Joe Richardson

VP of Mortgage Lending
40 Skokie Blvd, Ste 450, Northbrook, IL 60062
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NMLS: 559919
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Joe is PHENOMENAL! Thank you for all your hard work!

Tyler P. | April 2018

I wanted to let you know how pleased I was with the service of Joe Richardson. I first met Joe several years ago when he was at Bank of America. When my son Gregory purchased a condo recently I was not happy with the service he was getting in procuring his mortgage. So I remembered Joe and called him. This was not a big mortgage but Joe treated it like this was his only one. There were some hang ups along the way but Joe persevered and at the end all went well and Joe stepped up to the...

Bruce D. - 4/13/16

Joe Richardson is the best loan officer I have ever dealt with. I have been in the real estate business since 1997, and never dealt with someone who was more dedicated to his client. Joe took an impossible situation, and closed in record time. We were two months into a house purchase with a major bank. For some reason, the bank was not able to close within the guidelines they set. Joe was called, and from scratch to close was eleven days. He worked relentlessly for us and stayed on the case...

Charles W. - 9/17/15

Joe - Thank you so much for your help I have no words to thank you enough. It's a dream come true after trying for our loan with different lenders for the past 4 years you are the only one who did it very perfectly in such a short time. Thanks again for working on my loan even when you were sick. Today I have a good loan with good interest rate, good home insurance, auto insurance is a plus and you helped me with my closing papers as my attorney was late. Me and my husband really appreciate...

Taheseen H. - 12/18/15

My loan officer Joe Richardson went above and beyond to meet closing deadlines that were crazy, not to mention tolerate unacceptable and rude behavior form the seller's realtor. Joe did great under pressure and remained professional at all times through a very stressful and uncomfortable couple of days.

Alison W. - 9/8/16

It gives me great pleasure to write this well deserved review for Joe Richardson. If someone can be called a super lender, that would be definitely him. I have been through this process before with other lenders for my past home purchase and refinance, but this experience was truly fantastic and the loan process was a cake walk. Once I had a contract in place, it took Joe exactly 8 days to process and give clear to close we closed on the 9th day and moved on the 10th day. Joe was responsive...

Taranbir S. - 7/20/15

Joe Richardson was by far the best loan officer I have ever worked with. He understood my unique situation immediately and his years of experience and knowledge him to quickly choose the best approach to put me in position to get my loan approved. Joe kept me well informed throughout the process and gave me a heads up when there was an issue or a change of some kind. He was cool, calm and collected when I was on the verge of tearing my hair out and got glitches attended to promptly and...

Diane B. - 7/7/15

Joe Richardson is one of the most professional, and effective mortgage related businessman I've every known or dealt with. Long before dealing with him on a necessary HARP refinancing effort on our home, I worked in a firm having a mortgage servicing division within it. So I know of such individuals. Joe was able to troubleshoot with ease a process that, before that, had been a nightmare for my wife and I with our existing mortgage holder...and was able to do so in a fast, assured, and very...

Ken A. - 4/23/15

Joe Richardson is an outstanding loan officer that is attentive to the needs of his clients and always responsive to any questions during the process. Thanks - as always it was a pleasure dealing with you Joe.

Greg L. - Wilmette, IL

I am so grateful to Joe for making my refi easy and convenient. I felt as if he sincerely cared about my experience. He also is helping my son get his first mortgage and offered him advice he needed. Thanks Joe!

Dee H. - 3/1/15

About Joe

Of my 32 years in the financial arena, the last 16 have been exclusive to the Mortgage Banking industry. I have a wide range of clients that span from the Affluent/Jumbo space to the First Time Home Buyers marketplace. The decision to join the Guaranteed Rate team was easy, as they truly are "best in class". They deliver real results and in a really short period of time.

I value my clients and future customers and they deserve nothing short of the highest level of customer commitment that my team can provide. Guaranteed Rate understands that philosophy and can deliver throughout, even after the mortgage process is completed. This distinction allows me to continue to foster my long standing and mutually beneficial relationships with my Realtors, Attorneys, Financial Planners and other business partners.

Guaranteed Rate has once again ranked among the largest retail mortgage lender in the U.S., according to figures from the third quarter of 2014. More impressively, the stats also show that Guaranteed Rate has tripled its share of the mortgage market since early 2011. We do loans nationwide. If you are looking to buy a home, whether it is a primary residence, investment property, vacation home or are considering refinancing, please do not hesitate to get in contact with me! I am happy to lend advice and help you in any way I can.

Specialties: Jumbo Loans, Single Family Homes, Condo’s, and Multi Unit Properties.

Our product offerings include:

• Jumbo loan programs up to $3 million

• Relocation programs

• 1031 Exchanges

• 100% financing USDA loan program

• 97.5% financing FHA loan program

• 97% financing conventional loan programs

• 100% financing VA loan program

• FHA and conventional renovation programs

• Down Payment Assistance available to qualified borrowers (up to $5,000)


Joe interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the financial arena for over 30 years. The last 17 years have been in the mortgage banking space.
What advice would you give new or first time home buyers?
Do your homework! Utilize our website to further educate yourself.
What can borrowers do to insure a smooth mortgage underwriting process?
Clearly understand the processing timeline from application to closing. Stay engaged in the process. Be prompt in responding to the conditions that may be requested to underwrite your file.
What provides you with the most satisfaction in your job as a Loan Officer?
Assisting folks with the purchase of their first home.

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