- 4/2013

"Cindy Koutsovitis was fantastic. She took extra time to explain things to me when needed and always responded very well to all my inquiries."

Craig J. -- South Elgin, IL. -- 8/2013

"Cindy Koutsovitis handled the refinance of my home and helped me through every part of the process to make it flow seamlessly. It was appreciated so very much! I will definitely be recommending her to others in the market for buying or refinancing their home! I was going through a very stressful event in my life - and to have Cindy Koutsovitis take the time and attention to help me through this whole process in a kind and caring way was absolutely wonderful! I'm very happy Guaranteed Rate...

Dawn H. -- Carol Stream, IL. -- 9/2013

"We really appreciated how quickly and professionally this re-finance was handled, it was a pleasure working with the team. Cindy, our loan officer, was very pleasant and helpful and really helped us over the finish. Thanks!!"

William S. -- Des Plaines, IL. -- 10/2013

"Cindy Koutsovitis is a highly motivated professional and your company should be proud of her work. Thanks!"

Joseph M. -- Highland Park, IL. -- 10/2013

“I have worked with Cindy Koutsovitis prior on my first home purchase; she had completed the initial purchase as well as refinancing my loan. As with the previous times, Cindy worked diligently to ensure my loan was processed with care and on time at our requested close date. Cindy also made me feel as though I was her only client (which I am sure is far from the truth). Her level of personal attention is unmatched. Her work speaks volumes about the service Guaranteed Rate offers and I have...

Phillip M. – Washington D.C. – 11/2013

Hey, check out this amazing review from Luke about Cindy! “Cindy Koutsovitis and her team couldn't have been more helpful. I was able to save ~ $9k in closing costs and get a lower rate by switching to Guaranteed Rate very close to my closing date (I already had a loan approved and ready to go with another company). Cindy and her team were very organized. They gave me very specific guidelines and timelines so that I knew how/when to get information to them. Cindy and Guaranteed Rate made...

Luke C. -- Chicago, IL -- 5/2013

"A loan officer at a different credit union could not help us with our refi, so he gave my name to Cindy and she called me. Cindy is wonderful. I felt like she truly made it her mission to help us out! We LOVED that they came to me and we didn't have to make arrangements for little kids or take off work. I have already given Cindy's name and number to my friends and family."

Jennifer P. --- Grayslake, IL -- 3/22/13

Hey check out the amazing review from Timothy about Cindy! “This is our third refinance with Cindy and as always we are very pleased with her responsiveness and high level of service! Cindy's services are exceptional with no gimmicks or games. Everything went exactly as planned. Thanks again, Cindy!”

Timothy T. -- Lothian, MD -- 04/2013

We were exceptionally pleased with our service from Guaranteed Rate. Cindy Koutsovitis was wonderful! She made the process smooth and easy. I would recommend Guaranteed Rate to others and have already given Cindy's contact information to other friends.

Kendra L. - Silver Spring, MD 2/2012

Everything was wonderful. Cindy went above and beyond what we expected to help us get approved with a mortgage. 100% we would use Guaranteed Rate again. I have already referred several of my family members to Cindy for refinance and new mortgages. Some of the best service we have ever had in the mortgage industry!

Nick S. - Bartlett, IL 9/2011

I would highly recommend Cindy Koutsovitis as a mortgage banker. I found Cindy to be tenacious, works extremely hard for the client, and is diligent in moving one through the mortgage loan process. We had a difficult situation with self-employment income and other stable income not well understood by lenders but she spent the time understanding our complex financial condition and got our approval. I feel very fortunate to have had the opportunity to work with Cindy on our home refinancing.

Craig S., Mill Valley, CA

About Cindy

I've been lucky enough to spend the past 15 years serving the lending industry and helping my clients achieve the American dream of owning a home. When it comes to financial and real estate decisions, I believe everything comes down to trust. I enjoy creating a lasting relationship and making my clients feel comfortable in relying on me to find the best loan possible to meet their financial goals. I create an open line of communication while educating my clients throughout the entire business process allowing us to make the most beneficial financial decisions together.

Cindy interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
The very first thing I do is listen to their needs to get a clear understanding of what their goals are and what they want to accomplish. By asking them the proper questions, we'll work together to come up with a payment and loan program that they're comfortable with.
What can borrowers do to insure a smooth mortgage underwriting process?
I advise my borrowers to have open communication with me and be upfront with their information to ensure a smooth process. This requires having all the necessary documents in a timely manner and carefully reviewing our instructions and checklist. Paying attention to detail is key in the mortgage business, so providing all pages to documents such as all schedules of their tax returns and all pages to bank statements is very important.
What provides you with the most satisfaction in your job as a Loan Officer?
Buying a home is very exciting but it can also be stressful at times, so its a great feeling to see it all come together at closing. When you see your client holding their keys, and homeownership has become their reality, its worth all the time and effort!
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I enjoy spending time with my husband and my family and I love to travel when I can. Some of my hobbies include yoga, cooking and interior design.

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