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Hector G. Cardenas

Vice President of Mortgage Lending
320 W. Ohio St, Ste 410, Chicago, IL 60654
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NMLS: 231110
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About Hector

My name Hector G. Cardenas. I have been a national leader in premier mortgage lending for over fifteen years. With a degree in Finance from the University of Illinois-Chicago in 1999, I have acquired an extensive education on all aspects of the financial world. My years of experience working with real estate attorneys and other financial specialists has afforded me a large network of competent professionals. This allows me the ability to consult with the experts regarding intricate title, financial and lending matters. I also aspire to create the best lending experience to all of my clients with commitment to service, vast knowledge and a strong work ethic. Being fluent in both Spanish and English, I love to spend my down time traveling the world and learning from different cultures. My communication skills and knowledge of different cultures also allows me to deliver customers the highest level of skill and customized service.

Hector interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I entered the mortgage lending business 15 years ago because I wanted to provide my unique expertise and broad knowledge to clients who want unparalleled, fresh perspectives on lending options and solutions. I love it when I meet clients and help provide them with the best service and resolutions for their financial needs.
How has the mortgage industry changed since you started, and what would you expect in the future?
Because of the past challenges in our industry, I am happy to see that my clients come to me more conscious of the long-term commitment their financial decisions require. They want to prepare themselves. I love teaming up with them as their long-term advisor to guide them, not only through a single mortgage process, but to realize their lifetime financial goals.
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?
Part of the reason I chose to team with Guaranteed Rate is because their technology structure is top notch. I highly recommend all of my clients use the Guaranteed Rate Mobile App. It makes house hunting so much easier and offers them the information they need right at their fingertips. When it’s time to complete an application, customers can complete the Digital Mortgage in just 20 minutes! This will allow them to shop for a home with the security of a pre-approval. It also helps cut down on the challenges of providing secure documents.
What provides you with the most satisfaction in your job as a Loan Officer?
I am most satisfied when I make sure my customers’ needs are understood. I take the time to get to know the people I work with. I investigate their future dreams and goals to help them make fit decisions for their future. This allows me to avoid a cookie cutter mortgage model and really customize the mortgage process for each of my clients.
Tell us something that makes you unique or something wacky, yet interesting about you?
I am fortunate to travel the world. This allows me to cultivate diverse and rich friendships in my personal and professional life. I pride myself on truthful and honest relationships.

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