GuaranteedRate - Mortgage Company

Efrain Miranda

Vice President of Mortgage Lending
3940 North Ravenswood, Chicago, IL 60613
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NMLS: 893938
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TestimonialsCustomer testimonials Read more

What a great experience we had with Efrain. It's nice to have someone who is knowledgeable AND honest - very rare find nowadays. There's no doubt he has been, and will continue to be, our families mortgage guy. Thank you for everything you've done and continue to do for us.

Oscar A. | January 2016

Efrain is a great team player and has superb communication skills. He always responds quickly, has or finds answers, and is very customer service oriented. I have consistently received positive feedback from my referrals.

Alicia R. | February 2016

Another easy and great experience with Efrain. My family has done more than five transactions with Efrain including my very first purchase. Wouldn't dare go with anyone else. As always, he went above and beyond! Thank you!

Ulysses A. | October 2016

Efrain is a knowledgeable and reliable mortgage professional. He is always able to answer questions throughout the mortgage process. Amazing customer service!

Zammy A. | February 2016

Thank you so much! You did a great job and you were very hands on. Definitely will recommend you and would use again. Thanks again!

Soldayane M. 06/28/2016

Efrain was extremely helpful and professional throughout the entire refi process. I have already recommended him to a friend.Overall a top notch experience, thank you, great job.

Marcy P. – Berwyn, IL | JUN 2016

Efrain and the team did a great job in walking me through the whole process. Even when there was a snafu with the estimated taxes Efrain took time out of his vacation to explain to me the likely cause of the issue and that it would be rectified. The whole team did a great job.

Robert B. | March 2016

He always communicated affectively and acted with urgency as required. He was able to translate in either Spanish or English and explain scenarios at a high or low level making it very easy for my parents and myself to understand processes and procedures. I just wanted to take a moment to let you know about our recent interactions with Efrain Miranda and the great service he provided even when things got a bit complicated he always showed confidence and exuded a calm and peaceful...

Adrianna M. 01/19/2016 Part Two

I am writing this letter to let you know about your talented employee Efrain Miranda. I want to let you know what a pleasure it has been working with someone who is extremely professional, timely, and efficient. Efrain has gone above and beyond the call of duty in providing outstanding service, professional demeanor, a positive attitude and patience when dealing with my parents Humberto R. Avila and Yolanda B. Avila. He was able to give updates as needed, followed up on next steps as we...

Adrianna M. 01/19/2016 Part One

I want to let you know what a pleasure it has been working with someone who is extremely professional, timely, and efficient. Efrain has gone above and beyond the call of duty in providing outstanding service, professional demeanor, a positive attitude and patience when dealing with my parents Humberto and Yolanda. He was able to give updates as needed, followed up on next steps as we went through the process of getting approved and leading to closing on the house. He always communicated...

Adrianna M.---Lake Forest, IL 1/20/16

Efrain and his team were very professional and efficient when helping us secure a loan. We had a few bumps along the way and Efrain was able to help us resolve them before any issues arose. Efrain always had time for my many questions and was able to calm me when I stressed out about the whole buying process. At the end we had a very successful home purchase and are happy with the loan that Efrain and his team were able to get for us. I would use his services again and also recommend him to...

Chunying S.--Chicago, IL 1/11/2016

Efrain was fantastic, and answered all of my questions.

Jerald S. – Chicago, IL | Apr. 2015

This is my 3rd encounter with Guaranteed Rate with the last 12-14 months. I keep coming back because of the sterling manner in which Efrain Miranda handles his portion of the process. He is excellent at customer service!

Bill W. - Lakeland, GA | Jan 2015

Efrain was an excellent Loan Officer. Working with Efrain was great. Not only did he give me the best rate but I actually ended up paying less then expected. That is rare. He was very prompt to answer questions and explain everything to me. I would recommend him as well as his team. His team members were also very good to work with. If he needs a recommendation I would be willing to help. Thank you for the help.

Nicholas B. – Phoenix, AZ | Jan. 2015

Thank you again for everything that you did! The housewarming present was an unexpected touch and very sweet. I almost cried. We did try going with an big company at first and they did not give us 1/10 of the customer service, support, or attention you did. We will most definitely refer you to everyone!

Johanna and Armando -- Worth, IL, 11/6/2014

Just received a very sweet housewarming gift from an amazing mortgage specialist. If anyone is looking for a referral, Efrain Miranda was FANTASTIC! We had several friends tell us to call him and he delivered. We're now on month two in our new home, making amazing memories with friends and family. We could have gone anywhere for a loan, but the experience we had with Efrain was priceless!

Johanna & Armando P. -- 11/6/2014

Efrain does an amazing job as a loan officer.  I have referred a variety of family members to work with Efrain.  They speak highly of his professionalism, patience, and work ethic.  I will be more than happy to continue to refer more people to him.

David S. -- Chicago, IL 4/29/2014

The experience was wonderful.Efrain was communicative and responsive throughout the entire process! Efrain was also attentive and very hard-working!

Kristen C. -- Oak Forest, IL 4/29/2014

Overall, I would say my wife and I had a great experience working with Efrain Miranda.   When Efrain was recommended to us, my wife and I met with him and Efrain assured us communication was key with him and that he would work diligently to provide us with the best loan possible with the quickest turnaround time.  Throughout the process, Efrain explained everything in thorough detail.  In the end, he was able to work out a loan with an excellent rate in which we kept a lot of our money in our...

Sergio C. -- Willowbrook, IL 2/28/2014

Efrain helped me with my refinance and it was a pleasant experience.  He listened to my concerns and offered me several options. He helped me save over $200 per month.  I can’t thank him enough for his diligent service. 

Erica W.-- Chicago, IL 2/28/2014

Process was very smooth.  Efrain did a great job of keeping me updated on the process as well us explaining the loan options up front. 

Stephen D. -- Chicago, IL 2/27/2014

Very Satisfied

Jason N. -- Olympia Fields, IL 2/27/2014

Efrain and his team were a pleasure to work with.  They moved quickly and enabled us to meet a tight closing deadline.  There were some tough challenges thrown their way, but they were able to make it happen.  We would use them again for future home purchases."

Anthony J. -- Sunrise, FL 2/27/2014

Very easy from start to finish and the rates were good.

Tomasa M. -- Evanston, IL 2/26/2014

Efrain was very easy to work with and answered all of my questions and concerns in a timely manner. The rates are great and can't be beat by any other bank.”

Hope M. -- Cicero, IL 2/26/2014

The interest rate and loan processor response were both great. I've already recommended you to the listing and buyers agent

Holly M. -- Jacksonville, FL 2/26/2014

Best transaction of my life. I was especially happy with my loan officer, Efrain Miranda, everything went lightning fast and I couldn't be more satisfied.

Sergio C. -- Chicago, IL 2/26/2014

Efrain Miranda is knowledgeable and got back to me quickly. If he didn't know something he would find the answers.

William B. -- Port Orange, FL 2//26/2014

Efrain has assisted my husband and I in obtaining the financing for our homes over the last 5 years. I enthusiastically recommend Efrain because he is very thorough and knowledgeable and has the impressive ability to explain the highly complicated mortgage loan process and interest rate options to individuals at all levels of financial acuity.

Elia M. -- Brookfield, IL 2/26/2004

Efrain worked with me to provide me with the best possible options for the refinancing of my condo. He was very attentive and always had my best interests in mind. In addition, he made the process smooth and easy. I'd recommend Efrain for anyone's residential mortgage needs.

Angie Ng -- Chicago, IL 2/26/2014


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Efrain interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I started in 2000 as an assistant while I attended Loyola University. Purchasing my first property and going through the process inspired me to get into the business. The experience was interesting and made a profound personal impact. I was always interested in real estate and found that I enjoyed the intricacies of mortgage lending. I knew being a part of something that effects people's lives so profoundly would be rewarding.
What advice would you give new or first time home buyers?
Ask plenty of questions. As a tutor, I realized how important it is for students to understand material - a first time homebuyer's approach shouldn't be any different than that of a student. Ask plenty of questions and do choose professionals you feel comfortable with.
What part of the home loan process do customers find most difficult and how do you help them through it?
Getting started. Unfortunately, some previous buyers have had unpleasant experiences or, first time home buyers may feel a bit intimidated with the lending process. Frankly, this should be an exciting and positive's not rocket science - understanding a client's scenario + educating them on best options + setting proper expectations=happy clients.
Summary of where you grew up: family, affiliations, college, high school, etc.
I am a Chicago native, raised in the Pilsen and Cicero neighborhoods. I've also had the pleasure of living across Chicagoland including Lakeview and Rogers Park, where I attended Loyola University. I currently serve as Treasurer on the Board of Directors for Berwyn's City of Homes Organization.
Tell us something that makes you unique or something wacky, yet interesting about you?
One thing...not fair. I road my bicycle across America.

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