Jose Macias

VP of Mortgage Lending
600 22nd Street Ste 100, Oak Brook, IL 60523
Contact Jose
NMLS: 575514
Ready to start your Digital Mortgage?
Apply now

TestimonialsCustomer testimonials Read more

If every loan officer took their time explaining and guiding u thru ur loan process like Jose Macias did. Awesome job , dedicated

Erika O. - July | 2018

I just purchase a new home thanks to Guaranteed Rate. Finally my dream come true after many years, Now that I’m a new homeowner I’ll know where my money is going and it’s going to a good investment. I recommend you Guaranteed Rate to help you to get a loan and to find your dream home. I would like to thank Jose Macias who was my loan officer from Guaranteed Rate for been there step by step on the process of the loan and to help me find my home. Thank you so much you make my family so happy....

Saul M. - June | 2018

Jose the loan officer was very helpful and very professional at all times always giving me feedback on my loan.

Oscar G. | June 2018

I have never been more satisfied with a loan before. I absolutely will consider doing business with you again. Thank you very very much for all your help. You are the best that I have dealt with. Jose Macias and his crew are AWESOME!!!

Ventura A. | June 2018

Jose Macias is the guy to go to if you want to purchase a home. He was such a great help from start to finish.

Rodolfo M. | March 2018

Did a great job helping me get anything I needed for the pain and walking me through the whole process.

James K. | March 2018

Just want to thank Jose for his patience and dedication. I have used other people and companies for my mortgage needs in the past and Jose stands out like no other. Guaranteed Rates is lucky to have such a great resource at their disposal.

Juan B. | January 2018

Jose has done an exceptional job on my loan.

Vidyasagar R. | December 2017

Communicated and kept me well informed. Followed up and made sure everything was going as planned.

Marcos T. | November 2017

My loan officer did a great job. He made himself available after business hours and during the weekends since I was having crazy weeks at work. Excellent service.

Pablo B. | October 2017

Guaranteed Rate was attempt number 2 at obtaining a loan. Our previous loan officer was unreliable, unprofessional, and took far too long to get the loan process going. I was close to canceling the process completely, but once we got in contact with Jose and Guaranteed Rate it was smooth sailings. Everything about the Guaranteed Rate team was seamless; from the initial application to the approval of the loan. Additionally, as a first time home buyer Jose actually took the time to not only have...

Mayra G. | November 2017

At first I was overwhelmed during the whole process in getting my loan approved. Jose Macias was a God sent and made everything stress less. His whole team was helpful, professional, knowledgeable, and can be reached anytime of the day. I HIGHLY RECOMMEND Jose Macias and his team. Thank you for making my dream possible. Jose Macias is the go to guy for any loan!!!!!!!!!!!!!

Julieta Y. | October 2017

We just closed in our brand new home and we still do not believe how smooth the process went. It was simply fast and flawless. We want to thank Mr. Jose Macias and his team for making the impossible possible. When we thought that we would never own a house again Guaranteed Rate came thru for us. An awesome finance rate despite my not so good credit. We are forever grateful. Thanks Jose

Julia C. - October | 2017

Jose Macias, Is an excellent banker!

Primitivo S. - September | 2017

I worked with Jose Macias. He made the entire process painless and easy. I never felt uneasy about any of the steps and felt like family as he walked me through the process.

Mario C. | 08/25/2017

Our biggest thanks and appreciation to José Luis, who was always helpful and full of knowledge during the process of the loan. Without him we would have been lost and not able to fulfill our dreams!! Thanks!!

Cesar T. | August 2017

Jose Macias, is GREAT!! I felt that he was there every step of the way.

Ashley V.

José macias made it so easy for me to get the loan I needed for the house and explained everything I needed to know. Thank you José macias

Samuel A. 7/24/17

Jose Macias was always available to answer my phone calls and general questions, but even more impressive was his willingness to "go to bat" for me and take care of some of the information requested that had seemed redundant. Jose went the extra mile for me and I am very appreciative.

Jason D. - July | 2017

I worked with Jose Macias on my recent refinance. He was amazing! I was nervous going into the process, but Jose answered all my questions. I was able to contact him anytime of day, and he got back to me right away. Jose always made sure I was in the loop and understood what was going on during the process. He was great!

Cristina S. | June 2017

My loan officer exceeded my expectations. Being a first time home owner can be difficult but they made everything clear and easy to understand. I was able to close with under $500. I highly recommend going with Guaranteed Rate.

Carlos C. | 06/22/2017

My loan officer helped us a lot in achieving our dream of having a place we can call home. My family and I have been here in the US for just more than a year. Being new here, raises a lot of doubts and questions if this dream could ever be achieved in a short span of time. However, with the loan officer's help, he was able to figure out how to make things work. That says a lot about guaranteed rate's commitment towards its clients. I am grateful for these and I would strongly recommend the...

Jeld Y. | 06/22/2017

Jose made it easy throughout the entire process! Very impressed, class act!

Jacob D. | 05/22/2017

Jose was phenomenal during the time we worked on our loan. Give him a promotion!

Brandon J. | 04/04/2017

Jose Macias went above and beyond to get our mortgage situated. He was even answering the phone from the hospital after an emergency appendectomy. Jose is incredibly attentive and easy to work with and I would recommend him to anyone.

Siera L. - 4/4/2017

In spite of my irritation having got swamped with calls after going through lending tree, Jose Macias was very courteous when he called in spite of my being not very conducive to consider another quote. Jose was fantastic through out the process and will have no hesitation to recommend him to anyone looking for a loan or re-fi.

Heenaben P.

Jose Macias my loan officer help me from day one to the very end. He made himself available 24/7. He understood the importance of owner a home, the challenges of owning a home, as well as the process of owning a home. He continuously throughout the process ensure that everything was running smoothly and on time.

JaPatrick G. - 03/06/2017

I worked with Jose Macias and Ray Scott while purchasing a home on a very short time frame. They worked tirelessly--responding to our e-mails immediately, and on nights and weekends--to get us to closing just four weeks after we first toured the property. Throughout the whole process, Jose and his team were responsive, helpful, and genuinely invested in getting us a great home in record time. Without a doubt, I would recommend Jose and Guaranteed Rate to anyone purchasing a home, and will...

William K. - February | 2017

It was a great pleasure working with Jose Macias. He made easy and convenient to refinance my home!. I would definitely recommend Guaranteed Rate and Jose.

Enrique O. - 12/9/2016

Very happy with the service the mortgage specialist provided. He was very thorough, patient and knowledgeable!!

Hilda G. | 12/01/2016

I am really happy that the process was very smooth and did not have any issues dealing with all the people whom I worked with. I definitely will tell our families and friends about the service I received from Guaranteed Rate. Again, thanks for all your help.

Jameson M. | December 2016

I just wanted to write a brief note regarding my recent outstanding experience with my loan officer, Jose Macias. As a first time home buyer, Jose really put in a lot effort to keep me informed and motivated throughout the entire process. Jose was extremely helpful and my husband and I truly enjoyed working with him. Thank you Jose for being so dedicated and helpful.! My overall experience with Guaranteed Rate was great and the majority of that satisfaction comes from working with Jose and the...

Kimberly C. | October 2016

Very special thanks to Jose Macias he is absolutely the reason why my family now has my forever home thank you so much!

Carlos S. | 08/31/2016

Jose Macias was consistently in communication with us and available outside of regular business hours several times. We appreciate all he did for us and his sense of urgency to help us with the purchase of our home.

Crisanto C. 07/20/2016

I'm very satisfied on how Jose Macias handle my loan, he always gave me the right answers, and had no trouble communicating with him all the time.

Luis S. June, 2016

José was an absolute pleasure to work with! It was our first home purchase and we had lots of questions, he was always available and had prompt answers. We would highly recommend guaranteed rate and Jose to anyone looking for an easy and effective loan process.

Iliana M. - Funded 6/17/2016

From start to finish, Jose Macias, loan officer, displayed absolute dedication to our case. We are first time home buyers, so we had endless amounts of questions. He addressed all our questions in a timely and detailed manner all the time. He reassured us when we had doubts, and worked tirelessly to help us resolve several bumps in the road that we faced. He went out of his way to help us understand the process and make us feel comfortable with our decisions. When he was unsure of something, he...

Samantha H. - 6/20/2016

Mr. Jose Macias did a excellent job of explaining everything during the whole loan process I would surely recommend Jose to anyone that's looking to refinance.

Larry H. - 4/25/2016

Mr. Jose Macias was wonderful at explaining the process every step of the way. He was great at providing me with all the information necessary for me to understand the changes and paperwork required for my loan. He continuously tackled every obstacle we faced along the way and kept me positive about the outcome. My loan was extremely complicated due to personal circumstances, only his hard work and determination have made my dream of owning my own home possible.

Maria B. - 3/24/16

"I cannot say enough great things about Jose Macias and the service he provided to us. Jose always got back to us promptly and moved the process along very quickly. The closing went smoothly. Even our lawyer said he was impressed with Guaranteed Rate. This was my third time using Guarantee Rate and your service is the reason!

Andrew R.

Overall, the process was very enjoyable and I got to know the team pretty well. I was very satisfied with Jose and got to know him as if we were old friends for a while. If a problem came up, Jose would offer a solution for it. He was very well informed on all the current laws of refinancing and which program would be most helpful to the consumer. I would definitely use Jose and Guaranteed Rate again.

Santiago S.

Jose Macias is a warm, good hearted and honest person. He was also very knowledgeable and trust worthy during the loan process. The processors we worked with, Christen Caliendo and Kareline Lopez, were also very knowledgeable and caring. I thank you, Jose, all for your kindness and trust and I wish you a happy and prosperous new year.

Manuel M. – January, 2014

“After several tedious and evasive ordeals with other loan companies, Jose was a breath of informed and fresh air. At first I was overwhelmed but he guided me to a positive end. He was always available to explain things to me and I definitely needed that! Good luck, Jose.”

Madeline M. – Oakland, IL – 8/2013

Hey, check out this amazing review from Kadi about Jose! “Jose Macias and his associates at Guaranteed Rate did a great job of facilitating my condo purchase. I'm really glad I chose this local company with an agent who was very reachable by phone or email whenever I had a question, rather than a big bank like the last time I bought a property. I had a great experience with Guaranteed Rate. Thank you!”

Kadi W. -- Chicago, IL – 6/2013

Hey, check out this amazing review from Alissa about Jose! “I recently refinanced a jumbo mortgage through Jose Macias at Guaranteed Rate. He and his team were very organized and the closing went smoothly as well as on time! I would recommend Jose and Guaranteed Rate based on their customer service and rates alone.”

Alissa A. – Lake Zurich, IL – 5/2013

Hey, check out this amazing review from Chris about Jose! “I worked with Guaranteed Rate on a refinance and found the process extremely easy (considering how complicated the process is) and received a fantastic rate. Jose Macias was extremely prompt and responsive, always making sure that I got an answer to my questions within a day or so. Thank you, Jose!”

Chris H. – Chicago, IL – 6/2013

Jose was almost always immediate in getting back to me when I called. Usually he answered the phone on the first try, erasing the need for a call back! He was always most pleasant and able to provide the correct answer to any question I had. Our daughter will be looking for a refinancing later this year and I will absolutely shout your praise when she is ready to begin. And for any other relative or friend who is ready to reduce their mortgage rate we will definitely recommend YOU and...

Jim and Noreen P. - June, 2013

Hey check out the glowing review from Lisa about Jose! “Your professionalism and kindness are outstanding! Given my previous experience with the initial financing of my house, I was expecting the worst. Jose and his entire team from beginning to end, were available, communicated clearly, and completed my loan process timely. Even up to the title process, was flawless. As a teacher I am grading you with an A+ for service and gratitude!”

Lisa M. -- ElCerrito, CA -- 02/2013

Hey check out the amazing review from Ronald about Jose! “I will be recommending guaranteed rate to anyone in need of a refinance or home purchase loan. Specifically I will tell them to ask for Jose Macias! Fantastic, the smoothest refinance process I have ever encountered. Jose was simply great!”

Ronald B. -- Chicago, IL -- 01/2013

About Jose

When I was in high school I made a priority to give back to my parents. I wanted to buy them a home as a thank you for their unconditional support. I thought that being in the Real Estate/Mortgage Industry would help me do that, by educating myself on every aspect. 4 years after entering the Mortgage Industry I bought my parents their first home. I attended Harper College and graduated with an Associate's Degree. The relationships I made at Harper College were very successful ones as I am able to help some of the past students lower their mortgage payments by refinancing or I have also helped them with their first home purchase. My family is everything to me. I am happily married and have two kids that I adore. My two boys and my wife keep me busy and always on my toes, every day is a blessing. I cherish every moment and can't wait to see them grow.

Jose interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
Got into the business in 2004 and what inspired me to get into the business was that I wanted to buy my parents a house
Who is your typical customer and what questions do they typically have?
My typical customer is someone who wants to maximize their mortgage experience they might not know it at first but with me I squeeze everything available under my power to go above and beyond their expectations
What specific steps do you use to help your customers find the best home loan for them?
I like to find out about their goals so that I can put them in a situation that they will benefit from long term.
How long have you been in the mortgage business? What awards have you won?
I have been in the business since 2004 when I started working at Guaranteed Rate I was Awarded the Rising Star Award. I have also been blessed to provide a great experience to every client I have done business with. My ratings are always 5 stars.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
FHA used to be very strict about the condition of homes. In this case I had an elderly borrower who was buying a home for her and her grandchildren to live in. After the appraisal got done the appraiser called for the chipping paint on the outside of the home to be scrubbed off and repainted. My borrower could not afford any other costs, and she also needed to move out of her apartment. So I took the time to go to the home she was buying and did the scrubbing and repainting myself. We were able to close the following day and her and her grandchildren were extremely happy.
What advice would you give new or first time home buyers?
My advice to first time homebuyers is to make sure you set up a budget for where you wish your mortgage payment should be. That way you make sure your mortgage is manageable and you can have additional reserves every month to enjoy life or make other investments
Tell us about a mortgage product that consumers may not be aware of?
Our 203K Rehab or Construction loans are second to none. They can help someone buy a property that needs a lot of work and repairs and turn it into a dream home.
What 2 or 3 mobile apps would you recommend for home buyers or house hunters, and why? What Smart Apps do you recommend your customers use for the house hunting process?
What Smart Apps do you recommend your customers use for the house hunting process? I really like REDFIN which is an app that provides you with current market listings which is great for homebuyers. I like Zillow payment calculator and Zillow apps both great to use for purchase needs.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
I love helping every step of the way. There are a lot of moving parts in the mortgage process but a knowledgeable loan officer is the best resource and my advice is to use them (me) to pick their brain in every aspect of the process.
Are you active in any local associations or community groups, and at what level? What goals and/or success have you helped these groups achieve?
I am a member of NAHREP & LUSO and have dedicated some of my free time to help with various educational Homebuyer Seminars and love to motivate and guide teens who don't have the resources or guidance to take that next step in believing in themselves. Anything is possible!
Summary of where you grew up: family, affiliations, college, high school, etc.
MAINE WEST H. S., Harper College, Barceloan Soccer Club, My local Church, Facebook
What provides you with the most satisfaction in your job as a Loan Officer?
The ability to help people save money, increasing cash flow and also in helping people obtain a mortgage.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
When I am not helping people, I am at home with my fiancé and baby boy sharing quality time. We like to be active and we do things like mini golf, bike riding, and going to the movies.
Tell us something that makes you unique or something wacky, yet interesting about you?
I love sports that is the way I get to relax after a long day. Watching and practicing any sport is great for the body mind and soul :)

See how easy the Digital Mortgage works

Today’s rates

Loan Type Rate APR

*Rates may vary by state.

Check rates and get approved online right now in just minutes! Or give me a call and I’ll answer your questions and guide you through the process!

Intuitive Loan Finder

Our Intuitive Loan Finder lets you sort by lowest monthly payment, lowest interest rate or the right loan term.