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John M. Johnson

Senior Vice President of Mortgage Lending
3940 North Ravenswood, Chicago, IL 60613
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NMLS: 139664
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John Johnson was most helpful as well as his team. Will definitely come back to GR when it's time to refinance.

Molly B. -Highland Park, IL | MAY 2016

2nd time using Guaranteed Rate, JJ (John Johnson) and his team were awesome. They kept me up to date on progress, sent me reminders when I owed information, and were very responsive to all my questions - including answering late evenings and weekends. Will definitely use JJ again in the future.

Amy V.- Lisle, IL | MAY 2016

Have used John for three mortgages and I never have any struggles with this process.

Marta M. – Chicago ,IL | JAN 2014

I've worked with John Johnson for years and he's great.

John L. – Winnetka, IL | June 2015

John Johnson was always available for questions and reachable during our bidding process to make sure we could afford the house we were bidding on.

Elise M. – Oak Park, IL | June 2015

John Johnson and his staff are the greatest

Charles R. – Lisle, IL | Mar. 2015

John Johnson provided excellent and personable service.

Susan A. --Chicago, IL. 10/20/2014

John Johnson was great to work with. Very responsive and made it an easy process.

Jennifer G. -- Chicago, IL. 10/01/2014

John and his team were excellent! They were very responsive and provided information in a timely fashion!

Christopher W. -- Glenview, IL 8/27/2014

John Johnson went over and above the call of duty. He really helped me connect the dots and set my mind at ease. I would recommend GR and in particular John Johnson without reservation.

Robert F. -- Downers Grove 5/19/2014

"It could not have gone any smoother, JJ did really really well, it was a really smooth process. We've heard nightmare stories but this was nothing like that. Everything was so easy! We'll definitely be using them again in the future and be telling our friends about our experience."

Maria M. -- Chicago, IL. -- 10/2013

Hey check out the amazing review from David about John! “I had a first-rate experience with John Johnson and Anne Mansfield of Guaranteed Rate. They were very responsive to the questions I had during the process and worked to accommodate a quick closing due to some travel that I had planned. They made the appraisal, loan application, closing and approval process very easy with no surprises! John and Anne kept us informed of the status of the loan during the whole process and followed...

David W.-- San Carlos, CA -- 04/2013

I have dealt with Guaranteed Rate twice over the course of my home buying process. Dealing wtih John Johnson and Anne Mansfield was the easiest process I ever went through. They both were extremely through and accessible. They also provided different options and explained the options in everyday terms.

Bradley B. - Chicago, IL 9/2011

About John

I started in the business in 1992. I was doing business brokerage prior to the mortgage industry and worked with banks to help finance the transactions we put together. By pure coincidence I saw a buddy at a New Year's Eve party that had just gotten into the mortgage industry. Rates had just dropped below 10% at that time and there was so much business to be written they could barley handle it all. I interviewed with his company and the rest is history. I was the top producer for Guaranteed Rate from 2000-2003. I've been awarded numerous customer service awards over the years and have funded over $1Billion dollars in mortgages. I have BS in Finance and my MBA from Illinois State University. I'm married with two boys.

John interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
I spend a lot of time with customers upfront on transactions and clearly spell out the closing costs they should expect from all parties (inspectors, attorneys, us, title companies, insurance companies, transfer taxes, etc.). It seems minor, but it's rare that somebody fully discloses all the fees involved with buying a home. It builds a certain level of trust with the client immediately. Then we discuss their short and long term plans and compare the various financing options to ensure they select the right mortgage.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
The vast majority to clients take a fixed rate loan and it is a safe and secure move on their part. However, a 30 year fixed rate also carries the highest rate of interest of any mortgage product. If a person knows they'll be selling the home or paying the mortgage in full in the next 5-10 years, they should at least consider an ARM program before making a final decision.
What part of the home loan process do customers find most difficult and how do you help them through it?
Borrowers seem to find the underwriting of their file the most difficult part of the process. We always try to take the time and explain why an underwriter is requesting additional information or clarification on the file vs. simply requesting additional documentation with no explanation as to "why".
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I coached youth baseball and basketball for ten years.

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