GuaranteedRate - Mortgage Company

John Shaw

VP of Mortgage Lending
81 Keith Street, St. Augustine, FL 32084
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NMLS: 72524
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Been working with John Shaw for years and he is fantastic to work with and very responsive. Kudos to the entire team.

Jerry L.- Weston, FL | MAY 2016

John Shaw is the best!

Jess J. – New Lenox, IL | Apr. 2015

John Shaw is awesome! I trust him to look out for my best interest. I will refer as many people as I can to him.

Joseph C. – Antioch, IL | Feb. 2015

John Shaw was fantastic! He has such great customer service style and responsiveness!

Andrew K. -- Evanston, IL 6/13/2014

“We've worked with John Shaw and his team at Guaranteed Rate several times because they have had some of the best rates. The fact that they made the process smooth and made the closings convenient for us are major perks as well. We will continue to use Guaranteed Rate for purchases and refinances!”

Ryan D. – Downers Grove, IL – 4/2014

Hey check out the amazing review from Bonnie about John! “The step by step instructions made it very clear as to what was needed on my part. John interviewed me via phone and this was a huge help as I was so busy with work on my way to an important client meeting! He gave me expert advice to make sure my loan went through smoothly. John Shaw is very professional and follows up quickly, which is why I have already referred him to friends!”

Bonnie. S -- Chicago. IL -- 02/2013

Everything went well, just as expected. Procedures and expectations were clear, up front, and the entire process went forward at a very expeditious rate. This is our second time using Guaranteed Rate, and we would use them again in the future. John Shaw is a top shelf professional to work with. I've recommended Guaranteed Rate to others in the past (one of which refinance through you), and will continue to do so.

Martin B. Yorkville, IL 2/2012

About John

I am one of the original co-founders of Guaranteed Rate, Inc. and have been providing custom tailored home financing solutions to my clients since 1990.

John interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
I analyze each customer's immediate needs as well as their short and long term goals and design mortgage options that will best meet those requirements.
How long have you been in the mortgage business? What awards have you won?
I have been in the mortgage business for 22 years and am one of the six original co-founders of Guaranteed Rate, Inc.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
There are pros and cons with a fixed rate mortgage versus an adjustable rate mortgage (ARM), especially for first time homebuyers. The low initial cost of adjustable-rate mortgages, or ARMs, can be very tempting to home buyers, yet they carry a degree of uncertainty. Fixed-rate mortgages offer rate and payment security, but they can be more expensive. With the right information, whether it is a refinance or a new home purchase, I can help my customers pick the best mortgage that meets their financial goals.
What part of the home loan process do customers find most difficult and how do you help them through it?
The most common issue during the home loan process is usually before closing when the title company prepares the HUD. Understanding escrows for taxes and credits from the sellers can be confusing for anyone from first time buyers to experienced home owners that are refinancing for the third time. I go over the HUD with the clients on purchases and refinances item by item before closing. I patiently answer any questions they might have until they fully understand.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in Quincy, IL, graduated from Illinois State Univeristy and then began my career in Chicago. Following a successful tenure with a national bank, I co-founded Guaranteed Rate, Inc. In addition to Illinois, I have lived in North Carolina, Colorado and California and have wokred with clients in most every state throughout the country in my 22 year career in mortgage banking.
Tell us something that makes you unique or something wacky, yet interesting about you?
I had my first novel, "The RX Factor," published in May 2012. My novel has received exceptional reviews from critics across the country and my writing style has been favorably compared to both John Grisham and James Patterson. "The RX Factor" is currently being considered for a major motion picture.

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