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Joe Caltabiano

Top Producer
3940 North Ravenswood, Chicago, IL 60613
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NMLS: 14006
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"I have had the honor of working with Joe Caltabiano for over 10 years. He is a consummate professional and a great guy. As a leukemia survivor, he has a unique understanding of what is important in life and generously serves organizations such as St. Jude Children's Research Hospital. He also appreciates the value that realtors like myself offer to clients and the greater community. His level of service is second to none. He responds to calls, gets the best interest rates and educates clients...

Joe Zimmerman, Partner, MKT Properties

"Joe is fantastic and the entire team was extremely professional and did a great job. We have done a couple of home purchases and several refinances with Guaranteed Rate and we have had the same fantastic experience. This time was great as well. At the closing table, my attorney, they sellers attorney, the (dual) real estate agent and the Chicago Title Closer all were relieved to have Guaranteed Rate as the lender for the home purchase. Each of them had specific positive stories of their own...

Christopher R. - Geneva, IL - 3/10/2014

"Joe is a consummate professional, a clear communicator and helped us navigate a complex process seamlessly. This was a fantastic experience. Everyone at your company was a great communicator, provided everything we needed and delivered on what they said they'd do."

William K. - Chicago, IL - 4/15/2014

"Joe was straightforward with everything and he made everything extremely smooth!"

Gerardo M. - Darien, IL - 4/23/2014

"Joe was fantastic and very easy to work with!"

Stuart S. - Chicago, IL - 7/29/2014

"Joe Caltabiano and his team were outstanding throughout the process! They clarified required documents and provided timely information to me!"

Richard R. - Pittsburgh, PA - 8/27/2014

"Both of the loans we got through Guaranteed rate went off without a hitch. Joe told us from the beginning that this would be the case and he was correct."

Knox L. - Chicago, IL - 2/5/2015

"Joe Caltabiano is the best ever."

Paul S. - Indianapolis, IN - 9/25/2014

"Quick response times, quick turnaround, very knowledgeable staff, and best of all a low rate!"

Thomas W. - Chicago, IL - 6/2015

"Joe and Nikki are extremely pleasant to work with. I was kept apprised every step of the way, so I knew where I stood. They made it extremely easy to navigate the whole refinance process. Joe is very proactive! When other lenders turned me down, GR came through big time. Everything went without a glitch. What more could someone ask for?"

N. Paguaga - Lincolnwood, IL - 11/2014

"Joe Caltabiano and his team are without compare."

Eric B. - Chicago, IL - 11/2014

"I recommend you guys to everybody. Great rates, low cost, and high speed."

Thomas B. - Portland, OR - 12/2014

"Joe and Corbin worked very quickly and handled everything with steadfastly and with ease. Communication was consistent and they were always able to respond back to email and questions within a matter of hours."

Ellen S. - Chicago, IL - 12/2014

"Joe was great."

Stephen L. - Glenview, IL - 01/2015

"Joe and his team are incredibly responsive and helpful. I had a few questions along the way and team would get back to me immediately, making the process easy and frustration free. Everyone involved were friendly and helpful, I've used Joe C. and his team before and it's always been perfect."

Daniel G. - Natick, MA - 01/2015

"Extremely great customer service and prompt responses. I have actually already recommended Guaranteed rate to a number of co-workers."

Roberts G. - Chicago, IL - 01/2015

"Joe and team were a pleasure to work with. Everything delivered as promised."

Marcus K. - Winnetka, IL - 03/2015

"Joe and Nikki. Period."

Marco R. - Chicago, IL - 06/2015

"Joe Caltabiano and his team are fantastic."

Scott U. - Chicago, IL - 07/2015

"It was easy as it could be these days. I thought Joe and his assistant were great! We were very happy."

Wendy N. - Hinsdale, IL - 9/10/2014

"Nikki and Joe did an amazing job locking in rates for us. Our condo was delayed more than four months and they were so attentive, and patient."

Paul B. - Chicago, IL - 11/20/2014

"Joe C and team were amazing. Extremely responsive, and helped get us through the process in record time."

Robert G. - Chicago, IL - 4/1/2015

"Joe Caltabiano continues to provide top notch service. I have now used him and Guaranteed Rate for my last 3 mortgages and will continue in the future."

Robert T. - Chicago, IL - 1/4/2015

"Everything went extremely smooth. The attorneys and title company commented several times on how impressed they were with your service level!"

James R. - Chicago, IL - 11/17/2014

"So pleased with my experience working with GR and Joe Caltabiano - he was able to get me the loan I wanted with no surprises, no hiccups and on-time closing. I got a lower interest rate than what other banks were offering and without the need for PMI."

Corbin H. - Chicago, IL - 11/20/2014

About Joe

Joe Caltabiano’s customer base ranges from first-time homebuyers to experienced investors who have worked with him on 20 or more loans over the years. He prides himself on listening to the needs of his customers and then offering guidance on the various programs available to them. By providing information specific to their situation, he believes he can put borrowers in a better position to make an informed decision for themselves and their families.

Joe began in the mortgage business in May of 2001 and joined Guaranteed Rate in 2003. Since then his business has seen annual growth, he has closed over $100M in loans every year since 2004 and has totaled over $2.5BB in funded loans since 2001.

Guaranteed Rate has added Joe to the company’s Chairman’s Circle of elite originators, and with good reason. He has been the top producer at Guaranteed Rate on numerous occasions, most recently 2013 and 2014, and has been among the top 200 loan officers in the country every year since 2005.

In 2011, Joe was #4 in the country for purchase business as well as the top loan officer for purchase business in the state of Illinois. He was #1 again in Illinois for 2012 and 2013, Scotsman Guide named him the #4 originator in America in 2014 and, most recently, he was named to MPA Magazine’s Hot 100 list in 2016. Additionally, he was ranked #4 in the country on Mortgage Executive Magazine’s 2014 Top Originators list, and #13 in the country on Mortgage Executive Magazine’s 2015 Top Originators list.

Joe interview Q&A

How long have you been in the mortgage business? What awards have you won?
I began in the mortgage business in May of 2001 and joined Guaranteed Rate in 2003. My business has grown every year. I have closed over $100M in loans every year since 2004, and over $2 Billion in funded loans since 2001.

I have been the top producer at Guaranteed Rate on numerous occasions, including 2013 and 2014, and have been in the top 200 loan officers in the country every year since 2005. Guaranteed Rate has named me one of 6 elite originators in the Chairman's Circle. In 2011 I was number 7 in the country as well as the top loan officer for purchase business in the state of Illinois. I have been #1 in Illinois for 2012 as well as 2013. Scotsman Guide named me #5 originator in America in 2013 and, most recently, I was named to MPA Magazine's Hot 100 list in 2014. Mortgage Executive Magazine published their 2014 Top Originator list where I was ranked #4 in the country.

What advice would you give new or first time home buyers?
Work with a professional who is familiar with all type of loan products: Conventional, FHA and other grant programs that may be available. Always remember, you have options!
Tell us about a mortgage product that consumers may not be aware of?
Many people think they need 20% down to get a loan. This is not true. There are loan programs that require as little as 3% down. Banks want to lend money and they want to create programs that meet homebuyers’ needs. These programs will provide lower down payment options and relaxed credit guidelines, but they’ll still have strict standards regarding documentation.
How has the mortgage industry changed since you started, and what would you expect in the future?
The biggest changes I’ve seen are related to documentation. Limited documentation mortgage loans such as stated income are no longer available. To qualify for the best rates, borrowers must supply banks with paystubs, bank statements and tax returns. I expect that banks will loosen up on this in the next few years, but the rates for low documentation loans will be significantly higher. Of course, with Guaranteed Rate’s Digital Mortgage, borrowers can now submit all of this documentation online as well as choose their own loan type and rate, get their free credit scores from all 3 credit bureaus and get a real online approval. The whole process takes about 30 minutes. Guaranteed Rate has created the mortgage of the future and it’s a real time-saver for everyone involved.
What are the top 3 misconceptions people have about the home loan process?
A common misconception is that you need 20% down to get a loan. This is not true. There are loan programs that require as little as 3% down. Banks want to lend money and they want to create programs that meet homebuyers' needs. These programs will provide lower down payment options, relaxed credit guidelines, but will still have strict standards regarding documentation.
Are you active in any fundraising organizations? What goals and/or success have you helped them achieve?
I am very involved with the Leukemia and Lymphoma Society, as I am a leukemia survivor myself. I also am involved with the Guaranteed Rate Foundation, which was established with one simple objective: Impact the lives of families and communities in times of need in a meaningful and positive way.
Tell us something that makes you unique or something wacky, yet interesting about you?
I never pictured myself in the banking industry. I always expected to be a professional tennis player or a ski bum.

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