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John Moony

Branch Manager
3940 North Ravenswood, Chicago, IL 60613
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NMLS: 206094
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"John Moony made the whole purchase process simple. He was very professional and a pleasure to work with."

Andy H. -- Chicago, IL. -- 10/2013

My situation was unique and needed a lot of TLC due to the MANY regulations in the lending world. John Moony did a fantastic job and worked very hard to help get my application approved and to get me to the closing table. I would recommend him to anybody!

Joe B. -- Chicago, IL. -- 8/2013

"John Moony did everything promptly and professionally, and communicated frequently about the loan's process and approval progress. We experienced a lower rate and quicker turnaround time than offered by conventional banks."

Renee S. -- Cedarburg, WI -- 7/2013

Through a stroke of luck, our Real Estate agent recommended John Moony at Guaranteed Rate, He processed our loan in an incredibly timely manner with great customer service, and we got an even better rate! Thanks John and Guaranteed Rate!

James M. -- Buffalo Grove, IL. -- 5/2013

We are thrilled with the closing of our home purchase. John Moony, our broker, was very patient and took time to make sure we understood everything since we are first-time home owners. I cannot say enough about how great it was to work with John. Our agent and title company said our financing was the easiest financing they had seen in months!

Andrea C. -- Beaufort, SC -- 12/2013

I could not have asked for a better experience. John Moony was extremely helpful and talked us through the entire process. I can't express enough how positive this experience was. I will absolutely use Guaranteed Rate again as long as Gladys and John are still around.

Kyle B. -- Chicago, IL. -- 11/2012

"Thank you so much, both you and your team at Guaranteed Rate. It was a real pleasure working with you. Everything went smoothly from start to close."

Micky W. -- Buffalo Grove, IL -- 9/2012

I have done a purchase and 2 refinances with John Moony in recent years and I would recommend him to ANYONE. He is helpful, knowledgeable and quick to respond. Great rates and prompt and friendly service.

Catherine P. -- Evanston, IL. -- 4/2012

"Could not believe how fast John Moony got it done, especially with my self-employment. I'm a real estate attorney and work with Guaranteed Rate more than any other company. Attention to detail, efficiency, great rate and fabulous communication."

Ami O. -- Chicago, IL. -- 4/2013

John Moony was excellent. He managed our expectations and was available to answer all of our questions during the process.

Kenneth Z. -- Chicago, IL. -- 3/2013

"John Moony and his team were very attentive and helpful throughout the process. The application, approval and closing process was smooth and efficient and John was excellent. He provided clear and accurate explanations and timely responses. The entire closing took less than 90 minutes."

David G. -- Portland, OR. -- 4/2013

"John was great. He was very responsive and patient in answering all of our questions. We had a great experience and I would highly recommend John Moony; he was professional, responsive, and very helpful throughout the whole process. He made the financing part of the process a breeze. John was very helpful in ensuring that we were prepared for the close, walking us through documents ahead of time and letting us know what to expect."

Paige C. -- Downers Grove, IL. -- 11/2013

"John Mooney went above and beyond to make my tight time-frames and keep me updated on the process. He even assisted me in getting insurance. Very smooth and efficient process."

Abigail N. -- Chicago, IL. -- 5/2013

I was very impressed with John Moony and his team! John and his team always had timely responses and made the process go smoothly.

Ryan M. -- Chicago, IL 6/16/2014

I liked the process and those that I worked with.

Gerald B. - Loud, TN | Dec. 2014

The process was professional and smooth. Everyone I came into contact with was exceptional.

Mablene K. 02/25/2015

John Moony seemed to answer questions before I had them! The process was professional and smooth. Everyone I came into contact with was exceptional.

Mablene K. – Orland Hills, IL | Feb. 2015

"I thought the service provided was very satisfactory and the closing process was a breeze. Our attorney spoke very highly of guaranteed rate as well!"

Patrick Walters - Chicago, IL - 10/28/2015

John Moony and his team made our home buying experience seamless. They walked us through every step and were always quick to answer any questions we had. I would recommend Guaranteed Rate to all my family and friends.

Bill M. – Tampa, FL | NOV 2015

"We primarily worked with John Moony on obtaining our loan. Throughout the process, John was extremely knowledgeable and responsive, offering excellent insight and advice to help us navigate the mortgage process. His input was extremely valuable, and he made the whole process a lot easier by explaining expectations and timelines upfront. We also worked with Joseph Wilson who was equally helpful and responsive. I would highly recommend working with Guaranteed Rate, in particular John and...

Robert C. - Chicago, IL | Dec. 2015

John Moony and his team were tremendous to work with on my refinance. I had a ton of questions along the way and John was great about answering each of them as well as providing me with options to consider. He's clearly a knowledgeable, straightforward and honest guy. And big thanks to his team for helping me stay organized and on track all the way to the close.

Elizabeth K - Chicago, IL | Feb. 2016

John has been there for my family during the purchase of our first home as a married couple, a refinance as rates fell and the purchase of my parents' retirement home. Through it all he and his team have communicated exceptionally well (as a business owner obtaining a home loan is not as just sending in a W2) and put my wife and I at ease. I have recommended John to several friends and clients and will continue to do so without hesitation. Thank you for all your help!

Josh B - Chicago, IL | AUG 2016

About John

John has been with Guaranteed Rate since 2006. His exceptional team of mortgage professionals work to ensure that every client receives the quality, attention and expertise that his clients and referral sources have come to expect.

He has consistently delivered on pricing as well as accessibility to his customers, and is a member of Guaranteed Rateýs Presidentýs Club for Top Producers.

John prides himself in taking the appropriate steps to qualify his clients to ensure a smooth transaction. Prior to joining Guaranteed Rate, John worked as a pre-underwriter and mortgage brokerýs administrator. He is currently licensed in IL, WI, SC, and GA. John is a Chicago native and currently resides with his wife, Amelia, and son, Vincent, in Bucktown, on Chicagoýs Northside.

John interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
My first job was a processor and I moved into junior-underwriting quickly. This was in 2002 when the market was expanding and starting to get very competitive. Once I got proficient in loan guidelines, I decided to move into sales and joined Guaranteed Rate in 2006.
Who is your typical customer and what questions do they typically have?
Our industry has a term called move-up buyers. These are people who may own their current home, but want to purchase something bigger and better. The most common questions are based around their current property and what options they have with it. Does it have to be sold prior to closing on the new home? Can they rent it out? Every customer is different in this regard and my consulting always gives them advice that's customized specific to their situation.
What specific steps do you use to help your customers find the best home loan for them?
I always start with their vision and goals. I can map out the path for anyone and everyone. But I cannot tell them their ultimate goals; so the first thing I do is listen to what they want. Once I understand their criteria, I will provide options for what the market offers that meets their interests.
What advice would you give new or first time home buyers?
It's never too early to have a conversation. It's important to have an understanding of your credit score and what you need to save for down payment. Many first time buyers are often surprised with how much they can get approved for. So being comfortable with down payment, purchase price and monthly payment is crucial to sound planning.
What part of the home loan process do customers find most difficult and how do you help them through it?
The banks will scrutinize tax returns and bank statements to a high level. So we always start the loan process in such a way that will streamline the process as much as possible. Many of the headaches prior to closing can be avoided if they're addressed and understood the first week of the contract.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in Cary, Illinois and graduated Cary-Grove high school in 1996. From a very early age, I knew I wanted to live in Chicago. So I chose University of Illinois at Chicago for my bachelor's degree. I studied English Writing and Media Communications. I've lived in Chicago for nearly 20 years and serve on the Guaranteed Rate Foundation's voting board as well as lead a referral marketing group that meets in River North.
Tell us something that makes you unique or something wacky, yet interesting about you?
I played in indie rock bands and played shows and recorded in cities all over the country. I still write and play a couple shows yearly.

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